The Company’s premiums are generated by writing workers’ compensation insurance for retail and other low hazard class codes in Florida.  The Company offers the following workers’ compensation products which have been designed to offer competitive plans to customers while maintaining low loss ratio’s and high retention rates.

Guaranteed Cost – Available to all clients, generally purchased by very small insureds with good loss experience.

Sliding Scale Dividend Plan – Loss sensitive plan offers a discount to guaranteed cost, available to small/medium insureds with good loss experience.

Incurred Loss Retro – An NCCI based retrospective plan available to medium/large insureds having good loss experience and who are price sensitive.

Paid Loss Retro – An NCCI based retrospective rating plan for larger insureds with good loss experience, superior credit and a strong interest in claims management.

Consent To Rate – For certain insureds that may be borderline eligible for coverage and who demonstrate a sincere desire to improve their overall workers’ compensation experience.  Small to large insureds who want our service and are willing to pay more to get it.