Frequently asked questions

EPLI (Employer Practice Liability Insurance) provides coverage for an insured company for claims brought by an employee alleging Wrongful Termination, Discrimination, or Harassment.

The self-service Marsh Web Portal is available 24/7 to obtain your certificate of insurance as an ADP client. Ask the person requesting the COI what the minimums and limits of coverage should be. Please note that it is important to request your COI ahead of time before you plan to start working with the vendor, contractor, or customer.

Dec pages are a summary of the entire Workers’ Comp or EPLI policy.  Dec pages are a good resource for the “basics” of the policy itself and can be printed for reference.

The self-service Marsh Web Portal lets you create certificates when you need them without waiting.  You’ll download your COI so you can email it to the Certificate Holder. You can also print certificates from the Web Portal.

If your PDF doesn’t open, you may have a pop-up blocker turned on. You’ll need to disable this pop-up blocker to open and download your PDF. If you’re still having difficulties, please contact Customer Service.

Tip: Chrome is the best browser for accessing your Customer Portal. Safari is not a preferred browser.

If you happen to encounter issues accessing our portal, do not panic! It is best in this scenario to reach out to Customer Service.

We will be able to both assist you in diagnosing and reporting your issues when needed and process any document requests that you may have in the meantime.

A Waiver of Subrogation is a provision in an insurance policy that prevents the insurer from pursuing a third party to recover the amount of a claim paid to the insured. This means that if an insured party suffers a loss and their insurance company pays for that loss, the insurer cannot seek reimbursement from the party responsible for the loss.  

For example, imagine a construction company, ABC Construction, is hired to build a new office building. As part of the contract, the client (the property owner) requires ABC Construction to include a Waiver of Subrogation in their general liability insurance policy. During construction, a worker accidentally damages a neighboring property while operating heavy machinery. The neighboring property owner files a claim against ABC Construction for the damages.

Insurance Claim: ABC Construction's insurance company pays the claim to the neighboring property owner for the damages caused by the worker. However, because of the Waiver of Subrogation clause in ABC Construction's policy, the insurance company cannot pursue the neighboring property owner for reimbursement of the claim amount.

How do I add this?
In applicable states, waivers of subrogation can easily be included with your COI.

In the Marsh portal, select yes to the question “Are you required to provide a waiver of subrogation?"

Carriers will assign you a minimum premium policy if your payroll is small enough that your calculated premium is less than the minimum premium amount for your type of business. Minimum premiums are the lowest premium a carrier can charge you for their workers’ compensation insurance and cover the cost to manage your policy.

A Notice of Cancellation modifies an insurance policy to provide notice of cancellation beyond that stipulated in the policy. To request an NOC endorsement, select yes to the question "Do you require special endorsements or contractual language", and select yes to the question "Does the certificate holder require a notice of cancellation?"

You will need to provide the # of days' advanced notice of cancellation required. NOCs are typically written for 30 days. Please note that NOCs do NOT apply in the following states: AZ, FL, NJ, NC, ND, OH, VT, WA, WI, and WY.

You can’t add an additional insured to a workers’ compensation policy. Your policy only covers your direct employees. “Additional insured” status is a term used often for general liability insurance. It denotes that you’re offering your general liability insurance policy benefits to another party you’re engaging in business with, and is commonly used (and in some cases, contractually required) by businesses.

The Alternate Employer endorsement extends workers compensation coverage to other companies with whom the primary insured may do business with.

We can add an alternate employer endorsement to your policy. Please contact Customer Service to have this added. To request this, we will need the following information to be included in your request:

• Alternate employer name to appear on the certificate?
• What type of relationship does your company have to the certificate holder? 
• Project location? 
• Expected length of project? 
• Type of work being performed? 
• Number of employees working on the project? 
• What are the states of payroll for those employees? 
• Are subcontractors being used?

We may be able to add the additional states to your policy. AIG has two policy forms—not all states can be included on the same form. Please contact Customer Service to assist you with this request.

We are able to obtain these for you from ADP. Please contact Customer Service and one of our representatives will refer your request to ADP on your behalf.

Classification codes, or ‘class codes’ are the alphanumeric codes associated with the exposures which are a part of the business you conduct. You may request a redacted copy of your classification codes from the Service Center.

As you are under a PEO agreement with ADP, you are not privy to the information used for calculating premiums as you do not pay a direct premium. Your worker’s compensation coverage is included as a part of your PEO relationship with ADP.

If you have additional questions, you should contact your Human Resources Business Partner (HRBP) or your Risk Management team at ADP.

