Opening Your Eyes to New Business

1
Opening Your Eyes to New Business

• Occupational Accident Insurance with and without
  Legal Liability
• I never knew it was over a 100 million dollar
  premium industry Andrew McMillin Texas
  Independent Agent

2
Why Occupational Accident Insurance?

• Difficult Class Codes
• Small-Medium Size Businesses
• Affordable Premiums
• Price Buyers
• Fluctuating Payroll (Seasonal Payroll)
• Employer Controlled vs. Employee Controlled
• Family Owned Business
• Not Happy with Current System
• Everybody has some type of account that needs
  this type of solution. I feel bad that some of
  my clients have been over paying for so long
  without me bringing them an alternative solution
  
• Texas Independent Insurance Agent

3
Defining Occupational Accident Insurance with and
without Liability?

• OCC/ACC-
• American Fidelity Insurance--AFO
• OCC/ACC with legal employers liability
• Vanguard Insurance Plus Coverage--VIP
• Being a small family restaurant Im
  constantly looking how to decrease my overhead
  cost. I want to give my employees and family
  members coverage and Occupational Accident
  Insurance was the best alternative for me
• Paul Dockter Small Restaurant Owner

4
Examples of Difficult Codes

• 24 hour convenience stores
• Furniture Manufactures-Assembly Cabinet Shop
• Steel operations
• Carpentry
• Furniture Movers and Storage
• Farming/Harvesting
• Packing Sheds
• Mobile Home Delivery
• Nursing Homes
• Nursery and Landscapers
• Having a seasonal business one constant issue I
  faced was paying for Workers Compensation when my
  payroll dropped in half. Having monthly
  reporting gives me the flexibility I need.
• Jauvier Estrada Houston Landscaper

5
American Fidelity Occupational Accident
Program(without Legal)

• Provides employers with indemnifications for a
  period of either 104 or 156 weeks from an
  employees date of injury, which covers the
  employees medical bills and time off from work
  due to an on-the-job injury. The Coverage can
  only be provided to Agents with a Group 1
  License.
• Its better than having no coverage at all.
  Could not afford workers compensation and my wife
  kept telling me we had to have some type of
  protection.
• Robert Hayes Owner of a Auto Mechanic Shop

6
Republic Vanguard Occupational Accident Program
(Includes Legal Liability)

• Provides, in addition to medical and disability,
  Employers Liability Coverage for the selected
  period of 104 or 156 weeks. This Coverage can
  only be provided to Agents with a General
  License- Property and Casualty
• This VIP product has saved my business over 50
  in monthly premiums. I feel I have more control
  of my benefits and I still protect myself and
  organization.
• Dave Bourhous Steel Fabricator Corporation

7
Agent BenefitsHow does OCC/ACC benefit my
agency?

• New Market Opportunities
• Increase Commission
• Cross-Selling Current Customers
• Increase Customer Base
• If You do not present OCC/ACC Someone else Will
• Showing this alternative saved me this account.
  The added bonus is that I increased my
  commissions.
• Clay Hill first Non-Subscription policy he ever
  sold.

8
Non-Subscription Express Top 10 Quoted Class
Codes in August

• ADDRESSING THE BENEFIT
• Difficult Class Codes
• Seasonal Industries
• Family Operated Business
• Industry Driven

• Restaurants
• Auto Repair
• Carpentry
• Cabinets and Furniture
• Clerical
• Home Healthcare
• Landscapers
• Motels
• Plumbers
• Farming Industry
• I have achieved my goal of providing
  occupational injury coverage for a wide range of
  exposures to the small to medium size businesses.
  The employers now has the opportunity to pick the
  policy that best insures their needs with
  competitive premiums.
• Edmund Dabrowski, Combined Group Chief
  Underwriting Officer.

9
Providing the Agent the Competitive Advantage

• Non-Subscription Express Quoting Engine
• Direct Underwriting (CG controls the Underwriting
  Pen)
• Dual Price Quotes
• Expanded Class Codes
• Competitive Premiums
• I tell my CSRs to quote Occ/Acc with and
  without legal every time. Its like shooting
  fish in a barrel. We might not close the deal on
  Occ/Acc, but we sure get to see the account for
  all his other insurance needs.
• West Texas Independent Agent who wants to
  remain Anonymous

10
Non-Subscription Express Quoting Engine

• Internet Driven for Real-Time Quotes
• Only Tool in the Market that Quotes both Occ/Acc
  with and without Legal
• Adjustable Commissions
• Lower Policy Fees
• Preliminary Underwriting
• FIRST IN WINS
• Giving Combined agents tools to be successful
  is one of my top priorities. By leading and
  designing the Non-Subscription Express we have
  given our valued agents the tool to be the market
  leaders. We will set the industry standard for
  Occupational Accident Insurance with and without
  legal.
• Blake Stock, CEO Combined Group

11
Policies Purchased from CombinedServiced at
Combined

• TPA paid by Anchor Claims
• Medical Claims via online for real-time reporting
• Loss Control on Staff
• Underwriting and Claims paid, done 100 In-House
• When submitting my first claim I already
  expected a runaround. I felt lucky it went so
  easy. After I submitted my second I realized
  that is the way they service my account.
• Occupational Accident Customer

12
Hear from you Soon

• Lance Johnson
• 1.800.275.3193 ext. 831
• 469.892.9831
• Ljohnson_at_combinedgroup.com
• If you do not have your login and password for
• Non Subscription Express
• please contact Lance directly.