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Employers Direct Insurance Company is the first start-up California workers' compensation specialist to be licensed by the California Department of Insurance in more than a decade. Our license can be attributed to:The strength of our management team and their track record of success spanning more than 30 years in the California workers' compensation arena The viability of our service-oriented business plan The quality and financial strength of our investor group and reinsurance partners The experience and commitment of our Board Members - four are current or former CEO's of successful insurance companies Employers Direct Insurance Company began insuring California businesses on January 1, 2003, supported by more than $50,000,000 of unencumbered policyholders' surplus. Our financial strength is enhanced by the absence of prior years' claims - there are no old claims that would impact the premium savings offered to policyholders. Through the use of proven, service-focused programs in claims management and loss control, we expect our policyholder partners to achieve long-term reductions in up-front insurance premium expense. The reduction of your experience modification is the only practical way to reduce the cost of workers' compensation, and Employers Direct Insurance Company is committed to partnering with its policyholder customers to achieve that goal.