When it comes to your workers’ comp coverage, it pays to stay with ARC.
Elaine Beegle has found that to be true. She and her husband own On Tap Sports Cafes in Fultondale, Inverness and at the Galleria.
Their businesses have had ARC workers’ comp coverage since 2007.
As is the case with most ARC insureds, Elaine’s independent insurance agent recommended ARC to her. “I usually follow his advice,” Elaine said. Most ARC members have a longtime relationship with their agent, which means they don’t have to shop around for coverage. That saves time and aggravation.
LONGER YOU STAY, MORE YOU MAY GET BACK
The longer your business takes advantage of the cost-effective coverage provided by ARC, the more you may get back in what is known as your Retro Return.
By participating in the self-insured fund, eligible participants may receive money back as a credit on their next renewal through the Retro Return. As extra funds accumulate, either from positive claim development or investment income, ARC trustees elect to return that money back to participants through the Retro Return. In 2018, ARC is returning $5.5 million to members. The longer a member participates in the fund, the more money they are eligible to receive.
At the high point, On Tap Sports Cafés’ Retro Return was five times what it was the first time Elaine received a return.
HERE FOR YOU WHEN AN INJURY HAPPENS
In the event a workplace injury does happen, ARC is here for you from start to finish. With in-house claims adjusting, ARC is able to offer a level of service few can match. From your initial call to report the injury, all the way to closure of the claim, you will be working with dedicated ARC staff members located in Alabama.
By handling claims ourselves, ARC can get employees the care they need and get them back to work quickly, saving costs and keeping your rates low.
GREAT RETENTION RATE
The potential for credits from the Retro Return and the in-house claims service, keeps ARC participants in the mood to renew.
Stellar customer service also keeps them coming back. “Dealing with Toni is great,” said Elaine, referring to Premium Administrator Toni Hill.
Great service, rates and opportunities to get credits for longevity and safe workplaces means ARC has a renewal rate for eligible accounts of more than 98 percent.
Not an Alabama Retail Comp participant? Visit alabamaretail.org/comp to find out more.