Concept Contractors Inc.

6120 Aldwick Drive
Garland, Texas 75043

(972) 226-0788
(972) 226-8338 FAX


February 6, 1998

Christopher J. Roy, President
INSURANCE REDUCTION ANALYSTS, INC.
701 E. Plano Parkway, # 115
Plano, Texas 75074-6774

Re: Letter of Reference                                  

To whom it may concern;

We are a general contractor and were referred to this firm by one of our subcontractors.   Even though our business volume is growing our insurance cost seemed to be growing at an even faster pace.  We needed someone to look at our policies to determine if anything could be done to reduce that cost, without reducing our coverage.  We never dreamed of the results this firm would produce for our company.   It was nothing short of outstanding.

Through their knowledge of insurance they were able to reduce total cost by 48.5%.   On our single largest expense, General Liability, the reduction was even greater at a 63.7% savings!   In addition to the tremendous cost reduction our coverage was improved as there were exclusions in our prior policy that were removed from the new coverage.

We can not thank our subcontractor enough for referring this firm to us.  We do however recommend Insurance Reduction Analysts to any business interested in achieving similar results.

Sincerely,
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Tina Lovell
President

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