Key Benefits. Employer s Liability 2M/2M/2M (Standard) Scheduled Credits Up to 25%

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Baldwin Joseph
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Key Benefits Employer s Liability 2M/2M/2M (Standard) Scheduled Credits Up to 25% Safe Work Place Credits Up to 25% 5% Employee Sponsored Health Insurance Plan (Requires 75% employee participation)

1 Key Benefits Employer s Liability 2M/2M/2M (Standard) Scheduled Credits Up to 25% Safe Work Place Credits Up to 25% 5% Employee Sponsored Health Insurance Plan (Requires 75% employee participation) 5% Pre-Employment Medical Exam (Required with DOT drivers) 5% Drug Screening Program (Required with DOT drivers) 5% Video Surveillance System 5% Light Duty Return to Work Program (Written program is required) 7% Active Safety Program (Written program is required) 7% Employee Assistance Program (Written program is required) 10% Business Practices (MOD averaging 1.0 for the past 3 years) Terrorism Charge $0 EFT Guard (Unauthorized Fund Transfer) $0 $100,000 in coverage/$5,000 deductible $2500 for Cyber Extortion Premium Discount $2,500 to $5,000 5% $5,001 to $20,000 10% $20,001 to $100,000 11% $100,001 to $250,000 12% $250,001 to $500,000 $500,001 and over 14% 16% Expense Constant $200 MRA Assoc. Dues $130 for profit/ $70 for non-profit *First year association dues are returned to the agency from MRA Commission 10% on new and 9% on renewals 24/7 Claims Service Contract Number: 1578

2 Payment Options Annual Semi-Annual Quarterly Monthly Any Amount Annual Premium of $500 or more Annual Premium of $1000 or more Annual Premium of $4000 or more EFT and CC forms are found in Agent QB. Payment by check can be mailed to the home office Retailers Insurance currently does not have a service fee charge with any of its billing plans Excluded Individuals To exclude an individual, they must have a minimum of 10% ownership Waiver of Subrogation Will be issued at no charge, up to a limit of 5 *A copy of the contract with the company requesting the individual waiver is required Individual Waiver of Subrogation after 5 $50 per waiver Blanket Waiver of Subrogation $250 To request a waiver, please contact the Underwriting Department. Payroll Maximum $83,200 Minimum $23,660 Audits Guidelines $350 to $750 Self Audit $751 to $3,000 Phone/Self Audit Every Year $3001 to $7,500 Phone or Physical Audit Every Year $7501 to Above Physical Audit Every Year

3 Things to Remember Underwriting You can secure an Updated MOD by using the free function on the Policy Information screen The CAOM report will not be requested until the account is Submitted to UW. The report will be attached to the file notes for your review, followed by a request for additional information, approval or declination. Until an account secures Underwriting Approval, the premium proposed in not guaranteed. Be certain to use the Submit to UW option. Quotes should not be presented until approved by underwriting. Loss Runs will be requested and can be uploaded by using the Notes & Uploads The following documents should be presented and secured when meeting with the client o Membership Application and dues (Dues can be included with the down payment) $ 70 for non-profit $130 for profit organizations $0 Amerinca Rental Association If the business is a current member, you do not need to collect additional dues o Specific Person Exclusion Form o Safe Workplace Credit Form o EFT or Credit Authorization Form o Deposit Check All of these items can be mailed to the home office or attached to the file and payment entered electronically with in the submission Pay Plan Information You can now select the form of payment, Check by mail, Credit/Debit Card or E-Check Billing Information Accounts new and renewing after 9/1/17 will have provide billing information provided in Agent QB. A notification message will be sent to the producer when hard copies are sent to the insured. Electronic notifications include o Invoices o Declaration Pages o Pending Cancellation Information

4 Benefits Included Free Labor Law Poster Support of the Buy Nearby Campaign Doing Business with a Pure Michigan Association and Company MRA Marketing material Bi-Monthly copies of the Michigan Retailer publications Merchant Processing (Servicing over 5,000 businesses annually) o Competitive Rates Visa, MasterCard, Discover and American Express o Point-of-Sales Solutions Stand-Alone, Dial Up, IP or Smart Phone Processing o Authorize.Net (e-commerce solutions) Real Time, Web-based for secure transactions o Dial Pay Solution Touch tone verification not requiring a terminal o No Supply charge, set up charges, application fee, programming costs, fixed monthly leasing fee, voice authorization fees or chargeback fees o $100,000 of Data Breach Coverage (No Cost) Smart Phone Credit Card Processing Solutions Check processing solutions Remote Deposit Solutions Customized Gift Card Solution MRA Discount Shipping Program o Through PartnerShip Up to 29% with select FedEx Express Up to 25% with select FedEx Ground Up to 10% with select Home Delivery Up to 62% on (LTL) Less-than-truckload with UPS Freight and Yellow Transportation Access to health, life, supplimental helath, short term disability, vision and dental insurance products College Scholarship Program o Providing dozens of college scholarships to benefit members, employees of members and their families. Retail Education Seminars Legislative Advocacy o Supporting the retail industry and offering assistance with government related concerns

