1 January 8, 2014, Issue N. Central Expressway, Suite 800 Richardson, TX ACIG (972) news I N S I D E T H I S I S S U E 2 ACIG Financial Report September 30, ACIG s Investment Portfolio 3 Project Lifesaver Report 4 AZ Program Report 5 ACIG Sharing Knowledge Utilization 5 ACIG Insurance Company Receives Highest Quality Score 5 In Memorium Bob Krier 6 ACIG Contractor Unique Project 7 ACIG Members Played a Important Role in IRMI s 33 rd Construction Risk Conference 7 ACIG Notes and Notables 8 ACIG Contractors in the News 9 ACIG 2014 Education and Networking Calendar 9 Concluding Thoughts Using Employee Wellness to Combat Workers Compensation Claims Ever rising healthcare premiums have become an accepted cost of doing business. To impact behavior and flatten the cost curve, many companies are sharing the cost burden with their employees and overlaying incentivebased programs to support a healthier workforce. Risk managers are making the correlation between a healthy workforce and a reduction in the number and cost of workers compensation claims. Numerous research studies have established that health factors known as comorbidities play a big part in the cost of workers compensation claims. Comorbidities are pre-existing health conditions that in addition to a workers compensation injury or occupational disease could hinder an employee s recovery and return to work. In a recent study, NCCI found five (5) comorbidities that impact workers compensation claims. 1. Obesity (as measured by Body Mass Index (BMI)) 2. Drug Abuse 3. Diabetes 4. Chronic Pulmonary Condition 5. Hypertension The study found that workers compensation claims with the obesity comorbidity incurred significantly higher medical costs, 6.8 times higher than non-obese. It also found that the number of claims involving obesity almost tripled from 2000 to Duininck Companies, LLC was an early adopter of employee wellness and formalized and branded their program, Duininck Wellness, The Road to a Healthier Life. Risk Maursetter, Duininck s Risk Manager, outlines the key elements on their program: Risk Identification...Biometric screening. Consult...Registered nurse wellness coordinator. Prevention...Health factors are addressed with personal healthcare providers. Education...Monthly health newsletter. Skill Building...Learn and practice wellness skills. Incentives...Participation and outcome-based programs. Duininck utilized many of the same techniques that have positively impacted ACIG s reduction in workers compensation claims by identifying and controlling risk to their employees and families. In recognition of Duininck s wellness program, they received the prestigious 2013 Gary E. Bird Horizon Award from International Risk Management Institute (IRMI).
2 ACIG News January 8, 2014, Issue 30 Page 2 ACIG Financial Report September 30, 2013 ACIG posted record capital of $136.6 million at September 30. ACIG earned a pretax economic benefit of $28.4 million for the nine months ended September 30, before policyholder dividends and other return premiums and related management fees of $23.2 million. ACIG reported pretax earnings of $5.2 million, and after tax earnings of $4.2 million. The financial results were positively impacted by growth in our Member s premiums, a reduction in excess layer losses and a strong investment market. ACIG s Investment Portfolio Asset Allocation as of September 30, 2013 Market Value Percent of Total Insurance Reserves Portfolio $ 196,448, % BlackRock $ 176,695,564 State Deposits $ 19,753,260 Capital Portfolio $ 164,527, % Equities Dodge & Cox (Global) $ 9,246, % Primecap $ 22,114, % Wellington Global Perspectives $ 15,888, % Vanguard International Growth $ 8,413, % Convertibles Zazove $ 27,358, % Allianz $ 13,433, % $360,976,458 in total investments Fixed Income Western Absolute Return $ 15,970, % T. Rowe Price High Yield Fund $ 5,773, % PIMCO Income Fund $ 13,783, % Franklin Templeton Global Bonds $ 17,644, % JP Morgan Mortgage-Backed-Securities $ 14,900, % TOTAL INVESTMENTS $ 360,976, % Shareholders Equity $ 136,580,000 ACIG s total investment portfolio had a year-to-date return of 5.1% and a 1-year return of 6.4%. This is a testament to our investment philosophy of fixed income investments in support of our liabilities and a more aggressive asset allocation for our capital portfolio.
