| February 9, 1999 To Whom It May Concern:
This letter of recommendation is written on behalf of Mr. Chris Roy and Insurance
Reduction Analysts, Inc.
As with most California employers, we have become somewhat used to wide fluctuations
from year to year in our Workers Compensation Insurance. So, we were not surprised when
our broker told us our coverage would increase by over $50,000 for the new year. Needless,
to say, we were tremendously impressed when Mr. Roy was able to renegotiate our renewal at
a $25,000 savings from the prior year, or $84,000 (30%) from the
renewal quote our broker was able to obtain.
We have found Mr. Roy to be thorough and professional in all our dealings. In fact, we
are so confident in his abilities we have contracted with him to review our past Workers
Compensation policies, as well as, assisting with our current year Commercial Package
renewal.
Sincerely,
C.R. LAURENCE CO., INC.

LLOYD W. TALBERT
Executive Vice President |