5 What are we writing? Accounting, Law and Engineering Firms Apparel Stores Appliance Stores American Legions Art Galleries, Supplies and Graphic Design Assisted Living Associations (Homeowners, Trade, etc.) Attorney Offices Auto Dealerships Auto Part Stores Auto Repair Auto Services Auto Towing Bakery Barber Shops and Salons Beauty Supply Stores Beverage Distributor Book Stores Broadcasting Stations Cabinet Woodworking Charitable Organizations Child Care Services Churches Civic and Fraternal Organizations Clerical Clothing Stores Clubs (YMCA, YFCA, YWCA, etc.) Coffee Shops Convenience Stores Delivery Services Dentist Offices Doctor Offices Dry Cleaning Educational Associations Engineering Services Farm Machine Dealers Food Manufacturing Funeral Homes Furniture Stores Florists Golf Courses Gas Stations General Merchant Stores Grocery Stores Hardware Stores Health Club Hobby and Toy Stores Home Improvement Stores Hospitality (Hotels & Motels) Insurance Agencies Jewelers Landscape & Lawn Care Libraries Limousine Company Manufacturing Manufacturing- Light Manufacturing- Plastic Manufacturing Machine Parts- Precision Manufacturing- Wood Micro-Breweries Museums Non-Profits Office Supplies Optical Goods Store Pest Control Pet Supply Stores Pharmacy Pool Supplies Pool Installation Resale Stores Residential Maid Services Restaurants/Sports Bars Retail Stores Shoe Stores Schools (Public/Private) Sporting Goods Store Theaters Transportation (No trucking for hire) Vehicle Service & Repair Veterinary Clinics Wholesale Trade- General Zoo s

6 Unacceptable Exposures Professional Sporting Teams Aircraft Exposures Asbestos Related Exposures Underground Mining Construction Wrap-Ups Hazard Group 4 (NCCI) Subway Construction Electric power line construction or maintenance Logging operations Roofing (all kinds) Iron or steel erection o *Unless the exposure is incidental (less than 10% of the overall annual payroll or premium) Wrecking or demolition of buildings Gas and oil drilling Manufacture, product, store, distribute, transportation of any gas, Exposure better covered by the; or liquefied petroleum, Jones Act o *Except retail operations Federal Employers Liability Act Longshore and Harbor Workers Compensation Act Exposures Manufacture, product, store, distribute, transportation of explosive substances, including o *Unless the exposure is incidental (less than 15% of the overall annual payroll or premium) anything which has an explosive intent International Business Travel General Contractors Construction of coffer dams Placement Services Subaqueous work

7 Business Data Look Up Helpful Links and Information

8 DOT Look Up

9 Current Workers Compensation Look Up

11 Management Team James P. Hallan President and Chief Executive Officer Toll-Free: William J. Hallan Chief Operating Officer and General Counsel ext. 306 Toll-Free: ext. 306 Tom Tuggle Senior Vice President, Insurance Sales & Membership ext. 305 Toll-Free: ext. 305 Mobile: Kurt M. Dettmer Senior Vice President, Insurance Sales and Business Development ext. 333 Toll-Free: ext. 333 Mobile: Laura Schilling Director, Underwriting ext. 313 Toll-Free: ext. 313 Jamie Moore Underwriter ext. 332 Toll-Free: ext. 332 Judy Schafer Manager, Operations ext. 331 Toll-Free: ext. 331 Abraham Hartline Corporate Accountant ext. 321 Toll-Free: ext. 321 Linda Pierce Underwriting Assistant ext. 336 Toll-Free: ext South Washington Avenue Lansing, MI Phone: Toll-free: Fax: RetailersInsurance.com 1017

ORDINANCE NO

ORDINANCE NO. 0-04-09 AN ORDINANCE AMENDING THE CODE OF ORDINANCES, CITY OF CROCKETT, TEXAS, BY THE AMENDMENT OF APPENDIX A, ZONING; AMENDING SECTIONS 201. 1, 201.2, 201.3, 201.4, 201.5, 201.6, 201.7,