– 26+ Years in Business with an Exceptional Loss Ration and History
– Group Buying Power = Reduced Costs / Premiums
– Members own / control their own insurance company and reap the profits, instead of a traditional insurance carrier retaining them
– Quarterly Loss Control Meetings are held to review results, interface with the adjusters / vendors, discuss safety issues, review loss control services and learn the latest news from industry guest speakers
– Dedicated local Third Party Claims Administrator “Sedgwick” with face to face Claim Reviews at least twice per year, works “for the captive”
– Independent Claims Consultant to oversee adjusters / claims handling, review reserves and act as a liaison on behalf of our members
– Medical Provider Network (MPN) Extends Medical Control to “Lifetime”
– Customized Loss Control Services from UCIB and Travelers
– Ability to choose your Legal Defense Firm from our Preferred Panel
– Policyholder and Shareholder and Dividends are voted on by the “members” and paid to the “members”, not retained by a big insurance company
– Annual Board Meeting to vote on captive issues, with an expense reimbursement for one Director from each member company
– Create a vehicle to smooth out the pricing and servicing cycles found in the workers’ comp marketplace and provide the lowest “net cost” long term
– Gives members ultimate “control” of their own exclusive insurance program, which has successfully been in existence since 1988