• Agency will review your operations as you request or at least Time Frame to determine
  any changes in exposures, claim activity or servicing needs.
• All service personnel will return telephone calls within the same day they are received.
• Audits will be reviewed upon receipt. Agency will request that the company complete
  the audit within 90 days of the policy expiration.

CLAIMS MANAGEMENT:

• Workers’ Compensation claims should be reported by the insured to Nicoud's Claims Department with the applicable state required form fully completed. 
• Agency reports all claims to your carrier within 24 hours of receipt.
• Draft authority will be utilized to settle claims “in house” whenever possible.
• Agency will monitor the settling and reserving of claims and keep you advised of any major changes in reserves.
• Agency will maintain open and frequent communication regarding the status of the open claims.
• Loss runs will be reviewed at your request on a monthly, quarterly or semi-annual basis.
• Agency will review your Workers’ Compensation Experience Modification (where applicable) for accuracy on an annual basis.
  If a claim is of an urgent nature for which you need immediate assistance and occurs outside of normal business hours, please call 217-899-4764. 

RENEWAL PROCEDURES:

• Agency will begin reviewing your policy renewal with the appropriate insurance carriers 60-90 days prior to your policy expiration.
• Agency will provide a renewal proposal and premium quotation prior to your policy expiration.

YOUR DUTIES AND RESPONSIBILITIES:

• Timely payment of all premiums.
• Audit premiums are payable upon receipt.
• Timely reporting of all claims.
• Prompt notification of any material changes or additions to your operations.
• Compliance and/or written response to loss control recommendations.