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...– All risks including valet & self parking operations • Cargo – Sublimit for th...ng, Servicing, Salvaging & Valet Parking • Non-Franchised Dealers & Wh...

A Self-Insurance program is based on a decisi...uating, and establishing a successful self-insurance program. Individual Self Insurance - Worker's Compensation S...

...Guaranteed cost only Monthly Self Reporting available All accounts ...

...Guaranteed cost only Monthly Self Reporting available Restaurants Wo...

...ent practices liability insurance, self-insured workers comp., and umbrellas. ...

... placing a client with a "PEO" or "self-insured" program only to later be hit ...

What do we consider a "hard to place risk"? High mod over 1.50 (no mod too high) Steel erection Roofing Trucking Logging Staffing Businesses that only the state fund or state pools are quoting High claims frequency Shock losses All Insurance Underwriters takes pride in finding creative solutions for every type of risk regardless of size risk and past experience. Our program/business development team is considered to be one of the top in the Nation when it comes to creative insurance solutions. Most of our programs still work off of a Pay- As- You Go payment platform to make it easy for your clients. Don't allow your client to pay more than the law should allow! AIU can place your State Fund/Pool business! No upfront premium due No intrusive yearend audit Pay as you go improving cash flow Fast and easy start-up Eliminate the need for State Pools or State Fund Residual commission above industry average High risk industry appetite High modifications (no mod is too high) High deductible programs Small deductible programs Guaranteed cost programs If it is tough to place then it is a fit for us! Creating a Win-Win Relationship with our Agency Partners AIU's premium volume is a direct result of our current relationships with our valued retail agency partners nationwide and the way we conduct business together. This successful formula attracts top carriers directly enhancing our collective insurance product offerings to all concerned… Why does AIU compensate above average commissions? AIU respects this synergistic relationship and compliments the individuals who make it happen and control the direct relationship with the business owner. AIU Programs: Small contractor program – looking for premiums from 5k – 75K, some new ventures accepted with owner resumes, no general contractors. Hotel and Restaurant programs Pizza Restaurants with Delivery (Up to 50% of gross receipts can be from delivery) Auto Dealer programs Home Healthcare Programs – This program requires the insured to offer health plans for their employees. Minimum is 3 full time employees. Temp Medical Staffing Staffing Program Non-Emergency Medical Transport Program High Risk/ High Mod accounts – We have a few different programs to place these type of accounts with high deductible and guaranteed cost. Multi-State accounts How to Submit? Send submission to CMsubmissions@aiuinc.com Fully completed acord 130 Currently valued loss runs (within 90 days of the effective date). 4 years prior for most carriers, some do require 5 (Companion). Details on losses over 25K Supplemental application is required for staffing and preferred on other accounts Ex-Mod worksheet FOR Staffing Submissions: Acord 130 Ex mod worksheet (required) Currently valued loss runs Staffing supplemental application Last 4 quarters 941's List of current contracts A good description of the account. If no D&B score, compiled financial statements, in particular the insured's balance sheet Target premium if at all possible. This is very helpful and is a key to success.

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.

· 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