3 ACIG News January 8, 2014, Issue 30 Page 3 Project Lifesaver Report ACIG Members continue to produce positive results in our Project Lifesaver Initiative. Over the last ten (10) policy years, our Members have reduced their loss rates as follows: % Reduction Phase I Phase II Phase III Valuation date: 08/13/13 American Contractors Insurance Group A 61% reduction in PLS Workers Compensation Rate Hoar Construction, LLC was ranked #1 in workers compensation with a PLS rate of.11 per 200,000 manhours. It is interesting to note that all ACIG Members had a PLS rate of 1.95 or lower, signifying an overall improvement for the Members % Reduction Phase I Phase II Phase III General Liability PLS rate has been reduced by 74% Valuation date: 08/13/13 American Contractors Insurance Group Thirteen (13) of our Members did not have any qualifying general liability losses in the year. These Members worked 20,977,708 manhours with no loss greater than $5,320; an outstanding result.
4 ACIG News January 8, 2014, Issue 30 Page 4 54% Reduction Auto Liability PLS rate has been reduced by 54% Phase I Phase II Phase III Valuation date: 08/13/13 American Contractors Insurance Group Five (5) of our Members did not have any qualifying auto liability losses in the year. These companies had one thousand two hundred forty nine (1,249) vehicles on the road with no liability losses greater than $5,320; an outstanding result. AZ Program Report ACIG and Zurich entered into a Strategic Alliance on June 1, 2005 to address significant risk and insurance issues facing our general building contractors including: 1. Subcontractor liability exclusions, limitations and related claims disputes. 2. Disallowing any meaningful risk transfer due to state anti-indemnity statutes and insurance regulations. 3. Low limits of insurance maintained by first and second tier subcontractors. The AZ Program provides a seamless program insuring practice program projects, project-specific CCIPs and rolling CCIPs for smaller projects. All of the insurers layering and limits are identical for all three (3) towers of the AZ Program. As of December 31, 2013, the six (6) AZ Members have produced the following premiums: Workers Compensation $ 38,421,272 Primary Liability $ 98,491,934 Umbrella/Excess Liability $ 55,806,221 Total $192,719,427 Included in this total is the premiums generated on 761 CCIPs, with construction values exceeding $8.9BB. While the overall performance of the AZ Program will not be known for several years due to the long-tail (10 years) completed operations claims exposure, the current underwriting results and economic benefits are very favorable.
5 ACIG News January 8, 2014, Issue 30 Page 5 ACIG Sharing Knowledge Utilization ACIG, in conjunction with its Members, has developed and maintains a vast document library containing over 1,900 documents. These documents are organized by category legal, risk management, safety and quality, and have key word search capabilities. Our ASK platform is only available to ACIG Members. It is not in the public domain and requires a unique User ID and Password for access. In the past twelve months, there have been 18,033 inquiries/searches. We encourage you to utilize ASK and welcome your suggestions on how we can make it better and more user friendly. ACIG Insurance Company Receives Highest Quality Score ACIG Insurance Company is our licensed insurance company that we utilize to underwrite workers compensation coverage. In order to provide this coverage, we are required to meet all the requirements set out by the National Council on Compensation Insurance (NCCI). All policies and endorsements are filed with NCCI and are put through a rigorous quality control examination. In addition, we file unit statistical information, including states of operation, classifications, rates, payrolls and loss data that is used in rate promulgation and experience modifier calculations. Based on our various filings, we received the highest quality score. Our underwriting department does an outstanding job of producing high quality policy documents and data resulting in our A+. In Memorium Bob Krier, President of The Hill Group, passed away unexpectedly on Tuesday, November 26, Bob was a great guy and a strong supporter of American Contractors Insurance Group (ACIG). He demonstrated his commitment to continuous improvement and best practices by attending and actively participating in all of our meetings. He was a successful businessman, innovator and leader in the field of virtual design and construction. He is survived by his wife, Andrea Krier, and their two children, Robert and Briana.
