Submission Requirements

1. Description of Operations
   1. Number of years in existence (Historical Narrative)
   2. Key Management Personnel (include resumes)
   3. Prior and current structure - including lines of coverage, retention, limits, excess carriers, service companies
   4. Marketing Strategy/Marketing Plan
      1. Target Accounts
      2. Projected Growth

      3. Competition

2. Program Information
   1. Detailed account of exposures (past and present)
   2. Number of insureds
   3. State Mix
   4. Average account/insured size
   5. Desired coverage by line of business

   6. Rating information by line of business

3. Policy Forms
   1. Current policy forms
   2. Copies of all endorsements
   3. Pending changes (if applicable)

   4. Unique Filing Requirements

4. Underwriting Administration
   1. Staff experience (include resumes of key staff)
   2. Underwriting guidelines and procedures
   3. Rating structure
   4. Breakdown of the premium dollar-expense components
   5. Systems Utilized for Rate/Quote/Policy Issuance

   6. Interface Requirements

5. Loss Information
   1. Currently valued loss information for past 5 years, excluding the most recent year
   2. Hard copy loss runs for current period
   3. Detailed description of all large losses excess of $50,000
   4. Summary of Group data by line (if applicable)

   5. Triangulated data (if available)

6. Claims Administration and Management
   1. TPA or Staff experience (including resumes of claims personnel)
   2. Procedures, authority levels
   3. Large loss strategy
   4. Corporate philosophy of insured
   5. Copy of claims service agreement

   6. Interface Requirements

7. Actuarial Reports (if available)
   1. BNR and loss reserve analysis
   2. Ultimate loss projections, by line

   3. Rate analysis and funding requirements

8. Financials
   1. Audited financial statements (2 years)
   2. Investment strategy (If captive involved)
   3. Dividend policy of the group (If captive involved)

   4. Description of state of domicile taxes, assessments, and fees (If captive involved)

9. Loss Control
   1. Programs and guidelines
   2. Safety manual
   3. Copy of a specific report or survey
   4. Key personnel (include resumes)