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NoNPR.o� UNITED <br />The NonProfits' United Workers' Compensation Group (NPU-WCG) is a self-insurance group (SIG). We <br />provide members with a combination of pooled self-insurance and commercial excess insurance for workers' <br />compensation. WCG members receive statutory coverage per occurrence, which is a combination of our <br />$500,000 self-insured pool and the excess coverages provided through AM Best Rated A+ Great American <br />E&S Insurance Company (buffer layer of $250,000 xs $500,000 for both EL and WC for up to $750,000) and <br />Safety National, which is statutory limits for workers' compensation and up to $2,000,000 for employers <br />liability for 2020. <br />NonProfits' United is not Best-rated because, as a pool, we are not an admitted carrier. This is the same <br />situation that applies to the hundreds of self-insurance pools established through joint powers authorities for <br />public entities, none of which have Best ratings. NPU was established in 1988 in accordance with the laws of <br />the State of California applying to self-insurance. Please note the insured is part of a self-insured group pool, <br />not individually self-insured, and does NOT have an SIR that they are individually responsible for. <br />Our Workers' Compensation Group, which began operation is 2005, is regulated by the Department of <br />Industrial Regulations, Office of Self-Insurance Plans (DIR OSIP). The WCG holds Master Certificate of Consent <br />to Self-Insure #4513. Since our formation over 10 years ago, we have underwritten in compliance with strict <br />actuarial guidelines and have maintained financial soundness throughout the hard and soft periods of the <br />traditional insurance cycles. Additionally, we use only A-rated or higher excess carriers. <br />If a waiver of subrogation is issued, it is attached to the certi ficate as a whole and covers all three policies. A <br />30 day notice will not be provided as the policy is responsible to the insured and not the individual certificate <br />holders regarding cancellation and we are held to the cancellation regulations required by the DIR OSIP. The <br />30 day language on a certificate is not enforceable and can be deemed illegal. We do, however, as a courtesy, <br />attempt to notify certificate holders if a member withdraws or is withdrawn from the pool, and the certificate <br />is rescinded. <br />Ri.k� Division <br />REVIEWED & APPROVED BY: F�R.!I� <br />RisJc Management Anatyst <br />Exhibit 2