PRODUCER PROFILE

We market our products through authorized insurance brokers and seek to develop relationships with producers with whom we can build a profitable book of business. Submissions are accepted not more than ninety (90) days in advance of the inception date and must include a complete application and description of operations, supplemental questionnaire, projected payroll and currently valued loss information and corresponding historical payroll for a minimum of the most recent three (3) years. We may require additional information depending on the size and complexity of the risk.

We want to do business with producers who...

• Are honest, open and positive.
• Are responsive and motivated.
• Value quality services and products.
• Are knowledgeable workers' compensation insurance professionals.
• Value and seek to create mutually beneficial, long-term relationships with their client insureds and client carriers.

What we look for in a producer...

• They are property and casualty producers who are knowledgeable about workers' compensation.
• They participate in continuing education and training for their managers and employees.
• They are willing to agree to and are capable of making specific volume and loss ratio commitments.
• They have a good reputation in the industry and do business with carriers that have a good reputation.
• They consistently make a profit for their markets.
• They know their clients and their markets and match their clients to the market.
• They value their relationships with their clients and carriers.
• They give us the opportunity to bid on controlled accounts.
• They have the ability to provide value added services to their client insureds.
• They share our values.

Policyholder Profile

We want to do business with policyholders who...

• Are honest, open and positive.
• Are responsive and motivated.
• Value quality services and products.
• Value their employees and are concerned about their well being.
• Are committed to working with their insurance broker and insurance carrier to develop and maintain a successful, long-term workers' compensation insurance program.

What we look for in a policyholder...

• The managers/owners are active in the operation of the business.
• They are well established and financially sound.
• They have a good reputation and are considered experts in their field.
• They are committed to working in partnership with their insurance producer and insurance carrier to reduce the net cost of their workers' compensation insurance program.
• They value quality services and products and the expertise and contributions of insurance professionals.
• They are concerned about the well being of their employees and committed to maintaining a safe workplace for them.
• They compensate their employees at appropriate levels and provide them with benefits and incentive programs.