Nonsubscription Article

April 20, 2010

For Nonsubscriber Plans, We Have the Underwriting Pen

When we say the Combined Group is the nonsubscriber market leader, it's not marketing hype; it is a fact. Here's why.

• In our more than 20 years in the nonsubscription business we have earned the complete trust and confidence of the industry's leading carriers.
• Because of that, we have been made Managing General Underwriter by these carriers, with full binding authority, rate-making, policy issuance, collection/remittance, loss control and adjusting responsibilities.
• Because of that, we offer products and services unmatched in the marketplace.

That's what we mean when we say we have the "underwriting pen." When you work with the Combined Group you have a direct line to issuing companies unlike any other because we act with full authority for the issuing companies.

Here's what that means to you.

Underwriting - Our nonsubscription underwriters are the decision makers. You are not dealing with a broker or middle man. Because we have full underwriting authority, we can make quick decisions and respond faster, so you can beat your competitors when time really matters.

Claims - The Combined Group's Anchor Claims Management (ACM) provides expert professional third-party claims services for on-the-job injury claims, including those tangled in litigation. Claim decisions and payments are made from our office which allows for quicker response time.

ACM's track record is the envy of the industry. It has been established by superb handling of more than 45,000 nonsubscription claims, including litigated cases. Combined Group uses that experience to provide direct input in underwriting, policy language and claims procedures, so your clients get coverage based on a wide variety of experiences with multiple carriers.

Loss Control - Combined Group's Anchor Risk Management (ARM) provides Texas nonsubscribers professional loss control and loss consultation services.

ARM's certified consultants are licensed Professional Engineers and Certified Safety Professionals, co-located with our Underwriting and Claims organizations to ensure direct communication and an integrated approach to total customer care.

Our fully integrated approach to nonsubscription plans has earned the trust of insurance carriers, independent agents and their clients in all industries in Texas. By design and performance, we are the nonsubscription experts.

For more information, please email Ken Dahl, kdahl@combinedgroup.com or call him at
214.295.1622.