Insurance Business America issue 4.03 by Key Media

PR SP OG ECIA RA L IN SP M T H I RI DI S I S NG R SU 20 EC E 16 TO RY

IBAMAG.COM ISSUE 4.03

SPECIALIST

RISK MANAGERS 2016

They’re the defenders of corporate America – and your best business partners GOOGLE’S GONE WHY BROKERS SHOULDN’T GET TOO COMFORTABLE JUST YET

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WINNING CULTURE HOW ARTHUR J. GALLAGHER IS APPEALING TO THE NEXT GENERATION

INLAND MARINE TIPS FOR ADVISING CLIENTS ON THIS CRUCIAL COVERAGE

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ISSUE 4.03

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CONTENTS

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UPFRONT

SPECIALIST

RISK MANAGERS 22 2016

04 Editorial

How to triumph over disruptors

UPFRONT

NEWS ANALYSIS Google Compare is shutting down – but experts warn that more disruptors are on the horizon

INDUSTRY ICON J. Patrick Gallagher Jr. never hesitated in his decision to go into the insurance business – and he explains why young people shouldn’t, either

Will auto insurance soon be history?

12 Intelligence

This month’s big movers, shakers and new products

14 Workers’ comp update

A new survey suggests small business owners could be directs’ next prey

FEATURES

THE INS AND OUTS OF INLAND MARINE Making sense of this complex coverage area

PEOPLE 53 Career path

Tom Dawson ushers his family’s insurance agency into another century

54 Other life

James Dunnigan found a new way to serve his community – as a member of Utah’s House of Representatives

SPE

FEATURES

AGENCY INSIGHT Michigan’s Kapnick Insurance Group has stayed in business for 70 years by diversifying product lines and emphasizing a family culture

08 Head to head

16 Technology update

LEADING RISK MANAGERS

PEOPLE

What building codes reveal about insurance needs

The future isn’t looking good for optout workers’ comp systems

COVER STORY

Risk managers represent a vital partnership for brokers. We’ve uncovered the details on 124 of corporate America’s top risk managers

06 Statistics

SPR A L SE C T IO PROING 201 N GR 6 D

IRE CTOAM RY

IBAMAG.COM CHECK IT OUT ONLINE

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Exceptional Partnerships. Extraordinary Solutions. Not many companies can boast of a business built on a foundation of partnership. We can. The relationships we have fostered over the years have fueled our growth and helped us to become the leading excess and surplus carrier in the industry. We offer a collection of solutions unrivaled in the marketplace, and pride ourselves on our strength and expertise. Weâ&#x20AC;&#x2122;re reaching higher to grow profitably and take our mutual success to the next level.

E&S/Specialty www.wearenownationwide.com A.M. Best rating of A+ (Superior) XV FSC Fortune 100 company Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. ÂŠ2016 Nationwide.

FEI-I/B F

UPFRONT

EDITORIAL

Beating the disruptors

et hundreds of insurance professionals in the same room days after the announced closure of Google Compare, and the talk will inevitably turn to the future of the agent and the many disruptors hoping to alter it. That’s exactly what happened in early March when more than 1,600 independents met in San Antonio for NetVu 2016, the annual conference of Vertafore software users. While an earlier survey of this very group indicated that more than half (54%) view disruptors as a moderate to serious threat, the news of Google’s troubles seemed to encourage and embolden many. This might be a hasty conclusion (check out this issue’s News Analysis, “Googling the future of the agent,” for more details), but one thing is certain: There is a future for agents. It’s just one that includes adaptation.

One thing is certain: There is a future for agents. It’s just one that includes adaptation Keynote speaker David A. Smith, a futurist who has consulted with several insurance companies, stressed that nearly half of existing jobs will be automated in the next 20 years. To avoid falling on the wrong side of that equation, he said, agents will need to leverage technology like data analytics and predictive modeling to cement their role as trusted advisors and information gatherers. Already, there are several agents at the forefront of this change. Instead of fearing or dismissing the wave of disruptors taking aim at the industry, they are facing them head-on and learning lessons along the way. By combining old-fashioned relationship skills with an understanding of the modern insurance consumer, these professionals are blazing trails that will become well-worn footpaths for the rest of the industry in years to come. One way agents can do this is by forming partnerships with risk managers. In this month’s issue, we take a look at this increasingly important profession as its members work to identify company liabilities, check business processes for weakness and work with a chosen agent to purchase necessary coverage. We hope that as you read about these risk managers, you will learn from them, be better prepared to work with them, and gain the confidence and insights necessary to become a lasting presence in one of the industry’s most fascinating eras yet. The team at Insurance Business America

www.ibamag.com APRIL 2016 EDITORIAL

SALES & MARKETING

Senior Journalist Caitlin Bronson

Vice President Cathy Masek

Journalists Ryan Smith Tim Garratt Donald Horne Paul Lucas James Middleton Henry Preen

Media Sales Managers Chris Wills Chris Anderson

Copy Editor Clare Alexander

CONTRIBUTORS Kevin Meagher

ART & PRODUCTION Design Manager Daniel Williams

Marketing and Communications Manager Lisa Narroway

CORPORATE Chief Executive Officer Mike Shipley Chief Operating Officer George Walmsley Chief Information Officer Colin Chan Human Resources Manager Julia Bookallil

Designer Joenel Salvador Production Manager Alicia Salvati Traffic Manager Kay Valdez

EDITORIAL INQUIRIES caitlin.bronson@keymedia.com

SUBSCRIPTION INQUIRIES subscriptions@keymedia.com

ADVERTISING INQUIRIES

cathy.masek@keymedia.com chris.wills@keymedia.com chris.anderson@keymedia.com justin.faull@keymedia.com

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A&E Architects & Engineers

EIL Environmental Impairment Liability

HMA Hazardous Materials Trucking

O&G Oil & Gas

FFX Follow Form Excess

LEL Lender Environmental Liability

PPL Products Pollution Liability

EIL

ECC Engineers Consultants & Contractors

Environmental Impairment Liability

Freberg Environmental Need environmental coverage? At Freberg Environmental all you have to do is pick your program. From Architects & Engineers, to Environmental Contractors, to Lender Liability and Products Pollution, we have the environmental insurance program you need. With 25 years of environmental expertise, we are not the new kid on the block. Freberg underwriters are among the best in the business and they get things done. Quickly. Over the years, Freberg Environmental has become the “go-to” environmental market for innovative solutions to all kinds of environmental risk. We have earned our reputation by providing the fast, friendly and knowledgeable service you have come to expect. Pick your program.

A&E Architects & Engineers HMA Hazardous Materials Trucking O&G Oil & Gas FFX Follow Form Excess LEL Lender Environmental Liability PPL Products Pollution Liability ECC Engineers Consultants & Contractors EIL Environmental Impairment Liability

Call Freberg Environmental.

Freberg Environmental Insurance 2000 South Colorado Boulevard Tower II • Suite 800 • Denver, CO 80222 Toll Free: 800.377.4152 • Fax: 303/623-8101 FEIinsurance.com In CA dba: FEI, Insurance Services

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UPFRONT

STATISTICS

Up to code A community’s compliance with building codes can provide a clear signal to insurers about how it will weather natural disasters WHAT DO building codes have to do with the cost of insurance premiums? A lot, actually. When natural disasters strike, communities with rigorously enforced, up-to-date building codes are better prepared to absorb the impact from those disasters, thereby reducing insurance payouts and, in turn, lowering rates. However, not all communities in the US are at the same level when it comes to building code enforcement. The National Building Code

40,486

Number of earthquakes in 2014 in Alaska, which has not yet adopted a residential building code

Assessment Report from the International Organization for Standardization [ISO] examines how each state is performing in regard to building code adoption and enforcement via its Building Code Effectiveness Grading Schedule [BCEGS] program. It also reveals some compelling statistics about the effects of natural disasters on communities that don’t have up-to-date building codes. The data can help provide brokers with insight as to what levels of coverage are needed.

20,800

10,000

Number of communities that participate in the ISO BCEGS program

Minimum number of residents an Iowa town must have to be required to enforce the state building code

3/3

HOW ARE STATES PERFORMING?

Amount of loss reduced for every $1 spent on mitigation Source: National Building Code Assessment Report

The ISO’s BCGES program rates participating communities on a scale from 1 to 100, based on 27 different areas of focus, including building code administration, plan review and field inspection. The scores are averaged by state and translated into 10 classes (1 being the best and 10 being the worst) that insurers can use to determine whether buildings are eligible for grant premium credits.

LOSSES AT A GLANCE

COMBINED RATIOS ON THE RISE

Insured losses for natural disasters tend to average roughly $22.5 billion a year, although lower-than-average hurricane activity has somewhat lowered losses in recent years.

Over the last 25 years, but particularly in the last five, the increase in frequency and severity of natural disasters has led to higher combined ratios (the sum of incurred losses, loss adjustment expense and all other operational expenses divided by either written or earned premiums), which threaten insurers’ annual profit potential. The likely culprit? Increased losses from severe convective storms, which are paid mostly through primary insurers’ reserves rather than reinsurance. 10

10-year rolling average

Insured losses ($billions)

50 40

30 2

20 10

0 2000 2002 2004 2006 2008 2010 2012 2014 Source: National Building Code Assessment Report

5/5

1960

1965

1970

1975

1980

1985

1990

1995

2000

2005

2010

2015

Source: National Building Code Assessment Report

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4/4 MI

4/4

4/5

4/4

5/6

5/5

7/7

5/5

4/4

3/4

7/7 NH

4/4

3/3

6/6

4/4

4/5

8/9

6/7

5/5

4/4

8/9

4/5

5/5

5/6

4/5

4/4

5/6

4/4

5/5

3/4

6/6

8/6

3/3

5/5

6/6

6/7 AL

6/6

5/5

5/6 FL

4/4 Commercial class Residential class Source: National Building Code Assessment Report

LOWER HAIL DAMAGE

REDUCTION IN FIRES

Using the state of Missouri as a sample, researchers at the University of Pennsylvaniaâ&#x20AC;&#x2122;s Wharton Risk Management and Decision Process Center discovered that losses due to hail damage declined in ZIP codes that had higher BCGES scores.

Research from ISO Community Hazard Mitigation also found a compelling link between communities with high BCGES scores and the frequency of fires â&#x20AC;&#x201C; those with stringently enforced building codes saw a dramatic drop-off in the number of reported fire incidents.

$30,000 $25,000 $20,000

25-35

$15,000

State BCGES score

Amount of hail damage

15-25

$10,000

45-55 55-65

$5,000 0

35-45

65-75 .5

1.5

2.5

Hail size (diameter in inches)

More favorable BCGES

Less favorable BCGES

BCGES not rated Source: National Building Code Assessment Report

75-85

0.0

0.5

1.0

1.5

2.0

2.5

3.0

Source: National Building Code Assessment Report

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3.5

Fire frequency

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UPFRONT

HEAD TO HEAD

Will driverless cars be the death of auto insurance? The insurance industry is grappling with this latest innovation that could put a huge dent in revenue

Peter DaSilva

Adam Mitchell

President and COO Cornerstone Insurance Brokers

President Mitchell & Whale Insurance Brokers

“Not at all. Someone has to be responsible for the operation of the automobile in all situations. This will mean you will still have to learn to drive a vehicle, even if it is driverless, so that you can take over in case of emergency, and when that happens, you will need coverage. No system is completely glitch-free, so coverages will still be required of operators. And what happens if you fail to maintain the vehicle to warranty standard and something goes wrong? Even if the manufacturer accepts liability for a properly maintained vehicle, they won’t accept it for a poorly maintained vehicle. Again, the driver needs coverage because they might be on the hook for being as little as one mile over the next required maintenance.”

I think driverless cars will mean the same thing for insurance as Amazon has meant for retail. It won’t be a mass exodus, but it will definitely be an instrument of change for the industry. What you need to plan for defending against is not the highways full of driverless cars, but the technology that will come well before that: the accidentfree car, or a car with the sensors and smarts to keep you from making any mistakes. When those cars hit a critical mass on the road, the frequency and severity of accidents will fall dramatically, in turn driving down premium and commissions per policy. It’s not property damage. Fear the accident-free car, not the driverless car.”

Debbie Thompson

Director of business development and managing partner Beyond Insurance Brokers “I don’t believe so, as no one is usually absolved of an error, omission or misjudgment. Unless the manufacturer of the vehicle is going to accept 100% responsibility for the operation, which I doubt very much, there is a still a question of liability on the operator and the regulation of self-driving cars. We know that in California, the Department of Motor Vehicles is stating that a licensed driver must be in the vehicle at all time, which says there is a level of responsibility transferred to the operator. The operator will still need personal automobile liability insurance.”

NAPSTER FOR THE INSURANCE INDUSTRY? A recent Bloomberg News article likened the relationship of insurance companies and the introduction of driverless cars to record companies at the dawn of online music file-sharing. Premiums consumers pay could drop as much as 60% in 15 years as self-driving cars hit the roads, says Donald Light, head of the North America property & casualty practice for Celent . His message for insurers: “You have to be prepared to see that part of your business shrink, probably considerably.”

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UPFRONT

NEWS ANALYSIS

Googling the future of the agent Google Compare may have shut its doors, but its absence only creates a vacuum, and agents shouldn’t get too comfortable yet INDEPENDENT INSURANCE agents may have greeted the news of Google’s exit from the insurance business with enthusiasm, but industry figures are urging them not to read the closure as either a failure of online comparison services or a validation of agents who have shunned technology. The search engine giant confirmed the closure of Google Compare in late February. An email sent to company partners said Google would start winding down and ultimately end its comparison-shopping site for auto insur-

company’s good business sense than a sign that the online comparison model is flawed. A corporation known for its innovation, Google has historically been quick to axe any venture that doesn’t deliver. News in March or April that Google is restructuring or forgoing certain businesses is common, and is often referred to as the company’s ‘spring cleaning.’ The closure of Google Compare fits that pattern, industry figures say. “It wasn’t overly shocking. It’s always been strange that Google came into the industry,”

“Insurance isn’t a pair of shoes being sold on Amazon. We feel like consumers need a trusted advisor ...” Keith Moore, CoverHound ance, credit cards and mortgages on March 23. Once billed as a serious threat to insurance agents – Forrester analyst Ellen Carney famously suggested the 40,000 agencies in the US could “absolutely shrink by a quarter” – the service operated for less than a year before Google decided to pull the plug. Before it shuttered, Google Compare had launched in just four states – a far cry from the two dozen states Google said it expected to be serving by its first anniversary. However, both partners and competitors of Google say this closure has more to do with the

says Laird Rixford, president of Insurance Technologies Corp., the Texas-based software provider that powered Google Compare’s back-end rating system. Rixford observes that, because Google’s main revenue source is keyword-based advertising, the extension into auto insurance essentially “cannibalized” the company’s $50- to $300-per-word revenue stream. A failure to attract some of the country’s larger auto insurers, such as Allstate or Progressive, also damaged the company. Another reason Google Compare may have

failed to take off is an ongoing reliance on insurance agents. While online insurance offerings have increased over the years, a majority of auto purchases are still completed through individual agents. And, in the more complex world of small business insurance, a November survey from the Deloitte Center for Financial Services found that 83% of American small business owners report satisfaction with their current agent. The hands-off approach presented by Google Compare probably hurt the service, says Adam Lyons, CEO of The Zebra, an Austinbased comparison company. “Auto insurance is a complex product, and a lot of folks underestimate that,” Lyons says. “I think Google really focused on the pricing piece, and while that approach works very well for some products, you need to be more involved and have a deeper understanding of

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ONLINE INSURANCE SHOPPING BY THE NUMBERS While shopping for insurance online has remained a flat trend, there is evidence to suggest the Internet will grow in influence in coming years.

71%

of consumers shopping for insurance in 2014 obtained a quote online – a 4% increase from 2013

37%

of consumers said they would be likely to buy a policy online, up 5% from 2011

44%

consider price the most important attribute when shopping for policies

3.1 million

auto insurance policies were sold online in 2012 – no measurable change from 2011 Source: comScore

others. Insurance is proving to be one of those.” The treatment of auto insurance as a commodity was one of the reasons The Zebra chose to pass on an opportunity to work with Google Compare, says Lyons, who plans to use

Plain English.” And as always, human interaction will be key. The same is true for comparison site CoverHound, a former Google Compare partner. CEO Keith Moore says that along with

“The consumer has changed over the years. Google was trying to chase that opportunity” Laird Rixford, Insurance Technologies Corp. Google’s failed venture as a cautionary tale. “I think the lesson learned is that you need to help folks understand what insurance is as a product,” Lyons says. To that end, The Zebra is heavily focused on educating consumers through tools like carrier comparisons and a guide titled “Insurance – in

delivering value to carriers, one of the reasons for CoverHound’s success is its focus on education and nuanced advisement. “Insurance is not a pair of shoes being sold on Amazon,” Moore says. “We feel like consumers need a trusted advisor to match them to the best carrier and not show them a

list of 30 options with prices.” Regardless of the continued importance of personal insurance consultation, agents should not interpret Google Compare’s exit as “time for a victory lap,” warns Rixford. “Agents need to remain vigilant [because] the consumer has changed over the years. Google was trying to chase that opportunity.” Now that Google has abandoned that pursuit, there is plenty of room for other companies to take its place as a leader in the online comparison space. MIT-developed Insurify recently pulled in $2 million in seed money, and Chubb last month took out a 24% stake in CoverHound. And though these comparison tools have their roots in auto insurance, they have not been shy about expressing interest in expanding their services to homeowners and small business lines. With these new players nipping at their heels, Rixford argues that now is the time for insurance agents to invest in comparative raters and other technology to meet new consumer expectations. “Don’t rest on your laurels,” he warns.

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UPFRONT

INTELLIGENCE CORPORATE ACQUIRER

TARGET

PRODUCTS COMMENTS

Brown & Brown of Oregon

Lumbermens Insurance and Risk Solutions

The acquisition leverages Brown & Brown’s position in the region to extend its services to more clients

Higganbotham

Joe N. Pratt Insurance

The merger between the two Texas brokers will give both the capacity to expand client offerings, including employee benefits

Kaiser Foundation Health Plan

Group Health Cooperative

If the proposed acquisition is approved, Kaiser will pay $1.8 billion to establish a new nonprofit insurance group

Marsh & McLennan

Celedinas Insurance Group

Celedinas is one of Florida’s premier independent agencies specializing in marine insurance and high-net-worth clients

Sun Life Financial

Employee Benefits, Assurant

The completion of the deal makes Sun Life the sixth largest benefits provider in the US

Venture Insurance Programs

Tidal Solutions

Tidal serves the North American specialty commercial marine market with a number of industry-specific programs

Vertafore

Keal Technology

The move extends Vertafore’s customer base into Canada and enhances its international footprint

XL Catlin unveils workplace violence insurance product

Insurance agencies break record for mergers and acquisitions

The insurance agency world is getting smaller. According to the latest OPTIS Partners annual survey, mergers and acquisitions of insurance agencies hit an all-time high in 2015 – 451 transactions were reported in the United States and Canada, which easily outstrips the previous record of 357 in 2014. The 26% yearover-year increase in activity in 2015 ranks second only to 2014’s 33% spike, a portion of which is attributable to a singular tax-fueled drop-off in deals in 2013. The survey includes agencies selling property & casualty insurance, employee benefits or both. OPTIS managing director Timothy J. Cunningham noted that the ongoing surge in consolidation is “strong evidence of a steady, entrenched shift in buyer dynamics.” The actual number of sales in 2015 was greater than the 451 reported, as many buyers and sellers do not report transactions, and some acquirers do not report small transactions, Cunningham added. However, the referenced database tracks a consistent pool of the most active acquirers, including other announced deals, and is therefore a reasonably accurate indication of deal activity in the sector.

