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Gossard & Associates, Inc.

OGSERP discount: 6 percent for 7/1/2021 - 6/30/2022
Mike Niderost, President
PO Box 506, Medford OR 97501
P: 541.343.2910  F: 541.342.5008

Eligibility criteria

  • Must have an annual manual premium equal to, or greater than, $2,500, with exception to the principal classes noted below 
  • Be a member in good standing of the association (dues paid current) 
  • Earned or unearned experience rating 1.00 or less
  • Group history period* incurred to manual loss ratio less than 40 percent 
  • Group history period frequency of business operations less than SAIF average
    frequency for the principal class for accounts newly enrolling in the group**
  • Group history period frequency of business operations less than 1.5 times
    the SAIF average frequency for the principal class for current group members
    renewing in the group**
  • Underwriters have judgment authority for approving group pricing.

* Group history period includes policy periods incepting within 57 months prior to the effective date of the policy year being priced and must include a minimum of 34 months of history.
** SAIF calculates an average expected claim frequency (per $100 payroll) for each class effective January 1 each year using the expected frequency for the year that corresponds to the effective date of the policy year being priced.

Principal class codes

0124 Reforestation
2697 Forest Patrollers
2702* Logging/Hauling
2703 Logging Equipment
2704-01 Wildfire Fighting & Drivers 
2710 Sawmills
2714 Veneer Mfg
2725 Logging-Mechanical
2731 Planing/Molding Mills
2759 Box or Box Shook
2802 Carpentry Shop
2841 Wood Products Mfg
2915 Plywood Mfg
2883
Airplane Subassembly
2960 Pole, Post, or Tie Yard & Dr
3824 Cargo Containers
5511 Log/Forest Road
8058 Bldg Mat Dlrs-New
8232 Yard Employees
8602 Timber Cruising & Drivers 
8742 Estimator
9310* Log Truck Drivers
9315 Sawmill Maintenance

*These classes must have an annual manual premium equal to, or greater than, $50,000. 

From saif.com

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