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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 for Agriculture Business Utah Business Insurance Company (UBIC) has created an agriculture – focused workers’ compensation product providing your clients with a competitive and reliable solution. 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 Most NCCI agriculture/farm codes eligible Available in the following states: AZ, CO, ID, NM, NV, OR and UT Target account premiums starting at $1,000 Experience modification factors up to 1.50 (higher - referral) Multi locations / Multi states eligible Accounts coming out of PEO or leasing are eligible Group transportation and lodging restrictions Payment plans and Monthly Self Reporting available Risk Management Tools Available Safety Manuals Safety Meetings Logs Safety Tips and Checklists Annual, bi-annual, quarterly risk management assessment (frequency based on account's needs) Online/Physical/Phone consultation on safety and accident prevention

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

· Available in most states · No code restrictions - minimum $250K in payroll in governing class cod - will quote as low as $2K min. premium - loss ratio 40% -60% last three years · Pay as you go payroll reporting · New ventures acceptable · Deductible program available - starting as low as $1,000 per claim - no collateral requirements on deductibles under $10,000.00 · National “A” rated carrier · No financials required · No deposits required - the deposit covers the first month payroll report · Staffing Companies: $15K min. premium with a mandatory deductible · Trucking Companies: $25K min. premium with no owner operators · Trucking Companies: $50K min. premium for those up to 15% owner operators

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

Your workers compensation insurance solution for artisan contractors Utah Business Insurance Company (UBIC) Offers competitive A-rated workers compensation markets in AZ, ID, NV and UT for artisan contractors. Underwriting guidelines Premiums starting at $1,500 Minimum 3 employees other than owners/officers New ventures okay with proven prior experience in the same industry 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. Artisan Contractors Workers Compensation Insurance

...re Legal, Med Pay, Garagekeepers, Dealers Open Lot, Additional Insured, Broade...ssistance Service Salvage Yards Tire Dealers, Service/Repair Upholstery (Auto)...

COMMERCIAL AUTOMOBILE If your direct markets can't help give us a try.. A XII Best's Rated Carrier TARGET CLASSIFICATIONS Non Emergency Ambulette Limousine Other Healthcare Vehicles Airport Shuttle Dump Trucks Flatbed Haulers Refuse Haulers Mix-in Transit Moving & Storage Sand & Gravel Haulers Dyr Van Fleets Oversized Loads/Special Riggers Stand Alone Auto Physical Damage (Non-Admitted) Motor Truck Cargo And More... LIMITS AVAILABLE Primary - Up to $1,000,000 CSL ($2mil on select accounts) Vehicle Physical Damage Limits up to $25,000,000 Motor Truck Cargo - Limits determined per type of cargo hauled No maximum size restrictions Minimum fleet size for this program is 10 units but we have additional markets who will consider smaller accounts down to 1 unit and new ventures. Competitive commissions Acord applications are acceptable. All new submissions can be e-mailed to : rverdi@cmsrisk.com or newbiz@cmsrisk.com Fax number for new submissions - (516)799-8602 LET CMS PUT THE PIECES TOGETHER FOR YOU!!!!!!!!!!!!!!!!!