Program Eligibility

Targeting the Hospitality Industry - Hotels, Restaurants, Country Clubs; Businesses Substantially Related to the Hospitality Industry. In addition to the hospitality industry, we focus on artisan contractors, retail, wholesale, auto service, light manufacturing, and other Program Niches as Approved.

Association Membership is Required.  Annual Dues are $50.

Program Details

Members – 520                   Written Premium – $3,343,520

Reinsurance – New York Marine and General Insurance Company, Best’s Rating “A” (Excellent)
Specific – $5,000,000 Limit Each and Every Loss, including a $500,000 Self-Insured Retention
Employers Liability - $1,000,000 Limit

Rates

·         3-01-2012 NCCI Loss Costs
·         Three Tier Rating with 1.35, 1.50 and 1.70 Multipliers
·         Schedule Rating (+/-25) and Special Prompt Pay Discount

Deductible Options

·         Small Deductibles from $500 to $2,500
·         Medium Deductibles from $5,000 to $25,000 

Payment Plans       

·         Monthly Installment Plan-25% Deposit (Surplus) First Year and Equal Monthly Installments
·         Monthly Payroll Reporting-25% Deposit (Surplus) First Year and Monthly Payroll Reports
·         Annual Pay Plan+25% Deposit (Surplus)

Financial Highlights (as of December 31, 2012)

·         Assets- $5,057,120         ·    Liabilities- $3,824,160     ·    Surplus- $1,232,960

Special Features

·    Pre-Populated Panel of Physicians      ·     On-Line Claims Reporting and Loss Control Tools

·     Employee Medical Questionnaires      ·   Georgia Insolvency Pool Protected