Joe Zimmerman Quotations

When you self-insure you control your own destiny. But your destiny is not unlike everybody else.

When you are as large as we are you look just like the universe.

Premium increases are not the best measurement because if you are already high you don't have to raise your rates as much. And if you are low, you may have to raise them a little more.

You can't measure performance or success just on rate increases.