WORKERS COMPENSATION. Competitive Commissions Premium Discounts Dividend Availability Medical Cost Containment

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1 WORKERS COMPENSATION AlaCOMP/Business Insurance Group provides Workers Compensation and Employer Liability coverage for your clients business exposures. At AlaCOMP/Business Insurance Group, we believe that stability, experience, product knowledge, and professional service are our most valuable assets. Program highlights include: Competitive Commissions Premium Discounts Dividend Availability Medical Cost Containment Drug Free Workplace Credits On-Site Loss Control Quarterly Safety Seminars Front End Claims Supervision At AlaCOMP/Business Insurance Group, we pride ourselves in our ability to foresee upcoming changes in the market and our ability to react to such changes. Our programs afford approved agents the ability to write workers compensation coverage in numerous risk classes. There are many reasons agents choose to place their valued clients with AlaCOMP/Business Insurance Group. Our philosophy is to outperform and outwork the competition, while maintaining our integrity and earning our agents trust. In addition, AlaCOMP has paid a dividend to eligible members since AlaCOMP/Business Insurance Group is a full service organization providing all services including claims administration, issuance of coverage certificates, billing, loss control and underwriting. Our administrative staff is trained to provide the highest possible level of service for our appointed agents and their clients.

2 P.O. Box , Montgomery, Al Lomac Street, Montgomery, Al / Fax Toll Free: AlaCOMP, an Alabama only self-insurance Fund, is very favorable to businesses of all types. The Fund is endorsed by eight trade associations, which makes the Fund extremely competitive in today s business environment. AlaCOMP s minimum class code premium is $1,000 with a minimum of two covered employees. AlaCOMP has contracted with Standard Carriers to write risk with out-of-state exposure. The Underwriting, Loss Control and Claims are handled directly by these carriers. Accounts we routinely approve after considering size, quality, and risk are: Main Street Retail Professional Offices Ambulance Services Restaurants Delicatessens Lounges Convenience Stores Church, Museum, Library Barber & Beauty Shops Manufacturing: Bottling, Sewing, Furniture, Metal Racks Moderate Service Work: Schools, Janitorial, Surveying, Daycare Detective or Patrol Agencies Clubs of All Types: Golf, Shooting, YMCA, Elks Family Recreation Centers Hotels Laundry, Dry Cleaners, Carpet Cleaners Lawn Maintenance and Landscaping Cabinet Shop, Wood Furniture, Truss Manufacturing Steel Fabrication (no installation), Scrap Metal Yard Property Management & Maintenance

3 -Inclusions continued Ready Mix Pest Control Machine Shops Home Health Service (Traveling Nurses) Assisted Living Facilities Non-Profits & Charitable Enterprises Auto Repair, Tire Stores Farming & Livestock Agricultural Risks Hospitals, Clinics, Doctor's Offices Building Supply & Garden Centers Construction Tradesmen and Single Classification Subcontractors With $5,000 Premium Millwright Work Cotton Gins Saw Mills AlaCOMP/Business Insurance Group realizes that each business is different and even though you might not see your clients risk listed above, please do not hesitate to contact us for true risk verification. AlaCOMP values all of its clients and potential clientele.

4 EXCLUSIONS The following classes/types of business will not be quoted or bound by AlaCOMP : A. Occupational Disease Exposures NCCI "D" and "E" classifications and NCCI classifications and state specific classifications with known Occupational Disease exposures including but not limited to the following (state specific codes may differ, but operations with similar descriptions will fall into these categories): 1105 COAL MINING SURFACE AND DRIVERS 1164 MINING NOC NOT COAL UNDERGROUND 1165 MINING NOC SURFACE 1710 STONE CRUSHING & DRIVERS 1741 FLINT OR SPAR GRINDING & DRIVERS 1803 STONE CUTTING OR POLISHING NOC & DRIVERS 1852 ASBESTOS GOODS MFG 3081 FOUNDRY-FERROUS-NOC 3082 FOUNDRY-STEEL CASTINGS 3085 FOUNDRY-NON FERROUS 3175 RADIATORS OR HEATER MFG 4024 REFRACTORY PRODUCTS MFG & DRIVERS 6251 TUNNELING NOT PNEUMATIC B. State, Federal and Marine Act Exposures USL&H Act Defense Bases Act Outer Continent Shelf Act Civilian Employees of Non-Appropriate Fund Instrumentality's Act Jones Act Federal Employers' Liability Act The Migrant and Seasonal Agricultural Worker Protection Act C. Generally Restricted Operations Railroad operations, except access lines on industrial property. Aviation risks and owner/operators of aircraft flight and ground operations

