September 25, 2007
 
Chris Smith

Florida Insurance Consultants
510 N. Sunset Drive
Monticello, FL, 32344

Re: Letter of Recommendation

Dear Chris:
 
I would like to take a moment to thank you for your service to our organization. Since taking over our Worker's Compensation, you have made a significant difference in our approach and how we manage it. This in turn has allowed us to save money that we would not have saved and allowed us to get dividends that we have never gotten before.

Prior to your assistance, we had a poor loss history that was causing our annual cost to go up and specifically in  the year you took over our Experience Mod peaked at a 1.46. Since taking over, you have helped us to get a claims Management Process in place to deal with claims in the best way possible and you have steadily helped us reduce the Mod. You have also provided plans that have allowed us to get dividends back each year. These dividends have totaled more than $21,000 with potential additional savings on the current policy of more than $30,000.

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July 30, 2007

Florida Insurance Consultants
510 N.  Sunset Drive
Monticello, FL. 32344

Dear Chris,

Our company would like to take a minute to “thank you' for all that Florida Insurance Consultants have contributed to our business. Chris Smith has been an imperative role in financially aiding this company through his gifted approach .to Worker's Comp insurance.
It is extremely refreshing to receive such merited expertise through the everyday challenges that a business owner faces. We truly believe that Florida Insurance Consultants would successfully help any business lower workers’ comp cost and premiums to employers due to their unsurpassed knowledge of Workers' Comp insurance,

Before we became partners with Florida insurance Consultants, our company was paying 24% of our payroll for Worker's Comp. With the help of Chris, we initially lowered that rate to 6% and are currently at an all-time low of 6%. Thanks to Chris's assistance in reviewing our most recent audit, our company continues to save, We are confident in recommending Florida Insurance Consultants because we truly believe there is no better Workers Comp agency in Florida.

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 May 24, 2007 

Monticello, FL 32344

Dear Tom,

Just wanted to say “thank you” for being our insurance agent these past 15 years.  You are never more than a phone call away and the service you have given to us has always been excellent.  Your attention in helping us with a classification dispute and the Retro Plan has saved us over $165,000!  We are very grateful to you and Florida Insurance Consultants for your help through the years.  We look forward to many more years of working with you.

SincerelyGuy Tatum, Jr.

President
Tatum & Associates, Inc.
Mariana, Florida
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May 2, 2007

To Whom It May Concern:

We have carried our workmen’s compensation insurance with Florida Insurance Consultants since 1991.  From our experience with prior carriers, we have seen a tremendous increase in professionalism.  These folks are in it for the long haul.  Not only current needs area managed, but structuring for the future is made a priority.

In the period from 1991 to present, the number of employees has ranged from a low of 70 to a high of 110.  The net effect of Florida Insurance Consultants efforts has added hundreds of thousands of dollars to our bottom line.

It is with full confidence that I recommend them to my friends.

Sincerely,

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April 30, 2007 

RE: Thank You

Dear Tom,

It’s hard to believe that we are entering our 20th year with Florida Insurance Consultants!  There have been many bumps in the road, but one thing has been evident over the years and that has been your dedication to saving us money!  Your service and personal attention to our needs has been above and beyond what we expected.

When we got on the Retro Plan, we were able to increase our Safety Rewards program, which our employees benefit directly.  The Retro Plan has allowed us to get back almost $70,000.00 over an eight year period!  This has been a big boost, especially at the end of the year.

We have never had a Worker’s Comp Agent who has worked as hard for our company as you and your staff.  Not only do we have a great agent, but a good friend who we know is looking out for our best interests.  We look forward to many years of your continued service and friendship.

Yours truly,

May 24, 2007

Dear Chris:

I wanted to take a minute and say “thank you” for your service to our agency. As our agent for the past three years, you have distinguished yourself by the excellent job you have done on our behalf. Your counsel and support is welcome relief to the challenges I face as an executive of a not-for-profit, especially in the area of Workers’ Compensation insurance.

You have provided cost saving strategies and guided us through confusing Workers’ Comp issues. I believe the special plan option you recommended for the 2007-2008 coverage year will be of particular benefit. We had never received money back on our insurance plan until you came along, but in the time you have worked with us, we have received dividend checks totaling $11,875.15.

Thanks again for all the services you have provided and your availability and quick response to any of our questions or concerns. I look forward to many successful years ahead.

Sincerely,

Phillip HallExecutive Director / C.E.O
LEON ARC
Tallahassee, Florida
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May 11, 2007

Florida Insurance Consultants
510 N. Sunset Drive
Monticello, FL 32344

To Whom It May Concern:

We have been associated with Florida Insurance Consultants for 15 years and have always found them to be very helpful and always looking out for our best interest in regards to our Worker’s Comp coverage.

