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Program Highlights

  • Targeting the Hospitality Industry - Hotels, Restaurants, Country Clubs. In addition to the hospitality industry, we focus on artisan contractors, retail, wholesale, auto service, light manufacturing, and other Program Niches as Approved
  • Three Tier Rating Approach
  • Special Payment Plans - Monthly Payroll Reporting and Monthly Installment Plan
  • Small Deductible Program (up to $2,500)
  • Medium Deductible Program (up to $25,000)
  • Reinsurance: New York Marine and General, Best's "A" (Excellent) - Specific $5Mil Limit Each and Every Loss, including $500K Self-Insured Retention; Employers Liability - $1Mil Limit
  • Georgia Insolvency Pool Protected                                                              

General Underwriting Guidelines

  • 4 Year Incurred Loss Ratio of 40% or Less
  • Experience Mod of 1.25 or Less
  • Minimum Premium $1,000 ($3,500 for artisan contractors)
  • Current Experience Mod Worksheet, Mod History and Hard Copy Loss Runs
  • No Employees in Hazard Group 4 Classifications
  • New Ventures and No Priors are Eligible
  • Association Dues - $50/Year
  • Georgia Employees at Georgia Locations Only

Georgia Deductible Program               

Type

Amount

I

II

Small Deductible

$500

4.5%

10.0%

Small Deductible

$1,000

6.8%

14.1%

Small Deductible

$1,500

8.5%

17.6%

Small Deductible

$2,000

9.9%

19.7%

Small Deductible

$2,500

11.0%

20.9%

Medium Deductible

$5,000

Refer to U.W.

Refer to U.W.

Medium Deductible

$10,000

Refer to U.W.

Refer to U.W.

Medium Deductible

$25,000

Refer to U.W.

Refer to U.W.

 

 

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