The ABC NH Self-Insured Group Trust for Worker’s Compensation is the only group self-insured program for contractors in New Hampshire. It was developed in 1994 by contractors to assist contractors with claim costs while improving workplace safety and creating the opportunity to change workers compensation premiums from an expense to an investment. If you work hard and get results, you deserve the reward.

Current Members		ABC Group Trust	Non Self-Insurance Plans
American Steel Fabricators, Inc. Andrews Construction Co., Inc. Bancroft Contracting Corp. Benson Woodworking Co., Inc. Bonnette, Page & Stone Corp. Cobb Hill Construction, Inc. Construx, Inc. Damon Insulation Co., Inc. DECCO, Inc. Everett J. Prescott F. H. Hamblet, Inc. Granite State Glass Horne Construction J. B. Sullivan Jr. Corp. of NH John J. Paonessa Co., Inc. James S. Piscopo, GC Keeley Painting Lamontagne Management Corp. Lewis Builders Mas-Con Corporation Menard Painting Corp. Meridian Construction Corp. Mill Metals Corporation North Branch Construction, Inc. Simpson's Painting, Inc. Spraymaster St. Pierre, Inc. Tocco Building Systems	Rates	Since inception, the Group's rates have dropped an average of 45% depending on class, resulting in lower premium	Typically, rates increase consistently
	Extensive Safety Features	Typical loss ratios under 20% Jobsite inspections, CPR/First Aid Training, OSHA 10-Hour, Construction Site Safety Orientation, whatever you need! 100% Safety Meeting attendance	Commercial market loss ratio averages 65%. Typically, these services are not offered or are limited. Safety meetings typically not offered
	Dividends Returned	At the end of each year, all premium dollars are invested on behalf of Trust partners and distributed as dividends. Millions in earned dividends for the members since the group's inception	Typically, dividends are not offered
	Industry Specific	All members are construction businesses and have construction exposures The plan and services are geared towards your business	Typical carrier plans are geared and serviced toward several hundred industries
	Claims Services	Aggressive Claims Management Aggressive Medical Case Management Meaningful light duty programs Aggressive Loss Control	Usually not the case Typically, no medical management provided Light duty options are typically unsatisfatory