XL Catlin has responded to the surge in US workplace violence by designing a new product targeted at mid-sized businesses, particularly those in higher education, hospitality, manufacturing and healthcare. The Act of Workplace Violence and Stalking Threat Insurance addresses a number of potential expenses related to violent acts, including business interruption, employee injury and reputational damage. The product combines comprehensive expense reimbursement with access to crisis management consultants to help insureds prepare and recover.

Chubb launches new platform for cyber reports

Crawford and Company has launched a new partnership with Chubb, whose clients will receive a single point of contact and a 24/7 incident response platform to report cyber incidents. Crawford said its incident managers will help policyholders navigate the complexities of a cyber incident from start to finish, offering access to a global network of crisis management service providers. The new platform is designed to meet the needs of a wide range of international and domestic organizations, and is available to current and future policyholders who purchase cyber coverage through Chubb in Europe.

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PEOPLE Ironshore adds new cyber monitoring and alert services

Ironshore has announced that IronPro, its professional liability unit, is introducing a suite of enhanced risk management services to provide Ironshore Highly Protected Information policyholders with cyber monitoring and alert services during the life of the policy. The service generates and transmits a cyber risk warning alert to signal potential vulnerabilities or threats associated with a specific IP address, thereby indicating heightened risk exposure to the client.

Chubb expands construction product offerings

The newly merged Chubb and ACE organizations are expanding their construction portfolio to offer mid-sized firms products previously only available to larger national and international companies. Products include primary casualty, commercial umbrella liability, environmental risk, international casualty, contractor’s professional liability, contract surety, contractor’s equipment, inland marine and aerospace. Chubb is targeting a wide range of construction businesses for the expansion, including general contractors, trade contractors and environmental contractors.

Ironshore introduces new transportation coverage

Ironshore’s Specialty Casualty Transportation unit has launched a new suite of products that offer coverage enhancements specifically for transportation product manufacturers and distributors. Dubbed TransitProtect Plus, the coverage is underwritten on a primary basis with limits of up to $5 million, either on an occurrence or claims-made basis. The coverage enhancements featured in TransitProtect Plus include extensions for additional insureds and vendors, limited professional liability, garage keeper’s legal liability, and lot/batch coverage.

NAME

LEAVING

JOINING

NEW POSITION

John T. Brogan

N/A

United States Aviation Underwriters

President and COO

Anne Marie Davine

Marsh

Integro

Managing principal, professional services firms practice

Nick Garside

Allied World Assurance Co.

Novae Group

Deputy unit head, US direct & facultative unit

Donald G. Harrington

Willis Towers Watson

Lockton Cos.

Senior vice president and director of private equity

Sean Heardon

Chubb

Hiscox USA

VP and head of financial services, professional risks

Honor Jones

Marsh

Miller Insurance Services

Wholesale/facultative property book leader

Laura Kelly

Dun & Bradstreet

CoreLogic

Managing director, valuations solutions group

Andreas Kleiner

Munich Reinsurance Co. of Africa

American Modern Insurance Group

President and CEO

Maureen Le Piane

Allianz Global Corporate & Specialty

Hiscox USA

Senior vice president and head of middle market E&O, professional risks

Brandon Luckett

Kelly & Associates

Lockton Cos.

Vice president

Tony Rhodes

N/A

CNA Financial Corp.

Vice president, Baltimore branch

Ben Stone

AIG

XL Group

Senior environmental underwriter

Kieran Wilson

StarStone Syndicate

ArgoGlobal

Onshore energy underwriter

Greg Winter

Assurant Employee Benefits

Lockton Cos.

Employee benefits producer

Brian Winters

N/A

Zurich North America

Head of customer distribution and market development

Prominent MGA hires new VP

LevelFirst, a wholesale broker and MGA binding facility owned by IIAT Services, has announced the appointment of Heath McCasland as vice president. McCasland will assume the responsibility of brokering new business opportunities within the wholesale and MGA business units. McCasland has more than 20 years of experience in commercial insurance marketing, underwriting and brokerage, including 10 years as vice president and broker/producer at USG Insurance Services.

Marsh & McLennan scoops up former AIG executive

As AIG continues to shed top leadership in a bid to decrease size, other insurance firms are benefitting. Marsh & McLennan announced in early March that it has hired AIG alumnus John Doyle as president. As of April 15, Doyle will oversee Marsh’s global brokerage business. Doyle had been with AIG since he was fresh out of college and rose to lead commercial operations, one of the company’s most senior positions. AIG announced his departure as part of a series of management changes in December.

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UPFRONT

WORKERS’ COMP UPDATE NEWS BRIEFS Pennsylvania slashes workers’ comp rates Pennsylvania Governor Tom Wolf has cut workers’ compensation rates by 0.9%, effective April 1. Benefit levels for injured workers will be maintained, and the move is expected to save companies an estimated $20 million this year. The rate reduction is the fifth consecutive cut in workers’ comp for the state in as many years, which will bring the cumulative savings to $570 million. Wolf said the move will allow workers peace of mind while freeing up money for businesses to save on other resources. According to the state insurance department, 325 companies are writing workers’ compensation policies in Pennsylvania.

SECURA hires vice president of comp claims Tony Brecunier has been promoted to vice president of workers’ compensation claims at SECURA Insurance. Brecunier joined the company in 1999 with several insurance degrees and has served in various management positions since. He boasts a number of achievements, including implementing the company’s nurse hotline as director of workers’ compensation claims and improving customer service for Spanish speakers. As vice president, Brecunier will lead the claims predictive modeling efforts and assume responsibility for subrogation.

Some injuries being shifted to workers’ comp Higher fee schedules may be causing some providers to shift treatment from group health coverage to workers’ compensation, a new report from the Workers’ Compensation Research Institute finds. Soft-tissue injuries,

such as knee and shoulder strains, give doctors enough discretion to decide the injury is work-related and therefore subject to potentially more lucrative workers’ comp payments. WCRI’s Dr. John Ruser was hesitant to label these actions fraud, however. “It’s about uncertainty, and financial incentives could influence that decision,” he said.

Loss costs to increase faster than premiums this year

A new report from investment management company Conning suggests that loss costs associated with workers’ compensation could increase faster than premiums in 2016 and beyond. Conning cited three red flags for comp underwriters: an increase in accident frequency, an increase in accident severity (fatalities are rising, and hospital and drug costs are climbing faster than inflation) and evidence of cost-shifting. The report posits that the Affordable Care Act may be driving doctors to ‘leak’ group health cases into workers’ comp in order to charge more for similar services.

Comp conference spotlights the sharing economy The advancement of the sharing economy was the subject of a presentation at the recent 2016 WCRI Annual Issues & Research Conference. Forty-two percent of Americans have now used the sharing economy, according to Dr. Robert Hartwig of the Insurance Information Institute. A new survey suggests many feel there should be more regulation of the services, particularly as so few of these workers receive workers’ compensation or other benefits offered through traditional employers. Hartwig suggested that continued automation may be able to provide insights into how to better insure these employees.

Opt-out system hits snags The failures of several states to implement opt-out workers’ comp legislation signals a shift back toward traditional approaches A ruling from the Oklahoma Workers’ Compensation Commission declaring the opt-out system illegal is the latest in a line of failures for this approach to insuring workers. In March, the commission declared the opt-out system – which allows businesses to opt out of the state workers’ comp program and develop their own plans – unconstitutional, though the order is likely to be appealed to the state Supreme Court. The case that triggered the declaration involves a worker who says she was injured lifting boxes in the shoe department of a Dillard’s store in September 2014, just a year after the opt-out system was put in place. Dillard’s had opted out of the workers’ comp program and established an alternate system subject to federal law. The worker, Jonnie Yvonne Vasquez, said the Dillard’s alternative denied her request for an MRI, saying her medical condition was pre-existing and not the result of a workrelated injury. Vasquez claims that the opt-out provision endorsed by Oklahoma violates her equal protection, access to courts and due process rights. After hearing the case, the commission agreed. “A closer look at the statutorily authorized plan requirements reveals that the benefit plans permitted to be used to opt-out establish a dual system under which injured workers are not treated

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equally,” the commission said in its order. “The appearance of equal treatment under the dual system is like a water mirage on the highway that disappears upon closer inspection.” The three-person panel concluded that the opt-out provision was a “special law” and that it violates the Constitution. The decision comes just one month after the Tennessee House Consumer Affairs Committee removed an opt-out bill from the legislative calendar for the year. The bill, The Tennessee Employee Injury Benefit Alternative, borrows language from Oklahoma, which passed opt-out legislation in 2013, and Texas, which has allowed private employers to opt out of buying workers’ comp insurance for more than 100 years. The defeat is a significant one for proponents of opt-out legislation, who targeted

Tennessee as a state likely to embrace the concept. However, according to frequent workers’ compensation blogger Robert Wilson, “the sentiment toward the concept has been shifting away from opt-out for several months,” particularly as positive effects from 2013 reforms “become more apparent and the concerns about the real effect of opt-out received more publicity.” Enthusiasm for opt-out legislation has

“The appearance of equal treatment is like a water mirage on the highway that disappears upon closer inspection”

waned elsewhere as well. South Carolina was due to consider a similar proposal, allowing employers to provide injury benefit plans that are less comprehensive than state-mandated workers’ comp insurance, but the bill – introduced last May – has not been revisited so far this year.

.®

There can be no doubt that all our knowledge begins with experience. – Immanuel Kant

www.summitholdings.com

Policies are underwritten by Bridgeﬁeld Casualty Insurance Company and Bridgeﬁeld Employers Insurance Company, authorized insurers in AL, AR, FL, GA, IN, KY, LA, MS, NC, SC, TN and TX; BusinessFirst Insurance Company, authorized in FL, GA, KY, NC, SC and TN. RetailFirst Insurance company, authorized in FL; Retailers Casualty Insurance Company, authorized in AR, LA, MS and TX. ©2016 Summit Consulting LLC | 2310 Commerce Point Drive, Lakeland, FL 33801

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UPFRONT

TECHNOLOGY UPDATE

How loyal are your customers? A new analysis suggests that about half of small businesses are likely to purchase coverage directly

provided by agents. “If online sellers provide value-added self-services in addition to discounts, there may be a growing risk of disruption and disintermediation unless agents and their carriers respond in kind,” the Deloitte report said. Even more troubling is the number of survey respondents who were less than enthusiastic about their agents. While they emphasized the

“There may be a growing risk of disruption and disintermediation unless agents and their carriers respond in kind”

About half of the 751 small business owners surveyed by the Deloitte Center for Financial Services said they would be at least somewhat likely to consider buying insurance policies directly from a carrier. However, while this business model has been successful for auto insurance, the greater complexity of commercial policies and the politics associated with dropping insurance brokers has kept this from becoming a reality. The direct sale of small-business insurance in the US comprises just 1% of the market.

NEWS BRIEFS

According to a new poll from Deloitte, 83% of small business owners say they are satisfied with their current agent. However, their willingness to part with that agent is still higher than many in the broker channel would like. Close to half of those same survey respondents said they would eliminate an intermediary like an agent or broker in exchange for a relatively small discount. Even more indicated they would be willing to purchase from direct sellers if they were offered risk management advice and other value-added services currently

Insurance tech provider announces product updates

Insurance agency software developer Vertafore has announced updates to several of its products. WorkSmart, a content management and workflow solution, will now integrate with the Vertafore Agency Platform to create customizable dashboards. The Vertafore Client Portal, which provides customer selfservice capabilities and secure document share, will be accessible as a stand-alone solution. Finally, Vertafore Carrier Analytics will provide real-time data insights derived from different systems.

importance of customer service in choosing their distribution channel going forward, the majority said that other than peace of mind, they are not being provided with anything more than initial coverage and renewal quotes from their agent. In fact, six out of 10 reported that they receive no other services from their agent over and above shopping for policies. Of course, the eventual rise of direct selling for small business policies is by no means assured, but the report should be a signal to agents to stay on their toes. “It is unlikely that agents and brokers will be significantly disintermediated in the smallbusiness market any time soon,” Deloitte said. “However, additional direct initiatives will likely be launched, requiring a response by their legacy agency competitors.”

Insurance regulator probes benefits software provider

The Massachusetts Division of Insurance has joined regulators in Washington and California in investigating health benefits broker and software company Zenefits, which receives commissions when its clients sign up for insurance or benefits through its software system. The company’s founder resigned last month amid concerns over compliance licensing laws and lax culture. New CEO David Sacks has hired an outside company to investigate whether employees didn’t fully comply with licensing requirements.

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Q&A

The cyber threat in 2016 Jeremiah Tonn Senior underwriter, Management Solutions Group ZURICH INSURANCE COMPANY

Fast fact According to the World Economic Forum’s Global Risk Report 2016, businesses across all industries and of all sizes have been impacted by the increased complexity, novelty and persistence of cyber attacks

Do small and medium-sized businesses appreciate cyber threat as much as their larger corporate counterparts? While larger companies may be better equipped to absorb the cost of some breaches and continue operating, a significant breach at a small to mediumsized enterprise [SME] could be financially crippling. SMEs are becoming more aware of the threats they face. However, we are seeing that they are still struggling to understand the risks associated with cybersecurity issues, the full scope of their exposures and how best to protect themselves. Furthermore, the financial resources required for IT personnel to implement best-in-class security and privacy protocols are often limited, and many SMEs are forced to do the best they can with what they have. Large companies that share confidential information with SMEs now often require that SMEs meet minimum security and privacy requirements and obtain security and privacy insurance prior to entering into a contract.

Can you provide an insight into emerging cyber threats? The cyber landscape is a dynamic environment of ever-changing technology, evolving threats and a legal environment that is in a constant state of flux. While new issues are constantly emerging, one of the more important topics as of late has been the interconnectedness of technology and physical

Applied Systems to include QBE products

Software provider Applied Systems has announced it will give its users access to QBE Insurance products through its Applied TAM commercial lines platform. Applied Systems’ iMarket will now grant access to QBE Tradesman. “The addition of QBE Tradesman to our commercial lines panel further extends the value of eTrading to our brokers to ensure they have access to the widest range of products and services for their clients while automating business operations,” said Jeff Purdy, senior VP of international operations at Applied Systems.

things, which some refer to as the Internet of Things. In the past, remotely controlled items were primarily limited to corporate and industrial settings such as utility companies and manufacturing facilities. In today’s world, many everyday items can now be controlled over the Internet – from refrigerators, stoves and microwaves to light bulbs and doorbells. Driverless cars are on the horizon, opening up new concerns about the safety and security of embedded software systems against malware and hacking. The risk management community continues to investigate the risks associated with the Internet of Things as this very important issue continues to evolve.

What would you say to brokers who are trying to properly understand cyber risk? There are many resources that brokers can draw from, and in some cases, the amount of information to sort through can be overwhelming. Various organizations publish annual data breach or security and privacy reports, and I recommend choosing one or two from a reputable source and reviewing. It is also helpful to review questions on cyber applications from different insurers to get an idea of the types of things insurers are looking for to help them assess an applicant’s security and privacy controls and procedures. And lastly, brokers can reach out to their local underwriter. Many insurers have access to helpful information and are open to sharing their knowledge.

Insurance comparison giant exits marketplace

Just over one year after Google announced it was launching an online comparison service for auto insurance, partners with Google Compare say they were informed the company is shutting down its comparison-shopping site for auto insurance, credit cards and mortgages on a global basis. Both US and UK services will terminate March 23. In an email, Google said the auto insurance comparison site “hasn’t driven the success we hoped for,” and that the company will be “focusing more intently on AdWords and future innovations.”

Vertafore expands into Canada with acquisition

Vertafore has announced the acquisition of Canada-based Keal Technology, a leading provider of commercial management and broker systems. The move will bolster the industry software giant’s international footprint. “Keal’s products were built specifically for the Canadian marketplace,” said Jeff Hawn, Vertafore’s chairman and CEO. “As part of this acquisition, Keal will join Vertafore, but importantly, maintain its own brand and identity, which have strong reputations and recognition in the Canadian market already.”

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PEOPLE

INDUSTRY ICON

THE GREATEST BUSINESS ON EARTH J. Patrick Gallagher Jr., head of one of the world’s largest insurance brokers, talks about why the insurance industry stands above the rest

A CONVERSATION with J. Patrick Gallagher Jr. is likely to leave one with no doubt as to why insurance is a worthy career path for young job seekers. Gallagher points to Arthur J. Gallagher & Co.’s own internship program, which his father established in the 1960s. “We’ll have 300 to 350 interns globally this year,” he says. “We’re introducing young people … and we’re basically saying, ‘You’ve got to look at this incredible industry. You can be an introvert and succeed; you can be the most extroverted salesperson and succeed. If you’re a hardworking, smart person, this is the greatest business on earth.’” And why does Gallagher believe that’s the case? “Number one, it’s the most important business. There’s no global trade without insurance,” he says. “Number two, it’s huge. And number three, it’s incredibly lucrative. I don’t know anybody in my career that was good at this industry that didn’t get to the end of their career with enough money to put their kids through college and to retire comfortably.” But there’s one aspect of insurance that Gallagher says particularly piques the interest of young people. “I was in New Orleans nine days after Katrina,” he says. “It looked like an atom bomb blew up. To put that in perspective, the area of damage, if it had happened in

the UK, would have gone from Scotland to the English Channel. The federal government … didn’t put that town back together. The insurance industry put that town back together. And when we have an injured party, we’re the industry that takes them through the hospital and gets them back in their job. When your house burns down, we fix it. So what I say to young people is, ‘What other industry can say that, at the end of the day, what they do is put people’s lives back together?’ And that resonates with young people.”

of weeks during the summer,” Gallagher says, recalling his time spent working as a file boy. “I came out of that thinking I really liked those people, and it seemed to be an exciting thing to do. My grandfather was also a huge proponent and would always tell me it was the best business on the planet … I guess I’m one of those guys who was lucky enough to find his way early on.” He began working for the company full-time in 1974 as a production account executive, and was promoted to vice president of operations in 1985. He’s been

“We are out to tell people that they should trade with us, that we’re the best at advising them on their insurance, and we truly believe that. We believe we’re operating in the most important business on the planet” The family business Gallagher himself began as an AJG intern in 1972. His grandfather, Arthur James Gallagher, founded the organization, and his father also worked in the brokerage. “When I graduated from eighth grade in 1966, I went to work with my dad for a couple

president and CEO of AJG since 1995. Reflecting on two decades spent in the company’s most senior leadership role, Gallagher identifies three standout achievements. “I’m very proud of the people I’ve hired throughout my career,” he says. “I’ve been

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PROFILE Name: J. Patrick Gallagher Jr. Company: Arthur J. Gallagher & Co. Title: Chairman, president and CEO Years in the industry: 44 Fast fact: The Gallagher Foundation matches contributions to employeesâ&#x20AC;&#x2122; chosen charitable organizations. Between 2009 and 2013, the company matched $6 million in contributions.

