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Texas Non-Subscription

Wellington Financial Services, Inc. is part of an organization that has been servicing the needs of the independent agents of Texas since 1988. The company has extensive experience managing programs on behalf of leading insurers and reinsurers. Wellington is very pleased to have been selected to manage First Mercury Insurance Company’s newly-enhanced program for Texas Non-Subscribers. First Mercury has an A.M. Best rating of A- (Excellent) and A.M. Best has assigned First Mercury the Financial Size Category of VIII.

The First Mercury program for Non-Subscribers is available to qualified producers on-line. Four different products are offered and each is designed to serve a specific market segment. A wide range of self-insured retentions and deductibles are offered.

One product offered is a unique insurance policy for small to medium-sized employers: the Primary Employer’s Advantage Policy with a Medical Expense Deductible. The policy provides employer’s liability insurance and it reimburses or indemnifies an employer’s benefit obligations under an Occupational Injury Benefit Plan (ERISA Plan). The deductibles offered range from $1,000 to $25,000. All claims are handled from the first dollar by Wellington Financial Services’ experienced claims personnel. An employer insured under the Primary Employer’s Advantage Policy (Ded) can have peace of mind knowing he or she will not have a deductible for any coverage other than Medical Expense. Wellington will handle all claims from the first dollar and the employer’s only obligation beyond the first notice of claim is to pay the medical expenses within the deductible after the medical expenses are approved and re-priced by Wellington.

Non-Subscribers Product Coverage Comparison
	Accident Safeguard	Occupational Safeguard	Primary Employer’s Advantage
			DED	SIR
Combined Single Limits	$250,000 per Occ $500,000 per Occ $1,000,000 per Occ	$250,000 per Occ $500,000 per Occ $1,000,000 per Occ	$250,000 per Person/Occ $500,000 per Person/Occ $1,000,000 per Person/Occ
Occurrence Limits	Combined Single Limit	Combined Single Limit	3 × Combined Single Limit, Per Person
Annual Aggregate	10 × Combined Single Limit	10 × Combined Single Limit	10 × Combined Single Limit, Per Person
Coverage Features
Accidental Death & Dismemberment	Included	Included	Included	Included
Medical Expense	Included	Included	Included	Included
Weekly Indemnity (Maximum Wage)	$500/week $600/week $700/week	same	same	same
Limited Employer’s Liability	Not Available	Included	Included	Included
Sunset Clause	180 days	180 days	24 months	24 months
Principal Sum	Not Applicable	Not Applicable	25% of Combined Single Limit, Per Person
Benefit Period	12 months 24 months 36 months	same	same	same
Elimination Period	0 days 7 days 14 days	same	same	same
Occupational Disease & Cumulative Trauma	Included	Included	Included	Included
Self-Insured Retention (Each Occurrence)	$1,000 $2,500 $5,000 $10,000 $25,000 $50,000	$1,000 $2,500 $5,000 $10,000 $25,000 $50,000	Not Available (Medical Expense Deductible Applies)	$25,000 $50,000 $100,000
Medical Expense Deductible	Not Available (SIR Applies)	Not Available (SIR Applies)	$1,000 $2,500 $5,000 $10,000 $25,000	Not Available (SIR Applies)

Important Features — Accident Safeguard and Occupational Safeguard Policies:

• Alternative Dispute Resolution Programs are mandatory and available at no charge. An employer’s existing dispute resolution program is acceptable subject to the insurance company’s prior approval.

Important Features — Primary Employer’s Advantage Policies:

• Employee Occupational Injury Benefit Plans (ERISA Plans) are mandatory and available at no charge. An employer’s existing Plan is acceptable subject to the insurance company’s prior approval.
• Alternative Dispute Resolution Programs are optional and available at no charge. An employer’s existing dispute resolution program is acceptable subject to the insurance company’s prior approval.

Important Features — All Policy Types with Employer’s Liability:

• The Self-Insured Retention or Deductible does not reduce the Limit of Liability
• Legal Defense costs do not reduce the Limit of Liability
• The insurance company has the Duty to Defend any covered suit regardless of the size of the Self-Insured Retention or the size of the Deductible.
• Bodily Injury Damages include Punitive or Exemplary Damages.

Please note: All items described are subject to the limitations, conditions and exclusions of the actual policy forms in which they are contained. Please refer to those forms for details. For complete listing and description of all coverages and limits, please consult the underwriting guidelines or contact a Wellington Underwriter at (800) 880-0474 ext. 2902.