6 ACIG News January 8, 2014, Issue 30 Page 6 ACIG Contractor Unique Project Haskell s Scripps Proton Therapy Center received a Best Project Award of Merit from Engineering News Record (ENR). Advanced Particle Therapy chose Haskell to design and build its first highly advanced, west coast proton therapy center for Scripps Health. The Scripps Proton Therapy Center is only one of a dozen such treatment centers in the United States. The 102,500 square foot outpatient center features a healing garden, outpatient clinic, diagnostic department and a patient treatment area surrounded by a patient friendly grand lobby. The proton treatment equipment is housed in massive concrete bunkers that protect the surrounding areas from the radiation that is generated while extracting the proton beams from the state of the art cyclotron and delivering it to the patient treatment areas. Computer-based Building Information Modeling (BIM) played a key role in integrating the complex network of mechanical, electrical and mass concrete shielding systems to support the proton treatment equipment. Concrete walls and ceilings fifteen (15) feet thick were built to house the cyclotron, two (2) fixed beam treatment and three (3) rotational gantry treatment rooms. Unlike x-rays, which deliver a dose of radiation in, around and behind the treatment area, proton beam radiation therapy uses a highly focused pencil beam of subatomic particles, which can be delivered in three-dimensional shapes that conforms precisely to the tumor. This technology delivers the majority of the radiation directly within the tumor minimizing damage to surrounding healthy tissues.
7 ACIG News January 8, 2014, Issue 30 Page 7 ACIG Members Played an Important Role in This Year s Construction Risk Conference This year s Construction Risk Conference was attended by over 1,200 construction, risk management, insurance and other professional service providers. It is recognized as the place to be for current information and best practices. Rik Kunnath, Executive Chairman, Charles Pankow Builders, Ltd., was one of the keynote speakers. His topic, Culture: Its Impact on Business Success, Risk and Safety was very well received. Dave Dolnick, Risk Manager, The Brady Companies, Inc., was a panel member on Insuring Installation of the Building Envelope. Chad Goodfellow, President of Goodfellow Bros., Inc., was the presenter for Technology in Construction Risk Management Fleet Management. Maria Matamoros, Vice President Risk Management, The Weitz Company, LLC, presented Using Technology in Subcontractor Prequalification. Bart Wilder, Safety Director, Hoar Construction, LLC, made a presentation on Safety Management Deploying ipads in the Field. ACIG Notes and Notables Micah Bellow and James Shay have been appointed Vice Presidents of ACIG Insurance Company and American Contractors Insurance Company Risk Retention Group. Micah joined ACIG on May 15, 1989 and has served in a number of important roles. He heads our Underwriting department and also serves as a Risk Management Executive. He chairs our Communications Committee and leads many of our task forces. James joined ACIG on January 1, 2005, after a successful career as Risk Manager for Swinerton Builders, a large West Coast general building contractor. He heads up our Risk Management Services department and has been instrumental in the success of our AZ Program. ACIG s risk management team has published five (5) new white papers. They include: 2013 ISO Additional Insured Changes: Impact on Contractors and Their Subcontract Documents CapAssure Owner, Surety and Contract Guidance Defend Your Construction Company s Profits through Crisis Management
