What is ACE Complete? Dynamic Real Time Web Interface fo

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ACE Complete

• The Complete Solution to Small Business Workers
  Compensation

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What is ACE Complete?

• Dynamic Real Time Web Interface for Workers
  Compensation
• Qualify, Quote and Bind Coverage On Line
• Eligibility Determined Immediately
• Instantaneous Quotes
• Immediate Coverage Confirmation / Binding
• Backed by ACE USAs A Financial Strength
• Broad Underwriting Appetite
• Commission Paid at Inception
• Supported by ESIS Claims and Risk Control
• Underwriting and Training Support Dedicated to
  your Region
• Multiple Company Tiers and Pricing at Point of
  Sale
• Will Consider Program Business for Specialist
  Producers
• Responsive and Easy to Use
• Six Screens to Quote
• First Time User Will Quote a Typical Account in
  Less Than Five Minutes

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The ACE Complete DifferenceAppetite

• Broad Palette of Eligible Classes
• Manufacturing
• Construction
• Service
• Transportation
• Wholesale
• Retail
• Most States Have Over 300 Eligible Class Codes

• Multi State Coverage Available
• Available in 36 states and 9 additional states on
  a restricted basis
• Start Up Businesses are Eligible

• Small to Medium Size Employers
• Premium range 2,000 150,000 (Min may vary
  by state)
• Experience mods .60 to 1.80 (Maximum may
  vary by state)

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ACE CompleteClaims Service

• Dedicated Regional Adjusters, accustomed to the
  needs of small to medium sized employers
• On Line Access to Claims Information (Available
  to Our Business Partners)
• Convenience of reporting by toll free number
• Phone contact made to employer, employee and
  provider within 24 hours on lost time claims
• Telephonic case management based on standard
  criteria (e.g. backs, shoulders, necks, hands and
  discretionary claims)

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The ACE Complete AdvantageCost Savings

• ESIS Expo A network within a network
• Physicians within our PPO are ranked based on
  average costs and duration of treatment
• Claims kits include Expo providers in posting
  panels
• First Script Pharmacy Program
• Efficient and effective drug utilization review
• Prescription Drugs represent 13.4 of medical
  costs
• 12 savings in drug costs achieved via this
  initiative
• Triggers
• Alerts to claims representative and case nurses
  based on certain criteria
• Claims management triggers (e.g. number of
  physical therapy treatments or number of
  chiropractic visits)
• Superior service and effective communications
  means favorable outcomes

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The ACE Complete DifferenceUnderwriting and
Training Support
Eastern Region

• Fred Innes - Mgr 302 476-6927
• fred.innes_at_acegroup.com

RI
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The ACE Complete DifferenceUnderwriting and
Training Support
Midwest Region

• Mike Beck Mgr 312 775-3119
• mike.beck_at_acegroup.com

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The ACE Complete DifferenceUnderwriting and
Training Support
Southern Region

• George McDonald Mgr 678 795-4381
• george.mcdonald_at_acegroup.com

NC
OK
TN
AR
NM
SC
GA
MS
AL
TX
LA
FL
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The ACE Complete DifferenceUnderwriting and
Training Support
Western Region

• Tom Glock Mgr 720 228-4169
• tom.glock_at_acegroup.com

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ACE CompleteIdeal Producer Characteristics

• Generalist Focus on Small to Medium Sized Risks
• Geographical Territory Compatible with ACE
  Complete State Strategy
• Minimum 10 Million Guaranteed Cost Workers Comp
  Volume in the Agency
• Dedicated On Line Marketing Team (or Willingness
  to Create Such Position)
• Willing to Negotiate a Volume Commitment
• Previous or Current Experience with Other On Line
  Markets
• Prefers the Line Expertise and Market Stability
  of a Specialty Carrier over the Convenience of
  One Stop Shopping.
• Workers Comp Risk Management Practices Imbedded
  in Agency Culture
• High Retention Ratio

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ACE CompleteIdeal Characteristics of Program
Business

• Producer Specialization in the Class
• An Existing Book of WC Business with Measurable
  Performance
• Unique Leverage to Obtain the Business
• A Selection Strategy that Clearly Favors the
  Average and Better Exposure Characteristics
  within the Class
• Class Lends Itself to Control of Key Exposures to
  Loss
• Limited Competitors