• Completed Acord 130
• Current Experience Modification
• Currently Valued Loss Runs (at least 3 years)
• Determine if the Class Codes are Eligible for the Program

Note the following are Not Eligible: (If an account does not fit the criteria below, contact underwriting)

• NOT ELIGIBLE - Accounts with 8810 & 8742 Only
• NOT ELIGIBLE - Accounts with Xmod below 0.70 and above 1.30
• NOT ELIGIBLE - Contractor Class New Ventures
• NOT ELIGIBLE - Account with ANY Lapse in Coverage during the last 2 years
• NOT ELIGIBLE - Accounts with Loss Ratio over 40% for the last 3 years (we will calculate this for you)
• NOT ELIGIBLE - Premium below $2,500 (May qualify for one of our other programs) on submit basis

Special Note the following are Eligible:

• ELIGIBLE - New Ventures...producers must  document that the owner has at least 5 years experience in a similar business
• ELIGIBLE - 1st Workers Comp Policy... for clients that have been in business and are now hiring their 1st employees
• ELIGIBLE - Contractors... must have 3 years of previous insurance with No Lapses
• ELIGIBLE - Multi-State Exposures... these must be submitted to an CGA Underwriter for rating and evaluation
• ELIGIBLE - Mid Term Moves... you must document that the client has current in-force coverage

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