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December 2000
As the year 2000 and all of the Y2K
fears are permanently put to rest, we at CHAPP, Inc. and Citrus
Insurance Services, Inc. want to pause and give thanks to all who
made this another record year for us.
Since our beginning twenty five years
ago, we have grown to be the largest agricultural workers'
compensation insurance agency in the southeast United States.
We owe a huge debt of gratitude to those who have made this
possible.
First of all to God, who has blessed
this business far beyond what we ever would have thought or
imagined. We believe He owns it all, and has allowed us to be
stewards of it. We are grateful, and feel a great sense of
responsibility to be worthy of the call. To this end, we will always
strive.
To the hundreds of policy holders -
you make CHAPP, Inc. and Citrus Insurance Services, Inc. who we are.
We realize that without you we would not exist. We promise
that you will always get the prompt, professional, courteous service
that you deserve. Each and every one of our staff realizes
that we work to serve you, our clients.
To the staff of CHAPP, Inc. and Citrus
Insurance Services, Inc. - thank you. We could not have done
it without you! The licensed personnel of these two companies
have over 100 years of combined insurance experience. We
share a common philosophy ~ to honestly and effectively serve the
insurance needs of our clients. Additional features we offer
above and beyond your basic insurance coverages are: loss
control services, a safety program, DOT drug free workplace
assistance, DOL compliance assistance, crew leader registration,
claims reporting assistance, payroll reporting assistance and
verification, and a special premium payment plan. We want to
be more than just another insurance agency. It is our goal to
see that you get the most comprehensive coverage and service
available for the insurance dollars that you spend. We realize
that there are hundreds of insurance policies out there being
offered to you. The only thing that sets us apart from the
rest of them is the level of service we give, and the additional
features that we offer. These additional features are not
commonly offered by other insurance agencies.
To Mr. G.W. Jacobs, President and CEO
of the FCCI Insurance Group and their entire Board of Directors -
thank you for the faith and trust you demonstrated in us by allowing
us to move our entire book of agricultural business to your company
on 1/1/2000. Prior to our coming, you did not accept
agricultural risks, so we realize that this was an extra step of
faith on your part to accept our book of business. Thank you
for backing us, and for being true to your word. You have done
everything you said you would do, and have been an absolute pleasure
to work with. We want our policy holders to know that FCCI is
also experiencing tremendous growth. They are now the second
largest company writing workers' compensation insurance in the state
of Florida, and are among the top twenty-five in the United States.
Most importantly for you, FCCI has returned a higher percentage of
premium dollars to their policy holders in the form of dividends,
than anyone in the state of Florida. Their percentage of
return is four times greater than other Florida insurance companies,
and is nearly triple the national average. To the FCCI
Agricultural Claims Unit - thank you for the hard work you do in
managing the claims when they happen. We realize that without
your expert handling of claims, there would be less money available
to return to our clients in the form of dividends. We
appreciate the aggressive manner in which you work to preserve our
policyholder's insurance dollars.
In closing, we wish you and your
families a very blessed and prosperous 2001. If there is any way we
can be of service to you, please do not hesitate to let us know.
Bucky and Cindy Payne and Staff
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