Our parent company, Berkshire Hathaway, Inc., is a holding company which owns subsidiaries engaged in a number of diverse businesses, and which is involved extensively in the insurance industry. Berkshire conducts its insurance and reinsurance activities through 32 domestic and 15 foreign-based insurance companies, including GEICO, General Reinsurance and National Indemnity. The Chairman of Berkshire Hathaway, Inc., Warren Buffett, is widely known for his success in managing the Group’s investments and acquisitions.

As members of the Berkshire Hathaway Insurance Group, each of the Homestate Companies has earned an “A++” rating from A.M. Best, and an “AAA” rating from Standard & Poor’s. This combination of unparalleled financial strength and superior claims paying ability sets us apart from our competitors in the industry.

Effective February 1, 2008, Redwood Fire & Casualty Insurance Company, one of the BHHC companies, was approved to write statutory workers compensation in Texas.

Given our current presence in 19 states, including California, our entrance into Texas, and our plans to continue to expand into other states, our Workers Compensation Specialty Division is positioning itself to be one of the leading writers of workers compensation insurance. With our large staff of workers compensation specialists, we are committed to helping businesses better manage their workers compensation costs by providing innovative and comprehensive products, as well as the highest level of financial strength and service.

Texas Representative for quotes and additional information:

Employer’s Comp Associates, Inc.
www.employerscompassociates.com
14350 Proton Road
Dallas, Texas 75244

972-931-2026 800-299-5250 Fax: 972-931-2126

Email: Michellejohnson@empcomp.com or shirleyanderson@empcomp.com

REDWOOD FIRE & CASUALTY INSURANCE COMPANY
Rated A++ XIII

Binding effective February 1, 2008

Fax or email Acord form and 3-5 years hard copy loss report to


972-931-2126

michellejohnson@empcomp.com
shirleyanderson@empcomp.com

As of January 28, 2008


The NEW

ECA/FAS address will be:


14350 Proton Rd.
Dallas, Texas 75244

Phone and Fax numbers will remain the same.
www.employerscompassociates.com

Employer's Comp Associates, Inc. has just celebrated EPIC’S 9th birthday! We are proud of the STABILITY, STRENGTH, and INNOVATION we have experienced in the Non-Subscription market since 1998. Our new product, Employer’s Excess Indemnity, provides additional protection to your clients with limits from $1,000,000 to $5,000,000 above existing EPIC policies.

Stability – EPIC is underwritten by Lexington Insurance Group and has been providing Non-Subscriber coverage for Texas employers since 1998. Various underwriters of Non-Subscription insurance have entered and left the market since then, but the EPIC program, underwritten by Lexington Insurance has remained constant.

Strength - Lexington Insurance is rated A+ XV Superior by AM Best and is a member of American International Companies, the largest commercial insurer in the United States. The strength of American International Companies provides the assurance that Non-Subscriber customers will be afforded the protection they need and the security that complete coverage will be provided.

Innovation – Lexington and EPIC were one of the first combinations to offer accident and liability coverage on the same policy form. Now Lexington and EPIC continue to provide enhancements to meet the needs of Texas Non-subscriber clients.

Growth - Lexington Insurance Company now offers (EEI) Employer’s Excess Indemnity for additional coverage your clients are requesting. Employer’s Comp Associates, Inc. and Lexington Insurance Company are proud to announce our new program, providing continued stability, strength, and innovation for the Texas Non-Subscriber market:

Employer’s Excess Indemnity (EEI) is available for our EPIC policyholders!

$1,000,000 to $5,000,000 Limits Per Person / Per Occurrence

Duty to Defend Outside Policy Limits

$1,000,000 SIR (EPIC Policy)

$15,000 Minimum Premium
One Carrier – No Gap in Coverage

"E P I C”
EMPLOYER'S PRIMARY INDEMNITY COVERAGE

EPIC is now partnered with EEI

Employer’s Excess Indemnity (EEI)
Employer’s Primary Indemnity Coverage (EPIC)

Employer's Comp Associates, Inc. has just celebrated EPIC’S 9th birthday! We are proud of the STABILITY, STRENGTH, and INNOVATION we have experienced in the Non-Subscription market since 1998. Our new product, Employer’s Excess Indemnity, provides additional protection to your clients with limits from $1,000,000 to $5,000,000 above existing EPIC policies.

