As with anything that appears too be to good to be true, there are some very stringent underwriting rules that must be met:

• Experience Modification Rate of less than one point one (1.1).

• Three year average loss ratio of less than 65%.

• Annual premium of over $5,000 per year.

• Reviewed financial statements if annual premium less than $250,000.

• Audited financial statements if annual premium over $250,000.

• Pre-admission risk assessment

• Member of MCA