8 ACIG News January 8, 2014, Issue 30 Page 8 Multiple Policy Trigger Mitigation Project Protecting Information through Privilege All of these documents can be found on the ASK Platform. ACIG s quality department has totally revamped and retooled their Quality News Network document. This publication includes elements of our members quality programs, as well as ACIG s best practices in quality. Carl Heinlein, ACIG Senior Safety Consultant, was a presenter at IRMI s 33 rd Construction Risk Conference. His presentation was Fleet Risk Management Strategies. Mike O Neill, ACIG President & CEO, presented Risk Financing Options for Contractors at IRMI s 33 rd Annual Construction Risk Conference. ACIG Contractors in the News Graycor Services L.L.C. was named a Top 20 Industrial Contractor by Engineering News-Record (ENR). They have recently completed projects for AK Steel Corporation, ArcelorMittal, Aux Sable, British Petroleum, Cargill, Praxair, Severstal and U.S. Steel. Herzog Railroad Services, Inc., Falls City, Nebraska location, received the National Safety Council s Safety Leadership Award. The award recognizes five consecutive years without an occupational injury or illness resulting in lost work days or death. Phillips and Jordan, Incorporated has been awarded multiple regions by the U.S. Army Corp of Engineers under its Advance Contracting Initiative (ACI). The four regions encompass 26 states, the District of Columbia and all the U.S. territories and holdings in the Pacific Ocean. This five (5) year contract is to manage debris from any natural or man-made disasters. Past projects performed under (ACI) contracts include the 9/11 World Trade Center attacks and the recovery project following Hurricane Katrina. Pine Bluff Sand & Gravel Company celebrated its 100 year anniversary on November 8, This was also the premiere of their Family First safety video, using family as a means to strengthen employee engagement. Shimmick Construction Co., Inc. was awarded 1 st place for Safety Excellence by AGC of California in the Heavy/Civil/Highway Category based on 500,000 to 1,000,000 manhours.
9 ACIG News January 8, 2014, Issue 30 Page 9 ACIG 2014 Education and Networking Calendar Event Location Dates ACIG University Dallas, TX January Best Practices New Orleans, LA February 19 ACIG Annual Meeting New Orleans, LA February 20 Vail Contractors Forum Vail, CO March Spring Safety/Claims Workshop St. Louis, MO April 8-10 Fall Safety/Claims Workshop San Diego, CA September ACIG Risk Management Workshop Laguna Beach, CA October In-House Legal Counsel Forum Dallas, TX TBD Quality Peer Groups Various Various Safety Peer Groups Various Various Concluding Thoughts After more than five (5) years of contraction, the construction market is showing signs of growth and recovery. The recovery is slow, uneven and very dependent on construction market segments (i.e., building, energy, industrial, street and road, and infrastructure) and geographic location. As the market improves, contractors will need to manage a variety of risk. Strategic risk involves the analysis employed to select owners and projects to compete on. Execution risk involves the tactical components of the job, plans, means and methods, project teams and qualified subcontractors to be utilized in building the project. While compliance risk links the ethics, safety, quality and human resources into the project. Contractors will need to evaluate and manage these risks to achieve a successful outcome. All the best, President & CEO Copyright 2014 American Contractors Insurance Group
March 1, 2013, Issue 27 12222 Merit Drive, Suite 1660 Dallas, TX 75251 ACIG www.acig.com (972) 702-9004 news I N S I D E T H I S I S S U E 2 ACIG Financial Report 3 ACIG s Investment Portfolio 3 Project
About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that
