UNDERSTANDING THE DIVIDEND PROGRAM
A direct financial return to LWCC policyholders.
A “dividend” is a direct cash return to policyholders, with no strings attached–real funds they can reinvest in their businesses and employees. While dividends are not guaranteed, LWCC’s mutual structure means policyholders share in the rewards when the company performs well.
Immediate dividend eligibility for all policyholders
Every policyholder is eligible to receive dividends from the start of their first year with LWCC, with full vesting after five years. A policyholder’s eligibility is not impacted by claims history, ensuring that all businesses insured by LWCC benefit from the company’s shared success.
While not guaranteed, our dividends are consistent
Dividends are never guaranteed, but LWCC has issued a policyholder dividend every year since 2003, one of the most consistent in the industry. This financial benefit sets us apart, rewarding businesses that choose to partner with a mutual insurance carrier.
A strategic approach that maximizes returns
LWCC’s commitment to financial strength ensures that we can continue offering dividends even in fluctuating economic conditions. Our disciplined approach to investment and risk management means policyholders can count on LWCC as a financially sound partner for the long haul.
The power of mutual company membership
From day one, LWCC has been a private mutual insurance carrier. That means our policyholders are members–so when you buy a policy, you become our priority. This shared interest in your business’ success keeps us focused on benefits that make your workplace safer, help you operate smarter, and grow stronger through controlled costs and dividend returns.
More than a return–a boost for business
LWCC dividends are an opportunity for policyholders to reinvest in their business, employees, and community. With no restrictions on use, policyholders decide how best to put their dividend to work, reinvesting in what matters most.
