Policyholder Premium Credits/ Dividends - TOMIC shares the benefits of favorable claims experience in the form of a premium credits program. This program allows policyholders to utilize a portion of unused loss reserves from prior years as credits against future years' renewal premiums. The credits are allocated based on premiums paid in prior years. Insured's recognize substantial savings from this renewal credit.

Attractive Premiums - TOMIC's operating expenses are about 60% less than the typical insurance carrier, allowing the savings to be passed on to the owner insureds in the form of lower rates. The lower operating expenses are partly attributable to (1) specialized underwriting and loss control services: and (2) the company does not employ a sales force.

Admitted Insurer - TOMIC is an admitted insurer in Texas. Achieving this status allows the policyholders the security of an insurer regulated by the Texas Department of Insurance.

Specialized Underwriting - Underwriting is specialized and focused on a single risk exposure (pollution liability). Underwriting and loss control standards are influenced by the owner insureds who elect their Board of Directors and Advisory Council.

Strong Reinsurance - TOMIC purchases excess of loss and aggregate insurance from an A-rated insurance company. Owner insureds control the coverage and cost elements while being afforded the security of a respected national insurer.

Non-Assessable Policy - TOMIC's policy is non-assessable.