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.
|
|