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PEOPLE

INDUSTRY ICON

very lucky to make some very good picks. I’m also very proud of what those people have accomplished. One of the greatest blessings of my life is I’ve been at the same place full-time for 42 years, and I’m working with my best friends. That can be challenging, but it’s still very rewarding.” Finally, Gallagher points to the culture he’s helped build at AJG as one of his proudest accomplishments. “We do feel like a smaller family enterprise,” he says. “We’ve been able to keep that culture focused on our core values, which we refer to as the Gallagher Way. Those are the tenets written by my uncle in 1984, as we

agrees with those who say the industry is changing at a faster pace than ever. “I think it’s a heck of a challenge,” he says, “and that’s a big part of the fun and a big part of the importance we play for our clients in helping them deal with a world that’s becoming riskier, a world that’s becoming closer and closer, and a world where information is attainable literally instantaneously. I think the big challenge in all of that for us is to make sure that we stay very much knowledgeable about the risks our clients face and are very good at continuing to be … the best at helping them handle those risks.”

“We don’t like to lose clients, and we have a very good retention rate. And we go out aggressively to get new clients every day” became public. I travel the world and visit our offices, and I can tell you, whether I’m in an office in Australia or in Denver, that culture hangs together.” And Gallagher believes that unique culture is what sets AJG apart from its competitors around the world. “This is a very aggressive company,” he says. “We are out to tell people that they should trade with us, that we’re the best at advising them on their insurance, and we truly believe that. We believe we’re operating in the most important business on the planet.” But despite outward competitiveness, Gallagher says, “we’ve got a culture of teamwork. We get people who join us through the acquisition process and, within 30 days, they’re saying, ‘I can’t believe how supportive people are.’”

Today and tomorrow Discussing today’s landscape, Gallagher

In spite of the rapid pace of change in the industry, Gallagher says AJG will continue to focus on the same four core areas that have led the company to become the third-largest insurance broker in the world. The first of those is organic growth. “We don’t like to lose clients, and we have a very good retention rate,” Gallagher says. “And we go out aggressively to get new clients every day. “Number two,” he continues, “we want to convince the best operators in our business – in the agency/brokerage/consulting world – to join us through mergers and acquisitions. And believe me, there’s a lot of competition. So when you see us announce an acquisition, they had a lot of choice, and I’m proud that they chose to join us.” Productivity and company culture round out the company’s other areas of focus. “Those four things are the four pillars of every strategic decision we make,” Gallagher says, “and that’s what we’re focused on.”

ARTHUR J. GALLAGHER BY THE NUMBERS

21,500

Number of employees worldwide as of the end of 2015

The number of countries in which AJG currently has employees

680

The number of sales and service offices AJG maintains across the globe

$4 billion+

AJG’s total adjusted risk management and brokerage revenues for 2015

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Beyond Security®

“It Takes Discipline”

Marty Hacala Fitness Enthusiast General Star President & CEO

“Rolling out of bed at 5am every morning to work out requires discipline. It’s my way of getting the very most out of my busy day. “At General Star, we strive to get the very most out of our wholesale broker relationships. As a member of the Berkshire Hathaway family of companies, our financial strength is unsurpassed. But it’s our disciplined approach to building and maintaining profitable partnerships with a select group of brokers that drives us. “Discipline: Whether sticking with an early morning exercise regimen or standing firm with a limited number of valuable wholesale broker relationships, it remains the cornerstone of our success.” To locate the General Star broker nearest you, visit our website at www.generalstar.com.

© 2015 General Star National Insurance Company is licensed in the District of Columbia, Puerto Rico and all states. General Star National Insurance Company has its principal place of business in Stamford, CT and operates under NAIC Number 0031-11967. Insurance is placed with General Star National Insurance Company by licensed producers. General Star Indemnity Company is an eligible surplus lines insurer in all states, the District of Columbia, Puerto Rico, and the Virgin Islands. It has the status as an unlicensed insurer in California and operates under NAIC Number 0031-37362. Insurance is placed with the General Star Indemnity Company by licensed producers and, for risk that qualify, by licensed surplus lines brokers. Atlanta 404 239 6777

Chicago 312 267 8600

A.M. Best A++ XV

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Los Angeles 213 630 1930

S&P AA+

New York 212 859 3950

Stamford 203 328 5700

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FEATURES

COVER STORY: LEADING RISK MANAGERS

SPECIALIST

MANAG These 124 men and women are at the vanguard of the nationâ&#x20AC;&#x2122;s fight to minimize corporate risk, protecting their organizations against everything from collisions in space to E. coli in burgers

INDEX OF LEADING RISK MANAGERS COMPANY

PAGE

NAME

COMPANY

NAME

COMPANY

7-Eleven

Dorina Hertner

Brinker International

PAGE

Jason Shepard

ExxonMobil

PAGE

Jonathan Leather

NAME

ABB

Shevaun Macari

Cargill

Audrey Rudberg

Facebook

Brian Mullins

Adobe

Diane Cannataro

CB&I

Cindy Garst

FedEx Ground

Justin Blashock

Advance Auto Parts

David Smith

CBRE

Tim Bunt

Five Guys Enterprises

Randy Jouben

Alaska Airlines

Kelly Rankin

CH2M

Jeff Caudill

GE Capital

Rafael Rivera

Alcoa

Timothy Flaherty

Cigna

Jeffrey Rigg

General Mills

Grant Welle

Alexandria Real Estate Equities

Vahe Simitian

Cisco Systems

Leslie Lamb

General Motors

Al Gier

Amazon.com

Jana Hadley

Citibank

Ray Romano

Goodwill Industries

Bill Childs

American Express

Ashwini Gupta

City of Miami Beach

Sonia Bridges

Google

Andres Cajiao

American Red Cross

Gregory Rankin

Clean Harbors

Lou Pransky

Growmark

Leldon Bulkley

Anderson Trucking Services

Mehdi Arradizadeh

Coca-Cola Bottling Company

Douglas Tagtmeyer

Hanes Brands

Beth Kennedy

Anheuser-Busch

John Fletcher

Colliers International

Amy Swailes

Hasbro

Mark Altieri

Apple

Clark Burton

Community Health Systems

Karen Sullivan

HBO

Jamie Johnson

Archer Daniels Midland

Michael Scott

Covenant Transportation Group

Richard Reinoehl

Helena Chemical Co.

Brad Witt

AutoNation

Janet Gilstrap

Crowley Maritime

Duncan Walters

Hewlett-Packard

Kristina Colbert

Baxter International

Patty Zavala

Cushman & Wakefield

Will Sare

Hubbard Construction Company

Joe Etter

Bechtel

Partha Niyogi

Cylance

Malcolm Harkins

Ikea US

Michael Cavaliere

Bloomin' Brands

Michael Bellomo

Daimler Trucks North America

Daniel Holden

Intel

Diane Labrador

Boeing

Michael Tarling

Disney

Tim East

InterContinental Hotels

Jeff Dato

Bose

Scott Mackay

DHL

Kathleen Davies

Intrawest

Andy Lynch

Boston Properties

Julie Walker

eBay

Alan Kubitz

Intuit

Janet Nasburg

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RISK

G ERS 2016 RISK MANAGERS protect corporate America from threats of every kind. Identifying potential risks, checking business processes for weakness and identifying brokers who can become trusted partners are all part of their crucial remit. For 2016, IBA has gone behind the scenes at an eclectic mix of organizations to find out more about some of the people in this important role. The resulting list highlights a diverse

COMPANY

PAGE

range of people, businesses and coverages. There are also some great career stories, like the wannabe sports writer who ‘found’ insurance, and some unusual coverages, such as the risk manager who had to find livestock insurance ... for mice. On the following pages, you’ll get to know 125 risk managers from some of the largest and most dynamic companies in the country.

NAME

COMPANY

PAGE

NAME

COMPANY

PAGE

John Wayne Airport

Marva Thomas

Nordstrom

Janine Kral

Stericycle

Iryna Sladkevych

NAME

John Deere

Lara Baugh

Northrop Grunman

Peter Fahrenthold

Stevens Transport

William Tallent

Jones Lang LaSalle

Linda Zubowski

Norwegian Cruise Line

Alex Ponce

Stryker Corporation

Steve Jaeger

Kaiser Permanente

John Blake

PayPal

Laura Langone

Symantec

Charles Pierce Belden

Kroenke Sports & Entertainment

Katie Dolton

Penske Truck Leasing

Bob Wiehler

Target

Jackie Hourigan Rice

Life Time Fitness

Joshua Reding

Pinnacle Agriculture Holdings

Gloria Brosius

TECO Energy

Edsel Carlson

L’Oreal USA

Michael Hartman

Publix

Marc Salm

Tesla Motors

Reddy Pakanati

Los Angeles Dodgers

Michelle Darringer

Red Bull

Simon Keshishian

Toyota North America

Lance Cook

LPL Financial

Michelle Oroschakoff

Red Robin

Steven Levine

Trimont Real Estate Advisors

Jonathan Childs

Macy's

Ann Schnure

Republic Services

Robert Vryhof

Turner Construction

Larry Singerman

Marathon Oil

Pam Mihovil

Royal Caribbean Cruises

Tom Burke

Marriott Vacations Worldwide Corporation

Mary Finnell

Salvation Army

Alastair Bate

Twitter

Sami Sharaiha

McDonald's

Dave Bartlett

Uber

Gus Fuldner

Medtronic

Gary Nelson

San Francisco International Airport

Michael Warren

Under Armour

Susan O'Shaughnessy Hiteshew

MGM Grand

Mark Habersack

Siemens

Richard Bandekow

Vail Resorts

John Bocker

MillerCoors

Sheila Kiener

SkyWest Airlines

Brad Wood

Virgin Galactic

Anthony James

Mount Sinai Health System

Bonnie Portnoy

Smashburger

Carol Bowker

Visa

Mahesh Aditya

NBA

Debra Aronson

SpaceX

Mike Lutomski

Whole Foods Market

Margot Roth

Neiman Marcus

Marnie Cott

St. Joseph Health System

Lisa Ramthun

Wildlife Conservation Society

Linda Asbaty

Netflix

Terri Herrera

Starbucks

Steve Legg

Xerox

Maria Diaz

Nissan

Jason Turkovich

Starwood Hotels

Steve Truono

Zoological Society of San Diego

Dave Matthias

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FEATURES

COVER STORY: LEADING RISK MANAGERS DORINA HERTNER

Director of corporate insurance and risk management 7-Eleven Dallas, TX

As the head of 7-Eleven’s North American risk management department, Dorina Hertner is responsible for more than 10,300 properties in the Americas that are part of the world’s largest small-format neighborhood convenience store. Hertner draws on nearly two decades of expertise in both retail and hospitality to drive down 7-Eleven’s total cost of risk and provide a strategic vision for business growth. In 2013, the Dallas-Forth Worth RIMS chapter recognized her for her achievement with the DFW RIMS Distinguished Deputy Award.

KELLY RANKIN

TIMOTHY FLAHERTY

Kelly Rankin has been a member of the risk management team at Alaska Airlines for more than 15 years and has been the corporate insurance manager at Alaska Airlines and its sister carrier, Horizon Air, since 2012. With hubs in Anchorage, Seattle, Portland and Los Angeles, the airlines together serve 111 destinations within the continental US, Alaska, Hawaii, Canada, Mexico and Costa Rica.

Timothy Flaherty brings nearly 20 years of risk management and insurance experience to Alcoa, a global leader in lightweight metals technology. Responsible for managing the placements of cyber, casualty, property, owner control and builder’s risk insurance, he also oversees ’s loss prevention program. In addition, Flaherty acts as the point-person for the company’s large and complex insurance claims.

DIANE CANNATARO

PATTY ZAVALA

Diane Cannataro has been with software giant Adobe for more than 15 years, and has served as the company’s senior manager of corporate risk and insurance since 2009. She currently oversees Adobe’s global commercial property, casualty and management liability programs. An active member of the Silicon Valley RIMS Chapter, Cannataro now serves on the board of directors as the vice president of programs.

As director of risk management, Patty Zavala protects Baxter International’s interests by quantifying loss potential and executing risk strategy on a global scale for the medical device company, which offers a broad portfolio of rental and hospital products. Zavala has been with Baxter International since 1997; prior to holding her current position, she was responsible for property insurance and corporate and financial risk management.

Corporate insurance manager Alaska Airlines/Horizon Air Seattle, WA

MICHELLE DARRINGER Risk management director Los Angeles Dodgers Los Angeles, CA

Michelle Darringer joined the Major League Baseball team’s risk management department in 2012 from MGA Entertainment, where she was global risk manager for 11 years. Darringer previously held risk management positions with MGM Studios and Fox Entertainment Group. She’s also been a reserve police officer for the city of Manhattan Beach for the past 24 years.

JOSHUA REDING

Director of risk management Life Time Fitness Minneapolis, MN

Joshua Reding is in charge of risk management for Life Time Fitness, the 24/7 fitness chain that boasts 118 fitness centers throughout the US and Canada.

Senior manager of corporate risk and insurance Adobe San Jose, CA

Manager, insurance risk management Alcoa Pittsburgh, PA

Director of risk management Baxter International Deerfield, IL

VAHE SIMITIAN

Vice president of risk management Alexandria Real Estate Equities Pasadena, CA

For the past 11 years, Vahe Simitian has been vice president of risk management at Alexandria Real Estate Equities, the largest urban office real estate investment trust in the US. With a focus on developing Class A assets clustered in science and technology campuses for a diverse and high-quality tenant base, Alexandria Real Estate Equities has established market presence in Boston, San Francisco, New York City, San Diego, Seattle, Research Triangle Park in North Carolina and more. Prior to this role, Simitian was vice president at Marsh.

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23/03/2016 1:20:21 AM

MARVA THOMAS

Insurance manager John Wayne Airport Costa Mesa, CA

Marva Thomas has served as insurance manager for Orange County’s John Wayne Airport for the past two years. John Wayne Airport is a medium-sized, three-terminal international airport that sees 10 million travelers every year. As an expert in aviation risks and insurance solutions, Thomas oversees administration of the airport’s property & casualty insurance programs, working closely with the Orange County risk management team on renewals, contracts and claims handling. Thomas also manages the multicarrier aviation policies covering commercial, commuter and charter carriers, as well as the individual aircraft policies for more than 350 small privately owned aircraft on the premises. “Working with these accounts has been a good education on how these higher-profile risks are spread between domestic and offshore carriers, specialty lines, captives and risk pools,” she says. Due to its location, the airport serves as a frequent filming ground for movies and television shows, and Thomas ensures all insurance compliance for any on-site filming, as well compliance for contracts, leases, permits and special events at the airport. Thomas also played a role in allowing Uber, Lyft and other ridesharing transportation services to operate legally at the airport, making it only the second airport to do so in California. The airport’s main runway is 5,701 feet long, one of the shortest of any major airport in the nation. The airport was renamed in 1979 to honor actor John Wayne, who passed away that year and lived in neighboring Newport Beach.

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FEATURES

COVER STORY: LEADING RISK MANAGERS RAY ROMANO Chief risk officer Citibank New York, NY

Experienced risk professional Ray Romano heads Citibank’s credit, operations, model, financial risk and policy-related functions. The global banking giant provides banking, investment, wealth management services and more to millions of customers across hundreds of cities and countries. Prior to Citibank, Romano worked in risk management at multiple financial institutions including Genworth Financial, Freddie Mac and Washington Mutual (now JPMorgan Chase & Co.).

JASON SHEPARD

Director of risk, claims and insurance Brinker International Dallas, TX

Jason Shepard has been a member of the Brinker International family since the mid-1990s. The Dallasbased company owns and operates more than 1,600 restaurants in 30 countries under the brands Chili’s Grill & Bar and Maggiano’s Little Italy. In 2011, Shepard was named director of risk, claims and insurance. Designing and implementing insurance programs, managing claims and crises, and analyzing data are just a few of Shepard’s duties as the leader of Brinker International’s risk management department.

JEFFREY RIGG

MICHAEL CAVALIERE

Corporate risk and compliance manager Ikea US Philadelphia, PA

Michael Cavaliere directs and coordinates safety, security, insurance and risk management operations for all of Ikea’s entities in the US. Cavaliere started off with Ikea US as deputy risk and security manager in 2000 before assuming his current role in 2006. The ready-to-assemble furniture retailer employs more than 155,000 people in 43 countries and experiences more than 700 million visitors each year.

LOU PRANSKY

Chief risk officer Cigna Philadelphia, PA

The head of Cigna’s risk management department, Jeffrey Rigg has been with the global health service company, which boasts operations in 30 countries and 85 million customer relationships, since 2011. First serving as Cigna’s international CFO, Rigg now supervises global audit and enterprise risk management as the company’s general auditor and chief risk officer.

Vice president of risk management Clean Harbor Boston, MA

Clean Harbor’s Lou Pransky leads the risk and insurance programs for the environmental, energy and industrial services company, which is also the largest hazardous waste disposal company in North America. Overseeing a department of claims associates in multiple offices, Pransky manages all policy renewals, claims activity and a multimillion-dollar insurance budget. Pransky has held a variety of risk management positions over the past 25 years in the retail, transportation and financial industries.

LARA BAUGH

Director of risk management John Deere Moline, IL

Lara Baugh has more than 20 years of finance and risk management experience, and oversees the risk management department at John Deere, a leading manufacturer of agricultural, construction, forestry and lawn care equipment. Baugh is responsible for protecting John Deere’s assets and earnings from material loss through risk management strategy implantation and insurance program design. Baugh is also a member of RIMS and a member of the risk management executive council for FM Global.

