No one else would take us with our 1.77 experience mod during the 1993 market for workers compensation. Otherwise no, because we have good underwriting results. Members interact in the process, following through until claim closure. We are the claims process.
Staffed captives are in the minority in Vermont.
No, we haven t done it yet because our reinsurance has restrictive provisions. Yes, because it s very easy to do. Build In the ability to pay dividends. Don t part with your captive consultant too soon. It s smart to keep your advisor for four years or more.