2008 Builders insurance group annual report Road to the future road to the future Letter from the Chairman & CEO In our 2007 Annual Report, we discussed how Builders Insurance Group is a company in motion,
WORKSHOP T7 Tuesday, November 10 2:30 p.m. 4:00 p.m. BUILDING A BRIDGE WITH SUBCONTRACTORS: THE KEY TO A SUCCESSFUL PROJECT Presented by Panelists Moderator Deborah Heden Risk Manager Gonsalves & Santucci,
MAY I HAVE THIS DANCE? TO WRAP OR NOT Grace V.B. Garcia, Esquire Morrison Mahoney LLP 250 Summer Street Boston, MA 02110 P: 617.737.8822 F: 617.342.4914 firstname.lastname@example.org Grace V.B. Garcia is
Changes to the 403(b) Retirement Plan One Hundred Northfield Drive, Windsor, CT 06095 Toll Free: 866.466.9412 www.fiallc.com This presentation is provided for informational purposes only. It does not and
IL 09 19 10 93 "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia Corporation Commission for use by all licensed insurers in the Commonwealth issuing policies for
Anchorage, Alaska A Ultimate Parent: Alaska National Corporation ALASKA NATIONAL INSURANCE COMPANY 7001 Jewel Lake Road Anchorage, AK 99502-2825 Web: www.alaskanational.com Tel: 907-248-2642 Fax: 907-266-9252
SAMPLE CONSTRUCTION INSURANCE REQUIREMENTS A. In General The shall purchase and continuously maintain in full force and effect for the policy periods specified below the insurance policies specified in
Hospital Workers Compensation Benchmark Study P R E S E N T E D B Y B E E C H E R C A R L S O N I N S U R A N C E S E R V I C E S Beecher Carlson is pleased to present this fourth edition of the Hospital
NORTHERN CALIFORNIA SCHOOLS INSURANCE GROUP Cover Note to NCSIG Members & Their Architects/Engineers Insurance Recommendations for Construction Contracts Applicable to New Construction & Modernization/Remodeling
CUSTOM BUILT FOR YOU ANNUAL REPORT LETTER FROM THE CHAIRMAN OF THE BOARD AND THE PRESIDENT & CEO CUSTOM BUILT D FOR YOU uring, Builders Insurance Group continued implementing its strategy of diversified
Hospital Property Risk Management and Insurance in a Changing World 1 About Advisen: Advisen Ltd. is a privately-owned, independent and unbiased provider of news, data and risk analytics to the commercial
Annual Report Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Five Years in a Row -- J.D. Power and Associates H a r d W o r k 2 0 1 2 Edition Auto-Owners Insurance ranks highest
2013 Workers Compensation Insurance Oversight Report INTRODUCTION: Revisions to the Illinois Workers Compensation Act (820 ILCS 305/29) in the summer of 2011 require the Department of Insurance (Department)
WORKERS COMPENSATION GLOSSARY ACCIDENT An unplanned and unexpected event which occurs suddenly and at a definite place resulting in injury and/or damage. ACCIDENT FREQUENCY The rate of the occurrence of
Commercial Markets Construction Overview As one of the leading insurers in the construction industry, Zurich delivers product and service solutions that help our customers reduce injuries, minimize their
SELECTIVE INSURANCE GROUP, INC. BANK OF AMERICA MERRILL LYNCH 2011 INSURANCE CONFERENCE SELECTIVE INSURANCE GROUP, INC. FEBRUARY 16, 2011 SELECTIVE INSURANCE GROUP, INC. FINANCIAL STRENGTH DALE THATCHER
Schedule Q (Revised 1/5/15) CONSTRUCTION CONTRACTOR INSURANCE REQUIREMENTS Section 0.0 Introduction of the Owner-Controlled Insurance Program The City of Oakland (City) has implemented an Owner-Controlled
FORM 1 Page 1 of 2 INSURANCE COST INFORMATION WORKSHEET All Contractors, Subcontractors, and Sub subcontractors of every tier, are required to complete this worksheet and submit as part of your bid. Note:
INSURANCE REQUIREMENTS CHECKLIST Submit an Acord 25 form and the endorsements as required below. Your insurance must be in compliance immediately after you sign your subcontract and before you start work.