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FEATURES

COVER STORY: LEADING RISK MANAGERS SONIA BRIDGES Risk manager City of Miami Beach Miami Beach, FL

As risk manager for the City of Miami Beach since 2012, Sonia Bridges is committed to managing the comprehensive insurance and self-insurance programs that protect the city’s assets and provide benefits to its employees, residents and the public. Prior to working for the city, Bridges spent 12 years as risk manager for Miami-Dade County, where she worked for the airport’s risk management team. In her current role, Bridges works to ensure the safety of her city, an 18.7-square-mile barrier island with Biscayne Bay to the west and the Atlantic Ocean to the east. The city has a large elderly population and anywhere between 100,000 to 300,000 visitors daily, meaning that Bridges must implement insurance and risk programs to protect residents and travelers alike. She says the most rewarding part of her job is placing insurance for an event to make sure everything occurs safely, and then seeing that event happen with no issues. Miami Beach’s population is 91,026. The city hopes to develop a light rail line that will link it to downtown Miami.

BILL CHILDS

RAFAEL RIVERA

Director of risk management Goodwill Industries Greenville, SC

Manager of insurance programs GE Capital Fairfield, CT

Bill Childs joined Goodwill in 2004 as director of risk management, where he provides leadership and direction for risk management, corporate compliance, safety and maintenance. Goodwill is one of North America’s leading nonprofit providers of education, training and career services for disadvantaged people. In 2014, local Goodwill locations collectively provided employment and training to more than 26 million individuals.

For the past 11 years, Rafael Rivera has served as insurance manager for GE Capital, GE Aviation and GE Energy Management. As the point of contact for GE’s business segments in the Americas, Rivera handles insurance due diligence for mergers and acquisitions across all lines of coverage for the conglomerate. His prior experience includes serving as risk manger at Citigroup and insurance manager at Praxair.

JONATHAN LEATHER

Treasurer, risk management ExxonMobil Houston, TX

For the past four years, Jonathan Leather has managed risk finance and insurance for global exploration, production and development exposures for ExxonMobil, the world’s largest publicly traded international oil & gas company. Leather uses his expertise to ensure programs are in accordance with industry regulation and manages Exxon’s owner-controlled insurance program. Before Exxon, Leather structured onshore property insurance programs for energy clients at Marsh.

BRIAN MULLINS

Director of risk management Facebook Menlo Park, CA

As Facebook’s director of risk management, Brian Mullins leads the risk management functions for the worldwide social networking site. A former attorney, Mullins served as head of risk management at Groupon before joining Spring Rewards and then Facebook in June 2015.

JOE ETTER

Environmental health and safety risk manager Hubbard Construction Company Orlando, FL

At Hubbard Construction Company, Florida’s largest heavy civil construction company, Joe Etter leads the environmental health and safety risk team, which seeks to reduce risk and injury. Etter also serves as the environmental and safety compliance officer for the National Registry of Environmental Professionals.

RANDY JOUBEN

Director of risk management Five Guys Enterprises Washington, DC

Randy Jouben has a diverse risk management background, boasting 26 years of experience at everything from insurance companies to prominent nonprofits. Currently, he heads the risk department at Five Guys Enterprises, the growing burger chain that now has 1,000 locations in 47 states and 6 Canadian provinces. Jouben is also involved with RIMS, where he serves as president for the Potomac chapter, and he is chairman of the professional development committee at the Disaster Recovery Institute International and a member of the National Standards & Practice Committee.

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23/03/2016 1:20:46 AM

ANDREW LYNCH

Director of risk management and insurance Intrawest Denver, CO

Since 2011, Andrew Lynch has been the director of risk management and insurance for Intrawest, a premier North American mountain resort, adventure and real estate company that also owns and operates Canadian Mountain Holidays, the world’s largest heli-skiing adventure company. Prior to joining Intrawest, Lynch was director of risk management for MediaNews Group, and also served as insurance manager for T-Mobile. For a company that owns some of North America’s most iconic mountain resorts, weather can be a major risk issue, Lynch says. Unusually warm winters or unpredictable weather events can affect operations year-to-year. The company’s heli-skiing business, which operates in the British Columbia backcountry, also presents plenty of challenges, as winter access to many of CMH’s lodges is limited to snowmobile or helicopter. More than 13,000 employees work at Intrawest.

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23/03/2016 1:20:59 AM

FEATURES

COVER STORY: LEADING RISK MANAGERS AMY SWAILES Global insurance and claims risk manager Colliers International Seattle, WA

Amy Swailes got her start in insurance right out of college in Aon’s brokerage department, placing various lines of insurance. After working her way through the ranks at Aon, Swailes became interested in client-side operations and diving deeper into operational risk. Today, she is the global insurance and claims risk manager at Colliers International, where she provides oversight for the commercial real estate company’s global risk management functions. When asked what she looks for in an insurance provider, Swailes says, “being consultative, providing innovative solutions, responsiveness, being an expert in their line of coverage and the right cultural fit.” In addition to her responsibilities at Colliers, Swailes is a member of the Risk Management and Insurance Advisory Board at Washington State University. There are 15,000 employees of Colliers International, spread across 500 offices in 67 different countries.

LELDON BULKLEY

Insurance risk manager Growmark Bloomington, IL

Multiple years of risk management experience in property, marine, casualty, crime and trade credit coverage have led Leldon Buckley to his current role as insurance risk manager with Growmark, a regional cooperative providing agriculture-related products and services and grain marketing in the Midwest and Ontario, Canada. Buckley is responsible for the design, implementation, administration and optimization of Growmark’s global risk management operations, including its captive insurance program.

BETH KENNEDY

Senior manager, global insurance risk management Hanes Brands Winston-Salem, NC

Starting in 2015, Beth Kennedy has led the global insurance risk management team at Hanes Brands, a leading manufacturer and marketer of basic apparel under several brands, including Hanes, Champion, Playtex, Bali and Wonderbra. Prior to this role, Kennedy served as a risk manager at chemical company Univar and an account executive at AH&T Insurance. She also has worked in the accounting and hospitality industries.

BRADLEY WITT

DIANE LABRADOR

Risk manager, corporate risk management and insurance Helena Chemical Co. Memphis, TN

Assistant treasurer and director of risk management Intel Santa Clara, CA

Bradley Witt is corporate risk manager for Helena Chemical Co., a $5.3 billion company that specializes in the formulation, sales, distribution and application of agricultural chemicals, fertilizer and seeds. Witt is responsible for insurance administration, risk analysis, safety/loss control, claims management, business continuity and surety bonding. In addition to his risk manager duties, Witt serves as secretary/treasurer for Helena Crop Insurance Agency. He is past president of the Memphis chapter of RIMS, and he’s also a professional member of the American Society of Safety Engineers.

Diane Labrador joined computer-chip maker Intel in 1982 and held various positions in the treasury department before her appointment to assistant treasurer in 1992. As director of risk management, Labrador is responsible for the assessment, placement, development and management of Intel’s risk programs. She is also a member of RIMS and a charter member of the Technology Insurance Risk Forum, as well as a consulting board member on multiple insurer councils.

JAMIE JOHNSON

Risk management coordinator HBO Simi Valley, CA

Jamie Johnson began her risk management career in 2007 at Warner Bros. Enter tainment Group, and later served as an entertainment insurance associate at Arthur J. Gallagher & Co. In her current position, Johnson assists in the daily risk management functions for two cable channels, HBO and Cinemax.

PARTHA NIYOGI

Risk manager, Americas Bechtel Washington, DC

Partha Niyogi assists in Bechtel’s risk management operations throughout the Americas. Since 1898, Bechtel has completed more than 25,000 projects in 160 different countries by operating through four businesses: infrastructure; nuclear, security and environmental; oil, gas and chemicals; and mining and metals. Niyogi previously worked for the risk management teams of Bechtel’s oil, gas and chemicals and power divisions.

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23/03/2016 2:54:34 AM

WILL SARE

Chief risk and governance officer Cushman & Wakefield Chicago, IL

As head of global risk, insurance and corporate governance at Cushman & Wakefield, Will Sare took charge of the risk management department following the merger of Cushman & Wakefield and DTZ Commercial Real Estate Services, where he served as global head of compliance and risk prior to the merger. With more than 43,000 employees, Cushman & Wakefield provides a variety of real estate services in more than 200 cities worldwide. Before joining Cushman & Wakefield, Sare held risk management positions at Marsh, Deloitte and UGL Limited.

TIM EAST

Director of risk management Disney Burbank, CA

A Disney employee since 1974, Tim East started in administrative services and helped provide training and support for the opening of Tokyo Disneyland in 1982. East served in a variety of risk management positions at The Disneyland Resort until assuming his position of director of risk management for The Walt Disney Company in 2000. In his current role, East is responsible for risk financing, construction insurance, government affairs and risk management for Disney’s international theme parks. He is also an instructor for the Insurance Education Association and has penned articles for a variety of risk management publications.

ALASTAIR BATE Risk manager Salvation Army West Nayack, NY

Alastair Bate is the risk manager at the Salvation Army, which operates 7,546 centers that include food distribution, disaster relief, rehabilitation centers, anti-human trafficking efforts and a wealth of children’s programs in communities across the US.

ANDRES CAJIAO

Finance manager, business risk and insurance Google San Francisco, CA

After starting at Google in 2012 as global sales finance manager, Andres Cajiao took over as finance manager of business risk and insurance for the tech powerhouse. From his post, Cajiao co-leads the financial and operational management of Google’s captive insurance company. He works with various teams to measure, control and reduce risk, including expanding the company’s supply risk management program and creating models to track the organization’s total cost of risk.

AL GIER

Global Director of risk management and insurance General Motors Detroit, MI

Al Gier has directed the risk management and insurance activities of GM’s global operations and corporate staff since 2009. GM is one of the world’s largest automotive manufacturers – it has operations and sales in more than 120 countries and upwards of $150 billion in annual revenue. In addition to his duties as global director of risk management and insurance, Gier is also president and chairman of General International Limited, GM’s captive insurance company and branch. He is also a member of RIMS and is an advisory board member for Institutional Investor.

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FEATURES

COVER STORY: LEADING RISK MANAGERS LINDA ZUBOWSKI BELL

Vice president and regional director of risk and compliance, Americas and Western Europe Jones Lang LaSalle Charlotte, NC

Since 2010, former attorney Linda Zubowski Bell has been with the risk and compliance team at Jones Lang LaSalle, a professional services and investment management firm that specializes in commercial real estate. As the company’s regional director of risk and compliance for the Americas and Western Europe, Bell is responsible for the development and implementation of risk management and compliance initiatives.

JOHN BLAKE

Director of corporate risk management Kaiser Permanente Oakland, CA

John Blake has served as director of corporate risk management at healthcare giant Kaiser Permanente for the past 12 years. In his role, Blake assesses and mitigates corporate-wide risk strategies and employs financial risk financing solutions through traditional and alternative risk transfer programs as part of the company’s insurance and reinsurance programs.

AUDREY RUDBERG

Senior insurance risk manager Cargill Minneapolis, MN

Audrey Rudberg has been in the risk management business for more than 25 years. As a senior manager in the global insurance department at Cargill, a food, agriculture, financial and industrial products and services company with 150,00 employees in 70 countries worldwide, Rudberg is responsible for procuring global management liability programs and identifying and quantifying global risk exposures. In addition to her duties as senior insurance risk manager, Rudberg also serves as president of Cargill’s captive insurance company.

MARGOT ROTH

Global director of risk management Whole Foods Market Austin, TX

Margot Roth is global director of risk management for Whole Foods Market, the supermarket chain that focuses on delivering organic and health-conscious food and products.

RICHARD REINOEHL

Vice president of risk management Covenant Transportation Group Chattanooga, TN

Since 2000, Rick Reinoehl has overseen the risk management department at Covenant Transportation Group, a transportation service provider that specializes in hauling hazardous materials. After graduating from the University of California Santa Barbara, Reinoehl worked for Safeco Insurance before joining Covenant.

PETER FAHRENTHOLD

Assistant treasurer and corporate director of risk management Northrop Grumman Falls Church, VA

Peter Fahrenthold has nearly 20 years of aviation risk management experience, beginning in 1997 when he served as managing director of risk management at Continental Airlines. Today, he heads corporate risk management for aerospace and defense technology company Northrop Grumman.

MARIA DIAZ

Global risk management Xerox Norwalk, CT

Maria Diaz currently serves as the global risk manager for Xerox, the information technology and services company headquartered in Norwalk, Connecticut.

MALCOLM HARKINS Chief information security officer Cylance Sacramento, CA

Malcolm Harkins is the global chief information security officer at Cylance, a cybersecurity products and services company focused on preventing malware and technology threats. He previously served as head of security and business continuity at Intel before becoming Intel’s first chief security and privacy officer. In his current role of chief information security officer, Harkins heads Cylance’s IT organization and oversees all aspects of information risk and security, disaster recovery, business continuity, privacy and compliance. He also works to drive peer outreach to improve the understanding of cyber risks and how to best mitigate those risks. Harkin describes cyber insurance as an interesting market that continues to evolve. “We are at a state in the world where every company is becoming a technology company,” he observes, which increases the potential of cyberrelated risks in the future. Cylance was founded in 2012 by two former McAfee employees: global CTO Stuart McClure and chief scientist Ryan Permeh.

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23/03/2016 1:21:15 AM

JUSTIN BLASHOCK

Manager, risk analysis and insurance FedEx Ground Pittsburgh, PA

Justin Blashock’s career in risk management has allowed him to work in a variety of industries, including retail, power and energy, healthcare, insurance, manufacturing, and more. Today, Blashock is manager of risk analysis and insurance for FedEx Ground, which has a presence in more than 350 destinations across the globe.

MIKE LUTOMSKI

MICHAEL TARLING

Director of risk management SpaceX Los Angeles, CA

A company that delivers supplies to the International Space Station obviously has unique risk management needs. In charge of meeting those needs is Mike Lutomski, who spent a decade serving as NASA’s risk manager for the ISS. An industry veteran with 27 years of experience in risk management, project management and engineering, Lutomski is a frequent speaker and lecturer on risk management, climate change, sustainability and human space flight.

LINDA ASBATY

GLORIA BROSIUS

Linda Asbaty handles the unique risk management needs of the Wildlife Conservation Society, an organization that strives to conserve wild places in 15 priority locations that are home to more than 50% of the world’s biodiversity. Asbaty holds a bachelor’s degree in accounting from Fordham University and an Associate in Risk Management designation from the Insurance Institute of America.

Gloria Brosius took the reins as Pinnacle’s corporate risk manager in March 2015. With more than 25 years of risk management experience, Brosius is an expert in identifying, monitoring and mitigating risk, and spearheading the development of risk management practices. Previously, Brosius was the director of risk management and insurance for FCCServices. She’s also served on the board of directors of RIMS since 2013.

JONATHAN CHILDS

Advisors, Jonathan Childs oversees the risk management needs of a global company that manages $225 billion of invested capital on more than 17,500 assets. Prior to joining Trimont, Childs served as risk manager for Post Properties, as an assistant vice president at Marsh and as a risk management consultant for lend-lease real estate at Aon.

Risk manager Wildlife Conservation Society New York, NY

Vice president of risk management Trimont Real Estate Advisors Atlanta, GA

As vice president of risk management and corporate compliance for Trimont Real Estate

Corporate risk manager Pinnacle Agriculture Holdings Denver, CO

Assistant treasurer, risk management and insurance Boeing Chicago, IL

Michael Tarling has been in the insurance business, with a focus in aviation/aerospace, for almost four decades. At Boeing, Tarling provides insurance and risk strategies for the world’s largest aerospace company and manufacturer of commercial airplanes and defense, space and security systems. Boeing’s products support customers in 150 countries within a multitude of services, including military aircraft, weapons, communications systems and performance-based logistics.

JOHN BOCKER

Director of risk management Vail Resorts Broomfield, CO

John Bocker joined Vail Resorts in 2012 as director of EHS, risk management and loss prevention. In that capacity, he’s in charge of environmental health and safety, risk management, and loss prevention for more than 200 retail and rental locations across six states. Prior to joining Vail Resorts, Bocker served as director of compliance, risk management and loss control at Smashburger. He’s also held senior risk management positions at National Entertainment Network and OfficeMax.

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23/03/2016 1:21:21 AM

FEATURES

COVER STORY: LEADING RISK MANAGERS STEVE JAEGER

LAURA LANGONE

Senior director, risk management and insurance Stryker Corporation Kalamazoo, MI

Steve Jaeger oversees risk management operations for Stryker, a medical technology company that offers a diverse array of products and services. Prior to his role at Stryker, Jaeger worked for the risk management teams at Delphi Automotive Systems, Sun Microsystems and Wells Fargo.

KATIE DOLTON

Risk and insurance manager Kroenke Sports & Entertainment Denver, CO

Katie Dolton manages insurance claims, analyzes company and league insurance and accident trends, and assists with the development and implementation of safety initiatives for Kroenke. The entertainment and management group owns and operates the Pepsi Center, the Paramount Theatre, Dick’s Sporting Goods Park, the Colorado Avalanche (NHL), Denver Nuggets (NBA), Colorado Mammoths (NLL), Colorado Rapids (MLS) and more.

Senior director of risk and insurance PayPal San Francisco, CA

The strangest thing Laura Langone ever had to find insurance coverage for in her career? Mice. While working at a biotech company, Langone had to value to cost of mice for the company’s property policy. Today, Langone is senior director of risk and insurance at PayPal, the global online payments company. Prior to joining PayPal, Langone ran the enterprise risk management and insurance program for Juniper Networks, a computer networking technology company. Langone got her start in insurance as an underwriter for AIG and has held various risk management positions since. She’s also an active member of RIMS. Her favorite thing about working in risk management, she says, is “the creativity and the ability to dig deep into different parts of an organization and understand risks from each segment” and having “the opportunity to really solve difficult questions.” There are 173 million active accounts on PayPal. PayPal is present in 203 markets and 26 currencies around the world.

SHEVAUN MACARI

VP of insurance and risk management ABB Wilton, CT

JANINE KRAL

Vice president of risk management Nordstrom Seattle, WA

Since 2006, Janine Kral has served as vice president of risk management for the upscale American fashion retailer.

JASON TURKOVICH

General manager, global risk management Nissan Nashville, TN

Currently the head of global risk management for Nissan, Infiniti and related Nissan brands, Jason Turkovich began his career as a consultant with Deloitte, working on various risk management projects for a range of clients. Turkovich is a member of the Allianz Client Advisory Board and holds a degree in risk management and insurance from the University of Georgia’s Terry College of Business.

