Enhancing Insurance Services with WNIS: Networked Agents Program

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

2. 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

3. 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

4. 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

5. 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

6. 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

7. 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

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

9. 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

10. 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.

11. 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.

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

13. 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 Binding Authority Classes Property, General Liability, Package, Garage, Liquor

14. 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

15. 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

16. Environmental Liability • Contractor’s pollution liability - covers third-party claims 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. • Professional environmental consultants liability -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.

17. 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.

18. 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

19. 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

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

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