• Why have I not heard of this before?
• What is the average savings for companies?
• How difficult is it to get started?
• Do I use my existing insurance agent?
• What happens if our program has a really bad claims year?

Why have I not heard of this before?
- Unfortunately there is a misconception that only large companies can create their own insurance program. We have access to reinsurance markets that make it possible for nearly every company to benefit from their customized insurance program.

What is the average savings for companies?
- Historically companies with their own programs save one year's program costs every five years. That equates to paying premiums for four years and getting the fifth year free! We have the data to prove it!

How difficult is it to get started?
- It is no different than what you do now. We provide you a program quote in the same fashion as your existing insurance carrier does. We just show you how much is set aside for claims and if you don't spend it on claims, you get to keep it. It is that simple.

Do I use my existing insurance agent?
- Certainly, as the majority of our business is the result of insurance agenets learning how our programs work and then realizing it is a great opportunity for their clients.

What happens if our program has a really bad claims year?
- Essentially you do not have any unspent claim dollars to keep as once those dollars are spent the reinsurance carrier then pays the rest. That is why these programs work so well.