Throughout the Company’s history, each and every risk seeking workers’ compensation insurance coverage has been and continues to be reviewed by Company underwriters – particularly in the areas of prior loss experience, claim frequency, safety record, employment classifications, physical operation, and premium payment and credit history.  In addition, the Company’s staff of loss control representatives work very closely with underwriters to ensure that the risks related to each account are fully known.  Each and every new account receives a loss control visit within forty-five days from the effective date and each renewal account receives a loss control visit or contact at least annually. 

The Company maintains and continually upgrades very detailed policies and procedures manuals that govern its underwriting operations and set forth the delineation of its underwriting authority by personnel.  This manual further provides for greater consistency in assessments performed by underwriters, identifies specific risk exposures by class code, and allows supervisory staff to perform a more fair and consistent file review.  While exceptions to the aforementioned guidelines do occur in order to remain flexible and thoughtful, they are extremely rare and are rigorously monitored to ensure each account’s results.