GUS FULDNER Director of insurance Uber San Francisco, CA

When Gus Fuldner joined Uber, he had exactly zero insurance experience, and the ridesharing service was in a real bind – carriers didn’t want to cover their drivers. But Fuldner’s tenacity, meticulous nature and ability to out-think insurance lawyers resulted in a real coup: Insurance carriers dropped their objections to Uber, and many even designed programs especially for ridesharing services. “Had Gus not singlehandedly gone around the country, Uber would potentially be out of business,” Andrew Boron, former director of the Illinois Department of Insurance, told Buzzfeed. “The regulatory landscape would be vastly different.”

Shevaun Macari manages the risk management operations in the Americas for ABB, an international power and automation technology company that operates in almost 100 countries. ABB provides a range of products and solutions that enable utility, industry, transport and infrastructure customers to improve performance and lower environmental impact. Marcari previously was a VP at Security Capital Corporation.

MICHELLE OROSCHAKOFF Chief risk officer LPL Financial San Diego, CA

Michelle Oroschakoff is responsible for company-wide risk management, compliance and governance programs, and is chair of the risk and oversight committee at LPL Financial, the nation’s largest independent broker-dealer based on total revenue. She joined LPL from Morgan Stanley, where she was managing director and global chief risk officer.

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23/03/2016 1:21:28 AM

JANET NASBURG

DAVE MATTHIAS

Janet Nasburg has been leading Intuit’s risk management capabilities for the past seven years. The maker of Quicken, QuickBooks and TuboTax, Intuit offers small business, payroll, accounting and personal finance solutions to millions of people. Nasburg drives the company’s risk management processes by routinely addressing emerging risk and risk management practices to achieve the best business results. Before joining Intuit, Nasburg was senior vice president and controller with Visa, where she worked for 16 years. She’s also a member of the Institute of Internal Auditors, Institute of Certified Management Accountants and Financial Women’s Association of San Francisco.

Dave Matthias is director of risk management for the largest zoological membership society in the world, which boasts more than half a million members. The Zoological Society of San Diego is a nonprofit organization that operates the San Diego Zoo, Safari Park and Institution for Conservation Research. A former US Marine, Matthias is an expert on zoo safety and risk issues, and is responsible for risk assessment and mitigation, safety and prevention programs, and claims management for more than 5,000 employees, thousands of animals and millions of guests annually.

Chief risk officer Inuit San Francisco, CA

Director of risk management Zoological Society of San Diego San Diego, CA

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23/03/2016 1:47:17 AM

FEATURES

COVER STORY: LEADING RISK MANAGERS ANTHONY JAMES

Finance manager, treasury and risk Virgin Galactic Pasadena, CA

Anthony James heads up risk management at Virgin Galactic, entrepreneur Richard Branson’s commercial space line. James played a key role in the Virgin Galactic Group receiving significant internal investment. He also developed the company’s accounting function from scratch and oversees Virgin Galactic’s unique risk mitigation and insurance requirements.

MARK ALTIERI

Director of risk management Hasbro Pawtucket, RI

Mark Alteri heads up risk management at toymaker Hasbro, which produces such wellknown brands as Monopoly, My Little Pony, Play-Doh, Transformers and Nerf. As director of risk management, Alteri is responsible for risk retention and financing, claims management, insurance and expense budgets, and loss trend analysis.

MARNIE COTT

JANET GILSTRAP

Marnie Cott has been involved in risk management at luxury retailer Neiman Marcus since 2002. She has an Associate in Risk Management designation and nearly 14 years of experience in helping the department store minimize risk exposure, especially in the workers’ compensation arena. The manager who first hired her at the company credits her with making an impact soon after she joined Neiman Marcus: “Her initiative, innovative ideas and great use of resources helped to reduce workers’ compensation costs and incidents significantly.”

Janet Gilstrap serves as the director of risk management for AutoNation, America’s largest automotive retailer. Spanning 15 states, AutoNation owns and operates more than 300 stores and employs more than 25,000 associates. In 2015, AutoNation sold its 10 millionth vehicle – the only auto retailer ever to hit that milestone.

Director of risk management Neiman Marcus Dallas, TX

PAM MIHOVIL

Insurance and risk manager Marathon Oil Corporation Houston, TX

Pam Mihovil serves as the insurance and risk manager for Marathon Oil, the Houstonbased oil producer. She’s also a member of the Oil Insurance Limited board of directors and a member of the Zurich Energy Risk Management Council.

Director of risk management AutoNation Fort Lauderdale, FL

REDDY PAKANATI

Head of risk management Tesla Motors Los Angeles, CA

Reddy Pakanati brings more than two decades of experience in risk management to his role at electric car-maker Tesla, specializing in decision analytics, life-cycle credit and risk management, and strategy and product development. Prior to joining Tesla, Pakanati was a senior managing director at CenturyLink Cognilytics. He’s also served as the chief risk officer for the Americas at Toyota Financial Services and the director of risk management at American Express.

DOUGLAS TAGTMEYER

Director of risk and insurance Coca-Cola Bottling Company Birmingham, AL

Douglas Tagtmeyer has served as director of risk management for the Coca-Cola Bottling Company since 2012. He’s also an attorney with a deep expertise in transportation and liability insurance. “Doug has been providing strategic and substantive support and expertise to me for some time, and has always proven to possess the highest and most current knowledge, combined with a keen eye and personable delivery of opinions and recommendations,” says Charles Norton, general counsel and corporate secretary for the Coca-Cola Bottlers’ Association.

LARRY SINGERMAN

Regional insurance manager Turner Construction Anaheim, CA

As Turner Construction’s regional insurance manager, Larry Singerman takes primary responsibility for all insurance and claims matters for the Southwest region for the nation’s largest general contractor. That includes 5,200 employees working on more than 1,500 projects each year, but Singerman, who’s served in the role for more than a decade, has the expertise for the job. He holds certifications as a Construction Risk Insurance Specialist from the International Risk Management Institute and an Associate in Risk Management from the Insurance Institute of America.

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23/03/2016 1:21:39 AM

DANIEL HOLDEN

Corporate risk and insurance manager Daimler Trucks North America Portland, OR

Daniel Holden got his start in insurance during an on-campus interview at Oregon State University. A journalism major with his heart set on a career in sports writing, Holden took a position at an insurance company as a claims adjuster right out of college to help pay off his student loans. He never did get back to sports writing – today, Holden heads up corporate risk and insurance for Daimler Trucks North America, a multinational truck manufacturer that has a total annual revenue of $15 billion. Before Daimler, Holden worked as a senior workers’ compensation consultant for Marsh USA, specializing in truck transportation accounts, which gave him the sector experience he needed to shift into his current role. As manager of corporate risk and insurance, Holden is in charge of all of Daimler Trucks North America’s insurance programs, including product liability, auto, property, workers’ compensation, inland marine and cargo. When looking at insurance providers, Holden cites “financial strength, longevity and reputation” as key factors. A published author, Holden has written for a variety of US and Canadian magazines and newspapers on topics ranging from history and sports to risk management. He is also the author of two books. In 2014, he was awarded with Liberty Mutual’s Responsibility Leader Award. Daimler Trucks North America produces 141,000 units annually. More than 20,000 people are employed by Daimler Trucks North America and its affiliates.

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23/03/2016 1:21:45 AM

FEATURES

COVER STORY: LEADING RISK MANAGERS SCOTT MACKAY Risk manager Bose Boston, MA

As Bose’s risk manager, Scott Mackay is in charge of daily risk assessment and management at one of the world’s largest audio technology developers and product manufacturers, best known for their home entertainment systems and speakers. Mackay specializes in underwriting and placement of workers’ compensation, auto liability, products and general liability, international liability, inland marine, cargo, and worldwide property insurance.

JACKIE HOURIGAN-RICE

EVP and chief risk and compliance officer Target Minneapolis, MN

Jackie Hourigan-Rice brings more than 18 years of legal and compliance experience to her role as Target’s executive vice president and chief risk and compliance officer. In that role, she oversees enterprise risk management, compliance, vendor management and corporate security. Prior to joining the retail giant in 2014, Rice served as the chief compliance officer for General Motors, leading a global team of lawyers and compliance officers in developing compliance programs on topics such as anti-corruption, export controls, data privacy and ethics.

KATHLEEN DAVIES

Vice president of insurance and risk management, Americas region DHL Westerville, OH

Throughout her career, Kathleen Davies has managed billions of dollars in risk and insurance. At global logistics provider DHL, Davies is in charge of global insurance procurement, loss control and risk financing, including captives, self-insurance, derivative and other risk transfer protocol. Previously, she was vice president of risk management with Limited Brands, which owns Victoria’s Secret, Bath & Body Works, Express, The Limited and Henri Bendel. Davies also has held risk management positions with Cigna and Burger King Corporation, where she developed Burger King’s risk program as the vice president of safety and risk management.

DEBRA ARONSON Risk manager NBA New York, NY

When Debra Aronson went to the University of Georgia, she already knew that a career in risk and insurance beckoned, which is why she chose a degree in that field. An internship in Australia was followed by two years at Aon, four years at Arthur J. Gallagher and three more at Prudential Financial. All of these roles laid a solid foundation for her current job as risk manager at one of the world’s best-known sports associations.

MEHDI ARRADIZADEH

KRISTINA COLBERT

Mehdi Arradizadeh is director of risk management at Anderson Trucking Services, a global highway, maritime, projects and logistics transportation service. Arradizadeh runs the company’s day-to-day risk management and safety operations to ensure cost-effective claims management, including the handling of complex, serious injury, highexposure and workers’ compensation claims.

Responsible for managing the processes to identify Hewlett-Packard’s most significant risks, Kristina Colbert oversees the enterprise risk management for the technology company known for its personal computers and printers. Colbert has diverse experience in risk and insurance that spans more than 25 years, having worked for companies such as Willis Towers Watson, Clorox, AIG and Chubb.

Director of risk management Anderson Trucking Services St. Cloud, MN

Enterprise risk manager Hewlett-Packard San Francisco, CA

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MICHAEL BELLOMO

Director of risk management Bloomin’ Brands Jacksonville, FL

MARK HABERSACK Director of risk management MGM Grand Las Vegas, NV

Mark Habersack’s insurance career spans more than a quarter of a century and has varied from resorts and gaming to aviation. Habersack has always had an active interest in helping serve the insurance community and helped found the Nevada chapter of RIMS. His latest role at the MGM Grand is a return to the casino industry after a sixyear stint in the Clark County Aviation Department. The MGM Grand boasts more than 170,000 square feet of gaming space and a number of international acts; most recently, the hotel hosted a Clinton/Sanders debate showdown.

Before leading the risk management team at Bloomin’ Brands, Michael Bellomo held similar positions at Winn-Dixie, Wells Fargo, Coca-Cola, Nordstrom and Marriott International. Today, he heads up risk management for one of the world’s largest casual dining companies, which boasts more than 1,500 restaurants throughout 48 states, Puerto Rico, Guam and 21 other countries. Since opening the first Outback Steakhouse in 1998, the Bloomin’ Brands family has expanded to include Carrabba’s Italian Grill, Bonefish Grill and Fleming’s Prime Steakhouse & Wine Bar.

KAREN SULLIVAN

Vice president of risk management and insurance Community Health Systems Nashville, TN

As vice president of risk management and insurance, Karen Sullivan provides oversight for risk management and insurance initiatives at Community Health Systems, the general acute care operators with more than 200 locations in 29 states.

ROBERT WIEHLER

Senior manager, insurance and risk analysis Penske Truck Leasing Reading, PA

Robert Wiehler started with Penske Truck Leasing in 2012 as insurance litigation manager. In November 2015, he took over as senior manager of insurance and risk analysis for the truck leasing company, which works in partnership with Penske Corporation, Penske Automotive Group, Mitsui & Co. and General Electric Capital.

WILLIAM TALLENT

Vice president of risk management Stevens Transport Dallas, TX

William Tallent is vice president of risk management for Stevens Transport, which specializes in multi-modal, temperature-controlled freight carriers.

ALEX PONCE

Insurance manager Norwegian Cruise Line Miami, FL

Marine insurance professional Alex Ponce has extensive experience in risk management and insurance, including expertise in commercial vessels, charter vessels, charter fleets, private pleasure yachts, marinas, ocean cargo, marine artisan coverage and more. He now serves as insurance manager for Norwegian Cruise Line, the global cruise line with 14 purpose-built freestyle cruising ships.

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FEATURES

COVER STORY: LEADING RISK MANAGERS TOM BURKE

GARY NELSON

Vice president of risk management Royal Caribbean Cruises Miami, FL

Tom Burke has been with Royal Caribbean Cruises since 2003, holding various roles before assuming his current position of vice president of risk management in May 2014. Royal Caribbean Cruises is a global cruise company that owns Royal Caribbean International, Celebrity Cruises, Pullmantur, Azamara Club Cruises and CDF Croisières de France, as well as TUI Cruises through a 50% joint venture. Together, these six brands operate 41 ships with 460 destinations on all seven continents.

TIM BUNT

LANCE COOK

Responsible for the coordination and execution of CBRE’s global risk management framework, Tim Bunt oversees the insurance, health, safety, security, environmental and enterprise risk management for the global commercial real estate and investment services company. Prior to his position as chief risk officer at CBRE, Bunt held multiple risk management positions at Tosco Corporation, Prudential Financial, Texaco and Heddington Insurance.

Lance Cook serves as risk manager for both Toyota North America and Capital One. Cook holds Certified Internal Auditor and Certified Fraud Examiner designations, and boasts wide expertise in regulatory compliance, operational audits, fraud investigation, cost containment and recovery strategies, and more. He manages the property insurance program for all of Toyota’s North American properties, including properties and manufacturing operations in Canada and Mexico.

Senior vice president and chief risk officer CBRE Group New York, NY

Risk manager Toyota North America Dallas, TX

Vice president of risk management and legal operations Medtronic Minneapolis, MN

As the vice president of risk management and legal operations for international medical device company Medtronic, Gary Nelson serves dual roles. In addition to overseeing financial management and reporting, process improvement, and IT in a legal capacity, he also manages the company’s global risk management and insurance program, including insurable risks, business interruption risks, and the corporate environmental, health, and safety function. Prior to joining Medtronic in 1993, Nelson held financial management roles at Honeywell and GE.

LESLIE LAMB

Director, global risk management Cisco Systems San Francisco, CA

Leslie Lamb is director of global risk management at computer networking company Cisco Systems, where she works to establish standards and procedures. Lamb uses her 20+ years of insurance and risk management experience to manage Cisco’s operational and business risk agendas; she also works on multiple projects involving risk identification, risk mitigation and risk financing for Cisco’s worldwide network. Lamb is also actively involved with RIMS and sits on the RIMS board of directors.

DUNCAN WALTERS

Director of risk management Crowley Maritime Jacksonville, FL

DAVE BARTLETT

Corporate vice president of insurance McDonald’s Chicago, IL

Serving 68 million customers every day in more than 100 countries, McDonald’s is the world’s largest burger brand – and Dave Bartlett is instrumental in the buying decisions for the corporate giant. Bartlett has been with McDonald’s for 13 years and is an active member of RIMS and several other similar organizations. He entered the insurance industry as a litigator, working at Bullaro, Carton & Stone and Gould & Ratner before joining McDonald’s in its litigation department.

Duncan Walters joined the insurance industry as a broker in 1985. Since then, he has spent 23 of his 25 years in risk management on the client side of the transportation logistics industry. Through the years, Walters has been involved in nearly every aspect of risk management, including handling claims, developing profitable product lines, managing broker and insurer relationships, managing captives, and more. Today, he leads the risk management team at Crowley Maritime, a marine solutions, transportation and logistics company that serves domestic and international markets.

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GREGORY RANKIN Director of risk management and finance American Red Cross Washington, DC

Volunteers constitute 90% of the American Red Cross’ total workforce. The American Red Cross has provided international assistance in 73 countries.

Gregory Rankin provides risk management oversight for the American Red Cross, the nonprofit whose mission is to prevent and alleviate human suffering in the face of emergencies by mobilizing the power of volunteers. With more than 24 years of leadership experience in a variety of industries, including pharmaceutical, technology and banking, Rankin is now responsible for all aspects of risk management finance for the humanitarian organization. He explains that the Red Cross’ large community of volunteers, mostly working in disaster or emergency areas, face potential risks on a daily basis as they carry out their work. Rankin served as a client manager at Marsh before joining logistics and supply chain company Browz prior to his tenure at the Red Cross.

EDSEL CARLSON

RICHARD BANDEKOW

For more than 20 years, Edsel Carlson has managed a diverse risk portfolio for TECO Energy, including regulated electric and gas utilities, marine transport, coal mining, real estate, and oil and gas exploration.

Richard Bandekow oversees risk management for Siemens Financial Services, a global provider of business-to-business financial solutions. Bandekow joined the Siemens family in 2006 as a senior investment analyst for Siemens Capital Company. Prior to that, he served as head equity trader for FIMCO.

Risk manager TECO Energy Tampa, FL

IRYNA SLADKEVYCH Corporate insurance manager Stericycle Chicago, IL

Iryna Sladkevych manages corporate insurance for Stericycle, which has grown from a medical waste-disposal start-up to a Fortune 1000 company offering an array of business-to-business solutions to hundreds of thousands of customers. Prior to joining Stericycle last year, Sladkevych served as an account executive for Aon Risk Solutions.

Vice president of risk management Siemens New York, NY

CHARLES PIERCE BELDEN

STEVE TRUONO

As Symantec’s cyber insurance consultant, Charles Pierce Belden focuses on building the company’s cyber insurance community, scouting out new talent and providing risk analysis. Prior to joining Symantec in February, Belden was president of THR Incorporated, which consulted with tech companies looking to merge with insurance companies to create new cyber insurance enterprises.

Steve Truono oversees risk management for Starwood Hotels & Resorts, one of the leading hotel and leisure companies in the world. Truono designs and implements risk management programs for the company’s nearly 1,200 properties in more than 100 countries. Before joining Starwood in 2005, Truono spent 13 years heading up risk management for Avon Products.

Cyber insurance consultant Symantec Pittsburgh, PA

Vice president of global risk management Starwood Hotels New York, NY

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FEATURES

COVER STORY: LEADING RISK MANAGERS ALAN KUBITZ

Global risk and insurance manager eBay San Jose, CA

SUSAN O’SHAUGHNESSY HITESHEW Senior manager, global insurance and risk management Under Armour Baltimore, MD

Susan O’Shaughnessy Hiteshew heads up global insurance and risk management for Under Armour, one of the world’s leading manufacturers of athletic apparel. In that capacity, she leads the company’s global insurance and risk transfer/financing program for all non-benefit lines of risk. Prior to joining Under Armour, Hiteshew served as an associate account executive for Travelers Insurance’s specialty and liability group.

