LTCompSolutions is a risk management and workers compensation solution built specifically for the Professtional Employer Organization (PEO) and Staffing Firm to participate in a financially sound underwriting facility that will benefit Co-Employer and Employee contracting firms. Product Highlights - Reinsurer can pay underwriting profit to PEO & SF based on performance - Guaranteed Premium Policy issuance so co-employers are not taking on risk of deductible programs - Can write in all states - Strong Risk Management component (Client must qualify to participate in program)

1. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
Long Term COMPSOLUTIONS®
A LONG TERM WORKERS’
COMPENSATION SOLUTION FOR
COMPENSATION SOLUTION FOR
PEO’s AND STAFFING FIRMS

2. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
LTCOMPSOLUTIONS®
LTCOMPSOLUTIONS® (LTCS) is a risk management and workers
(LTCS) is a risk management and workers
compensation policy placement product built specifically for the
PEO and Staffing Firm (SF) to participate in a stable underwriting
facility that will provide financial benefits back to the firm on better
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than industry loss results.

3. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
LOSS CONTROL IS THE KEY TO SUCCESS IN WORKERS COMPENSATION
• Payroll and Taxes are constant and cannot reflect good management or safe
operations.
• The variable expenses are employee benefits and workers’ compensation.
• Focus on loss control and claims management within the workers compensation
expense component is a key to minimizing expenses.
• LTCS’
LTCS’s success is based on managing workers compensation losses through the
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diligence of working with PEOs & SFs to make a safer and more cost effective
workplace.
• The program has been built for like‐minded firms to join the program and is
The program has been built for like minded firms to join the program and is
competitively priced.

4. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
BE A PARNTER IN A LONG TERM COMPENSATION SOLUTION
• LTCS’s program backbone provides services and policy structure that has not been
available until now.
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•Underwriting protocols and contract compliance enhance better than industry
performance
• PEO & SF operators must have a H.R. specialist and a work comp. administrator
on staff to qualify.
• Risk Management component
o Premium billing per pay period through EFT.
o PEO & SF participates through the reinsurance vehicle.
o Reinsurer can pay underwriting profit to PEO & SF based on performance

5. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
BE A PARTNER– CONT D
BE A PARTNER CONT’D
o Program Service Menu include:
‐ site inspections
‐ worksite loss control services
‐ worksite safety services online and print
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‐ loss mitigation
‐ claims management
‐ communication & online reporting
‐ risk management team building

6. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
RISK ASSESSMENT, SITE SAFETY, COMPLIANCE & INVESTIGATION PARTNER
TO ENHANCE YOUR POSITION WITH YOUR CLIENT EMPLOYERS.
• A risk analysis and implementation of recommendations by LTCS’s Supervisor
Awareness Training (S.A.T.) is required for approval of a co‐employment agreement.
• Utilizing the S.A.T risk management protocols, clients will be able to manage costs
which results in major savings in their Workers Compensation premiums because
which results in major savings in their Workers' Compensation premiums because
they are intimately involved in the management of these costs.
• Once a client is approved, the S.A.T risk management protocols are structured
into the program and the client does not incur any additional expense.

7. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
PREMIUM REDUCTIONS OVER TIME THROUGH
• Positive claim management practices
• Workplace safety programs with documentation
• Employee safety awareness increased online and onsite
• Loss prevention awareness online and at site
• Claim value reduction through return‐to‐work programs
• Litigation management through point of service controls
• Positive claim closing and rehabilitation of workers
• Reduction of experience modification working as partners
• Continual Risk Management Participation to enhance your position
with co‐employers.

8. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
PROGRAM HIGHLIGHTS
• XML/HTML based policy management and Human Resource management
• Real time efficiency of claim data via online tracking
• Issuance and distribution of certificates of insurance via online portal
Issuance and distribution of certificates of insurance via online portal
• Issuance of Multiple Coordinated Policies for PEO and single policy for
staffing sharing same collateral
• Guaranteed Premium Policy issuance so co‐employers are not taking on
risk of deductible programs
•Coverage available in all states
• Program designed for non‐public owned middle market accounts
• Interstate, A – rated carrier
• Reinsurance participation can lower overall costs of insurance

9. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
AVANT INSURANCE MANAGERS, INC. (A.I.M)
M.G.A. & MARKETING ARM FOR
LTCompSolutions ®
• A.I.M’s marketing arm identifies potential PEO & SF
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• A.I.M facilitates S.A.T audit and safety programs
• A.I.M underwrites and issues a quote
• Policy can be issued for temp. staffing and PEO under same structure
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•A.I.M issues policy and authorizes PEO to enroll new employers
• Broker representation or internal insurance agency commission negotiable

10. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
P.R.C. CONSULTING – RISK MANAGEMENT ARM OF
LTCompSolutions ®
C S
• P.R.C. performs the S.A.T audit
• P.R.C. will issue an approval or recommendations outline
• If recommendations are outlined, they must be implemented for review
and approval by P.R.C.
• P.R.C. partners with the PEO & SF for continual participation in reducing
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risk through established protocols

11. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
PEO CLIENT & SF PORTFOLIO: INDUSTRY CLASSES OF INTEREST
• Manufacturing: Most light Manufacturing operations. No Steel Mills or
Grinding Operations
• Medical and Health: Home Health Care operations excluded
Medical and Health: Home Health Care operations excluded
• Contracting: Artisan and Commercial Contracting; Hazard Class IV
considered, No General Contractors
• Mercantile: No Pawn Shops or 24 hours Convenience Stores
• H it lit N B di H
Hospitality: No Boarding Houses; must have at least 20 employees
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• Restaurants: No Bars or Taverns; food sales can be no less than 33% of
gross receipts
• Warehousing & Logistics: No Independent Drivers, No Hazardous
Chemicals
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* Exceptions to exclusions are examined on a per client and case basis

12. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
GENERAL UNDERWRITING CRITERIA
• Must have been in business for three years
Must have been in business for three years
• Must have either a Bureau or NCCI loss report for the previous two years
• Experience Modification can be no less than .65 or greater than 1.4
• Losses exceeding $25,000 in current or previous policy periods must have
detailed explanation of loss and what precautions have been put in place to
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prevent another loss
• No lapse in coverage in the last 3 years
• No cancellations for non‐payment
• Height exposure cannot exceed 15ft without certified safety program
• Annual turnover cannot exceed 20% verified by W‐2 report
•Must be a balanced book of clients
• No USL &H
No USL &H
• No “F” Class employees

13. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
BASIC CRITERIA FOR EMPLOYER CLIENTS OF APPROVED PEO’s
• Annual Employee Turn‐over cannot exceed 20%
• Minimum of ten employees in Governing Class
• Governing Class minimum premium of $10,000.
• Formal Written Safety Program
• Acceptable Site Risk Survey
• Return to work/light duty Policy
• Schedule of owned/non‐owned Vehicles
• Radius of Operations
• Fleet Safety Program

14. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
SUBMISSION REQUIREMENTS FOR PEO’s & SF’s $1,000,000 +
• ACORD Application completed and signed
• NCCI ERM‐14 completed and signed
• 3 years currently valued, hard copy loss runs dated within 30 days of
submission
• Description of Operations
• Supplemental Application
• Facility Safety Checklist completed and signed by agent and insured
• Last 3 years Financials either audited or reviewed
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• Resume of Principals and Key Management
• Brochure of Services
• Copy of Client Service Agreement
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• Copy of Client Members’ Health Insurance

15. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
SUBMISSION REQUIREMENTS FOR PEO’s & SF’s $2,000,000 +
ADDITIONAL REQUIREMENTS
• 3‐5 years of audited gross Payroll
• Resume of full time loss control and claim administrator
• ESAC Certification or Certified Workers Compensation Best Practices
Designation
• State License, if state requirement
• Client List including address for each location of operations
• Client List by state, by class code and payroll
• Total losses paid plus reserves cannot exceed 56% of total premium, 3
year average

16. LTCOMPSOLUTIONS® A product developed specifically for PEOs & SFs
LTCompSolutions ®
Avant Insurance Managers Inc
Managers, Inc.
Jesse Gutierrez, Marketing Director
222 N. Sepulveda Blvd
Suite 2175
El Segundo CA. 90245
CA
Tel 310-322-1732
Cell 310-345-2574
Fax 310-322-2361
jgutierrez@avantmanagers.com
jgutierrez@avantmanagers com