Western Networked Insurance Services Put Networked Insurance Agents

Western Networked Insurance Services “Put Networked Insurance Agents Program Team to work for you” John S. Erickson Vice President Commercial Programs

WNIS Expanding Capabilities § § § Professional Liability Business § Directors & Officers, Employment Practices Liability § Fiduciary, Crime, Kidnap Ransom Coverage § Technology and Miscellaneous E&O § Health Care and Life Sciences E&O Excess & Surplus Lines Business § Property, General Liability Commercial Package § Garage, Umbrella/Excess, Liquor Liability § Special Events Coverage § Environmental and Pollution Liability § DIC Earth Quake, Wind § High value & Hard to place Homeowners Program Development & Management

Directors & Officers Liability § § § § Community Associations Publicly Traded Companies Health Care Organizations Non-Profit Organizations Privately Held Companies Personal Directors Including: § § § Entity Liability Third Party Liability Markets for “hard to place” risks

Employment Practices Liability § § § § Broad range of eligible groups Community Associations Publicly Traded Companies Health Care Organizations Non-Profit Organizations Professional Firms Privately Held Companies Including: § § Loss prevention tools & resources Markets for “hard to place” risks

Crime and Fiduciary Liability § § Primary and excess limits available Crime coverage can include: § § Broad definition of “Employee” Loss Sustained or Discovery based Blanket ERISA Fidelity coverage Fiduciary coverage can include: § § § Coverage of HIPAA violations Coverage for 502 and 503 penalties Defense inside and outside limits

Technology and Internet Errors & Omissions Coverage § § § § Mono line coverage for small to large commercial businesses. Consulting and Information Tech firms Cyber, Media and Advertising Liability Computer & Electronic Manufacturers Hardware / Software Development Web site Design and Hosting Internet Service Provider’s Active Server Page Development

Miscellaneous Professional § § § Consultants, Freight Forwarder Real Estate & Mortgage Brokers Media Liability – advertising, publishing Managers – property, asset, farm, hotel Travel Agents & Tour Operators Employment & Temporary Help Agencies Claims – adjustor, appraiser, investigator Lawyers & Employed Attorneys Training – educator, counseling, coaching Court clerk , mediator, lobbyist, executor Accountant, bookkeeper, tax preparer Hundreds of additional eligible professional classes

Architects, Engineers, Land Surveyors Professional § § § § § Design-Build contractors Specialty Construction consultants Environmental consultants Geologists Mechanical engineers HVAC engineers Interior Designers Landscape Architects Communication Engineers

Insurance Agents Professional Liability § § § § Competitive Program for retail agents Group credits available Will accept new ventures with experience Can write P&C and Life agencies Coverage options includes defense outside limits Admitted and non-admitted markets Difficult to place accounts can be considered

Sexual Misconduct Liability § § Up to $10 million coverage limit available for sexual misconduct or molestation. § $15, 000 minimum premium § World wide coverage § Defense and settlement within limits Schools, Religious Organizations, Camps, Child Care Centers, Counseling Services, Foster Care Services, Recreation Centers, Hospitals, Nursing Homes, others.

Health Care Professional § Primary and Medical Malpractice for: § § § Home Health Care & Nurse Staffing Laboratories / Diagnostic Facilities Physicians & Health Care Practitioners Medical Treatment Facilities § Hospitals, Clinical Testing, Dialysis Centers, Halfway Houses, Medical registry services, Rehabilitation Services Miscellaneous Medical Classes for: § Acupuncture, audiologist, counseling service, dietician, healthcare consultant, massage therapist, physical therapist, safety & health consultant, speech therapist, etc.

