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Workers' Compensation

What is an ERM-14 and When is it Required?

The National Council on Compensation Insurance (aka NCCI) created the ERM-14. A client is required to fully complete this form when they have made changes in their business such as name or legal status, ownership, mergers, consolidations, or a combinability of
separate entities. 

Detailed accuracy is crucial when completing this form and information should be verified with the client before submitting the form to Bloss & Dillard Inc. as we must submit it to the NCCI for their review and acceptance. 

It is always a good practice when working with a client to ask if they own or are part owners of additional businesses and if a part owner what percentage of ownership they have. It doesn’t matter if the businesses are Sole Proprietorships, Corporations or LLCs. Knowing if there is common ownership is important and may even save the client money if the businesses are combinable. 

The next time you are working with a client whose Workers Compensation Coverage is currently written through Bloss & Dillard Inc., and they advise you they have made changes to their business as listed above, please reach out to one of our Workers Compensation Team Members and we will provide you with a copy of the form’s instructions for completion and a blank copy of the form. 

As always, we appreciate your business and look forward to working with you!

Linda Wolfe


Linda Wolfe

A veteran in the insurance world, Linda loves to travel and also find the best policies for our workers' comp customers!