The Oregon Contractors Workers' Compensation Trust is administered by Empire Pacific Risk Management, Inc., a fully integrated risk management services company. Its capabilities extend over the complete range of administrative and risk elements normally associated with insurer operations. These include: Marketing and Sales, Agency Management, Underwriting, Loss Prevention, Premium Accounting, Statutory Reporting, Regulatory Compliance, Claims, Treasury Management, Reinsurance and Financial Reporting.

The Company has grown a reputation for excellence and effectiveness. As specialists in the field of self-insured workers' compensation groups, sponsoring associations, trust-member employers, re-insurers and regulators have learned to rely on our word and our performance. Our three major clients whose memberships total nearly 500 employers and $8 million in annual premium enjoy sub 60% developed loss ratios including loss and loss adjustment expense; evidence of setting high standards and living up to them.

Though our duties are dominated by risk management activities and membership services, our highest calling is the protection and stewardship of nearly $2 Billion in member assets. Performance in each discipline is measured by the degree to which it meets this standard. Day-to-day operations include: new and renewal underwriting including rate making, Trust-level premium forecasting, statistical reporting and individual risk pricing; loss prevention consulting such as pre-underwriting inspections, seminars, safety program reviews, site evaluations and accident investigations; premium accounting activities such as premium invoicing, payroll audit and adjustments and collection; claim adjusting including file set up, reserving, provider payments, excess reporting, litigation management and settlement; marketing and sales including agency management, direct member new and renewal sales; excess insurance marketing and placement; treasury management including all associated banking activities such a provider payment audits and bank statement reconciliation's; financial management such as the creation of interim financial statements, loss ratio performance analysis, NCCI financial calls and regulatory reports; and, client stewardship including preparation for and attendance at regularly scheduled meetings with boards of directors to discuss membership, financial and regulatory issues and coordination with Trust sponsoring bodies on royalty payments and membership activity.

Empire Pacific provides services on a contracted basis with 4 and 5-year time horizons. It regularly surveys Trust memberships to determine the level of satisfaction and reports its findings to each board of directors. We consistently receive high marks for error-free administration and responsiveness.