Sampling of WNIS Markets § § Beazley USA C. N. A Lexington Lloyd’s Travelers Zurich Chubb Hartford Monitor Liability Great American § Fireman’s Fund § § § § § One. Beacon Philadelphia AIG Crum & Forster American Safety ACE Western Heritage Century Surety CIBA Chubb Custom C. N. A Schinnerer

Binding Authority Classes Property, General Liability, Package, Garage, Liquor § § § § § Adult Day Care Center Alarm Installation Amusement Centers/Rides Auto Dealers New / Used Auto Parts and Supplies Auto Repair Shops Auto Body and Paint Shops Bazaars/Flea Markets Bars, Taverns, Restaurants Campgrounds Caterers Clubs - Swimming / Racquet Convenience Store/Mini Mart Contractors - Residential Contractors – GC’s, Roofing Day Care Centers Day Camps & Sleep In Debris Removal § § § § § Demolition Contractors Employment Agencies Equipment Rental Excavating/Grading of Land Contractors Garbage, Refuse Collecting Gas Stations Hunting Clubs Landscaping Motorcycle Dealers & Repair Pest Control Service Recycling Collection Centers Special Events Coverage Tire Dealers Truck / RV Dealers & Repair Security and Patrol Agencies Vacant Buildings & Land Welders

Large Account Capabilities § § General Liability § Virtually any product liability risk--from paper goods to firearms, beverages to chemicals, toys to swimming pools -and the risks in between. Primary general liability, lead umbrella, follow-form excess liability. Property § Difficult to Place classes and Catastrophe Exposures, Auto Phys Damage, Motor Truck Cargo, Builder’s Risk, Chemical, Energy, Municipalities and Institutions, Tier 1 Wind Exposures, DIC

Risk Retention Group § § § § Apartments & Condominiums § $500 Million Capacity Office, Warehouse, Commercial Properties, Shopping Malls, (HPR or Non-HPR) § $500 Million Capacity Collective Liability (no need to purchase an excess liability policy) $75 Million Limit Strictly “A” rated insurance carriers Comprehensive “all risk” special coverage Many other additional features Eligible states, CA, AZ, CO, NV, WA

Environmental Liability § Contractor’s pollution liability - covers third-party claims § Professional environmental consultants liability - caused by pollution events arising out of covered operations. § Professional consultants liability - provides liability arising out of acts, errors or omissions during the rendering of professional services by a named insured. combines the element of errors and omissions coverage with contractor’ pollution liability coverage. § Environmental services package policy - combines general liability, pollution and professional liability all in one seamless product. § Environmental casualty coverages - include the general liability, workers compensation, business auto, excess liability and contractors protective liability.

DIC Earthquake, Wind/Hail § The DIC (Earthquake Peril) Policy is available for both building owners and tenants of commercial buildings. 13 Western States, including Alaska, California, Oregon, Utah, and Washington. § The NPCP (Wind/Hail Only) Policy helps businesses recover from damage caused by wind and/or hail and other perils. Florida, Georgia, Hawaii, Louisiana, Texas, and Virginia. § The DIC (Wind/Hail Perils) Policy is available for both building owners and tenants of commercial buildings. Alabama, Mississippi, New Jersey, North Carolina, and South Carolina.

Market Segment Programs § § California Beverage Dealers Program Concrete Cutters Program Education Insurance Program § Private primary K-12 schools and colleges with less than 10, 000 § Property, GL, WC, Auto, Umb, Abuse and Molestation Social Services Program § Adoption, Foster Care agencies, Community Services § Professional, Property, GL, Auto, Umb, Abuse and Molestation

High Value & Hard to Place Homeowners § § § HO-3 § Brush and unprotected properties § Primary, secondary, seasonal and rentals § $1, 000 min. prem. § Earthquake available HO-4/6 Builders Risk, Vacant Dwellings Personal Articles Floaters Excess Flood “A” rated markets

WNIS Placement Specialists Professional Liability Terri Amick (530) 274 -6962 Teri Hulvey (530) 477 -3913 John Erickson (530) 274 -6992 Surplus Lines Cyndi Gabbard David Boge Victoria Edson (866) 398 -9588 (530) 477 -3910 (530) 477 -3914 Email Addresses: firstname. lastname@networkedins. com

Western Networked Insurance Services “When it’s outside the box, contact WNIS” info@westernnetworkedins. com Send applications to: CL_Programs@networkedins. com