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Underwriting Solutions of America, Inc Are you tired of placing a client with a "PEO" or "self-insured" program only to later be hit with hidden fees, a loss of a mod and poor communication? We have the solution for you! Underwriting Solutions of America's is the preferred PEO vendor of Insurance agencies Nationwide. No upfront or audit premiums Pay as you go Little to no money down Fast and easy start-up Eliminate the need for State Pools or State Fund Residual commission above industry average High Risk High mods (no mod is too high) Creative Deductible Programs Guaranteed Cost programs Steel erectors Roofers USL&H Trucking Logging Bridge construction Staffing If it is tough to place then it is perfect for us! Download USA Agreement Here Underwriting Solutions of America's - programs depending on the state regulations are commonly written on MCP (multiple coordinated policies) and report to the bureau twice a year. Underwriting Solutions of America follows strict state regulations and fully discloses any and all costs at the time of quoting. Our programs are designed to assist your client by bringing down their mod, losses and overall costs. We find that educating the insured and assisting them with bringing down their costs turns them into a very happy long term client. Our agency partners utilize our programs mainly due to the customer service and our ability to find the perfect fit for their clients. Underwriting Solutions of America will work hand in hand with your agency when quoting, enrolling and servicing new clients. Success – We see our greatest success with mods over 1.35 and hard to place class codes. Our PEO programs carry a million dollar deductible layer with the carrier which is how they can be extremely competitive. We can offer guaranteed cost and low deductible options starting at $500 per occurrence to larger deductible options. Click on our USA Partner Agreement or call today and speak to one of our appointment specialists and partner with a company that works in an intense but enjoyable environment that still holds true to its common sense approach to underwriting risk. Currently operating in all states For more information on competitive quotes and or information regarding Underwriting Solutions of America please visit our website at www.usa4insurance.com

Monarch Partners Group LLC and affiliates (MPG) have been providing standard and alternative market workers' compensation solutions to agents and brokers nationwide for over 25 years. MPG specializes in Staffing and other distressed and other Higher Risk, Hard to Place risks such as those in assigned risk pools, unsuitable programs, startups, and risks whose workers' compensation has been cancelled or non-renewed. Risks in these situations who also have higher cost class codes, high debit Xmods., and premiums of $50k or more, benefit most from MPG programs. Higher Risk, Hard to Place risks are MPG’s target market. One such workers' compensation insurance solution for Higher Risk, Hard to Place risks companies is MPG's premium only program called a Payroll Opt-out Work Comp Program (POWC). The POWC entity has a PEO master WC policy structure in the background but the risk can opt-out of payroll and payroll tax services and remain obligated to perform those functions using their own systems, tax #s, and bank accounts.....and leave the WC program only in the PEO POWC to take advantage of the POWC entity's favorable x-mod and WC program, pay premium only on a pay as go basis for better cash flow mgmt., receive better overall pricing, have available and included benefits & services, and not have to go thru year-end premium audits. With its compelling pricing and flexibility, we have several larger risks in this program who are quite pleased. MPG's Target Classes of Workers' Compensation Insurance for Higher Risk, Hard to Place risks: Contractors Disaster Cleanup Construction Cannabis related Agriculture & Farming Nursing home Wholesale distributors Hotels Restaurants Home Care related Janitorial Landscaping Manufacturing Medical transport Masonry and Concrete Painting Electrical Schools Taxi & Limo Delivery Drug & Chemical Roofing Staffing Tree Trimming Transportation Plumbers Warehouse Security What MPG programs bring to you and your clients: • Competitive and residual compensation • “A” rated carriers • Cost effective pricing • All states coverage • Broad class code acceptance • Quick quote turnaround • In-house underwriting in many cases • Tailored risk management programs • HR, payroll processing, payroll funding, and more Compelling Program Features: A. MPG offers substantial cost savings to high risk hard to place companies through our master policy programs B. Larger Staffing and other risks can process their own payroll and issue employee checks on their own bank account with no employee paperwork required in many cases. C. We offer pay-as-go structures D. NO Xmod or loss ratio limits E. Coverage lapses & midterms ok F. New ventures acceptable G. Guaranteed cost and deductibles available Standard Submission Information: 1. ACORD 130 2. 3 years currently valued carrier loss runs (preferably summarized) 3. Current policy declaration/rating pages (if with a PEO now, current rates/code) 4. Xmod sheet 5. Any other info that will help us understand the risk www.monarchpartnersgroup.com [email protected] Ken Heideger 954-554-3456

...ounts Agriculture Animal and Dairy Farms Nurseries or Garden Centers...ations - with or without convenience stores Part / supplies Tire Deale...

Accounts in most WC Class Codes are eligible for this program. Prospects with experience modifications of up to 1.35 are eligible for this program. In certain states, mod’s can be as high as 1.80. Prospects with up to 20% of their payroll in up to 4 foreign states are eligible. Prospects with standard, unmodified premium of $5,000 and more are eligible for this program, except for contractors which have a minimum premium of $6,500, ($10,000 in NY) and trucking accounts which have $10,000, minimum premium.

Agriculture Workers Comp Insurancecan often be hard to write. Empire has partnered with an "A" rated carreir in order to bring an Agriculture Workers Comp Insurance market to independent insurance agents. Empire Agriculture solutions covers a wide range of farm and agriculture industries. We also specialize in high hazard and tough to write accounts. If you are looking for a fast reponse and experience account handling, look no further than Empire Underwriters. Each of our brokers have over 20 years experience with workers comp accounts, there are not many situations that we have seen and not many situations where we cannot find a solution. Please contact us at 800-758-8113 to speak to our experienced brokers about your Agriculture Workers Comp Insurance accounts. Appetite: MOD 1.30 or Greater High Hazard or Tough Classes Blue, Gray and White Collar Accounts Accounts in State Pools or Funds Distressed Accounts or Lapsed No Prior, Cancelled, Non-Renewed New Ventures ... OK Multi-State Exposure our Specialty Hard To Place Workers Compensation Insurance Program Features: Quick Turnaround Many "A" Rated Carriers Stand Alone Workers Comp Guaranteed Cost Solutions Integrated Work Comp Solutions Dividend and Retro Plans High Deductible Programs Custom Account Handling Requirements: ACORD 130 3-4 Years Loss Runs Details on Large Losses Supplemental Questionnaire Do you need a Agriculture Workers Compensation Insurance Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately.