Founded in 1912 and headquartered in Lansing, Mich., Accident Fund Insurance Company of America has always been the No. 1 provider of workers compensation insurance in Michigan. Since they began their national expansion in 2000, they have become a formidable competitor on the national level. They are licensed to provide workers compensation coverage in 48 states and the District of Columbia. As they approach their second century in business, they continue to partner with independent insurance agents to offer policyholders unrivaled loss-control services and medical-cost management savings — because they’re in business to help customers keep their workers safe and their costs down. Accident Fund is rated “A-” (Excellent) by A.M. Best.