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Testimonials  Eight years ago, we were on the verge of being uninsurable."We had a 600% loss ratio on our auto insurance. Hierl Insurance helped us put together a driver safety program that turned things around. Our auto insurance premiums have fallen 50% in those eight years. That saves about $10,000 a year. "Now we're starting to see companies get sued for allowing people with bad driving records on the road. It feels great to know we've had this program in place to protect us. "It's the same story on workers' compensation insurance. Hierl helped us develop a program that cut claims by 33%. It's saving us thousancds of dollars. "Other insurance agents ask me, 'Don't you want to have your rates checked?' I say, 'No, I'm not interested.' Somebody can always try to buy your business with a low price for the first year. But it's not just about what you save this year. It's about what you save in money, time and aggravation over the long term. Deep down, I know Hierl's looking out for our best interests." David Gneiser, President  When we first started working with Hierl, our workers' compensation rating was average. Today, it's the envy of a lot of our peers."Since the mid-'90s, our rating has improved from .99 to .60. As a result, we're saving thousands of dollars a year. And Hierl deserves a lot of the credit. "Our Hierl agent is a key member of our safety committee. Every month, he brings us new ideas for making TEAM Industries a safer place to work. Twice a year, he meets with managers and supervisors to keep them up to speed on the best practices in property and casualty risk management. As a result, we have broad buy-in to our safety program and other risk reduction initiatives. "I don't believe one good insurance agency can consistently underprice another. They're all subject to the same market forces. Where you can save money over the long term is through smart risk management -- which is what we're getting with Hierl! Don Schoenholz, Controller
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