BEST IN TOW PROGRAM GUIDELINES
National Interstate Insurance Company & TowCap Premier Captive Insurance Program is proud to sponsor the Best in Tow Program, offered to recognize towing and recovery specialists who achieve best-in-class safety performance. The loss evaluation period will be from June 30, 2023 – June 30, 2024, and all submissions must be received by National Interstate by August 31, 2024. Awards will be announced at the International Towing and Recovery Hall of Fame and Museum Annual Member Meeting. To be eligible, towing and recovery specialists must have at least fifteen (15) power units*, and must be members of the International Towing Museum. *Power units are defined as tractors and commercial trucks. Trailers and private passenger vehicles are not included in the count. EARNING POINTS Participants can earn points in seven categories: 1. Auto Liability Claims Frequency 2. Auto Liability Claims Reporting Time 3. Auto Liability Claims Severity 4. Workers’ Compensation Claims Frequency 5. Workers’ Compensation Claims Reporting Time 6. Workers’ Compensation Experience Modification Factor 7. Best Practices Utilization A maximum of 10,000 points can be earned during the program period, and points will be calculated on a cumulative basis at the end of the program period. 1. AUTO LIABILITY CLAIMS FREQUENCY Auto liability claims frequency will be measured as a percentage of claims occurring to insured power units during the loss evaluation period from 6/30/23-6/30/24. For example, if you have 25 power units with 10 auto liability claims, your claims frequency will be: 10 claims occurrences divided by 25 power units = 40% An incident will be defined as one claim occurrence regardless of the number of claimants or injury types resulting from that incident. Please note that claims valued under $100 will not be included in this calculation. Points are earned as follows: Frequency Points Earned 0.0% - 2.5% 1,000 2.6% - 4.0% 750 4.1% - 6.0% 500 6.1% - 10% 250 >10.1% 0
BEST IN TOW PROGRAM GUIDELINES
2. AUTO LIABILITY CLAIMS REPORTING TIME Auto liability claims reporting time will be measured by comparing the claims reporting date to the occurrence date for claims occurring during the loss evaluation period from 6/30/23 - 6/30/24. The best practice is to report claims directly to your carrier no later than 24 hours after an occurrence. Please note that claims valued under $100 will not be included in this calculation. In addition, if there is no AL claim activity, you will automatically be awarded 1,000 points. Points are earned as follows: Claims Reported Within 24 Hours of Occurrence Points Earned 75.0%+ 1,000 70.0% - 74.9% 750 65.0% - 69.9% 500 60.0% - 64.9% 250 59.9% or less 0 3. AUTO LIABILITY CLAIMS SEVERITY This category measures large loss experience during the loss evaluation period (6/30/23 - 6/30/24) and begins with each customer being provided with 1,000 points and deductions made per claim using gross incurred dollars as specified below. For example, if you have a claim valued at $500,000, and another claim valued at $100,000, your overall point deduction will be as follows: Two claim occurrences valued at $500,000 & $100,000 = 600 points deducted. A claim will be defined as one claim occurrence regardless of the number of claimants or injury types resulting from that
incident. Please note that claims valued under $100 will not be included in this calculation. Points are deducted from an initial starting amount of 1,000 points for this category as follows: Severity Points Deducted $50,000 - $99,999 50 Points Deducted $100,000 - $249,999 100 Points Deducted $250,000 - $499,999 250 Points Deducted $500,000 - $999,999 500 Points Deducted > $1M Disqualified
*NOTE: The maximum amount that may be deducted from this category is 1,000 points. Thus, once the total number of large loss claims results in a deduction of at least 1,000 points only 1,000 points will be deducted, no further point deductions will be incurred for this category, and any deductions over 1,000 will be absolved so as not to further negatively impact your overall score. If at any time prior to the end of the contest period, you incur a claim that is $1 million or greater in gross incurred claims dollars, you will automatically be disqualified from the contest. National Interstate may evaluate gross incurred claims dollars for claims occurring during the loss evaluation period (6/30/2023 - 6/30/2024).