Alan Kubitz leads global activities relating to risk and insurance at the e-commerce site, having just taking over the position in November 2015. With extensive risk management experience in a variety of industries, including logistics, insurance, healthcare and chemicals, Kubitz now promotes best practices for evaluating and managing risks by creating an organized and strategic risk-centric culture for his department. Prior to joining eBay, Kubitz was manager of risk finance and captive operations at AAA Northern California, Nevada and Utah; he also served as the Chicago chapter president of RIMS from 2008 to 2010.

CAROL BOWKER

Director of risk management Smashburger Denver, CO

STEVEN LEVINE

MICHAEL WARREN

Steven Levine brings more than 20 years of experience in the insurance and legal fields to his role as director of risk management for Red Robin. Before joining the restaurant company, Levine spent five years as director of risk management for the US Olympic Committee. He’s also served in senior risk management positions at Leprino Foods and Wild Oats Markets.

For the past eight years, Michael Warren has overseen the unique risk management needs of San Francisco International Airport, which, with $5.4 billion in direct economic impact in 2012 alone, is one of the biggest contributors to the Bay Area’s economy. Prior to this role, Warren spent 24 years as the head of risk management for the Southeastern Pennsylvania Transportation Authority.

ROBERT VRYHOF

BRAD WOOD

Director of risk management SkyWest Airlines St. George, UT

President of credit risk and global information management American Express New York, NY

Robert Vryhof heads up risk management for Republic Services, the second-largest service provider in the non-hazardous solid waste industry. Vryhof oversees the risk management needs of more than 30,000 employees serving more than 2,700 municipalities across the country. Prior to joining Republic Services, Vryhof spent 15 years as director of risk and insurance for Sunoco.

As director of risk management for SkyWest, Brad Wood directs the corporate risk and insurance programs for two regional airlines. He also supervises SkyWest’s business continuity and disaster recovery programs. Prior to his role at SkyWest, Wood served as an assistant vice president at Marsh Risk Consulting and manager of workers’ compensation for the Church of Jesus Christ of Latter-day Saints.

A 40+-year veteran of American Express, Ashwini Gupta is now the top risk management executive at one of the world’s most recognizable financial service companies. Through the years, Gupta has held a wide variety of senior positions at American Express. Since 2007, he’s been the chief risk officer and president of risk and information for American Express; he was promoted to his current role in February.

Director of risk management Red Robin Denver, CO

Vice president of risk management Republic Services Phoenix, AZ

Risk manager San Francisco International Airport San Francisco, CA

Carol Bowker has been the director of risk management for Smashburger since 2012. In that time, she’s designed and implemented the risk management and risk financing programs for the burger chain’s operations throughout the world. Prior to her service at Smashburger, Bowker headed up risk management at Boston Market, where she implemented programs that resulted in a 65% reduction in the company’s total cost of risk within just two years. She’s also served as risk manager for Richfield Hotel Management and personnel and insurance manager for Canterra Petroleum.

ASHWINI GUPTA

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LISA RAMTHUN

Vice president of risk management St. Joseph Health System Orange, CA

Lisa Ramthun is the vice president of risk management for St. Joseph Health, a $6 billion nonprofit health system consisting of 16 hospitals, plus physician organizations, home health agencies, hospice care, outpatient services, skilled nursing facilities and community outreach services across three states. Ramthun oversees risk management, patient safety, infection prevention and the central office of research administration functions for St. Joseph Health. Ramthun has 26 years of healthcare experience, most of which has been dedicated to safety and risk management; she also brings clinical expertise to her role, having begun her career as an emergency room nurse in a busy trauma center. Ramthun is a fellow of the American Society of Healthcare Risk Managers and is a Certified Professional in Healthcare Risk Management. An expert on collaborative just culture, she is a frequent speaker on risk management topics. She is also an active member of the American Society for Healthcare Risk Management and her local chapter of the Southern California Association for Healthcare Risk Management, where she has served in both volunteer and elected positions.

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FEATURES

COVER STORY: LEADING RISK MANAGERS

JOHN FLETCHER

Senior director, corporate safety and risk management Anheuser-Busch St. Louis, MO

John Fletcher is the senior director of corporate safety and risk management for Anheuser-Busch, the US arm of Anheuser-Busch InBev, which operates 15 local breweries, 17 distributorships and 23 agricultural and packaging facilities throughout the US. Best known as the producer of the Budweiser brand, the company’s numerous beer segments hold a combined 46.4% share of the US beer market.

ANN SCHNURE

Vice president of risk management Macy’s Cincinnati, OH

As the vice president of risk management for Macy’s, Ann Schnure has provided risk management oversight for the US retailer for more than 20 years.

DAVID SMITH

Director of risk management Advance Auto Parts Roanoke, VA

With more than 31 years of experience in the insurance sector, David Smith leads the risk management team at Advance Auto Parts, the nation’s largest retailer of automotive replacement parts and accessories. Prior to joining Advance Auto Parts, Smith was divisional vice president of risk management for Family Dollar Stores and president of Family Dollar Insurance. In 2010, Smith received Liberty Mutual’s Responsibility Leader Award, honoring his passion and commitment to the industry. Today, he serves on the South Carolina Captive Insurance Association’s board of directors and also speaks at various risk management conferences.

MICHAEL SCOTT

Vice president, insurance & risk management Archer Daniels Midland Decatur, IL

Michael Scott is the head of the insurance and risk management department at Archer Daniels Midland, one of the world’s largest agricultural processors and food ingredient providers. He provides oversight for the company’s global insurance programs and several insurance operations: Agrinational Insurance Company, Agrinational Ltd., AIC Seguros, ADM Insurance Company and ADM Crop Risk Services. Prior to joining ADM, Scott served as a corporate attorney for State Farm. In addition to his duties at ADM, Scott is a director and member of the audit committee of United Insurance Company.

JEFF CAUDILL

Corporate insurance manager CH2M Englewood, CO

A risk management professional with more than 25 years in the industry, Jeff Caudill works at the center of C2HM, a full-service engineering, consulting, construction and operations company. Caudill supports the company’s risk management team and is responsible for managing and administering CH2M’s global corporate insurance program. CH2M employs more than 25,000 professionals, and assists governments, cities and businesses in more than 50 countries with engineering challenges. Before CH2M, Caudill was business analyst at Stone River Technology Services and insurance risk manager at Toyota Tsusho America, the trading and supply-chain specialist for the Toyota Group.

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GRANT WELLE Risk manager, global safety and environment General Mills Minneapolis, MN

STEVE LEGG

Director of risk management Starbucks Seattle, WA

Steve Legg has been with mega coffee chain Starbucks for nearly 20 years. As director of risk management, his responsibilities include risk financing and global property & casualty insurance. For the past several years, Legg also has served on the board of the Washington State chapter of RIMS, and as chapter president.

SAMI SHARAIHA Head of risk Twitter San Francisco, CA

Sami Sharaiha heads up risk and policy operations at Twitter, as well as AdWords risk operations at Google. In those capacities, he’s responsible for minimizing fraud losses, policy abuse and negative impact to users and advertisers. At Twitter, Sharaiha leads efforts to minimize payment risk and click fraud and maximize compliance. At Google, he has developed scalable solutions to address fraud and abuse trends. He’s also improved responsiveness to customer escalations from 60% to 97%.

TERRI HERRERA

Production risk and insurance Netflix Beverly Hills, CA

As a risk manager for Netflix, Terri Herrera may well be working for the future of the entertainment industry – and that’s an industry she knows well. Starting out at Albert G. Ruben Insurance Services, Herrera was immediately immersed in showbiz, as her employer was the retail entertainment brokerage division of Aon. Since her time there, she’s managed risk and insurance placement for both Sony and Paramount before moving on to Netflix.

As the risk manager in General Mills’ global safety and environment department, Grant Welle reduces global risk of loss at one of the world’s leading food companies. General Mills operates in more than 100 countries and markets more than 100 consumer brands, including Cheerios, Yoplait, Pillsbury, Progresso and Betty Crocker. Welle is responsible for developing General Mills’ global property protection strategies. In addition, on the casualty side, he works to develop effective claim initiatives, including managing all vendors, third-party administrators and insurance companies engaged in the company’s claim programs. He also serves as a resource for all field operation safety managers and workers’ compensation coordinators in the US. Welle developed his interest in risk and insurance after taking several insurance-related courses at St. Cloud State University. Before joining General Mills, he spent 16 years at Liberty Mutual Insurance, working in various claim and customer service positions in several locations. From a risk-of-loss standpoint, Welle says he’s increasingly concerned about cyber-related risk and hazards that could potentially and significantly disrupt operations at General Mills’ manufacturing facilities. In establishing and developing partner relationships, Welle makes sure the insuring partner’s values, philosophies and culture remain aligned with those of General Mills.

Global net sales for General Mills during the 2015 fiscal year were $17.6 billion. General Mills employs 43,000 people.

MAHESH ADITYA

SIMON KESHISHIAN

Since 2014, Mahesh Aditya has overseen risk operations at credit-card giant Visa, which connects consumers, businesses, banks and governments in more than 200 countries across the globe. Through his career, Aditya has developed a deep expertise in handling the complex risk management needs of financial companies; prior to joining Visa, he served as chief risk officer for both mortgage banking and commercial banking at JPMorgan Chase. He’s also held senior risk management positions at Capital One and Citibank.

Simon Keshishian joined beverage giant Red Bull in 2010. As the company’s director of risk management for the US and Canada, he identifies and prioritizes risk, and also oversees litigation management for seven separate Red Bull entities. Prior to joining Red Bull, Keshishian worked as the general liability program manager for the University of California-Los Angeles. He’s also served as an account manager for HDI Gerling, a litigation team leader for Chubb and a litigation manager for Travelers.

Chief risk officer Visa New York, NY

Director of risk management Red Bull Los Angeles, CA

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FEATURES

COVER STORY: LEADING RISK MANAGERS

JANA HADLEY

Senior risk manager Amazon.com Seattle, WA

For the past 11 years, Jana Hadley has managed the insurance policy procurement of Amazon’s global policies for general liability, workers’ compensation, directors & officers liability, property and medical malpractice. She strives to provide successful global risk strategies and insurance programs by managing a 27-person team that focuses on reducing claims, costs and addressing risk at the growing e-commerce platform. Amazon.com now employs more than 230,000 people and, in 2015, became the most valuable US retailer by market capitalization.

CINDY GARST

Claims and insurance manager Apple Cupertino, CA

Risk manager CB&I Houston, TX

As the risk manager for the most complete energy infrastructure company in the world, Cindy Garst develops and maintains partnerships with internal customers, brokers and insurance carriers to ensure all risk management needs are met. Prior to joining CB&I, Garst served as global risk manager for Jacobs, a global construction company.

SHEILA KIENER

Corporate risk manager MillerCoors Milwaukee, WI

Graduating with a degree in business administration and management, Sheila Kiener started her career almost immediately in risk management, working initially in the energy sector. After nearly 15 years at Applied Power, she moved to APW, but when the firm declared bankruptcy, she jumped to MillerCoors, where she has been for more than 13 years.

CLARK BURTON

For nearly a decade, Clark Burton has managed Apple’s litigated and non-litigated insurance claims. He handles both liability claims against Apple and Apple’s claims against third parties, and he advises about the design and placement of Apple’s global insurance programs and global risk management initiatives. Before coming to Apple, Burton spent more than 12 years as an insurance coverage attorney.

JULIE WALKER

MARC SALM

Julie Walker has been with Boston Properties’ risk management team for more than 15 years. As risk manager, Walker is responsible for the planning, development and implementation of risk management programs for the real estate investment trust, which is one of the largest owners, managers and developers of first-class office properties in the US.

Marc Salm handles risk management for the Publix supermarket chain, which happens to be the largest employee-owned company in the world. That means overseeing the handling of all workers’ compensation and liability claims and all customer claims for a workforce of more than 175,000 employees across more than 1,100 stores throughout the Southeast.

Risk manager Boston Properties Boston, MA

Vice president of risk management Publix Lakeland, FL

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MICHAEL HARTMAN

Senior analyst, risk management L’Oreal USA Berkeley Heights, NJ

Michael Hartman serves as a senior analyst of risk management for the US operations of the France-based cosmetics manufacturer, which has a presence in more than 130 countries.

MARY FINNELL

Vice president, insurance and risk management Marriott Vacations Worldwide Corporation Orlando, FL

Since January 2014, Mary Finnell has served as the VP of insurance and risk management for Marriott Vacations Worldwide Corporation, which runs more than 60 time-share resorts around the world.

BONNIE PORTNOY

Senior director of risk management Mount Sinai Health System New York, NY

A background in both nursing and law gives Bonnie Portnoy the ideal foundation for her current role as senior director of risk management for New York City’s Mount Sinai Health System, which has more than 36,000 employees and 3,500 beds. According to a former manager, Portnoy “has an excellent understanding of medical malpractice and claims management, and also demonstrates a good working knowledge of the myriad regulatory requirements, both national and state, that govern the hospital and its operations.” Portnoy worked at New York Presbyterian Hospital for 33 years before moving to her current position last March.

JEFF DATO

Head of regional risk and reputation, Americas InterContinental Hotel Group Atlanta, GA

Since 2014, Jeff Dato has served as the senior risk executive for InterContinental Hotel Group’s Americas region, which includes 75% of IHG’s properties and 67% of its global revenue. Dato coordinates the global risk efforts of hotel safety, security and intelligence, risk financing, systems and training, and corporate risk for the hotel chain. He also serves as president of Six Continents Hotels Insurance Company, IHG’s US captive insurance company. IHG is present in nearly 100 countries and has more than 5,000 hotels under various brands, including InterContinental, Kimpton, Holiday Inn, Crowne Plaza, Hotel Indigo and HUALUXE.

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FEATURES

INLAND MARINE INSURANCE

INS AND OUTS OF INLAND MARINE What’s going on in the inland marine insurance market, and what’s ahead? A few of the experts in the sector share their thoughts ON THE evening of August 13, 2011, country music duo Sugarland was about to take the stage at the Indiana State Fair. But a stage collapse, which occurred after a gust of wind hit the roof structure, brought the event to a sudden halt. Seven people died as a result of the collapse, and another 58 were injured. In addition to the significant human toll,

the collapse also severely damaged the performers’ expensive instruments and sound equipment. Almost five years later, the Indiana State Fair stage collapse remains a salient reminder of the need for businesses to hold various insurance policies, including inland marine coverage. The inland marine line of business

is worth more than $14 billion. Frank Oleskiewicz, New York Property branch manager for General Star Insurance, says it’s traditionally very profitable and usually performs around 10 points below commercial property and package business with respect to loss ratios. “As a result, many new entrants have popped up w ith fresh capacity and

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have posed a challenge to traditional inland marine markets,” he says. “[The] obvious result will be a more competitive environment, where inland marine underwriters will need excellent data and judgment to continue producing profitable results.” Laura Bates, associate vice president of the special risk division at Burns & Wilcox, expects the industry will continue to see increasing competition in inland marine in 2016. “We’re going to see rates continue to f latten and reduce, as the market is generally soft in all the P&C areas,” she says.

Knowing the business There are still plenty of misconceptions around inland marine coverage, Bates says, particularly in terms of cargo insurance. “The biggest misconception with cargo coverage is that obtaining a certificate

of insurance from a carrier is evidence of coverage for the shipper,” she says. “However, almost all motor truck cargo policies will have exclusions and will typically only be designed to meet the legal liability of the carrier. That may not be adequate to fully cover the goods being shipped, because carriers are only responsible to the extent of their negligence. Additionally, the law or tariff restrictions

in different areas limit the liability of most carriers. Shippers actually need to purchase their own insurance to cover their goods, and not rely solely on that certificate of insurance from the carrier. “From a transportation and transit point of view,” she continues, “it’s a common misconception that international transit and domestic transit are the same. The broker needs to advise the insured of the differing laws, treaties and liabilities that come into play when international borders are crossed. The per-pound liability limit for furniture movers, for example, is very different for most carriers overseas than it is in the US.” Oleskiewicz adds that inland marine requires special training on the part of both producer and underwriter. “A general property or package underwriter or producer is unlikely to understand all of the nuances of the many classes of inland marine business written,” he says. “While it might be easy to understand business personal property within a building, it is something entirely different with the same business personal property of others within the care, custody or control of an insured and where a legal liability exists. For instance, a general property underwriter or producer may not know that the key document is a storage receipt or contract that lays out the rights and duties of each party.” Oleskiewicz emphasizes the importance

“The broker really needs to dig into the insured’s business and make sure they’re getting the right coverage and policy limits to mitigate their potential liability” Laura Bates, Burns & Wilcox

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FEATURES

INLAND MARINE INSURANCE

of continuing professional development for inland marine brokers on account of the abundant activity in the space. “There are courses and webinars offered by various trade organizations that concentrate on many classes of inland marine,” he says. “Topics are presented at basic through advanced levels. These courses provide an overview of exposures faced by insureds and the appropriate coverage response. [General Star] has also held training sessions for our producers, covering various topics designed for the specific audience.”

Product awareness Oleskiewicz says the key thing for brokers in the inland marine segment to understand is which specific coverage an insured should have, based on their unique exposures. “For example, in today’s transportation environment, trucking companies are no longer merely movers of property,” he says. “They can be freight forwarders, warehouse operators or third-party logistics operations, all of which require a coverage form that handles all facets of the insured’s exposures.” On the cargo side, Bates sees a lack of awareness pertaining to third-party carriers. “Any industry using carriers to transport their goods needs to realize that any trucker or transport carrier they hire often relies on third-party carriers,” she says. “It’s important that the third-party carriers provide proof of cargo insurance as well. The shipper might think he’s contracted with just one carrier, but actually there could be two or three involved. They need to make sure that, all the way down the chain, the coverage is there and each carrier has their own coverage.” Bates also stresses the need for inland marine protection in any industry heavily reliant on technology.

“Particularly with company hardware, companies need to make sure their limits include the cost of any cabling and installation, as well as the actual computers,” she says. “When we’re talking about software, that really is a company’s biggest resource, next to their employees.” Bates adds that companies must have adequate disaster recovery plans with respect to their data, including regular backups of computer programs and a strategy to reinstall the data in question. “If they can’t reproduce the data, there will be no insurance coverage because it just covers the cost to reproduce,” she says. “The company must be able to get that data from somewhere, and the insurance will pay for the cost to re-enter it.” Small and medium-sized businesses can present another challenge to brokers, Oleskiewicz says. “Many small to mid-sized policies

WHO NEEDS INLAND MARINE INSURANCE? According to Frank Oleskiewicz, a business needs some form of inland marine coverage if:

An insured has property in transit or off premises

An insured has property of others in their care

An insured owns property that may be at unnamed locations or of a floating nature (think jewelry, fine arts, mobile equipment)

“It is an important line of business handling very unique risk exposures. As such, it requires underwriters who can think outside the box and be flexible to new opportunities” Frank Oleskiewicz, General Star Insurance written by standard markets generally of fer a broad proper ty enhancement endorsement that provides sub-limits for several inland marine exposures, such as transit, property off premises, fine arts, accounts receivables and valuable papers,” he says. “While this may satisfy most clients, simply adding this endorsement without a sufficient review of potential or

real inland marine exposures may leave an insured without adequate limits to cover a loss.” Oleskiewicz adds that it’s also a mistake for an underwriter to assume a property enhancement endorsement is sufficient to protect the insurer’s interests. “For example, an underwriter providing a transit sub-limit without underwriting

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TOP 5 US INLAND MARINE WRITERS 1 Liberty Mutual Insurance Companies 2 CNA Insurance Companies

their potential liability,” Bates says. “Regardless of the type of transportation, shipment or storage that the insured is involved in, many businesses require inland marine insurance to protect them against unforeseen risks.”

