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 $10Mil 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.