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Ideal Candidate Profiles		Grocery Program Eligibility
Risk & Finance – Preferred Risk Characteristics			Crime – Preferred Risk Characteristics • Monitored alarm systems • Armored car service 7 days a week • Frequent cash pulls on tills with maximum cash limit amounts • Safe access limited • Cashes payroll checks with a purchase requirement • Digital video surveillance • Cash office balanced twice a day minimum Liability – Preferred Risk Characteristics • Excellent housekeeping standards • Night stocking where no customers are present • Formal employee safety training • Floor monitoring training and procedures • Floor mats or non slip flooring present • Food temperature monitoring & logging • Cart corrals and procedures in place • Level parking lot, striped & painted curbs • Formal documented liquor training • No pharmacy operations • No supervised child play care areas • Vendor Insurance Program Work Comp - - Preferred Risk Characteristics • Strong Hiring practices • Safety training in place • Return to work consistently offered • Excellent housekeeping standards • Medical controls and designated doctors in place • Provide health insurance for their employees • Owners actively involved in business
	• 100% grocery • Strong financial indicators (Favorable D&B RAM Score) • Grocers Ownership experience >10 years • Sales per square foot of $350 or more • Low frequency of claims activity • Vested in controlling losses through deductibles • Strong Ownership Involvement - Hands on - On premises - Commitment to safety - Role in buying decision - Safety training provided •Attitude - Willing to implement Loss Prevention recommendations - Willing to insure both P&L and W/C lines - Willing to spend time with agent and/or LP person - Willing to aggressively investigate claims - Low employee turnover - Interested in keeping store current - Respected by employees - Involvement in warehouse or grocery association - Community leader - Solid reputation in community - Stability with insurance program. (Not changing carriers every year for price.)
Property – Preferred Risk Characteristics
	• Buildings age - <10 years old • Electrical systems brought up to date within the last 25 years. • Fire resistive construction types • Sprinklered properties • Smoke Alarms in place • PC Codes <7 • Back up generators on premises • Hood & Vent systems in place • Wet chemical systems over commercial cooking equipment • Fire extinguishers in store and adequately serviced • Compressor maintenance contracts in place • Temperature alarms present • No smoking allowed in store • Policy blanket limits <$100,000,000 • Insured to value properly