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A Self-Insurance program is based on a decision to retain risk rather than to insure it. It differs from traditional insurance in that a plan to pay for losses as they occur is needed. A self-insurance program may be funded from operation cash balances or through systematic payments into a special reserve fund. The motivation for becoming self-insured is usually driven by the desire to reduce costs. However, the most important benefit may be the essential control over claims administration and safety and loss control efforts gained by a self-insurer. CaitlinMorgan Insurance understands the decision to implement a self-insurance plan is one which requires extensive review of the client's needs and an honest look at potential disadvantages. In addition, self-insurers must make separate arrangements for claims handling and other services, and satisfy state surety bond requirements. With our years of experience managing self-insurance plans, CaitlinMorgan can guide you through the complex process of analyzing, evaluating, and establishing a successful self-insurance program. Individual Self Insurance - Worker's Compensation Solutions Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected]

PRM Small Account Workers' Compensation Program is for smaller accounts within defined classes meeting eligibility guidelines with premium from $1,000 to $100,000 with carrier with A.M. Best Rating of A XV to B+ VII Minimum Premium: $1,000 minimum premium $1,000 to $100,000 premium range Required for a Quote: Complete ACORD Application: (with FEIN) Must be Signed and Dated. PRM Supplemental Application: Must be Signed and Dated. Minimum 4 years, preferably 5 years of Loss Runs (Currently Valued within 90 days of effective date). 4 years of Historical Aggregate Payroll. Current X-Mod Worksheet (if available). Detail reports for losses over $50K. Thorough Description of operations. Bureau Inspection Report (If available). We accept submissions no earlier than 90 days prior to effective date!

Your workers compensation insurance solution in Utah, Arizona and Nevada Utah Business Insurance Company (UBIC) offers admitted workers compensation markets in AZ, ID, NV and UT. UBIC combines specialized workers compensation insurance underwriting expertise, exceptional service and safety awareness to offer solutions for your client’s toughest exposures. We underwrite each account individually based on its own risk characteristics. We can consider a broad spectrum of accounts because we are not template underwriters. Underwriting guidelines Premiums starting at $1,500 Experience mod no higher than 1.5 Work perform above 30 feet (refer to underwriter) Guaranteed cost only Monthly Self Reporting available All accounts are pre-inspected prior to binding Targeted industries Artisan Contractors Construction Roofers Restaurants Janitorial Services Most four-wall exposures Municipalities with less than 10% police and fire exposure Transportation

At tKg Comp our professional and experienced staff is equipped with nationwide product knowledge, long-term company relationships and workers' compensation expertise that is second to none in the wholesale market. Our results oriented focus is to find you the best market available for all of your workers' compensation clients while at the same time providing you with a world class level of service.

Your workers compensation insurance solution for restaurants Utah Business Insurance Company (UBIC) Offers competitive A-rated workers compensation markets in AZ, ID, NV and UT for restaurants. Underwriting guidelines Premiums starting at $1,000 Experience mod no higher than 1.5 New ventures and risks with lapse in coverage are acceptable Restaurants with 24 hours exposure ineligible Accounts coming out of PEO are eligible Guaranteed cost only Monthly Self Reporting available Restaurants Workers Compensation Insurance

LET CMS PUT THE PIECES TOGETHER FOR YOU!! With in house rating and binding capability we get the job done quickly. Target Classifications include: Contractors ($10,000 Minimum premium) including new ventures. Offices Wholesalers Manufacturers Property / Building Managers Transportation ($10,000 Minimum premium) Main Street Mercantile's And more... We can also consider the tough risk: Loss experience mods. up to 1.70 Mid term cancellations New ventures More than 10 A rated and national insurance companies to choose from. Competitive Commissions.

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