* small claims deductible for eligible businesses.The deductible program will allow policyholders to establish an amount of the loss they can absorb and to purchase insurance only for losses above that predetermined deductible amount. Deductibles range from a low of $100, $500 and up to up to $25,000 per claim. Deductible credits can vary depending on your business.

* additional savings is an upfront 5 percent discount by implementing an approved Drug & Alcohol policy. Previously, SCF provided the discount at the end of a policy year in the form of a credit. Beginning May 1, however, policyholders will begin receiving the discount at the beginning of the policy year. Participation in the Drug and Alcohol Program is simple. All a policyholder needs to do is:

1. Drug test all new hire employees going forward from date of application into the program.