Midwest Builders’ Casualty maintains the following new business underwriting guidelines:

     •   Annual premium greater than $5,000
     •   Experience Modification Rating less than a 1.25
     •   Must have been in business and have had workers’ compensation coverage for a
         period of at least twelve months (this criteria may be waived)
     •   Must comply with and sign a Loss Prevention/Loss Control agreement

Below is an overview of our Loss Prevention/Loss Control Agreement:

     •   Maintain a formal loss prevention program, which includes documented weekly
         safety meetings
     •   Maintain a drug/alcohol program including testing after all work related injuries
     •   Agreement to use appropriate hiring procedures
     •   Agreement to control and direct medical treatment of their injured employees
     •   Agreement to provide light duty return to work to injured employees
     •   Agreement to report all claims within five days of the injury date
     •   Agreement to cooperate with all loss prevention and claim recommendations
     •   Agreement to require/obtain certificates of insurance on all subcontractors
         verifying workers’ compensation coverage