REPORT ON EXAMINATION OF THE DELAWARE PROFESSIONAL INSURANCE COMPANY, RISK RETENTION GROUP AS OF DECEMBER 31, 2010 Table of Contents SALUTATION... 1 SCOPE OF EXAMINATION... 2 SUMMARY OF SIGNIFICNAT FINDINGS...
your guide to EQUATION GENERATION IV equation gen IV CLIENT GUIDE ABOUT EQUITABLE LIFE OF CANADA Equitable Life is the largest federally regulated mutual life insurance company in Canada. For generations
104 CURRENT NOTES CURRENT NOTES A. N. MATTHEWS~ CURRENT NOTES EDITOR DEVELOPMENTS IN 1936 Although the annual statement figures for calendar year 1936 are not yet available, the present indications are
What Solo and Small Firms Need to Know about Malpractice Insurance Insurance Considerations 2 Mike Mooney Vice President Bar Association Programs USI Affinity Practice 360 - A Day for Lawyers & Law Firms
State of the Workers Compensation Market Natasha Moore, FCAS, MAAA Practice Leader and Senior Actuary August 25, 2015 WCEC Orlando, Florida Copyright 2015 National Council on Compensation Insurance, Inc.
GENPRODSUP6 PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY PRUCO LIFE OF NEW JERSEY FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT
INSURANCE REQUIREMENTS F CONSTRUCTION CONTRACTS ABOVE $30,000 Indemnity To the fullest extent allowed by law, the Contractor shall indemnify, defend, and hold harmless the County of Santa Clara (hereinafter
United Fire Group, Inc. Reports Second Quarter 2015 Results CEDAR RAPIDS, Iowa - (GLOBE NEWSWIRE) - United Fire Group, Inc. (NASDAQ OMX: UFCS), August 4, 2015 - FOR IMMEDIATE RELEASE Consolidated Financial
Obama Administration Record on Health Care Today, two years after we passed health care reform, more young adults have insurance, more seniors are saving money on their prescription drugs, and more Americans
Insurance and the Construction Failure 18 th Annual Construction SuperConference December 12, 2003 San Francisco, California James D. Hollyday email@example.com 1 Introduction 1. Contract Drafting
KNOWLEDGE IN MOTION ANNUAL REPORT 2013 A LETTER FROM THE CEO 2013 Management Team Senior Management Gregory A. Burton, President & CEO T.J. Obrokta, Jr., COO & General Counsel J. Christopher Howat, Senior
New Developments in Overseas Insurance Business ~ Agreement to Acquire 100% Ownership of a Listed U.S. Life Insurance Group, StanCorp Financial Group, Inc. ~ July 24, 2015 Meiji Yasuda Life Insurance Company
Residual Markets David C. Marlett, PhD, CPCU Chair, Department of Finance, Banking and Insurance Appalachian State University firstname.lastname@example.org 828.262.2849 http://insurance.appstate.edu/ Residual
Verizon Maryland Inc. 2011 Annual Report to the Maryland Public Service Commission (PSC) Submitted In Accordance With Memorandum of Understanding On Supplier Diversity Dated February 6, 2009 Verizon Maryland
Managing and Insuring the Risks of Affordable Housing Development April 16, 2014 Jeffrey D. Masters Kenneth Williams Cox, Castle & Nicholson LLP Los Angeles John E. Tastor Arthur J. Gallagher & Co. San
RETROSPECTIVE RATING PLAN PREMIUM ENDORSEMENT WRAP-UP CONSTRUCTION PROJECT MULTIPLE LINES This endorsement is issued because you chose to have the cost of the insurance rated retrospectively. This endorsement
Driving Down Claim Costs With PREDICTIVE MODELING December 2011 Sponsored by: Driving Down Claim Costs With PREDICTIVE MODELING Executive Summary Tools based on predictive modeling are transforming claims
[Unofficial Translation] June 4, 2014 Koichiro Watanabe President and Representative Director The Dai-ichi Life Insurance Company, Limited Code: 8750 (TSE First section) Agreement to Acquire 100% Ownership
