Expect more SERVICE. Get more SAVINGS.

1 2 3
LESS
FEWER COSTLY LOWER
CLAIMS CLAIMS EX-MODS
Claim frequency DROPS Claims beat industry costs Average ex-mod declines
18% over 5 years. by 21% and close 19% 17 POINTS over 8 years.
FASTER than the industry.

3
EXPERIENCE THE
POWER OF

“ICW Group helps me save

on my work comp premium costs.”
Our Valued Policyholder
Rick Sweeney
Straub Distributing Company
 3
EXPERIENCE THE
POWER OF

1 Cumulative Frequency Reduction

1. FEWER CLAIMS
-6%
-6%
-8%
-10% Innovative Risk Management
% Change

-9%
-12% •• ICW Group works with you to develop practical safety solutions to meet
-12% -11%
-14% your unique needs.
-16%
-18%
-18% •• You receive on-site risk evaluation, customized training and on-going
program management.
1st 2nd 3rd 4th 5th
•• Our proprietary myResource and RMRx online tools help you manage and
Renewal Term reduce your losses.

2 Average Indemnity Claim Cost

ICW GROUP WC INDUSTRY
70k
21% Better* 2. LESS COSTLY CLAIMS
Average Claim Cost

60k
Strategic Claims Expertise
61.2k
58.1k 58.5k 58.6k 58.9k
•• Our low average caseload per Examiner means you receive personalized
50k hands-on claim management for faster resolution.
49.5k 50.5k 49.2k
47.4k 47.5k
•• Your claims are reviewed by our highly skilled Triage Unit for early
40k identification of complex and/or disputed issues.

2013 2014 2015 2016 2017 •• ICW Group’s Claims Examiners give you added claim control and help
Annual your employees return to work.
* Based on five year average

3 Average Ex-Mod Per Policy Year

3. LOWER EX-MODS
120%
115%
114%
Premium Cost Savings
110%
Ex-Mod Factor

105% 109% •• Lower your ex-mod and receive the most value from your workers’
107% compensation insurance.
100%
102% 101% 100%
95% 97%
90%
85%

1st 2nd 3rd 4th 5th 6th 7th

Renewal Term
V3