Overview

Guaranteed cost, retrospectively rated, dividend and small and large deductible plans, geared toward Workers' Compensation buyers interested in more risk transfer than risk assumption.

Customer profile:

• Most classes of business considered
• Multiple employer associations and groups
• Local claim services

Benefits:

• Broad market for accounts with premium from $5,000 to $10,000,000
• Flexible product and pricing approach
• Local expertise with offices in over 20 cities
• A financial strength and backing
• Flexible premium payment programs
  

Features may include:

• Competitive pricing
• Superior claim services
• Various safety programs
• Guaranteed cost policies
• Deviated rates
• Retrospective rating plans
• Retention plans
• Schedule rating
• Large deductible
• Dividend plans
• Managed care programs/Credits available in several states
• 24 hour coverage type programs available in several states
• Large Risk Alternative Rating Plan
  

Submission Requirements:

• Completed ACORD application
• Appropriate Loss, Premium, Payroll Histories and with Employer FEIN#
• Broad description of operations
• Experience modification worksheet
• Average wage level for major class by state
• ERM14 (when needed)
• Completed selection worksheet (nine questions on one page)
• Applicable experience rating data
• Copies of most recent Federal Payroll Tax Filing (941) to support Payroll estimate
• Schedule from expiring policy (if readily available)