We were one of the first recipients of the Retro Dividend Program offered through the carrier they placed us with. Each year, we look forward to our retro dividend with excitement when Tom Folsom calls and says he is coming with our refund for the year. In fact, our dividend covers the previous three years.

Tom has always been very helpful when we have questions about our Worker’s Comp coverage. He is always willing to guide us through any claims we may have and offers suggestions in regard to the correct path to take.

I would enthusiastically recommend Florida Insurance Consultants and Tom Folsom to anyone needing Worker’s Comp coverage.

Sincerely,

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To whom it may concern;
 
Since we have moved both of our farms’ workers’ compensation insurance to Florida Insurance Consultants we have been very pleased. They have always presented us with multiple options and explained each one thoroughly. We were then able to choose the option that best suited our needs based on the amount of risk we were willing to take vs. the potential savings in premium offered in those plans. Further more Tommy Folsom has always responded promptly to any questions or problems with our policy.
 
Glen Rucks

Pine Island Dairy, Inc.

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Dear Tommy,

It is always our pleasure to recommend you personally, Tommy, as well as FIC,  to our colleagues in the dairy industry as well as other businesses we deal with.  We look forward to many more years of a successful alliance with FIC.

Very truly yours,

Dear Tommy,
I just wanted to thank Florida Insurance Consultants for all of their hard work and knowledge of the workers’ comp business. I have been with you for over 3 years now, and couldn't be happier with the amount of money you have saved my company. The best part of all of this is the outstanding customer service you give to my whole organization. You’re always a phone call away to answer all of my questions and concerns!! Thanks again!! 

To Whom it may Concern:

To Whom  it may Concern:
 
When we made the switch from our previous workers’ comp agent to Florida Insurance Consultants, we were made aware of other options for our coverage. These options had obvious cost benefits that we would not have been able to capitalize on had we not made the decision to use Tommy Folsom and Florida Insurance Consultants. Tommy has been excellent at explaining details and keeping me up to date on any policy adjustments. More importantly when I talk to Tommy Folsom, I know that I am talking to someone honest and trustworthy.
 
Gerald Rucks
Brighton Dairies, Inc
Okeechobee, Florida
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June 5, 2007

Dear Mr. Smith,

I am writing this letter to thank you on paper for your concern and attention in writing my workers compensation coverage.  Your availability and willingness to help is like found gold.  Going from complete payroll service to carrying my own w/c policy was a seemingly impossible feat.  You, however, have shown me how to maintain a very cost effective w/c policy with minimal extra effort.  I would never have been able to make this step on my own of securing a policy and receiving the subsequent benefits of it.

Thank you for all of your continuing efforts of visiting my office to discuss general business and specific issues of concern and most of all for helping me prepare for audits.

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June 16, 2007

Mr. Thomas L. Folsom, Jr.
Florida Insurance Consultants
510 N. Sunset Dr.
Monticello, FL 32344
Dear Tom:

This letter is being written to thank you for all of the assistance you have given me and our company over the past 12-1/2 years with our Workers Compensation Insurance needs. You have provided us with excellent, continuing coverage as well as a very competitive and rewarding retro plan, enabling us to save almost 1/3 of our premiums in return premiums and adjustments based on our experience, as well as dividends and other savings.

Over the past 12 years, we have paid in excess of $323,000 in premiums; however, we have received over $102,000 in refunds and adjustments, resulting in a 31.6% savings. This excellent program enables us to compete in a very competitive market with top notch coverage and invaluable service.

You have also been most helpful in assisting us with the various annual audits which are required for the workers compensation policies and have saved us many hours and dollars in this connection. I would highly recommend your company to anyone in business who needs reliable and dependable insurance coverage at competitive rates, and particularly those who need assistance in applying the correct classifications for their workers to result in the most appropriate rates for their policies.

It has been a pleasure doing business with you and we look forward to many more years of your excellent service.

Sincerely,

Ben Withers, Inc.
Ben Withers, President
Click here to see original

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  June 20, 2007

Mr. Tom Folsom
Florida Insurance Consultants
510 North Sunset
Monticello, FL 32344
Dear Tom,

Since we began doing business with you and Florida Insurance Consultants, our company has received adjustments and returns of over $250,000, and we are still due dividends for the last couple of years! These savings do not include the overall reductions in premiums you have helped us realize with your monitoring of our job classification premium rates. It is rare to see a person who knows his product in the insurance marketplace any more. This is one of your strong points, product and industry knowledge. I appreciate the fact that if you don’t have an immediate answer, you are able to get the necessary information to solve a problem and get back to me in a very timely manner. As a result of your service, and the products you represent, I do not worry at all about our workman’s compensation insurance. Because I don’t have to micro-manage this necessary evil, I am able to concentrate on the many other needs that arise in today’s business world. It is a pleasure doing business with you and your company.

Sincerely,