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DocuSign Envelope ID:4E43C797-33A3-4C29-9D23-96EA82AC437C <br /> Senn Dunn Insurance <br /> Son w-Dunn 3G25 Naith Elan Stroel,Green sboio.K Z7r155 <br /> n N C C PD(lox 9375,Greensboro,NC 1. 42'.0375 <br /> l N S U It <br /> 1 336 272 7 16 1 <br /> 1 FCO 598 7161 <br /> March 6, 2015 Far>I 3363I6 1397 <br /> e„u,senndunn,eotn <br /> Raven Broel<er <br /> BIRS, Inc. <br /> 207 Robbins Street <br /> Greensboro, NO 27406 <br /> Dear Raven: <br /> As we discussed, your 2014 Workers Compensation EMR contains two claims that <br /> distort your jobsite safety performance. Adjusting for these claims lowers your EMR to <br /> approximately 1.11, <br /> Many of your clients use the mod factor to assess the safety performance of a <br /> contractor. While your clients are primarily concerned about jobsite safety, the mod <br /> includes all claims regardless of where the accident occurs, Therefore it makes sense <br /> fora client to evaluate the claims comprising the mod factor. BIRS's jobsite safety <br /> record is far superior to your stated mod factor. <br /> Your stated EMR of '1,30 is being severely impacted by 2 claims that are increasing <br /> your mod, but don't reflect your jobsite safety performance; <br /> o , in 2010, an employee was rear ended in an automobile accident. This claim is <br /> increasing your mod by 9 points. <br /> D in 2012, an employee was diagnosed with a hernia. Hernia claims typically <br /> total $25,000. However, due to medical mistakes, this claim now totals <br /> approximately $76,657. If we adjust this claim to the normal amount for a <br /> hernia, your mad would be reduced by 10 points, <br /> SIRS'commitment to safety is supported by several other factors; <br /> e BIRS conducts regular safety meetings with its employees, <br /> ® Your Workers Compensation Carrier recently conducted an inspection and <br /> deemed your safety practices as excellent. <br /> BIBS participates in IS Networld, which is a safety related organization. <br /> Please let me know if I can provide any additional assistance, <br /> Sit ee e y, � <br /> David R. Clem <br /> Account Executive <br /> 336 346-1342 <br /> } MARSH&McLENNAN <br /> . AGUNICY <br />