An experience modifier rating, also known as an experience modification factor or EMR, is a key component of the workers' compensation insurance premium calculation. It is a numerical representation of a company's past workers' compensation claims experience compared to other companies in the same industry.

Please reach out to Customer Service to request a copy of your experience modifier rating letter.

Policy dec pages (declaration pages) provide a high-level summary of coverages for both Worker’s Compensation and EPLI policies.

Both Worker’s Compensation and EPLI Dec pages can be generated on the Portal.  Simply click Request a Document, then select Policy and Declaration page in the drop-down menu.

If a full policy is required, please contact your assigned ADP TotalSource HRBP

The 2025 review period is from 3/1 to 3/21.

This critical review period is essential to verify the accuracy of your certificates and remove unnecessary documents from your account before they are automatically renewed. You will be able to preview your current certificates and/or make updates to those certificate(s) including certificate information and project details.

Request those changes through the “Request a Document” process in the web portal.

Renewal documents will be made available to download from the web portal in PDF format on 5/1.

• Download PDF from portal
• Emailed
• Physically mailed

The review allows you to see the certificate you will receive for the renewal term so if you need to make changes you can do so ahead of time. This way you have what you need while avoiding inaccurate certificates.

Reasons you may not be able to see a certificate could be a result of inactive or expired cert information. For example, an inactive/expired policy, certificate holder, location, etc.

Your list of certificates is up to date as of the prior day.

Renewal certificates that were not selected or available through the review process can be requested through the “Request a Document” process in the web portal.

Removing certificates from the portal is available each year during the review period. If you missed the opportunity, you will be able to remove certificates from the portal during the next review period for the next policy period renewal.

Certificates will be uploaded when the process is initiated by your third party vendor.

Please note: If Marsh is not identified as the broker on the current project, please contact your 3rd party vendor for instructions on this process. When updating the broker information, providing them the Marsh email address (ADPTotalSource@marsh.com) will initiate the upload process.

There are a few different reasons there could be a delay, we have outlined them below. 

• Requests for a minimum premium policy: If you select that you need ADP to not be listed on your certificate, this will route to our service center for review, approval and issuance of a Minimum Premium Policy
• Requests to add a new registered DBA (doing business as): These requests will be routed to our service center to work directly with ADP for approval
• Requests for description of operations language (special language requests) that include General Liability insurance descriptions for the Workers' Compensation policy: This includes phrases like “additional insured” and “primary and non-contributory” as these do not apply to workers compensation
• Requests for special endorsement that require approval through the carrier or ADP. i.e. USL&H, defense based acts, Jones Act, Continental shelf, foreign travel, notice of cancellation endorsement
• Bulk requests without file attachments or in the incorrect format: The template for these requests can be accessed through the portal

The system defaults to renew your certificate unless you specified not to renew. Please allow 3-4 business days for your renewal certificate to be available through the portal.  If you need your renewal certificate prior to this time, please go to Request a Document to generate the certificate for your next policy period. 

If your new business name and/or address are not reflected through the portal, you can requests those updates via your ADP HR Business Partner. 

• You may download an individual document or multiple documents at a time from the portal
• You may request to email your documents from the Document History option on the portal
• You may request to have your documents physically mailed from the Document History option on the portal

You can utilize the bulk download feature. Watch our portal walk-through video to learn more. 

This verbiage is included in the waiver documentation as part of the standard form provided by the carrier of the coverage and approved by the state. This does not apply to you as you participate in the ADP PEO program and are not assessed premium for your ADP workers compensation coverage.

Yes, they will be renewed, you will just have to request those through the standard request process as the review period will be closed.

No. True MPP requests need to be vetted and approved by both ADP and AIG. If approved, ADP will report these to Marsh.

An alternative approach to an MPP is to request a “Standalone” certificate, which does not include ADP in the insured section. The standard Worker’s Comp Policy # applies to the Standalone COI.

DBA is an acronym for “Doing Business As”  - often a local business name under a larger organization.  Not to be confused with Defense Base Act  

The Defense Base Act provides workers' compensation protection to civilian employees working outside the United States on U.S. military bases or under a contract with the U.S. government for public works or for national defense.

Federal law that gives seamen who were injured in the course of their employment the right to sue their employer for personal injury damages.

Modifies an insurance policy to provide notice of cancellation beyond that stipulated in the policy.

Extends the benefits of the Longshore and Harbor Workers' Compensation Act (LHWCA) to workers injured or killed upon fixed structures (e.g., oil well platforms) that are permanently attached to the outer continental shelf for the purpose of natural resource exploration or development.

USL&H (United States Longshore and Harbor) is a federal coverage that applies to maritime employees who work on or over navigable waters in or adjacent to the United States.