BEST IN TOW PROGRAM GUIDELINES
4. WORKERS’ COMPENSATION CLAIMS FREQUENCY Workers’ Compensation claims frequency will be measured as a percentage of claims occurring to $1M payroll during the loss evaluation period from 6/30/23-6/30/24. For example, if you have $2M payroll with 6 workers’ compensation claims, your claims frequency will be: 6 occurrences divided by $2M = 3% Please note that claims valued under $100 will not be included in this calculation. Points are earned as follows: Frequency Points Earned 0.0% - 0.5% 1,000 0.6% - 1.0% 750 1.1% - 1.5% 500 1.6% - 2.0% 250 >2.1% 0 5. WORKERS’ COMPENSATION CLAIMS REPORTING TIME Workers’ Compensation claims reporting time will be measured by comparing the claims reporting date to the occurrence date for claims occurring during the loss evaluation period from 6/30/23 - 6/30/24. The best practice is to report claims directly to your carrier no later than 24 hours after the occurrence. Please note that claims valued under $100 will not be included in this calculation. In addition, if there is no workers’ compensation claim activity, you will automatically be awarded 1,000 points. Points are earned as follows:
Claims Reported Within 24 hours of Occurrence
Points Earned
75.0%+
1,000
70.0% - 74.9% 65.0% - 69.9% 60.0% - 64.9%
750 500 250
> $1M
Disqualified
6. WORKERS’ COMPENSATION EXPERIENCE MODIFICATION (E-MOD) FACTOR One of the most important pieces of your workers’ compensation program is your company’s Experience Modification (e-Mod) factor. Submit a copy of your current e-Mod worksheet as of 6/30/2024 and earn points. e-Mod Factor Points Earned < 0.75 1,000 0.76 - 1.00 750 1.01 - 1.25 500 1.26 - 1.5 250 > 1.51 0
BEST IN TOW PROGRAM GUIDELINES
7. BEST PRACTICE UTILIZATION Subcategories — (Participants' actions to be performed within Program Period)
Points Earned
A. Defensive Driver Program Maintain a Training Log to indicate at least 75 percent of your company drivers have taken defensive driver training. The defensive driver program must include a combination of behind the wheel and classroom training. NOTE: Any defensive driving training program is acceptable. Supply your Training Log as your documentation of training and you’ll get the points! B. Automated Event Recorders Camera technology is designed to monitor driver and passenger behaviors, identify unsafe driving habits, and correct those unsafe habits before they can turn into serious accidents. Provide evidence that at least 80 percent of company-owned and/or leased vehicles have dual facing AERs installed, and you will get the points! C. Towing & Recovery Industry Certification Provide evidence that at least 75 percent of your operators are certified by an accredited program, and you will get the points! Examples might include: Wreckmaster, TIMS, In Person SSTA Ultra Heavy Duty Training. D. Return to Work Program Verification that you have a formal, ‘Return-To-Work’ program in place. Participant must send their program details to earn the points. E. Monthly Safety/Claims Prevention Meeting Documentation that a safety and/or claims prevention meeting is conducted monthly. To receive points, the content must address a specific safety component (for example, preventing backing incidents, heat stress or vehicle inspection procedures.). To receive points, supply the monthly topics discussed and copies of two attendance logs during the evaluation period. F. Safety Incentive Program Evidence that you have a structured and consistent method of rewarding employees who get involved, identify potential hazards, make suggestions, and participate in creating positive change regarding workplace safety. Your program may be participation based (rewarding employees for actively participating in your safety program) or a combination of activity and result based (rewarding employees for a reduction of accidents/injuries). Upon receipt of evidence demonstrating an in-force safety incentive program, you’ll get the points! G. Wellness Program Evidence that you have a program to positively influence the physical health, mental health, and overall well-being of your employees. Common activities in a wellness program include: a company-sponsored exercise program, sleep apnea screening, subsidized gym memberships, education seminars, a smoking and tobacco cessation program, health screenings, and a weight-loss program. Your program may be self-managed, or you may work in conjunction with a third-party vendor or health insurance carrier. Upon receipt of evidence demonstrating an in-force wellness program, you’ll get the points!
1000 points
1000 points
500 points
500 points
500 points
250 points
250 points
BEST IN TOW PROGRAM GUIDELINES
SUBMISSIONS & DUE DATE Complete submissions must be received no later than August 31, 2024, to BestInTow@natl.com . A complete submission includes the following: • Most recent company-issued Auto and Workers' Compensation Loss Runs, inclusive of the loss evaluation period from 6/30/2023-6/30/2024, valued no earlier than 7/1/2024. • Loss runs must include loss date, date reported to company, and total incurred loss amount. • Total Payroll during 6/30/23 – 6/30/24. • Documentation for all applicable best practice subcategories as described in Section 7 of the program guidelines. • Completed Best in Tow Program Application.
