We are fiercely committed to providing "Smart, Prompt, and Personal Service" to our clients and customers. These simple but effective principles are embedded in our code of conduct and in the delivery of our products and services. As we strive to become a trusted insurance company, one that promotes the prosperity of society as a whole, we appreciate the significance and value of the economic, social and environmental aspects of our business.

• We utilize advanced technology to maximize productivity and improve the level of services to our brokers, agents and policyholders.
• We employ highly trained and experienced loss control and claims personnel to manage risks and mitigate losses.
• We maintain an effective reinsurance program to manage our overall exposure to excessive loss.
• We operate under disciplined underwriting guidelines and principles.

• We are committed to providing superior products and services in a timely and expedient manner.
• Notice of initial acceptance or rejection of new business is issued within 24 hours of receipt.
• Quotation is issued before the "Due Date."
• Policies are issued within 24 hours of binding.
• Renewal policies are released at least 30 days prior to the date of renewal.
• Claims receipt notifications are communicated within 24 hours.

• Personal means that we provide our products and services befitting the individual needs of our customers. We treat each customer with the respect and commitment that they deserve. We utilize our underwriting, claims, loss control, and accounting departments to build personal relationships with our policyholders, and producers because our policyholders and producers are who matter the most to us.