Featured Solution May 2015 Your Global Investment Authority The Credit Analysis Process: From In-Depth Company Research to Selecting the Right Instrument In today s low yield environment, an active investment
Risk Management: Surety Bonds Jill Tucker September 22, 2015 Current Construction and Construction- Related Services Industry $1 trillion industry in US 8% of U.S. economy and 10% of world GDP 2nd largest
STATE OF THE SYSTEM WCIRB REPORT ON THE STATE OF THE CALIFORNIA WORKERS COMPENSATION INSURANCE SYSTEM Introduction The workers compensation insurance system in California is over 100 years old. It provides
YOUR GUIDE TO EQUILIFE LIMITED PAY UNIVERSAL LIFE equilife CLIENT GUIDE ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations we ve provided
INDEMNIFICATION AND INSURANCE REQUIREMENTS FOR LOS ANGELES COUNTY SERVICE AGREEMENTS Include Section I and Section II.(A. - F.) in all County service agreements. I. Indemnification: Contractor shall indemnify,
Workshop W4 Wednesday, November 20 9:00 10:15 a.m. and 10:45 a.m. noon RISK MANAGEMENT STRATEGIES FOR APARTMENT-TO-CONDO CONVERSIONS Presented by Workshop W4 Chad M. Hall Senior Vice President, Construction
APA format (title page missing) Proton Therapy 3 A paper A New Cancer Treatment: Proton Therapy A Review of the Literature Cancer is a widespread disease that is defined as a malignant or invasive growth
The Kansas City Orthopaedic Institute, LLC Community Health Needs Assessment 2013-2015 I. Purpose for the Plan: The following Community Health Needs Assessment was completed for the Kansas City Orthopaedic
Page 1 of 9 DOCUMENT 00850 INDEMNIFICATION AND INSURANCE REQUIREMENTS EXHIBIT B-1 INSURANCE REQUIREMENTS FOR CONSTRUCTION CONTRACTS ABOVE $25,000 Indemnity The Contractor shall indemnify, defend, and hold
Sample Solutions SABER RISK SOLUTIONS, LLC 2700 POST OAK BLVD., SUITE 1400 HOUSTON, TEXAS 77056 832-369-7554 WWW.SABERRISKSOLUTIONS.COM Empowered Data Services Can you effectively answer the multiple questions
Financial Strength and Stability Specialized Services and Consulting Partners in Risk Management 35 Years of Financial Strength, Risk Management Partnership, and Services Members Rely On. More Than Just
County Insurance Fund Lines of Business: Budget Reduction Proposals Risk Management Division Department of Finance 1 Mission To make a significant contribution to the health and safety of County residents,
2014-15 Five Hills Health Region Strategic Plan Better Health Better Care Better Teams Better Value Introduction We are pleased to present the Five Hills Health Region s Strategic Plan for the 2014-145
Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers The information contained below is general in nature and is not intended and may not be considered as providing
UNITED FIRE GROUP, INC. 2015 YEAR-END EARNINGS CONFERENCE CALL simple solutions for complex times FINANCIAL HIGHLIGHTS 4Q2015 4Q2015 YTD Operating Gain Per Share $ 1.21 $ 3.46 Net Income per Diluted Share
What are Captive Insurance Companies? Captives offer unparalleled benefits for the companies that use them. They allow a company to obtain insurance coverage that is tailored to its unique risks, rather
ADDENDUM A1 Subcontractor Insurance Requirements Certificates and endorsements must be received and approved prior to the start of any work. No payments will be released until all insurance documents are
TOTAL PRO DUCTIVITY TRACK About Total Productivity Track Total Productivity Track is the leading productivity solution for caregiver s performance in hospitals and clinics in America. Based in Houston,
BILL: SB 130 The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) Prepared By: The Professional
