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CNC Insurance Assoc. Free Recorded Hotline 1-800-376-2144 ext 8603

G.Kevin Nemith Pres. Business Insurance Center

web audio from Kevin Be Your Own Comp Boss! call us today to qualify 1-877-262-3276 toll free

This Program is for business owners who pay over $100,000 - $2,000,000 in work comp premium and want a different approach to insurance. The program is backed by A rated VIII AM Best insurance company (owned by Warren Buffet). If you qualify, you will have your own captive insurance cell, where you share in the profitability of your own work comp program. No complex captive arrangements, just a simple alternative risk financing program that allows customers to craft a unique work comp solution.

Here is how it works

1) We submit your policy and loss information to the company

2) You get an established loss cost rate for your cell which is based on your loss history

3) Your annual premium is based on your loss cost rate not the rates of the State

4) Your premium is paid monthly based through a payroll program administered by the Insurance Co.

5) At the end of each year the Insurance co. basis your loss ratio on paid losses only (not reserves!)

6) You share in the profits of your own captive cell . Save up to a staggering 65% !

7) You are protected from large losses by having a "capped" premium amount in any given year.

Frequently Asked Question's

What makes this different than a Dividend Program ? dividend programs are programs that are not guaranteed and are based on tables set by the company board of directors. Also these programs are usually calculated using paid and reserve losses which are under the total interpretation of the company claim adjusters.

What makes this different than a Retro program ? retro programs determine profitability over a long time frame. Also retro programs do not have a cap. In many cases clients get walloped with additional premium because of long term loss development factors and reserves.

What makes this different than a standard work comp insurance policy ? standard comp policies use the base rates of each individual State and class code. This program uses the rate you have established based on your loss history. This is a captive program where you are in a sense your own insurance company.

What is the down side to this program ? you must have a good loss history to qualify. Also the your monthly pay into your captive cell is done through a payroll program. Finally there is a three year commitment to use the cell.

Why would an insurance company give so much away? by having a unique approach (using a captive cell) the insurance company only gets to work with the cream of the crop. This program does not work for business owners who have a lot of losses on their work comp and also who do not value the "vested interest" of taking risk with an insurance company. If the client makes a profit so does the insurance company. It is a win win for both.

3 easy ways to contact us

*Call Us Today to see if you Qualify 1-877-262-3276 toll free

*Click here to contact us by email, (reference comp boss)

*Call our COMP BOSS HOT LINE for more info 1-800-376-2144 ext 8603

Get a Free Business Insurance Quote Click Here

Business Insurance Center

CNC Insurance Associates

20 East Division Street Dover De 19901

1-877-262-3276

302-678-3860

fax 302-678-3870

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