Oxford Coverage Inc. is proud to introduce an innovative program that is designed to specifically meet the needs of the Home Health Care Industry and Nurses Staffing Companies.

The following is a policy comparison of a recently-enrolled Home Health Care and Nurses' Staffing Companies facilities in our new program.

---

Policy Comparison:

	PREVIOUS PROGRAM	OXFORD PROGRAM
	1997-1998	1998-1999
Policy Type	General Liability Professional Liability Property	General Liability Professional Liability Property
Carrier Rating	A+	A+
Limits	Broad Coverage	25% Broader
No. of days to receive quote	Approx. 30 days	1-24 hours!
No. of questions completed by applicant	49 questions	8 questions
Umbrella Coverage	Limited	Unlimited up to $100,000,000
PREMIUM	$12,100	$2,440
Savings of 79% with the Oxford Program.

---

The Benefits and Advantages of Our Program:

• Professional and General Liability: Provides liability protection if a medical incident arises during rendering or failure to render professional services including medical, doctor, hospice, administrative and clinical duties (No Aids or Sexual Abuse exclusion). Includes coverage in the event of an incident arising from the conduct of your business and resulting in bodily, personal, advertising injury etc.
• Workers Compensation: We specialize in obtaining high standard medical care and controlling medical costs.
• Risk Management Programs: Case Management, Claims Management, Cost Management, Account Management and Injury Prevention, in which you'll receive help in specific areas to reduce frequency and severity of losses.
• Automatically includes Comprehensive Blanket Fidelity, Hired and Non-Owned Auto And Employee Benefits Liability.

Please complete the form to discover ways in which Oxford Coverage can slash your insurance cost.

---