Risk Rewards is the cornerstone of our Managing Risk program. You can save up to 15% on your insurance premium through your successful completion of Risk Rewards activities. These savings are in addition to any discounts you may already have, such as our loss-free discount. Discounts earned during the 2008 calendar year will be credited to policy renewals beginning in July 2009. All eligible policyholders are mailed written materials detailing the options. You may also access this information at www.ismie.com; e-mail an inquiry to riskmanagement@ismie.com; or phone us at 800-782-4767, ext. 3300.