The following items are needed for EACH POLICY YEAR to conduct a complete and thorough review. Please provide as many items as you can locate. The missing items will then be requested from your agent or insurance carrier. The number of years to be reviewed will depend on the information you can provide. Our most successful reviews date back eight (8) years, however we realize that obtaining this many years of policy information may be difficult. We ask that you do the best that you can.

Necessities:

1. Renewal billing statements (indicating estimated payrolls, discounts, etc.)
2. Final audit billing statements
3. NCCI experience rating worksheets (all worksheets for all years)
4. Loss history summaries (gross and net if available)
5. All audit worksheets prepared by insurance company auditors
6. A brief description of your business operations

If available:

1. Dividend proposals and calculations (if applicable)
2. Ledger of premium payments (a list of the amount paid and any amount received)
3. All proposals provided by your insurance carrier prior to writing coverage
4. All endorsements received
5. Copies of all correspondence with your agent or insurance carrier