Unlike many insurers specializing in program business and/or affiliated with a reinsurer, Everest National and its affiliated companies offer Program Administrators, producers and insureds a full array of services to promote the success of their programs, including claims management; actuarial services; product development; marketing; systems; underwriting; and loss control.

Claims Management

Everest delivers claims service on its primary business either directly or through independent claims adjustment firms whose activities are managed by Everest's claims staff. This permits us to tailor claims service to the needs of the insureds in the various programs. Independent adjustment firms are chosen based on their expertise, the geographic spread of the program and the special needs of the insureds. Members of Everest's staff also handle large or complex claims and assist in product development.

Actuarial

Everest actuaries play an integral part in the product development and maintenance process. Each Everest program receives dedicated actuarial support, including profitability, pricing and rate analyses.

Product Development

At Everest, we consider a product anything that touches a customer. Consequently, product development encompasses coverage, rate plan, underwriting, claims, loss control, and distribution.

Product Development is a continuous process of monitoring the marketplace and responding quickly and efficiently to the evolving needs of customers. We begin by listening to those closest to the market - our Program Administrators and retail agents - and keep a close watch on the national market and the legislative and regulatory environments as they evolve. Ultimately, our goal is to design products that best meet the needs of our Program Administrators and are easy to maintain.

Marketing

Everest's professionals can assist Program Administrators with market, distribution channel, competitor and regulatory/legislative analysis; identification of targeted markets; development of product/service offerings for targeted markets; and analysis of results.

Systems

Program Administrators can use Everest's state-of-the-art systems to perform all rating, quoting and policy issuance from their offices. As part of its commitment to providing quality insurance products at a lower cost, Everest will also provide all of the necessary software and update it regularly.

Underwriting

Unlike some reinsurance carriers with primary companies, Everest's program teams are run and staffed exclusively by experienced primary insurance professionals. Each Everest program can count on service from a dedicated team with extensive experience in underwriting, rating, filing, regulatory compliance, and policy processing for primary insurance programs. Consistent with our thorough underwriting approach, we perform at least two underwriting audits and one operations audit every year on each of our programs.

Loss Control

The overriding goal of our experienced loss control professionals is to produce measurable risk improvement results for our customers. Our success is reflected in consistently high marks from policyholders for the quality and responsiveness of our services. Our services are based on the sound risk management strategies of problem identification, assessment, and control. Once loss sources are identified and prioritized, we establish a mutually agreeable plan of action, which is continually monitored through regular customer contact and management reports. We also offer account coordination services for larger, multi-location policyholders to assure that customer needs are met. Our Loss Control professionals will help assess and design a loss control program that meets the customer's specific business needs. Services that are available include:

• Recommendations
• Loss Control Program Development, Review, and Audit
• Loss Analyses
• Job Hazard Analyses
• Management and Employee Training
• Construction Safety Services
• Industrial Hygiene Evaluations
• Ergonomic Evaluations