Commercial Insurance Solutions. Effective Strategies for Mid-Size Companies

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1 Commercial Insurance Solutions Effective Strategies for Mid-Size Companies

2 Commercial Insurance Solutions for Mid-Size Companies PMA PROVIDES WORKERS COMPENSATION EXPERTISE AND A BROAD ARRAY OF RESOURCES TO MID-SIZE COMPANIES IN KEY INDUSTRIES With a broad portfolio of risk financing options, we are able to match clients needs with the right solutions and deliver service that s second to none. That s how we have achieved strong client retention and overall client satisfaction that averages 96%. We partner with mid-size companies and develop insurance programs based on individual risk quality, with standard premiums up to $500,000 for monoline workers compensation and up to $750,000 for multiple lines. In serving mid-size companies, PMA integrates our underwriting approach with industry-leading claims, managed care, and risk control services. In addition, many of our mid-size clients benefit from PMA Cinch, our powerful yet easy-to-use Risk Management Information System (RMIS) tool. At PMA, workers compensation has been our focus and passion for a century. Today, we are among the most experienced workers compensation insurance carriers in the United States. Overall Client Satisfaction Rate Averages 96% per independent surveys

3 Services UNDERWRITING Every organization is unique, and so are their risk management challenges. Our local underwriting teams concentrate on understanding our clients business and risk profiles and work to match their needs with the right insurance and risk management solutions. CLAIMS MANAGEMENT Our claims teams have specific knowledge of jurisdictional rules and regulations and our claims management process is designed to promote communication, collaboration, and cost control for our clients while ensuring injured workers receive quality care and all claims are effectively managed. MANAGED CARE PMA s Managed Care programs are driven by our integrated team of medical management, pharmacy, and nurse case management experts who exclusively focus on workers compensation. With a holistic and strategic approach to managed care, PMA helps injured workers recover and safely return to work while addressing escalating medical and pharmacy costs through proven programs. RISK CONTROL Our industry-focused risk control experts take a consultative approach to understanding our clients businesses and identifying their potential loss exposures. We then collaborate with them to select and implement risk management strategies and programs that our benchmarking shows are successful in their respective industries. PMA CINCH Our RMIS tool provides users with convenient access to their risk management data that includes comprehensive claims and loss information as well as analytic tools. Users can pinpoint information, analyze claims trends, and produce standard or customized reports. A Focus on Your Business PMA focuses on serving mid-size companies in broad industries, such as: Durable Goods Manufacturing Long-Term Healthcare Food Manufacturing, Wholesale & Retail Education

4 Durable Goods Manufacturing WE OPENED IN 1915 TO MEET THE RISK MANAGEMENT NEEDS OF MANUFACTURERS AND WE VE BEEN SERVING THEM EVER SINCE For mid-size companies, our expertise in manufacturing is focused on durable goods manufacturers, including, but not limited to: Fabricated Metal Furniture and Fixtures Machinery Mechanical Equipment, Electronics, and Instrument-related Products Rubber and Plastics We understand durable goods manufacturing involves challenging exposures with physical exertion, machine operation, and slips and falls driving the majority of lost-time claims. PMA Risk Control experts can help you focus on reducing these exposures while building or enhancing your organization s enterprise-wide commitment to safety from the production line to the chief executive. Across PMA Companies various business segments, PMA provides workers compensation risk management solutions and commercial insurance products to hundreds of manufacturers throughout the United States. We understand the nuances of DGM and offer risk products and services to meet your specific needs.

5 Long-Term Healthcare PMA COMPANIES PROVIDES WORKERS COMPENSATION RISK MANAGEMENT SOLUTIONS AND COMMERCIAL INSURANCE PRODUCTS TO HUNDREDS OF HEALTHCARE ORGANIZATIONS Our expertise in healthcare includes a focus on mid-size long-term care organizations, such as: Nursing Homes Assisted Living Facilities Continuing Care Retirement Communities (CCRCs) We know firsthand that long-term healthcare is a challenging industry. The work is hard, employee turnover can be high, and patient handling and slip and fall exposures can make it difficult to keep workers healthy. That is why our focus is on not only controlling your total workers compensation costs, but also reducing your exposures with proven risk control strategies. 98% of Clients Would Recommend PMA per independent survey

6 Food Manufacturing, Wholesale & Retail TODAY, WE MEET THE NEEDS OF HUNDREDS OF MANUFACTURERS, WHOLESALERS, AND RETAILERS ALONG THE FOOD SUPPLY CHAIN We also know that slips and falls, manual material handling, and loading and stocking accidents account for a large number of lost-time claims. That s why our focus is on not only controlling your total workers compensation costs, but also reducing your exposure to loss wherever possible. Our solutions are designed for refrigerated, frozen, baked, and non-perishable food manufacturers; general-line and specialty food distributors and retailers; and a wide variety of accounts along the food production, distribution, and retail chains. We know food manufacturing, wholesale & retail are particularly challenging industries: following OSHA protocols; keeping up with the latest regulations; safety training; controlling employee turnover; and maintaining production are everyday concerns.

7 Education SCHOOLS HOLD UNIQUE PLACES IN OUR COMMUNITIES Across PMA Companies various business segments, we serve hundreds of educational clients, including six of the eight Ivy League Schools. For mid-size educational clients, our focus is private elementary and secondary schools, colleges, and universities. We know educational institutions are important parts of their communities. Many select PMA for our risk management expertise and focus on cultivating safety cultures that permeate all aspects of their campuses. Our philosophy is simple: higher learning and student enrichment go hand-in-hand with managed risk and safe environments. As places of learning, enrichment, and tradition, educational institutions fulfill a special role in our communities. But the business challenges they face are all too common and include increasing competition, tighter budgets, and an aging workforce that sometimes works well beyond retirement. For more information VISIT US ONLINE AT Or find your local PMA Representative at: and give us a call.

8 About PMA Companies PMA Companies ( provides risk management solutions and services in the U.S., specializing in workers compensation for larger accounts. Headquartered in Blue Bell, PA, PMA Companies is part of the Old Republic General Insurance Group ( the largest business segment within Old Republic International (NYSE: ORI), one of the nation's 50 largest publicly held insurance organizations. PMA Companies includes: PMA Insurance Group, specializing in workers compensation, and providing other commercial property & casualty insurance products PMA Management Corp. and PMA Management Corp. of New England, providing results-driven TPA and Risk Services for workers compensation, commercial auto, general liability and commercial property by A.M. Best