What really makes the Pool different from other insurance programs?

Let's start by mentioning some important coverage enhancements the Pool offers that are not offered by some or all of your other insurance options.

• We cover back wages in employment related liability claims.
• We provide public officials liability (wrongful acts coverage) on an occurrence basis, not a claims-made basis.
• We cover your property based on ownership, not based on whether or not you have remembered to list it on a schedule.
• We provide the full limit of crime insurance you purchase on inception date.

There are important financial and security differences, too.

• Current Pool financial data is available for review at all times on the Pool's web site. When was the last time you saw the financial statement of your current insurer?

• Pool reinsurers must meet minimum solvency standards of a current A.M. Best's rating of A- (excellent) with a minimum size ranking of VI on a scale of XV ($50 million to $100 million in capital and surplus).

• The majority of Pool losses are self-funded by Pool members. Pool members are secure in knowing that their insurance protection is not subject to the most recent quarterly financial statement of a commercial insurance company.

• The Pool has been insuring cities, villages and townships since 1982. We've been there for you for 21 years. We'll be here for you tomorrow.

There are important service reasons, too. They are simply too numerous to mention here. But give us a call or ask your account executive. We want you to compare us based on service. We'll win every time!