Unlike conventional insurance companies with ambitious profit goals, KESA is a not-for-profit fund. If we collect more premiums than needed for administrative and claims costs, we return the unused premiums to our members by lowering premiums, increasing members' equity, or paying dividends. 

Some companies have shied away from workers' comp funds because of a fund's right to assess additional premiums. KESA works diligently every day to negate any possibility of an assessment.  First and foremost, KESA reserves properly for all claims activity, meaning we set aside an appropriate amount of funds to cover claims to their ultimate cost.  Also, KESA properly evaluates and prices each account and we educate each member company in safety and loss prevention. KESA also uses a portion of members' premiums to purchase excess insurance - insurance provided by another carrier that assumes a part of the financial liability of catastrophic claims and KESA strategically invests members' premium dollars, which generates investment income that is used to offset expenses.