What we do
This is your Mutual

Signal is dedicated to the service and support of its employer Members, who own the Mutual and hold the right to vote on changes to the Association’s Bye-Laws. We are a Bermuda domiciled, non-profit mutual organization, authorized by the Department of Labor as a Group Self-Insurer.

Why Signal?

The advantages of Membership in Signal Mutual are what set us apart from other providers, reflected in our continual high Member retention rates and our ability attract new Members each year. Learn more about these benefits below.

Interested in joining us? View our application process here or send us an email.

Member Driven Rates

Our objective is to deliver coverage at cost to our Members, which we achieve by balancing their experience records over a five year period in line with the acceptable loss ratio. Signal does not mandate rates – Members set their own rates based on their experience record.

Cost Effectiveness

Operating as a non profit, Signal does not have an obligation to deliver profit to shareholders. This competitive advantage is showcased by the fact that over our history, 93% of every dollar of premium paid by Members goes to paying out claims.

Breadth of Coverage

Signal provides unlimited coverage for benefits under the Longshore Act and its extensions. Additionally, and at no extra cost, we provide contingent Maritime Employers’ Liability Coverage up to $10 million

Management Experience

Leveraging the breadth of experience of Charles Taylor Mutual Management Services to manage the day to day affairs of the Mutual has allowed for the Signal Management team to focus on providing best in class service to our Members. Our management team possess years of expertise in all aspects of Longshore coverage and are supported by teams of experienced industry professionals, all working to achieve the best results for our Members

Claims Management Expertise

Our claims management team, based in Connecticut and California, have an average of twenty five years experience managing Longshore Claims. Collaborating with our adjusting firm, Sage Adjusting, they are able to provide optimal resolution to claims for our Members. Our claims managers are also able to provide key reports to our Members, leveraging our proprietary eManager claims software tool.

Safety Services

We have always believed that safety is the keystone to the success of Signal and its Members. Our Safety Team works tirelessly with our Members to imbed a culture of workplace safety, which has proven to help reduce accidents and improve worker safety. The team also offers numerous seminars and educational session for our Members to provide continuous learning and improvement on workplace safety.

Member Meetings

The strength of the Mutual has always resided in our relationships. To foster an environment of collaboration and camaraderie, Signal hosts two Annual Member Meetings for our full Membership, as well as our Broker partners. These gatherings are an excellent way to build and solidify relationships, while providing an update on the Association to the Membership. We also host an annual Maritime Claims Conference, focused on providing educational sessions and updates on legislation across the industry.