RMIS
"Action is the foundational key to all success."  ~ P. Picasso January 2012
REPLICATE SUCCESS with RMIS


Dear Valued Producers,

In watching the news these days, one common focus is on the economy and how dismally grim it is.  Quite honestly, it's a bit depressing at times. Europe seems to be feeling a similar pain, maybe even worse.  In truth, I think there was a few days last month that Altoids were actually stronger than the Euro.  Not that we're a whole heck of a lot better.  I was at the airport the other day and with American Airlines stock being at 24 cents per share, I struggled with paying to check my third bag in lieu of just purchasing half of the company. 
That being said, the economy is struggling just as most insurance carriers are in certain lines of business. Namely, EPLI, or Employment Practices Liability Insurance. Nearly all of the big writers of this line have done one of two things: 

1. Pulled out of the marketplace entirely in California
2. Increased rates by 20-50%

GUESS who hasn't pulled out...
GUESS who hasn't increased rates...
In fact, GUESS who has actually DECREASED rates slightly to help offset those upcoming nonrenewals or rate increases from other carriers...
Lastly, GUESS who you should be looking to for your EPLI accounts starting right now...

None other than USLI, A++ Rated, A Berkshire Hathaway Company.  And we are offering you access to them at the lowest cost ever. USLI would like to offer a safe and secure landing for those that benefited from inadequate and artificial rates last year.  You'll quickly find that by simply moving the renewal to USLI, via RMIS, will help you keep the renewal and satisfy your insureds.  One thing you'll learn very quickly about USLI is that they are very responsible about how they price their programs.  By doing so, they don't ever take the drastic increases from year to year.  What you see now for a rate is what you saw 3 years ago.  That's why you can still get a $370 BOP today just like you did last year and the year before.

 - Quote online 24-7
 - Quote by phone M-F, 6am-5pm - 1-888-845-1698
 - Email or Fax Quotes for Quick Turnaround 

However you like it, we offer it. Quote and bind in one easy motion, same day service.  With some simple restructuring in our commercial department to keep up with all of the new EPLI business that we've been receiving, you'll find that the service has never been quicker and easier.  Try it out, you'll see the difference.

 
Attention Employers
A Necessary Coverage
Top 10 Reasons That Your Clients Should Buy
A Coverage So Important as E-P-L-I

EPL Gavel
1. EPL covers not only actual but also alleged acts of discrimination,
harassment, retaliation, wrongful termination and other similar acts. See these CLAIMS EXAMPLES to get an idea of what's lurking.  Specific claims examples by a few of our more competitive classes are shown below:
          - Hotels & Motels
          - Restaurants
          - Grocery Stores

2. 3 out of 5 employers are sued by former employees every year.

3. Over 40% of EPL claims are against firms with fewer than 100 employees.

4. Some Federal and State employment laws apply to all employers - any size
company has exposure!

5. The Equal Employment Opportunity Commission (EEOC) recorded nearly
76,000 charges in 2006 and obtained more than $274 million in settlements
for claimants.

6. The financial ramifications of not having EPL insurance can be crippling,
especially for small firms because they do not have the operating budgets to
handle the defense costs, let alone settlements or judgments, of an
uninsured claim.

7. The medium cost of an EEOC lawsuit in 2006 exceeded $200,000.

8. There is no EPL coverage under other insurance policies such as General
Liability (GL). Any endorsement to another policy generally provides
insufficient limits, does not provide the breadth of coverage of a separate
EPL policy and erodes the limit available for the GL exposure.

9. Since 1997, wage and hour litigation has tripled. More wage and hour
collective/class actions have been filed in recent years than any other types
of employment class actions combined.

10. Gender discrimination, age discrimination and retaliation claims are on the
rise. There are more women and "baby boomers" in the workplace than ever
before. Recent Supreme Court decisions have lowered the standard of what
constitutes retaliatory treatment

 

 

* EPL Application   

* EPL Quick Indication Form 

* Our Best Bind Ratio for EPL   

* Benefits of EPL with USLI - Free Help Line for HR, EPL and Work Comp Questions  

 

 
Let us know if you have any questions or would like to discuss further.  EPL can be quoted three or four different ways depending on what you prefer at your agency.


1. InstaQuote Online Raters at RMISmga.com

2. Call 1-888-845-1698 (quote then emailed to you within seconds)

3. Send us an application that you're already shopping

OR

4. Send us that renewal quote that you've received just now showing a significant rate increase from current carrier - WE'LL BEAT IT!
 

Sincerely,
 

Ben Bailey
RMIS
Earn an Extra 10%
Don't forget that we're still offering 20% commission on any new Umbrella or CPL business placed with USLI.  This is the perfect time to approach us with any Umbrella or CPL books to see how you and your insured's can benefit by rolling it to RMIS.  Already with USLI but through a different customer?  No problem, a simple BOR and list of policy numbers are all we need to seamlessly roll all of your accounts to RMIS.  Same great USLI service and coverage but more money in your pocket!
Happy New Year!  Join us in making 2012 the most prosperous year ever!