1. Status & Affiliation
Justin K. Dorman is the National Workers' Compensation Product Manager at Burns & Wilcox, a member of the H.W. Kaufman Group of Companies. All wholesale brokerage, consultation, quoting, binding, underwriting, and policy issuance services described or referenced on this website are executed exclusively through Burns & Wilcox and its appropriately licensed corporate entities. This website is a personal professional presence — it is not a separate brokerage, insurance producer, or licensed entity, and it does not transact insurance independent of Burns & Wilcox.
Personal-views disclaimer. Editorial content on this website — including blog posts, FAQ answers, videos, and any commentary — represents Justin K. Dorman's personal professional opinions and not the official positions, statements, or policies of Burns & Wilcox, the H.W. Kaufman Group of Companies, or any of their affiliates. Burns & Wilcox does not review, approve, or endorse the editorial content of this personal website. Only the wholesale brokerage workflow itself (submissions, quoting, binding, policy issuance) flows through Burns & Wilcox corporate channels.
References to "I," "me," or "Justin" throughout this site refer to Justin K. Dorman acting in his capacity as an officer/employee of Burns & Wilcox.
2. Not an Offer or Solicitation of Insurance
Nothing on this website constitutes an offer to sell, a solicitation to purchase, a quote, a binder, or any commitment to provide insurance coverage. All content is provided for informational and educational purposes only.
Insurance coverage cannot be bound, modified, renewed, cancelled, or otherwise placed in force through this website or through any communication with Justin K. Dorman until and unless coverage is confirmed in writing by an authorized representative of an admitted or eligible non-admitted carrier through Burns & Wilcox's official corporate channels.
Information provided through the contact form on this website is treated as a preliminary inquiry only. Receipt of an inquiry does not create any contract, fiduciary relationship, or coverage obligation.
3. Licensing
Workers' compensation insurance brokerage is regulated at the state level. Burns & Wilcox holds the producer and surplus-lines broker licenses required to transact business in the states it serves. Individual licensing of producers, including Justin K. Dorman, is held under Burns & Wilcox in compliance with each state's licensing laws.
Specific producer license numbers, NPN (National Producer Number), and state-by-state licensing details are available on request. Verify licensing of any insurance producer at the National Insurance Producer Registry (nipr.com) or through your state Department of Insurance.
4. Wholesale-Only Distribution Channel
The wholesale brokerage services referenced on this site are provided to licensed retail insurance agents and brokers, not directly to insurance buyers (employers, individuals). If you are an employer seeking workers' compensation coverage, please contact your retail insurance agent, who can in turn engage Burns & Wilcox on your behalf.
Communication initiated directly by a non-licensed party will be redirected to the appropriate retail channel and will not be treated as a binding inquiry.
5. Workers' Compensation Specifics
Workers' compensation insurance is unique among commercial coverages: it is statutorily mandated in 49 of 50 states (Texas being the limited exception for non-subscribing employers), and four states — North Dakota, Ohio, Washington, and Wyoming — operate monopolistic state funds where private-market workers' compensation insurance is not permitted. Coverage availability, rate filings, class codes, experience modification factors, and policy forms vary substantially by state.
Information presented on this site (including the State Bureau Map and Reference Table) is for general informational purposes. Bureau identities, rate filings, class codes, and regulatory contacts are subject to change. Verify with the authoritative source (the state's rating bureau or workers' compensation department) before relying on any data for binding, quoting, or compliance decisions.
6. No Insurance, Tax, Legal, or Financial Advice
Content on this site, in blog posts, in the contact form responses, or in any other communication with Justin K. Dorman does not constitute legal advice, tax advice, accounting advice, actuarial advice, or financial planning advice. Coverage decisions, claim handling, premium audit disputes, experience modification adjustments, and similar matters involve facts and circumstances unique to each employer; consult your attorney, CPA, or licensed advisor for guidance specific to your situation.
7. Quotes, Rates, and Pricing
Any premium indications, loss cost references, experience modification illustrations, or pricing examples shared during preliminary discussions are indicative only and subject to:
- Carrier underwriting review and acceptance;
- Receipt of complete and accurate submission materials (ACORD 130, 3–5 years valued loss runs, current experience modification worksheet, supplemental questionnaires);
- Applicable state rate filings and loss cost multipliers in effect on the effective date;
- Any policy-level credits, debits, schedule rating, or premium audit adjustments determined by the carrier.
Final premium is determined by the carrier following underwriting and is reflected on the bound policy declarations page.
8. Anti-Rebating and Anti-Inducement
Burns & Wilcox and Justin K. Dorman do not offer, provide, or promise rebates, refunds of commissions, gifts, prizes, or other inducements as consideration for the purchase of insurance, except as expressly permitted by applicable state law. Producer compensation is disclosed on request and in accordance with each state's compensation disclosure requirements.
9. Fair Dealing & Non-Discrimination
Burns & Wilcox commits to fair underwriting consideration of every risk submitted, without regard to race, color, religion, national origin, sex, age, disability, marital status, sexual orientation, gender identity, or any other characteristic protected under federal or state law. Risk selection is based on insurable characteristics: industry classification, loss experience, exposure, safety controls, financial condition, and similar legitimate underwriting factors.
10. Anti-Money Laundering & Sanctions
Burns & Wilcox maintains an anti-money laundering (AML) compliance program and screens transactions against U.S. Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons lists, as well as other applicable sanctions and politically-exposed-persons screens. Coverage cannot be placed for any sanctioned party or jurisdiction.
11. Privacy of Submitted Information
Information you submit through the contact form on this website is handled in accordance with our Privacy Policy. Personally identifiable information is not sold, shared with third-party marketers, or used for any purpose other than responding to your inquiry and, if appropriate, advancing the inquiry through Burns & Wilcox's wholesale workflow.
Do not submit workers' compensation claim details, claimant medical information, or any HIPAA-protected health information through the contact form on this website. Claim-related information must be sent through secure carrier or Burns & Wilcox claim portals and not through a general-purpose website inquiry form.
12. Filing a Complaint
If you have a concern about the conduct of any insurance producer, including Justin K. Dorman, or about coverage placed through Burns & Wilcox:
- First, contact Burns & Wilcox compliance directly through your retail agent or through the corporate contact at burnsandwilcox.com.
- You may also file a complaint with your state Department of Insurance. A directory of state insurance regulators is maintained by the National Association of Insurance Commissioners (NAIC).
13. Changes to This Notice
This compliance notice may be updated to reflect changes in law, regulation, business practices, or Burns & Wilcox corporate policy. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be communicated through this page; continued use of the website following an update constitutes acceptance of the revised notice.
14. Contact
For questions about these disclosures, the licensing or compliance status of Justin K. Dorman, or any matter related to the operation of this website, use the contact form on the home page.