"When formed the group, in 2003, our goal was to provide ourselves with insurance coverage at affordable prices and that would forever free us of outside insurance market cycles. In the time since, I have no doubt that this was one of the better business decisions I have made in my over fifty years in the trucking business.

A few of the highlights: We have had a very stable rate structure since the beginning and have been able to reduce rates gradually over the years.

We have had claims handling second to none. All claims are handled promptly and our company interests are always the first priority with the adjuster and all injured employees are taken good care of. We have built a solid financial base with sufficient assets to take most of the Risk out of our self insured group. And the frosting on the cake is that we have been able to return a very large amount of premium contributions back to our members."

"The main thing about the program is that you are in with good members. This translates into loss ratios that are far below the industry average. The program is put together using the best resources available and that helps maximize dividend returns. Our Claims are closed quickly and with happy employees feeling that they have been treated fairly"

"Essentially I like the CTSA because I don't have to manage my workers' compensation like I did when I was with the State Fund. Now I don' t have to chase down a claims adjuster on every incident since my adjuster now comes to me. CTSA is financially well run having adequate reserves and paying back dividends."

"We are new members and are very pleased. Our rates are really good and I enjoy working with our claims person"

"Your whole team is very responsive and very eager to follow up. Attention to detail is phenomenal. We are very very pleased that the dividends came to fruition and that we got what we paid for"

"We were pleasantly surprised and very happy that we received a dividend check. You guys are really efficient and it is a pleasure working with you"

"I like the idea that we are owners of this company. It's great having access to all of the Board of Trustees which is one of the reasons we joined. I appreciate the thorough screening of new members which gives me additional security."

"I have been in the trucking business for over 36 years and this is the most aggressive claims handling I have ever seen"

"Like the dividend – haven' t had one in fifteen years!!

In the past we were just another fish in the bowl with our prior workers' comp insurance carriers. Now we have input and control over our own destiny. I am a partner with truckers that I know and respect. I appreciate the Board making intelligent business decisions running the company for our benefit."

"I like the fact that we as carriers have more control. We appreciate the efforts of the Board of Trustees and are proud to be part of this group"

Jeff' s comment upon receiving news of the 2009 dividend disbursement:

"I am happy about the results of an aggressive investigation and undercover video surveillance on a driver' s injury claim.

We believed that this claim was fraudulent and now have the evidence to reduce the loss and pursue prosecution against the driver.

I have steam coming out of my ears and I am almost tempted to play the undercover surveillance video on a closed loop in the driver' s room "

"I like being able to wrap my arms around our claims. This is really a Godsend"

"Money, Money, Money – Savings and dividends The claims handling is fantastic. Claims are watched and closed efficiently which helps me get my guys back to work and saves me money."

"The greatest aspect is that we have direct access to our claims adjustor and that we have the ability to make good business decisions in settling claims. The group itself and how it is run with AV International and Allen Lawrence & Associates is superior to any other workers comp program I have ever been in. Gosh, a $2,0000,000 Dividend is always nice too – since this is the first one we have seen in more than 15 years. "

"Absolutely awesome, no comparison with prior insurance company claims handling.

You guys are really competitive especially in the long term because of the dividends. I am very content."

"Lot of value on the claim side – you control your destiny on where the claims begin and where they end. This is definitely a classy organization."