Stability – EPIC is underwritten by Lexington Insurance Group and has been providing Non-Subscriber coverage for Texas employers since 1998. Various underwriters of Non-Subscription insurance have entered and left the market since then, but the EPIC program, underwritten by Lexington Insurance has remained constant.

Strength - Lexington Insurance is rated A+ XV Superior by AM Best and is a member of American International Companies, the largest commercial insurer in the United States. The strength of American International Companies provides the assurance that Non-Subscriber customers will be afforded the protection they need and the security that complete coverage will be provided.

Innovation – Lexington and EPIC were one of the first combinations to offer accident and liability coverage on the same policy form. Now Lexington and EPIC continue to provide enhancements to meet the needs of Texas Non-subscriber clients.

Growth - Lexington Insurance Company now offers (EEI) Employer’s Excess Indemnity for additional coverage your clients are requesting. Employer’s Comp Associates, Inc. and Lexington Insurance Company are proud to announce our new program, providing continued stability, strength, and innovation for the Texas Non-Subscriber market.

Combined Single Limits available from $100,000 to $2,000,000 per person/ per occurrence aggregate 10 x CSL

Employer’s Indemnity
Duty to Defend – Defense outside policy limits

No Policy Aggregate
Deductibles from $1,000 to $500,000
Weekly Indemnity 75% of wages up to $700/7 Day Elimination period Benefit periods of 1, 2, or 3 years

One life and up (minimum premium applies)-
$1,500 ($100,000 to $300,000 CSL)
$1,875 ($500,000 CSL)
$2,500 ($750,000 CSL)
$3,000 ($1,000,000 CSL)
$3,500 ($2,000,000 CSL)
$25,000 (Deductible of $50,000 and above)

Optional Benefits:
Occupational Disease and Cumulative Trauma
Waiver of Subrogation
Alternate Employer Endorsement
Independent Contractor Endorsement
Aviation Exclusion Endorsement
Certificates of Insurance upon request
Effective date any day of the month
Monthly, Quarterly, Semi-Annual, or Annual Billing
First day coverage for new employees
Full occupational coverage for part time employees
Twelve-month rate guarantee
Experience rating for favorable loss history
Automatic renewal

EEI - Employers Excess Indemnity - $1,000,000 to $5,000,000

Agents:

Tired of wasting valuable time “re-selling” your clients a new policy every year?

Does your client spend too much time “rolling out” a new ERISA Plan Document?

It’s time to offer your clients the one carrier offering STABILITY in the non-subscription arena!

Why you should offer EPIC to your clients

• Specializing in Non-Subscription for over 15 years!
• Stability – First EPIC Policy written April 1, 1998!
• Consistency – Same protection for your clients since 1998!
• Dependable – Same Carrier since 1998!
• Same MGU since 1998!
• Same Carrier / EPIC & EEI / No holes in coverage!

• Enhanced Plan Designs – up to $2,000,000 CSL
• Duty to Defend outside Policy Limits
• Deductible choices from $1,000 to $500,000

• Excess limits - $1,000,000 to $5,000,000
• Duty to Defend outside Policy Limits
• Same Carrier / No holes in coverage

• Protection for Owner/Operators Contracted with a Motor Carrier
• 1-25 Lives
• Accident Medical Expense from $300,000 to $2,000,000
• Four Plans to choose from
• Contingent Liability for 10+ lives

• Competitive Rates

Need additional CE HOURS? See our web site for 360 TRAINING! Work from home at your own pace!

ECA Continues to provide quality service to our agents. Excellent Claims Administration from
(FAS) Freeman Administrative Solutions, Inc. Experienced Management Team & adjustors!

For more information about our competitive underwriting, rates, and quality
service, please contact your General Agent, Agent, or ECA direct.