What coverages are in the program?   • General Liability • Auto Liability /Auto Physical Damage • Workers Compensation There is a two-line requirement Outside the program Optional coverages: • Employment Practices Liability /Directors & Officers • Property • Boiler & Machinery • Crime/Fidelity • Fiduciary • Bonds • ERISA • Umbrella What States do you cover?   All 50 states What limits are covered?   • GL 1mm per occurrence Treatment – 1mm 3mm aggregate E&O/ Inspections 125,000 per occurrence 250,000 aggregate • AL 1 mm per accident • WC Statutory Employers Liability- 1mm There is an option to increase General Liability and Auto Limits to 2mm per occurrence for a percentage of the underlying premium. This has proven to be cost effective over pricing of an umbrella. Who is Gallagher?   Arthur J. Gallagher is the third largest insurance broker in the United States, with office throughout the country.. Do we cover Chemicals and Pollution?   Yes.   The GL policy is endorsed to cover pest control operations subject to following all state & federal laws. [Endorsement]   The Auto policy is also endorsed to cover collision, upset and overturn, which would include all chemicals transported. [Endorsement] How do we get a quote?   • Complete the applications for applicable coverage and send to   Gallagher.   • 5 years of loss history from carriers is required.   • Gallagher requires 30 days to process quotation.   • Provide a recommendation from a current member for reference.   • A copy of current policies helpful if a comparison to PestSure is   desired Are there minimum premiums?   There is not a specific minimum premium, but a minimum revenue amount of 2 million. Do you have to buy stock?   No. The stock purchase is an option. In the future owning stock could have additional advantages. Currently our program benefits increase the longer a member participates What financial Advantages does a captive provide?   • PestSure & CPS are owned by the policyholders and stockholders.   • A portion of all profits are returned to the member via rate reductions and premium credits based on profitability. How are the rates set?   Once a year the board meets to set rates. There are two strategies.   (1.) Each company is evaluated on their own experience- merit rating   (2.) Program experience is also reviewed to determine overall increases and decreases.   Workers Compensation rates are set by the filing done in each state by our carrier Old Republic Insurance Co. PestSure then has the option to apply additional rating factors based on experience Is PestSure pricing Competitive?   Very much so.   PestSure will not be the cheapest.   Our premiums include many services:   • A full time Loss Prevention team to assist with on site meetings,   evaluations and training. • A full time dedicated Claims Unit that knows Pest Control. • A full time team of Insurance Professionals to assist with related   coverage’s and state requirements. • Various attorneys on retainer in all states, including a dedicated   Toxic and Chemical sensitivity attorney who has worked with   PestSure for 10+ years What’s in the Members Area?   As a member you will be given a login ID and password to this section. Here is a preview. What are my payment options?   • GL/Auto and WC can be paid with 25% down and 8 installments   • All optional coverages are paid in full
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	PestSure • Arthur J. Gallagher Risk Management Services, Inc. 14241 Dallas Parkway, Suite 300• Dallas, Texas 75254 Phone 1-800-326-6203 Fax 972-663-6052