The future for inland marine

3 AIG 4 FM Global Group 5 ACE INA Group Source: AM Best; based on direct written premiums and market share for 2014

the risk may not know whether the exposure warrants additional premium or perhaps different terms and conditions,” he says. Because the market has so many coverages and so few standard forms, “the broker really needs to dig into the insured’s business and make sure they’re getting the right coverage and policy limits to mitigate

Looking forward, there’s little doubt that the Internet of Things will substantially impact inland marine coverage, as it will a host of other product lines. “Connectivity is definitely going to present challenges impacting exposure, especially with regards to risk and pricing, and particularly for data transmission, data capture and also data storage,” Bates says. “It’s just not clear at this point to what extent.” As an example, she says, “if we think about driverless trucks, they have the potential to dramatically reduce motor vehicle accidents that are caused by human error. As such, motor truck cargo claims caused by collision could be reduced signifi-

cantly, which is the top cause of claims in motor truck cargo insurance. Clearly there’s a lot of research going on. It would only serve, from our point of view, to improve the risk by reducing the claim payments.” Olesk iew icz a lso high light s t he increasing use of data and analytics in insurance. “Underwriters are becoming – or have become – very dependent on technology and analytics to understand their business exposures and how their clients’ exposures will impact insurer results,” he says. But no matter what the future holds, Bates and Oleskiewicz both point out certain attributes that separate the best inland marine products from the rest of the pack. “Most companies utilize either ISO or AAIS coverage forms. Some companies will use these as a base to develop their own proprietary forms with enhancements,” Oleskiewicz says. “Companies that allocate resources to analyze segments of the inland marine market, work with knowledgeable producers that specialize in that segment, and then design a coverage form for that segment … will differentiate them[selves] in the market.” Bates emphasizes the need to obtain products offering broad coverage from A or higher-rated carriers with good financial strength, who also have experience and longevity in the field of inland marine. “I think applicants need to select companies with a track record in the class, rather than a new entrant who may decide to withdraw from the market because they dabble in it, and subsequently decide it’s not within their appetite,” she says. “It is an important line of business handling very unique risk exposures,” Oleskiewicz adds. “As such, it requires underwriters who can think outside the box and be flexible to new opportunities.”

www.ibamag.com

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FEATURES

AGENCY INSIGHT

Kapnick Insurance Group This Michigan-based, family-owned agency has been going strong for 70 years. IBA sat down with creative director René Carpenter to find out the secret of the firm’s success IBA: Tell us a little about Kapnick Insurance Group. What sets the agency apart?

IBA: What’s your general impression of the current state of the industry? Is it a good time to be a broker?

René Carpenter: It’s a family-owned company, which has a lot of advantages. One of the things that makes us kind of unique, being family-owned, is that it’s about more than just profitability. We have a long-term focus for our clients, our employees, our suppliers and the community. We have a shorter chain of command because we’re family-owned, and that allows us to be pretty nimble about making decisions quickly. We just have sort of a family culture rather than a corporate culture, and I think that gives us the ability to attract and retain the best talent that’s out there. Another thing about Kapnick is that a lot of our employees are involved in community service. That’s a big thing at Kapnick. It always has been, starting with our founder, Elmer Kapnick, in 1946. We allow people to take time off for community service. We have over 40 employees who are board members on nonprofits, and there are 90-plus different nonprofit organizations where Kapnick employees volunteer. Last year, 5,500 hours were donated by employees. So it’s pretty impressive how we give back.

RC: I think it’s a good time – but even during the economic downturn, our leaders saw that as an opportunity. We made it work for us. Smaller firms weren’t able to make it during that time, but we saw it as an opportunity.

IBA: So how do you thrive during tough times? Is it about attitude? Smart strategy? RC: I think it’s both. But the writing was on the wall that some of the smaller firms probably weren’t going to make it. We saw that as an opportunity for new clients. There are always clients out there to be had, and everyone needs to be insured.

IBA: Are there any challenges or opportunities affecting the industry right now? If so, how should brokers prepare?

RC: I think the whole compliance issue with healthcare reform and the ACA affects both sides – benefits and P&C. No matter what kind of insurance you do, if you’re not following all the rules and regulations, you can get some pretty big fines. I think what sets us apart is that we have three compliance attorneys on staff. They’re on top of everything, so we can communicate to our prospects and clients when something needs to be done, if they need to get a form in or meet a deadline – or the deadline’s been changed, because everything is constantly changing.

IBA: How does Kapnick support the success of its brokers and clients? RC: One thing about Kapnick is that we’re constantly investing in and researching new technology to help not only our clients, but also our internal staff so they can work smarter. We recently invested in a client management program called Epic that

THE KAPNICK PHILOSOPHY Integrity: Kapnick strives to demonstrate integrity in all areas of its business. Respect: It isn’t just a word at Kapnick; it’s a way of life. Stewardship: With nearly 5,500 volunteer hours donated to local communities, Kapnick has a passion for giving back. Innovation: Innovation is at the heart of Kapnick’s business.

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KAPNICK TIMELINE

2016

Kapnick serves more than 7,000 clients worldwide and employs more than 150 people

2007

Douglas Kapnick’s sons, Jim and Mike, purchase the business from their father, increasing staff and upgrading client offerings and services

2000s

Kapnick purchases an Ann Arbor benefits company and changes its name to Kapnick Insurance Group to reflect its growth

1990s “There are always clients out there to be had, and everyone needs to be insured”

IBA: You mentioned technology. How important is staying on the cutting edge? RC: I think it’s imperative. We’re constantly looking to see how we can streamline even more. For our clients, we’re looking into trying to figure out a solution where they can go to our website through a client portal

1980s

and have more of an ‘online banking’ experience.

In the midst of an economic downturn in Michigan, Kapnick extends its geographic reach and targets additional niche business

IBA: Finally, what’s Kapnick’s overall philosophy for success?

1976

From left: Jim Kapnick, Andrew Kapnick and Mike Kapnick

allows us to service our clients in a more streamlined fashion. We also invested in SalesForce and another program – and all three of those programs are integrated, so we can seamlessly communicate to our clients anything we need to. And we can also track the success of them getting that email, or us answering any questions they might have. We also provide a lot of training for our employees.

Kapnick becomes an Assurex Global Partner and begins to serve more businesses being bought by foreign entities or expanding overseas

RC: We have really strong core values: stewardship, integrity, respect and innovation. We don’t just sell insurance; we provide our clients with solutions. I think another thing that makes us kind of unique is our business mix. A lot of firms are either heavy on P&C or heavy on benefits. Our mix is very, very close. We have so many skilled people on both sides of the fence that we can go to a client and handle all of their needs – and provide them with a lot of consultation and direction for their business. I think that gives us a lot of leverage in the marketplace.

Douglas Kapnick purchases the agency from his father

1960s

Kapnick’s son, Douglas, joins the firm and starts to focus on areas of industry specialization

1946

Kapnick Insurance is founded in Adrian, Michigan, by Elmer Kapnick, mainly serving small business owners and local residents

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PEOPLE

CAREER PATH

FAMILY TRADITION

At the firm founded by his grandfather nearly a century ago, Tom Dawson carries on the tradition of providing insurance to the community 2015 SELLS THE COMPANY Last November, Dawson decided to sell the family business to the Marsh & McLennan. Dawson stresses that this is not an exit strategy, but rather part of the company’s financial evolution “There is a tendency for smaller agencies to sell out to larger agencies, which happens because these agency owners haven’t developed a plan to take the business into the next generation. We have”

2007

HIRES LIFE PRODUCER As part of that growth, Dawson Insurance branched out into life insurance, hiring a dedicated producer from an unlikely source “He had been in radio advertising for many years, so he [knew] how to sell. We can teach him insurance, but we can’t necessarily teach him how to sell”

1995 SELLS CROP INSURANCE BUSINESS What had been Dawson Insurance’s core product for decades was finally sold by Dawson’s father, Bob, in 1995, making Dawson Insurance a strictly independent agency that has seen some unique coverages “What is the strangest thing I’ve ever had to arrange cover for? That would be a rocket, which now sits out at the Fargo Air Museum” As a student at Southern Methodist University in Dallas, Tom Dawson considered other career choices, but ultimately chose to return to the family agency founded by his grandfather, Charles, in 1917 “If I weren’t in the insurance business, I would be working in the clothing industry”

2008 WEATHERS THE FINANCIAL CRISIS The financial collapse that decimated the housing market and left much of the country in financial ruins didn’t hurt Dawson’s business, thanks to his location “Our economy never took the hit, so home building continues to be strong – and it was also fueled in part by the oil fields in western North Dakota”

2007 REACHES A MILESTONE The agency continued to grow, eventually reaching $6 million in revenue with a complement of 40 full-time employees and 13 producers “who like to knock on doors,” as Dawson puts it “Do Google searches and get to know the industry you’re working with. And you can develop business by just picking up the phone”

1973 BEGINS WORKING AT DAWSON INSURANCE The day after graduation, Dawson returned home to Fargo to begin his career in insurance, where he’s worked directly with all types and sizes of commercial clients including complex contractors and real estate firms

1969

ATTENDS SOUTHERN METHODIST UNIVERSITY

“I followed into the family tradition. I guess there was a time I thought of going another way, but this has been my career”

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23/03/2016 3:18:07 AM

39989 B

KAUFMAN FINANCIAL GROUP

DEFINING THE WORLD OF

INSURANCE SINCE 1969. True global reach: Powered by commitment. Together by design.

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3/10/16 9:53 AM 23/03/2016 2:13:13 AM

PEOPLE

OTHER LIFE

HOUSE RULES James Dunnigan serves his community not only as the owner of his own insurance brokerage, but also as a member of the Utah House of Representatives AFTER NEARLY 30 years at the helm of Dunnigan Insurance, James Dunnigan is now representing his community in a different way: as a Republican member of the Utah House of Representatives.

TELL US ABOUT YOUR OTHER LIFE E-mail iba@keymedia.com

Dunniganâ&#x20AC;&#x2122;s path to the House started when he served as a state delegate for the Republicans in 1990. He later served as a councilman on the Taylorsville-Bennion Community Council from 1991 to 1996, after which he was elected to city council, where he stayed until 2002. That year, he won a seat in the State House, where he looks out for the interests of fellow small business owners. His work as a legislator has earned him an impressive list of accolades. In 2010, Dunnigan was named Utah Small Business Champion of the Year by the National Federation of Independent Businesses. That same year, the Utah Business Coalition awarded him the Top 30 Business Friendly Legislator Award, and he received the Meritorious Service to the Community as a Legislator Award from Taylorsville City. He was also named Legislator of the Year by the Utah Health Insurance Association for three years running.

The district Dunnigan has represented since January 1, 2003

60.3%

Percentage of electoral votes Dunnigan collected in the 2012 general election

2010

Year Dunnigan was named Utah Small Business Champion of the Year

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INSURANCE BUSINESS AMERICAâ&#x20AC;&#x2122;S

PROGRAM DIRECTORY 2016 SPRING

All the vital details on 2,648 programs from 688 providers across 192 categories www.ibamag.com

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22/03/2016 10:54:16 PM

PROGRAM DIRECTORY

SPECIALIZATION

Staying ahead through specialization As the insurance industry continues to face tough conditions, producers can stand out in an increasingly competitive marketplace by forging partnerships with E&S carriers THE INSURANCE industry is changing faster than ever before. Lambros Lambrou, CEO of Aon Risk Solutions, recently labeled the pace of change today as “absolutely unparalleled,” adding that “it almost feels like a new industrial revolution going on,” specifically highlighting the advent of smart machines and the digital era. In April 2015, the Federal Aviation Authority granted exemptions to certain major insurers, allowing them to use unmanned aerial vehicles (aka drones) to conduct specified types of insurance inspections. The sharing economy continues to be a hot topic of conversation as the industry grapples with how to effectively respond to the likes of Uber and Airbnb, both of which have soared to stratospheric heights in recent years in terms of popularity with consumers around the globe. And precisely how substantial an impact the Internet of Things will have on the insurance industry remains to be seen. Recent estimates predict there will be more than 50 billion devices connected to the Internet by 2020, which is particularly startling when you consider that the global population today is just over the 7 billion mark.

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The importance of specialization One trend evident for some time now is the willingness of an ever-increasing number of consumers buy insurance directly, including online. And that has industry professionals concerned about just how big of a threat direct insurers will pose to the broker channel. “I think we’re in the beginning stages of seeing it,” says John J. Head, president of national brokerage for Risk Placement Services. “I see [direct insurers] doing everything on the personal lines. What they’re very good at is aggregating data, and I think they’re going to start dipping their toe into commercial lines, probably on a smaller scale. If it becomes a more competitive landscape, I think we’re going to see more and more of that business direct with the carriers.” As competition increases, and online transactional capabilities become more sophisticated and widen in scope, the need

for brokers to demonstrate their value becomes greater. So how does a broker stand out from the pack and maximize their chances of success in a difficult climate? Last October, insurance management consulting firm MarshBerry released its inaugural Organic Growth Trends Survey. More than 170 independently owned insurance agencies, with an average revenue size of $15 million, responded to the survey. The top 25% of respondents said they were likely to push toward niche and industry specialization as a way to remain competitive. The average agency indicated 2.8 niches within their current book of business. Joel Berrian, president of Berrian Insurance Group, agrees with the need to specialize in today’s market. “Only through specialization can an insurance broker truly understand the needs of a particular industry segment and know the appropriate types of coverages and plan designs to offer to the customers within those

“Only through specialization can an insurance broker truly understand the needs of a particular industry segment ...” Joel Berrian, Berrian Insurance Group www.ibamag.com

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segments,” he says. Head agrees. “I think specialization is the only way to survive,” he says. “You have to bring something to your retailers and end clients if you’re a wholesaler, and specialization is, in my opinion, the only way to do it. Rarely does a generalist survive in a

this business a transaction are always going to survive. “Ultimately, people buy insurance to get claims paid,” he continues. “It’s as simple as that. I always think it’s balance-sheet protection, no matter if you’re a restaurant or a Fortune 500 company. You’re really

“The people who are willing to dig a little bit deeper and not just make this business a transaction are always going to survive” John J. Head, Risk Placement Services soft market. People are coming to you for your expertise, for your understanding of the policy, for your understanding of their business [and] for your understanding of the underwriters that write that type of business. If you’re not a specialist, I think it’s going to be a very difficult market to stay around in.” But Head also says there’s a lot of opportunity in today’s market for brokers. “I think the opportunities are to become creative,” he says. “There’s a lot of capacity out there. It’s how you’re deploying that capacity – what advantage are you bringing to your customer to help separate yourself from the pack? The people who are willing to dig a little bit deeper and not just make

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protecting your balance sheet and your assets. And I think if you can show that you have a strong ability to pay claims via a carrier partner [and] an understanding of the claims process, that can help differentiate you as well. Frankly, that’s how we have sold against some of the newer capacity coming into the marketplace, because they have no experience paying claims. At the end of the day, I do know that certain carrier partners are always going to step up and pay those claims, based on their history.”

Excess and surplus lines Becoming a specialist broker might involve focusing on coverage solutions currently

not provided by the standard market. And according to AM Best’s latest Surplus Lines Market Report (released in August 2015), as new exposures arise, the excess and surplus lines market commonly provides the greatest – or even the only – solution for retail producers and insureds seeking insurance protection against those exposures. “AM Best expects the E&S lines will continue to record minimal to moderate growth in direct written premium with an associated favorable impact on their underwriting performance,” says Robert Raber, a senior financial analyst at the company. “As always, the opportunity is in risks that are unique or emerging in the market. In the recent past, this has been areas such as ridesharing services and other mobile app-based service providers. Currently we are seeing exposures such as drones, 3D printers, marijuana-based business (where legalized in the US) and some cyber coverages receive more attention from E&S companies and brokers.” As the risk landscape continues to evolve, it will be essential for brokers to be able to offer a range of insurance products designed for new exposures. Brokers who thoroughly understand their clients’ businesses can reinforce their value to customers as indispensable partners, integral to ensuring clients’ insurance needs are met. “We need to develop very industryspecific insurance – not just insurance that’s broad coverage, but drill it down via policy wording, sub-limits, etc.,” Head says. “You can really make a difference in this market. Because there is a lot of capacity, the carriers are willing to get very creative. We have some carriers right now that will expand their primary limits in the event of catastrophic loss because they’re going to be around long-term. They’re already planning and knowing events are going to happen. You have to be creative in what you’re doing. “The status quo of simply providing a quote or putting a shared and layered deal together just doesn’t cut it anymore,” he continues. “You have to get extremely specific about what you’re doing and how you’re differentiating yourself from your competition.”