AWARD AMOUNTS Based on the highest cumulative points earned for all categories, the top 3 best-in-class towing & recovery specialists will be awarded at the 2024 International Towing Museum Weekend following the end of the program period.
• First place will receive $10,000 • Second place will receive $5,000 • Third will receive $2,500
Additionally, TowCap Premier membership will contribute to the International Towing & Recovery Survivor Fund. NOTE: The first-place winner of the most recent Best in Tow Program is ineligible to receive first place for the 2023-2024 Best in Tow Program; however, the prior first-place winner is eligible for the second or third place award. If there is a tie, the awards will be split amongst the winning participants. National Interstate reserves the right to modify the terms of the program at any time. The inability to verify information based on documentation provided within the initial submission may result in no points being awarded or disqualification. If you have any questions on the Best in Tow Program, please contact us at: BestInTow@natl.com.
National Interstate is a member of Great American Insurance Group. Captives involve a risk of loss. Refer to captive program agreements for a full description of captive programs. Coverage is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. Coverage is subject to underwriting. Policies are underwritten by National Interstate Insurance Company and Vanliner Insurance Company, authorized insurers in all 50 states and D.C.; National Interstate Insurance Company of Hawaii, Inc., an authorized insurer in HI, MI, NJ, and OH; and Triumphe Casualty Company, an authorized insurer in all 50 states and D.C. except in NY and WY. © 2024 National Interstate Insurance Company. All rights reserved. 5712-NIS (07/24)
BEST IN TOW PROGRAM APPLICATION Evaluation Period: June 30, 2023 - June 30, 2024 Submissions must be received by August 31, 2024
APPLICANT INFORMATION Business Name _________________________________________ Owner Name___________________________________________
DBA_ ______________________________________ DOT #_ ____________________________________
Principal Contact________________________________________ MC #_ _____________________________________ Address_____________________________________________________________________________________________ Phone Number__________________________________________ Agency _ ___________________________________ VEHICLES Total Number of Units __________________________________________________________________________________ Fleet Breakdown: _________ Extra Heavy _________Heavy _________ Mediums _ ________ Lights _ _______ PPTs DRIVERS Number of Drivers (as of 6/30/24) _ _______________________________________________________________________ WORKERS’ COMPENSATION Total Annualized Payroll _ _______________________________________________________________________________ Current e-Mod________________________________________________________________________________________
QUESTIONAIRRE
Yes
No
1. Are you a member of the Towing & Recovery Hall of Fame? a. If Yes, please describe your involvement:
o o
2. Does your organization currently have a safety program in place? a. If Yes, please describe:
o o
The undersigned authorized representative of Applicant declares that the information set forth in this application is true and accurate to the best of their knowledge. The Applicant understands and agrees that if the information submitted on this application changes between the date of submission and August 31, 2024, Applicant will notify National Interstate Insurance Company (“National Interstate”) immediately of such changes. If it is determined that any information submitted is false, misleading, or inaccurate, National Interstate reserves the right to disqualify Applicant from eligibility in receiving an award under the Best in Tow Program.
Signature ____________________________________________ Name ________________________________________ Title _ ____________________________
See official program rules on the following page.
