IFBOA Workers Compensation Program Exclusively for IFBOA Members

IFBOA Workers Compensation Program's Good Experience Return averages over 22% since its inception.

Protection for Employees. Profit for You.

The Independent Fixed Base Operators Association (IFBOA), in concert with QBE Aviation, is proud to introduce a member benefit that lets your Workers Comp program work harder. The IFBOA Workers Compensation Safety Group Program makes it possible to:

How it works

As a participant in this program, you and other participating IFBOA members each pay an affordable annual premium for your Workers Comp coverage. At the end of the year, after the insurance company has paid their overhead and any claims, all of the remaining money is paid back to the group -- including you.

Though payments cannot be guaranteed, we're confident you'll like the odds of adding these funds to your operating profit each year. And even if the group experiences unusually adverse losses, you'll never pay more than your policy premium.

While the program is available in most states, it cannot be written in the Workers Compensation monopolistic states of North Dakota, Ohio, Washington, and Wyoming. Participation in the program is also subject to underwriting acceptability.

Backed by the best -- QBE

To maximize the stability and profitability of this program, IFBOA contracted with member insurance companies of global insurer QBE Aviation. In addition to having the financial strength to insure any size exposure, their staff has the aviation expertise and experience to employ consistently sound underwriting practices. This ensures an exceptional insurance value you can count on.

To your success

A key tenent of IFBOA's mission is to increase the profitability of independent FBOs like yours by offering the resources and buying power to operate more effectively. And we believe the IFBOA Workers Compensation Safety Group Program is a perfect extension of that philosophy.

Put IFBOA Workers Comp Program to work for you

Find out whether you're eligible to participate by giving your broker a call today. Or, for more information, contact IFBOA at 202-774-1509 or QBE Aviation at 770-794-6423.

Frequently Asked Questions

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What is the IFBOA Workers Compensation Safety Group Program?

Current IFBOA members are eligible to participate in a group Workers compensation program underwritten by QBE. The Workers compensation losses are pooled as a group and give insureds potential to earn a Good Experience Return. IFBOA developed this program as a member benefit which provides comprehensive coverage and competitive pricing.

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What is a Good Experience Return (GER)?

Workers compensation premiums and losses are pooled as a group for all IFBOA members insured in the program. All remaining premiums not used for payment of the group's claims and insurer overhead costs are returned to IFBOA members participating as insureds in the program. The potential profit from the program is called a Good Experience Return.

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If losses are high will a business owe money to the WC Program?

No, Workers compensation insurance policies in this program are rated on a guaranteed-cost basis. If losses are high for the pool during a current policy year, then there is a possibility that there will be no Good Experience Return earned or payable to the insureds for that year. The insured will not owe more than their annual Workers compensation premium with the exception of annual policy audits based on remuneration.

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What amount can insureds expect to receive in the form of a GER?

A GER cannot be guaranteed; however IFBOA members participating in the program are gaining the ability to earn a return on their Workers compensation insurance that otherwise would not exist.

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My business is not a FBO, why would we want to be an IFBOA member?

IFBOA is an association which represents all aviation businesses. Membership in IFBOA affords many benefits related to safety resources and training materials including discounted online safety training. QBE can underwrite a variety of aviation businesses into their program and provide standard rates based on an insured's experience modification. The plan is not available for businesses in the following monopolistic states: North Dakota, Ohio, Washington and Wyoming.

If you would like additional information on receiving a quote for Workers comp insurance, please contact your broker or call QBE Aviation at 770-794-6423.


The Independent Fixed Base Operators Association is dedicated to the long term vitality and success of its members
through collaborative endeavors, knowledge sharing, and best practices standardization on a global scale.

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