Our underwriting professionals work closely with our independent insurance agencies to understand the past, current, and potential loss exposures on every account.

We offer a wide variety of pricing approaches, including flat, sliding scale, and retrospectively-rated programs. In most cases, we offer insureds the opportunity to earn back dividends that increase as losses decrease.

We also follow the Wisconsin and Michigan aggravated inequity provisions of unit statistical reporting. This is the data reporting element used to develop the experience modification. This rule allows a carrier to re-report claims that closed after being reported to the state.