COUNCIL AGENDA: 03/16/04 ITEM: TO: HONORABLE MAYOR AND CITY COUNCIL FROM: Scott P. Johnson Ralph Tonseth SUBJECT: APPROVAL OF OWNER DATE: CONTROLLED INSURANCE PROGRAM FOR AIRPORT MASTER PLAN PROJECTS Approved
Bonding and Insurance Workshop Presented by Ingrid Merriwether, President & CEO 1 What is to Be Gained? Practical Knowledge of insurance and bonding How insurance and bonding protects you and others How
Fund changes coming to your retirement plan Swarthmore College Regular Retirement Plan As Swarthmore College enters its 150th year as a premier practitioner of the liberal arts, it is ever more grateful
Business Insurance Terminology Knowledge Is Power To understand your business policy, it is helpful to have a grasp of basic insurance terms. As a Trusted Choice, independent insurance agency, we are dedicated
PROFESSIONAL CURRICULUM VITAE OF EDWARD D. MARTINET II AIC, CPC Profession: Construction Management Consultant Construction Litigation Consultant General Contractor Licenses: California Contractors License
Collaborative Onsite Medical Care in the Workplace Sue Dierksen, MPH,RN, COHN-S/CM, CSP Director of Business Health- Aspirus Clinics Holly Bauer, RN BSN Health Services Supervisor, Sentry Insurance Objectives
Occupational Math: How Safety Professionals / Risk Managers Contributions Affect the Bottom-Line Cathi L. Marx, ALCM, COSS, CHS-V President Aspen Risk Management Group First Things First: Question:Should
Workshop W2 Wednesday, November 14 9:00 10:15 a.m. and 10:45 a.m. noon CGL COVERAGE FOR RIP AND TEAR COSTS Presented by Jeffrey D. Masters Partner Cox, Castle & Nicholson LLP Claims involving damage to
END TO END HEALTHCARE SOLUTIONS FRANKLIN SQUARE HOSPITAL CENTER EMERGENCY DEPARTMENT & PATIENT TOWER EXPANSION, BALTIMORE, MD FOCUSED ON HEALTH Lend Lease is one of the world s leading fully integrated
Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P IP B 110_110 HealthMarkets is the brand
Understanding the Electric Power Industry s Response and Restoration Process Electricity is a crucial product many of us take for granted. We scarcely think about it, unless we don t have it. Because electricity
PROJECT LIABILITY PROGRAM INSURANCE PROCEDURES MANUAL FOR THE PROJECT NAME PROJECT NUMBER Presented By: Swinerton Builders and Arthur J. Gallagher & Co. Insurance Brokers of California, Inc. Table of Contents
Financial Supplement Fourth Quarter 2005 This report should be read in conjunction with AIG's Annual Report on Form 10-K for the year ended December 31, 2005 filed with the Securities and Exchange Commission.
Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 ACIG INSURANCE COMPANY files to adopt current NCCI loss costs and selects loss cost multiplier of 1.208. The overall rate
GOVERNMENT OF THE DISTRICT OF COLUMBIA DEPARTMENT OF INSURANCE, SECURITIES AND BANKING REPORT ON EXAMINATION Intermodal Insurance Company, Inc., A Risk Retention Group AS OF DECEMBER 31, 2007 NAIC NUMBER
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY RETROSPECTIVE PREMIUM ENDORSEMENT THREE YEAR PLAN MULTIPLE LINES This endorsement is issued because you chose to have the cost of the insurance
Company History RSI International, Inc. was founded in 1986 by Colin W. Rainey. Launched initially as a full service Commercial Lines Managing General Agency, RSI has since expanded to offer both Commercial
LOSS COSTS, RATING BUREAUS AND THE WORKERS COMPENSATION CRISIS (CAS CONVENTION, ll/go) Richard A. Hofmann 125 "Loss Costs. Rating Bureaus and the Workers COmnenSatiOn Crisis11 By Richard A. Hofmann, ACAS,
News from The Chubb Corporation The Chubb Corporation 15 Mountain View Road P.O. Box 1615 Warren, New Jersey 07061-1615 Telephone: 908-903-2000 Chubb Reports Fourth Quarter Net Income per Share of $2.35;