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RMMI Rewarded for Safety

Words: Ann WolterMembers of the Rocky Mountain Masonry Institute’s Workers Compensation program will share in a group dividend of $106,764.

The nonprofit trade association’s Workers Comp group earned the sizeable dividend by having a strong commitment to safety and an active safety committee. Members of the group attend quarterly safety meetings and receive a number of complimentary services from Pinnacol Assurance.

To be eligible for the group dividend plan, companies in the masonry industry must be members in good standing of the Rocky Mountain Masonry Institute, be insured with Pinnacol Assurance, attend two safety meetings annually and agree to implement steps from Pinnacol Assurance’s six-step safety program. The group had an annual premium of more than $1,243,000 during the July 1, 2007, to July 1, 2008, policy period for which the dividend was issued.

By combining the individual premium of group dividend members, a larger premium is established, allowing Pinnacol Assurance to reduce costs and return dividends to members based on loss histories. The dividend payment will be split among the 28 members of the group, based on individual loss rations for each member company. Each member’s premium is based on his individual loss experience. Members with few claims receive a greater portion of the dividend, while those with a number of claims receive little or no portion of the dividend.
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