ACBOA is limited to the safety conscious employer with an above average safety record. The logic of selecting successful business membership partners in a preferred insurance program increases the probability of higher underwriting profits available for membership distributions. If members manage Worker Compensation losses, the potential for consistent long-term profit sharing is a reality. Now for the first time, small business owners can take advantage of earning underwriting profits that normally are reserved for the insurance company. If your company can qualify as a preferred business owner, profits could add thousands to your bottom line.