THE TEAM
Creative Agency Group in cooperation with Liberty Mutual has
made available a workers compensation safety group dividend program
designed specifically for the health, fitness and racquet sports
industry.* It is intended to meet your insurance needs while lowering
your total cost of risk.
You do not have to be a member of any national or local association to
participate in this program. You can be included in this program at the
time your current workers compensation coverage expires.
WHAT IS A SAFETY GROUP?
A safety group is the pooling of similar businesses or interests
(such as racquet and health clubs) and using the combined
experience of the group to determine amounts that may be
available for dividends.*
HOW DO YOU SAVE?
First, racquet sports, health and fitness clubs historically have
a better loss experience record than other businesses that are
grouped in similar workers compensation risk categories. This
means that a competitive initial premium can be offered for
coverage.
Second, members of the
program are eligible to earn dividends based on the overall
combined loss experience of the group; and again, with the
historical loss experience of this program’s participants, there
is the potential for dividends that then result in a lower net
cost for insurance coverage.*
Dividends are declared and
paid after final payroll audits are completed and program losses
are evaluated by Liberty Mutual. Declared dividends are paid to Creative
Agency Group, the Program's administrator, pursuant to a
participating policyholder's assignment of its dividend, and
then such dividends are distributed to Program members by the
administrator.*
HOW DO YOU JOIN?
To join, complete and sign the enclosed application. Questions
or requests for assistance can be directed to the Creative
Agency Group at their toll-free number, 1-800-888-8381 between 8
a.m. and 5 p.m., Eastern Standard Time. Applications are
processed immediately. You will receive a premium quotation or
coverage proposal via phone or mail.
PREMIUM FINANCING?
Upon being issued a workers compensation policy, you will be
billed by Liberty Mutual for a 25 percent down
payment and then for nine monthly installments, starting the
second month your coverage is effective. (There is no interest
charged on the unpaid balances under these payment plans.) Bi
monthly and/or quarterly payments are also an option.
CLAIMS
Claims can be submitted directly to Liberty Mutual, 24 hours a
day, 365 days per year toll free via phone at 1-800-266-2800, or
fax 1-800-892-8728. For questions or additional assistance
regarding claims, please contact our claims department at
1-800-888-8381.
ONCE YOU RECEIVE YOUR POLICY
As a Liberty Mutual policyholder, you will receive online access to loss
prevention publications and tools. These publications and tools
provide principals, goals and risk management techniques to
assist you in controlling your risk of loss. |
For additional
information regarding the loss prevention information, please contact
Mr. Jon Denley, Senior Vice President and National Program Director,
at 1-800-888-8381 between 8 a.m. and 5 p.m. Eastern Standard
Time.
This program is available to Agents & Brokers in all
states except Hawaii, Alaska, Ohio, North Dakota, Puerto Rico,
Washington, West Virginia, and Wyoming.
*Notice: A declaration of dividends, and the
amount of any declared dividend, is subject to determinations and
judgments made solely by the Liberty Mutual Board of
Directors. Any payment or the amount of any future dividend is not
guaranteed.
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