• Being a Minnesota agribusiness related employer
• A minimum local net worth of $1,000,00
• Consent to regular safety inspections and required modifications.
• Having a current traditional work comp experience mod factor of less than 1.45

• Your share of your claims
• Your proportionate share of your partners’ claims
• Your share of administrative costs.

In 2004, a subgroup of Access Insurance Association members grew tired of increasing insurance premiums (even in the absence of claims) and being dictated to by their insurance carriers and decided to form their own company. Pillar Insurance, Ltd is a group captive insurance company domiciled in Grand Cayman, which provides a member owned vehicle to finance property and casualty, crime, and D & O risk exposures.

The members’ agreement provides the legal structure to finance and manage risk between the owners. It lays out how risk will be retained and shared between the members on a policy year basis. Like the Access model, your cost in the program is your cost of coverage. It consists of:

• Your share of your claims
• Your share of your partners’ claims
• Your share of operational costs

Pillar has successfully controlled its owners’ costs of property/casualty insurance, provided stability to premium pricing and total and complete control over all claims.

Parthenon Agency personnel handle and supervise all claims of the member owners of Access Insurance Association and Pillar Insurance Ltd through experienced claims people and in-house legal counsel.  The agency’s member owners are in TOTAL CONTROL of their claims.  No longer does an insurance company settle a claim over your objection and then increase your premium simply because they can.  Experienced claims people work directly with the agency’s owner members keeping those owners fully informed of the claim’s progress and taking direction from that member as to the resolution of the claim.  No claim is resolved without the direct involvement of the member owner.

Claim Handling Contact Info:

Parthenon Compliance is here to help take the confusion out of regulatory compliance. We take a hands-on approach in developing and maintaining a compliance program that is just right for YOUR unique operation because your safety and compliance is our business.  Parthenon compliance was created specifically for the agricultural cooperative and agri-business environment; it is not a “one size fits all” program, rather it is consciously designed for agricultural businesses.

Parthenon Compliance assists members in staying compliant with all applicable regulations including DOT and OSHA. Parthenon Compliance provides everything necessary to organize and store all data including drivers’ files, employee training documents, written safety programs, and housekeeping documentation. It provides the easiest mechanism to keep an agri-business compliant with the ever-increasing regulations faced by its member owners.

The Parthenon Agency compliance staff works closely with Human Resources & Safety Directors, as well as location managers, safety committees, and employees. We play an active role on Safety Committees, assist in setting up & delivering training, and distribute regulatory updates and news bulletins. We also offer unlimited training in the use of the software during the initial year to ensure that all users are comfortable with the software and how it can benefit them.

Parthenon Compliance utilizes an internet-based software program and documentation is received from clients via email.

 Services include:

• Written Safety Program
• Driver Qualification File Maintenance
• Housekeeping Forms and Tracking
• Incident Reporting Tools
• Training materials
• Document storage & backups
• Customized Reports
• E-newsletters & Regulatory Announcements

You work hard to manage your company’s risk exposure, and you know there are no shortcuts to safety. One of the main reasons that high-performing companies join alternative risk programs like those provided by Parthenon Agency is the ability to design and control all the services provided to you as members, including:

• Customized safety risk management programs
• Benchmarking with other high-performing companies
• Multi-tiered underwriting process
• Facility inspections, property valuations, and operational reviews

Agency personnel assist in enterprise-wide risk management. These services include:

• Initial Overview of Operations/Facility Inspections: Risk Management conducts a comprehensive review of all operations including facility inspections. This review includes the review of written safety programs, assistance with new program development, as well as recommendations that will assist you in developing a safer workplace. A Risk Management report is shared with the member as well as complete mapping of all property and pictures of the property to assist with claims adjudication. Parthenon Agency applies underwriting standards and criteria to assist in uniform application of values and coverages for all members.
• Property Appraisal/Statement of Values Review: As part of the initial inspection, all property is evaluated for loss settlement option using industry values. As members you are then given the opportunity to review your property values and adjust according to your risk tolerance.
• On-Site Safety Training: Parthenon Agency staff work with members to provide on-site safety training. Members are also provided with training materials to conduct their own employee training using our safety video library. Training courses offered by Parthenon Staff include:
   o 1st Aid/CPR/AED training
   o DOT Hazmat training
   o Drug & Alcohol Recognition Training for Supervisors
   o AWAIR/RTK Training
   o Other Safety Training topics as requested.

Networking & Training Opportunities: Parthenon Agency hosts peer group meetings with safety, energy, and agronomy personnel.

Contact Us:

Parthenon Agency
11 7th Ave N. Suite 100
St. Cloud, MN  56303
Phone: 320-774-1818