5 ALACOMP'S CO-SPONSORING ASSOCIATIONS Petroleum & Convenience Marketers of Alabama Bart Fletcher Alabama Petroleum Equipment Contractors Association Mindy Newell Executive Director Alabama Propane Gas Association Lisa Fountain Executive Director Alabama Restaurant Association Larry Fidel Occupational Safety Association of Alabama (OSAA) Lillian Martin Ramona Lavoie Director of Educational Services Assisted Living Association of Alabama Frank Holden Alabama Pest Control Association Carol Cauthen Executive Director

6 BUSINESS INSURANCE GROUP PERSONNEL DIRECTORY Vice of Operations Stephen Marino Vice of Finance Lil Martin Accountant Amy Noles Vice of Underwriting Ken Talley Underwriter Karen Swann Account Executive Carol Maske Policy Issuance Supervisor Patty Hinton Policy Issuance Coordinator Bronnice Jones Claims Manager Gene Lewis Claims Supervisor Wayne Currie Claims Analyst Carlos Arrington Claims Analyst Evelyn Thomas Claims Analyst DeAnna Sexton Claims Analyst Pam Swindall Claims Analyst Tracey Stallings Claims Analyst Melissa Robinson Claims Assistant Supervisor Linda Moncrief Claims Assistant Harriet Bundy Claims Assistant Christy Craig Vice of Marketing Jackie Harbuck Marketing Representative Nicole Stacy Accounting Premium Billing & Commissions Office Manager Linda Parmer Premium Audit Supervisor Patty Hinton Billing Stephanie Belser Director of Loss Control Fred Bottcher Loss Control Consultant Jim Hallford Loss Control Technician Bo Adams Director of Educational Services Ramona Lavoie IT Manager Rick Simonton Receptionist/Administrative Assistant Lindy Waight rev. 11/12

7 JUST A REMINDER IMPORTANT FACTS ABOUT THE ALACOMP FUND These are the types of accounts we aggressively pursue: Main Street Retail Professional Offices Ambulances Restaurants Lounges Delicatessens Convenience Stores Family Recreation Centers Church, Museum, Library Barber & Beauty Shops Hotels Assisted Living Facilities Home Health Service (Traveling Nurses) Non-Profits & Charitable Enterprises Ready Mix Pest Control Machine Shops Auto Repair, Tire Stores Millwright Work Cotton Gins Farming & Livestock Agricultural Risks Hospitals, Clinics, Doctor s Offices Building Supply & Garden Centers Lawn Maintenance and Landscaping Detective or Patrol Agencies Manufacturing: Bottling, Sewing, Furniture, Metal Racks Laundry, Dry Cleaners, Carpet Cleaners Cabinet Shop, Wood Furniture, Truss Manufacturing Property Management & Maintenance Steel Fabrication (NO INSTALLATION), Scrap Metal Yard Moderate Service Work: Schools, Janitorial, Surveying, Daycare Construction Tradesmen and Single Classification Subcontractors With $5,000 Premium Saw Mills Each business is different and even though you might not see your clients risk listed above; please do not hesitate to contact us about other risks as well. These are the types of accounts we cannot write due to reinsurance guidelines: Coal Mining Surface and Underground Stone Crushing & Drivers Flint or Spar Grinding & Drivers Stone Cutting or Polishing NOC & Drivers Asbestos Goods Mfg. Radiators or Heater Mfg. Refractory Products Mfg. & Drivers Tunneling not pneumatic State, Federal and Marine Act Exposures Municipalities or Government Entities (by State Law) Aviation Risks and Owner/Operators of Aircraft Flight and ground operations Railroad Operations, except access lines and industrial aid owned operations when written as an incidental part of an insured s overall operation. We strive to be the best and our focus is on customer service. Our main advantage is our quick turnaround time on quotes and our strategic claims handling approach. Hopefully having these lists handy will save you and others in your office time and effort. As always thanks for your business and support. PLEASE DON T FORGET WE CAN NOW PROVIDE COVERAGE FOR YOUR OUT OF STATE SUBMISSIONS AS WELL.

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