National Interstate Insurance Company’s TowCap Premier SM Alternative Risk Program & International Towing & Recovery Hall of Fame & Museum®
THE BEST IN TOW PROGRAM RULES The following rules apply for qualifying applicants in the National Interstate Insurance Company (“National Interstate”) TowCap Premier Alternative Risk Program and the International Towing & Recovery Hall of Fame & Museum’s (“Hall of Fame”) Best in Tow Program and safety contest (the “Program”). ELIGIBILITY: The Program is open to U.S.-based (excluding U.S. territories) towing and recovery specialist operators (“Applicants”) who have at least fifteen (15) power units. An Applicant need not be insured by National Interstate to participate in or be eligible for the awards under this Program. DURATION: The Program will consider Applicants’ safety and commercial auto liability loss results for the period of June 30, 2023 – June 30, 2024 (the “Loss Evaluation Period”). Complete submissions must be received by National Interstate Insurance Company (“National Interstate”) no later than August 31, 2024 (the “submission cut-off date”). DETERMINATION OF WINNERS: All Applicants must submit the following prior to the submission cut-off date: (i) insurance company-issued auto liability loss runs, inclusive of the Loss Evaluation Period assessed no earlier than July 1, 2024. Loss runs must include loss date, date loss reported to the insurance company, and total incurred loss amount; and (ii) documentation for all applicable best practice subcategories as described in Section 4 of the Program Guidelines. National Interstate shall calculate Applicants’ points based on each category and subcategory and corresponding points earned as listed in the Program Guidelines. AWARDS AND CONSUMER DISCLOSURE: As determined based on the cumulative points earned by Applicants, awards will be given to the three (3) highest scoring best-in-class towing and recovery specialist operators and awarded at the 2024 International Towing Museum Weekend. The highest scoring Applicant will receive $10,000; the second-highest scoring Applicant with receive $5,000; and the third-highest scoring Applicant will receive $2,500. In the event of a tie, the awards will be split among the winning Applicants. For example, if two (2) or more Applicants tie for second place, the amounts for second and third place will be added together and split among the Applicants tying for second place and no separate third place award will be made. TowCap Premier membership will contribute to the International Towing & Recovery Survivor Fund. By accepting an award, the Applicant agrees to release National Interstate and the Hall of Fame and their respective officers, directors, employees, and agents from any and all liability, loss, or damage of any kind arising out of or in connection with Applicant’s participation in the Program, or with respect to the awarding, receipt, possession, use, and/or misuse of the award, or the participation in prize-related activities. By accepting an award, the Applicant further agrees that National Interstate and the Hall of Fame & Museum are not responsible or liable for any warranty, representation, or guarantee, express or implied in fact or in law, relating to the award, or any portion thereof, including but not limited to its quality, merchantability, mechanical condition, or fitness for a particular purpose. Award recipients will be responsible for all federal, state, and local taxes, and any other expenses associated with acceptance of the award. The award is provided by National Interstate Insurance Company, having its headquarters at 3250 Interstate Drive, Richfield, OH 44286. LICENSE GRANT: Any Applicant who provides information (“Applicant Generated Content”) in response to this Program grants National Interstate a non-exclusive, worldwide, royalty-free, irrevocable, and perpetual license to use, edit, modify, aggregate, reproduce, distribute, display, and prepare derivative works of Applicant Generated Content in any form or format and unconditionally waives all moral rights with respect to such Applicant Generated Content. For the avoidance of doubt, the license granted allows National Interstate to use such Applicant Generated Content for commercial purposes such as, without limitation, advertising campaigns and Applicant shall not be entitled to any remuneration for such use. Award acceptance constitutes permission (except where prohibited) to use winner’s name and likeness for publicity purposes without additional compensation and winner agrees to sign a Publicity Release (except where prohibited) provided by National Interstate as a condition to accepting award. OFFSET: Any Applicant to receive an award agrees that any award amount may be offset against monies owed to National Interstate, its affiliates, or the Hall of Fame. INELIGIBLITY: As set forth in Section 3 of the Program Guidelines, any Applicant that incurs an auto liability or workers’ compensation claim of greater than $1 million during the Loss Evaluation Period will be automatically disqualified from the Program and ineligible to receive an award. An Applicant whose insurance has been mid-term cancelled or non-renewed by National Interstate is ineligible to participate in the Program. OTHER: National Interstate and the Hall of Fame & Museum reserve the right to interpret these rules and, if necessary, to amend the rules in their discretion and without notice to Applicants. All decisions are final. NOTE: The first-place winner of the most recent Best in Tow Program is ineligible to receive first place for the current Best in Tow Program; however, the prior first-place winner is eligible for the second or third place award. If there is a tie, the awards will be split amongst the winning participants. National Interstate reserves the right to modify the terms of the program at any time.
If you have any questions or would like additional information, please contact National Interstate at bestintow@natl.com
1 Power units are defined as self-propelled tractors and commercial trucks. Trailers and private passenger vehicles are not included in the count. National Interstate is a member of Great American Insurance Group. © 2024 National Interstate Insurance Company, 3250, Interstate Drive, Richfield, OH 44286. All rights reserved. International Towing & Recovery Hall of Fame & Museum® is a registered trademark of The International Towing and Recovery Hall of Fame and Museum Corporation. 5744-NIS (07/24)
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