First Cardinal is the leading third-party administrator of workers’ compensation self-insurance groups. First Cardinal enables businesses to pool their funds to self-insure each other against workers’ compensation liability claims. On behalf of the groups, First Cardinal performs all of the administrative functions of a traditional insurance company, including claims, underwriting, risk management and customer service. The company also offers a fully insured workers’ compensation policy through an A-rated carrier as a managing general agent. By joining a First Cardinal self-insurance group, customers typically reduce their workers’ compensation expense by up to 20 percent while increasing employer and employee satisfaction.