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PROGRAM DIRECTORY

INDEX Program Accountants

Page 94

Program

Page

Community & Homeowners Associations

Computer Programming

109

Concerts

Concrete Pumps & Pumpers

Program

Page

Funeral Homes & Services

Gas/Service Stations

104

Grocery Stores

104

Hazardous Materials Hauling & Transport

Condos

100

Health Clubs/Gyms

108

Construction

Hole in One

108

Contractor's Equipment

Home Health

Contractors

Home Inspectors

Convenience Stores

104

Country Clubs, Golf Courses

Home Medical Equipment Dealers

107

Hospitality

Couriers

Hotels/Motels

Cranes & Rigging

Hull (Aviation)

Hull (Marine)

Inland Marine

110

Addiction, Drug, Alcohol

Adult Care

Adult/Gentleman's Clubs

Agribusiness

Alarm

Ambulances

Amusement Parks & Fairgrounds

Apartments

Architects & Engineers

Artisan Contractors

Assisted Senior Living

105

Associations

Auto Body

Credit Unions & Community Banks

Auto Dealers

Crop Insurance

Auto Repair & Garages

Cyber & Network Security

Insurance Agents & Brokers

Auto Transporters & Haulers

109

Dairy

Interior Design

Aviation

Dentists

Intermediate Trucking

110

Bars, Taverns, Nightclubs

Earthquake

Investors

Beauty & Barber Shops

107

Energy, Oil, Gas

Janitorial

Boat & Yacht Dealers

Entertainment

Jewelers

104

Bowling Alleys

Environmental

Kidnap, Ransom, Extortion

Builder's Risk

Equine & Horse

Landfills

Buses

109

Event

Landscaping & Lawn Care

Business Owners

Exterminators/Pest Control

104

Laundry

105

Camps

Lawyers

Cannabis

Family Entertainment Centers

Lessor's Risk

100

Farm & Ranch

Car Washes

103

Life Sciences

Cargo

110

Fast Food/Fast Casual Restaurants

104

Limousines

110

Catering

Financial Advisors/ Planners

Liquor Liability

Charitable Nonprofits

Fine Arts

Liquor Stores

105

Chemical Manufacturing & Products

Fire Protection/Sprinkler

Firearms

Child Care/Day Care

Fishing Guides

Clinical Research

Clubs & Social Groups

Coastal Property Commercial Marine

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Livestock

Logging

Long-Haul Trucking

111

Flood

Long-Term Care

107

Food Delivery Vehicles

110

Manufactured Homes

101

Foreclosure Properties

100

Manufacturers

Forestry

Marina Boat Dealers

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Program

Page

Program

Page

Marine

Public Officials

Maritime Employers Liability

Railroad

111

Media

Medical Equipment Manufacturers

Real Estate Agents & Brokers

Real Estate Appraisals

MediSpa

Real Estate Developers

102

Mental Health

Recreational Marine

Metal & Plastic Manufacturing

Religious Institutions

103

Mining

Resorts

Mobile Home & RV Parks

Restaurants

Mobile Homes

101

Retail

103

Monoline

Roofers

Mortgage Bankers & Brokers

Schools

Security Guards

Motorcycle Dealers

Self-Insured

Surety

109

Tanning Salons

107

Tattoo & Body Piercing

107

Taxis

111

Technology Professionals & Businesses

109

Temp Staffing

Title Agents

Towing

112

Trucking

112

Used Auto Dealers

USH&H

Vacant Commercial Buildings

103

Warehouses

103

Waste Haulers

Wastewater

Weddings

105

Ships & Ship Repairers

Moving Companies

111

Shopping Centers

102

Municipalities

Short-Haul Trucking

111

Museums

Small Business

Nursing Homes

Social Services

Ocean Marine

Spas/Day Spas

107

Office Buildings

101

Sporting Events

108

One-Day Event

Sports

108

Orchards & Tree Farms

Staffing

Outfitters/Guides

Storage

111

Outpatient Clinics

Owners, Landlords, Tenants

102

Parking & Valet

Pharmaceutical

Physicians

Physicians/Clinics

Pizza Delivery

105

Police/Law Enforcement

Pollution

Private Investigators

Prize Indemnification

Product Liability & Recall

Property Managers

102

Public Entites

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Page

Storage Tanks

Movie Theaters

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Program

Welding

Wind

Yacht

Youth Clubs/Sports

108

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800-874-9191 877-552-2467 800-328-8894 800-878-9891 800-822-2202 404-443-4910 818-923-6090 800-723-9414 800-752-2472 513-369-5000 800-669-4347 800-821-5558 818-933-2700 830-443-4890 888-999-8242 888-440-4381

www.aimscentral.com www.eqgroup.com www.applebyandsterling.com www.arrowheadgrp.com www.choprainsurance.com www.ckspecialty.com www.cottonlandins.com www.gasinsurance.net www.interpacificbrokers.com www.intlxs.com www.fredricksenins.com www.omega4agents.com www.rothertinsurance.com www.sierraspecialty.com www.southandwestern.com www.taga1.com www.tower-services.com www.trytoninsurance.com www.winerypak.com

603-225-5561 800-874-9191 805-583-9828 619-881-8733 818-923-6090 800-411-0083 662-335-3997 989-775-6696 559-634-1400 800-937-3497 800-669-4347 866-997-0711 503-252-5454 844-874-3772 800-492-5351 888-999-8242 888-440-4381 713-351-8490 973-292-2292

Equine & Horse Allen Financial Insurance/The Equestrian Group Agricultural Insurance Management Services Ark Agency Arlington/Roe & Co. Associations Underwriters & Ziplow Horse Insurance Catlin US Chopra Insurance Equine Insurance Specialists Equisure Great American Insurance Group Mark D. Fredricksen Insurance Services Markel Direct Momentous Insurance Brokerage Sonora Insurance Group Tejas American General Agency Tower Services

Farm & Ranch Agricultural Insurance Management Services Allen Financial Insurance/The Equestrian Group Appleby & Sterling Arrowhead General Insurance Agency Chopra Insurance Ck Specialty Insurance Associates Cottonland Insurance Group General Agency Services Inter-Pacific Insurance Brokers International Excess Program Managers Mark D. Fredricksen Insurance Services Omega Insurance Solutions Ron Rothert Insurance Services Sierra Specialty South & Western Tejas American General Agency Tower Services Tryton Insurance Group Winery Pak Insurance Programs

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PROGRAM DIRECTORY

Livestock

W MW Willis Programs FeedLotGuard® www.willisprograms.com

603-334-3084

A program specifically designed for the cattle feeding industry. It is the only cattle feedlot program that offers a combination of commercial package and animal mortality coverages. Aquarius Insurance Services Associations Underwriters & Ziplow Horse Insurance Sonora Insurance Group Truckers Insurance Associates

www.aquarius-ins.com www.equineinsuranceagent.com www.sonorains.com www.truckers-insurance.com

0207-7480-0590 800-822-2202 830-443-4890 800-652-9515

Advanced AFG Risk Services

www.eventshield.com

203-267-4661

AmWINS Program Underwriters Arrowhead General Insurance Agency Crop Insurance of America Mark D. Fredricksen Insurance Services

www.amwins.com www.arrowheadgrp.com www.cropinsure.com www.fredricksenins.com

717-214-2800 619-881-8733 888-898-4236 800-669-4347

AmWINS Program Underwriters Arrowhead General Insurance Agency Cal-Regent Insurance Service GMI Insurance KBK Insurance Group McLeckie Insurance Group Specialty Risk Associates Surefire Insurance Agency Target Managers Insurance Services

www.amwins.com www.arrowheadgrp.com www.cal-regent.com www.gmi-insurance.com www.kbkinsgroup.com www.mcleckie.com www.specialty-risk.com www.cargoinsurancepro.com www.tmi-group.com

704-749-2700 619-881-8733 619-596-2770 610-933-4679 800-229-5927 877-905-9090 318-683-6209 818-355-2808 702-588-5310

Orchards & Tree Farms AGRIBUSINESS AUTO

AUTO Auto Body

Auto Dealers Willis Programs DealerGuard ® www.willisprograms.com

248-539-6670

A program designed to provide open lot protection for franchised and independent dealers and associations as well as finance company floorplans.

NAS Insurance: Cyber Liability for Auto Dealers www.nasinsurance.com

818-479-4305

NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying employers. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind.

Willis Programs CAR-PAC® www.willisprograms.com

813-490-4916

A program designed around the specific needs of the franchised auto, truck, and RV dealer account, providing all property and casualty coverages normally required by the typical dealer account. AmWINS Program Underwriters Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Cal-Regent Insurance Service Diversified Insurance Facilities Gerald J. Wilkoff JMR Excess & Surplus Insurance Services McLeckie Insurance Group Target Managers Insurance Services Tejas American General Agency Williams and Stazzone Insurance

www.amwins.com www.arrowheadgrp.com www.armonline.com www.cal-regent.com www.diftx.com www.wilkoffbonds.com www.jmrexcess.com www.mcleckie.com www.tmi-group.com www.taga1.com www.wsins.com

704-749-2700 619-881-8733 209-473-8938 619-596-2770 281-364-8300 516-747-0200 866-954-9990 877-905-9090 702-588-5310 888-999-8242 321-868-2000

Auto Repair & Garages Willis Programs AutoServiceGuard® www.willisprograms.com

813-490-4916

A program designed for the auto service industry, including but not limited to the following classes: car washes, gas stations, body shops, auto/truck repair and convenience stores with gas. Abram Interstate Insurance Services All Risks, Ltd. Alliant Specialty Insurance Services AMC Insurance Services AmWINS Program Underwriters Appalachian Underwriters

www.ibamag.com

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www.abraminterstate.com www.allrisks.com www.alliantspecialty.com www.amcinsurance.com www.amwins.com www.appund.com

800-955-4465 800-366-5810 858-541-1900 501-932-5823 704-749-2700 888-376-9633

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

AUTO

Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Bass Underwriters Brecht & Associates Cal-Regent Insurance Service Chelsea Surplus Underwriters

www.arrowheadgrp.com www.armonline.com www.bassuw.com www.brechtassoc.com www.cal-regent.com www.chelseasurplus.com

CID Insurance Services

www.cidinsurance.com

Contractors Bonding and Insurance Company Cox Specialty Markets CRES Insurance Services DMI Insurance Services Equity Partners Insurance Services Evergreen Insurance Managers Evolution Insurance Brokers Excel Insurance Services GMI Insurance Insurance Program Managers Group Insurance Programs of America JMR Excess & Surplus Insurance Services KBK Insurance Group M.J. Hall and Company McClelland and Hine McLeckie Insurance Group National Indemnity Company Old American County Mutual Pacific Coast E&S Insurance Services Pacific Gateway Insurance Agency Prime Insurance Company Quirk & Company RIC Insurance General Agency Risk Placement Services Russell Bond & Co. Scottish American SeaCoast Underwriters Shoemaker & Besser Associates Sierra Specialty Southern Cross Underwriters Southern Insurance Underwriters Sun Coast General Insurance Target Managers Insurance Services Texas Commercial Insurance Facilities TOPA Insurance Company Tri-State General Insurance Agencies USG Insurance Services W. Brown & Associates Insurance Services Western Heritage Insurance Company

www.cbic.com www.coxspecialty.com www.cresprograms.com www.dmi-insurance.com www.epinsurance.com www.evergreeninsmgrs.com www.eibdirect.com www.excelins.com www.gmi-insurance.com www.ipmg.us www.ipoausa.com www.jmrexcess.com www.kbkinsgroup.com www.mjhallandcompany.com www.mhi-tx.com www.mcleckie.com www.nationalindemnity.com www.countymutual.com www.pacificcoastes.com www.pgiainsurance.com www.primeis.com www.quirkco.com www.ric-ins.com www.rpsins.com www.russellbond.com www.scottishamerican.com www.seacoastunderwriters.com www.shoemaker-besser.com www.sierraspecialty.com www.scui.com www.siuins.com www.suncoastinsurance.com www.tmi-group.com www.tcif.org www.topains.com www.tsgia.com www.usgins.com www.wbais.com www.westernheritageins.com

619-881-8733 800-224-6363 888-422-7715 817-424-5335 619-596-2770 866-595-8413 800-922-7283 ext. 2043 800-765-2242 800-648-0357 877-257-2737 800-877-2525 888-825-2740 866-450-1150 877-678-7342 877-530-0111 610-933-4679 888-377-5845 407-260-8200 866-954-9990 800-229-5927 209 948 8108 800-580-4463 877-905-9090 402-916-3000 214-561-1991 800-528-5695 800-354-4844 800-257-5590 800-299-9421 888-693-7892 866-595-8413 800-333-7226 714-550-5050 888-774-9977 717-718-8102 844-874-3772 800-682-5263 800-568-1700 800-300-8838 702-588-5310 800-256-6600 818-466-5900 410-546-6459 800-886-3897 949-851-2060 800-873-9442

www.abraminterstate.com www.usabonds.com www.arrowheadgrp.com www.atlanticspecial.com www.armonline.com www.kandkinsurance.com www.mbainsurance.net

800-955-4465 480-985-1618 619-881-8733 877-545-9100 209-473-8938 800-637-4757 480-946-1066

AGA & Associates Insurance Group

mountainvalleyins.com

All Risks, Ltd.

www.allrisks.com

American Eagle Bonding Agency Ark-La-Tex Underwriters Automotive Risk Management & Insurance Services Brecht & Associates Cal-Regent Insurance Service Delta General Agency Corporation DMI Insurance Services Gorst & Compass Insurance IMS/London American Jacobs & Associates KBK Insurance Group Metcom Excess

www.usabonds.com www.altuonline.com www.armonline.com www.brechtassoc.com www.cal-regent.com www.deltains.com www.dmi-insurance.com www.gorst.com www.imslondonamerican.com www.jacobsnow.org www.kbkinsgroup.com www.metcomexcess.com

201-773-0868 See website & call local office 480-985-1618 318-798-7703 209-473-8938 817-424-5335 619-596-2770 800-666-2678 800-877-2525 818-507-0900 214-373-3936 440-625-2690 800-229-5927 201-641-5100

Motorcycle Dealers Abram Interstate Insurance Services American Eagle Bonding Agency Arrowhead General Insurance Agency Atlantic Specialty Lines Automotive Risk Management & Insurance Services K&K Insurance Group MBA Insurance

Used Auto Dealers

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PROGRAM DIRECTORY

National Indemnity Company Strickland General Agency of Florida Texas Commercial Insurance Facilities

www.nationalindemnity.com www.sgainfl.com www.tcif.org

402-916-3000 877-669-8886 800-256-6600

Aviation Markets BancorpSouth Insurance Services. Catlin US Global Aerospace MacAfee & Edwards Private Client Insurance Group Regional Excess Underwriters Superior Access Insurance Services Transport Risk Management Voce Insurance Wholesale Connection Insurance Services

www.aviation-markets.com www.bxsi.com www.catlinus.com www.global-aero.com www.macafeeandedwards.com www.privateclientinsurancegroup.com www.regionalxs.com www.superioraccess.com www.transportrisk.com www.voceins.com www.wcis-ins.com

800-688-4901 800-486-8283 404-443-4910 404-262-3335 213-629-9777 866-540-9101 877-738-3170 800-272-7550 866-256-0227 424-204-5484 818-716-9800

ACE Recreational Marine Insurance Great American Insurance Group The Navigators Group U.S. Risk Insurance Group

www.acemarineinsurance.com www.greatamericaninsurance.com www.navg.com www.usrisk.com

215-640-2609 513-369-5000 415-217-8553 800-232-5830

www.arrowheadgrp.com www.canoninsurance.com www.cnico.com www.dunfield.biz www.fulcrumprograms.com www.geoveraholdingsinc.com www.iiabcal.org

619-881-8733 310-859-8600 800-760-5001 800-899-6922 425-453-5157 707-863-3700 800-772-8998

W MW

AVIATION

Hull

AUTO AVIATION CATASTROPHE

CATASTROPHE Earthquake Arrowhead General Insurance Agency Canon Insurance Service Century National Insurance Company Dunfield Wholesale Insurance Brokers Fulcrum Insurance Programs GeoVera Holdings IIABCal

www.ibamag.com

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

Klein & Costa Insurance Services NeitClem Wholesale Insurance Brokerage Preferred Specialty TRU R.E. Chaix & Associates Socius Insurance Services Worldwide Facilities

www.kleincosta.com www.neitclem.com www.preferredre.com www.truins.com www.rechaixinsurance.com www.sociusinsurance.com www.wwfi.com

714-918-0914 612-454-4402 803-790-4800 404-387-6954 800-369-4337 813-281-4400 678-736-6720

Flood AmWINS Group www.amwins.com

704-973-3489

CATASTROPHE COMMUNITY GROUPS AND HOUSING ASSOCIATIONS

Arlington/Roe & Co. Fidelity National Property and Casualty Insurance Group Grand General Agency Imperial Fire & Casualty Insurance Company Innovative Risk Solutions Insure Your Paradise Kistler Agency Lancer Indemnity Company Monarch E&S Insurance Services MacNeill Group Superior Access Insurance Services SWBC TRU

www.arlingtonroe.com www.fidelityonline.com www.thehelpfulpeople.com www.imperialfire.com www.irs-incorporated.com www.insureyourparadise.com www.kistleragency.com www.lancerinsurance.com www.monarchexcess.com www.macneillgroup.com www.superioraccess.com www.swbc.com www.truins.com

800-878-9891 866-373-5663 800-869-2022 888-522-8242 954-931-4795 239-656-6814 404-239-7020 516-825-2800 818-249-0100 800-432-3072 800-272-7550 210-525-1241 404-387-6954

Wind AmWINS Group www.amwins.com

704-973-3489

www.affluentip.com www.comsectorins.com www.excelins.com www.icat.com www.macneillgroup.com www.sigmaprograms.com www.usrisk.com www.usrisk.com

877-275-2335 ext.39 205-776-1600 877-530-0111 303-447-1155 800-432-3072 954-893-1735 800-232-5830 800-232-5830

COMMUNITY GROUPS AND HOUSING ASSOCIATIONS Associations Willis Programs CommunityAssociationGuardSM www.willisprograms.com

603-334-3029

A program for homeowners associations (HOAs), community associations (POAs) or planned communities (PUDs) that require insurance on their common-area property and liability. Blais Excess & Surplus Agency of Texas Centurion Insurance Group Charity First CID Insurance Programs Distinguished Programs Gateway Specialty Insurance Great American Insurance Group, Executive Liability Division Ian H. Graham Insurance Jorgensen & Company Monarch E&S Insurance Services Preferred Property Programs RV Nuccio & Associates The McGowan Companies Western World Insurance Group

www.blaisexcess.com www.centurionusa.com www.charityfirst.com www.cidinsurance.com www.distinguished.com www.gatewayspecialty.com www.greatamericaneld.com www.ihginsurance.com www.jorgensenandcompany.com www.monarchexcess.com www.ppp-quotes.com www.rvnuccio.com www.mcgowancompanies.com www.westernworld.com

512-894-3460 800-258-3056 415-536-8438 800-922-7283 888-355-4626 877-977-4474 312-385-4250 800-621-2324 201-447-4400 818-249-0100 877-547-4671 800-567-2685 800-545-1538 201-847-8600

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PROGRAM DIRECTORY

Clubs & Social Groups Alliance of Nonprofits for Insurance, Risk Retention Group Charity First HCC Specialty/Professional Indemnity Agency K&K Insurance Group Monarch E&S Insurance Services Northern States Agency RCA Insurance Group

W MW www.insurancefornonprofits.org www.charityfirst.com www.piaint.com www.kandkinsurance.com www.monarchexcess.com www.nsa-mga.com www.rca-insurance.com

831-621-6018 415-536-8438 914-242-7845 800-637-4757 818-249-0100 800-328-0828 800-526-0147

www.abraminterstate.com www.distinguished.com www.charityfirst.com www.cidinsurance.com www.ciuins.com www.gatewayspecialty.com www.ihginsurance.com www.kdisonline.com www.monarchexcess.com www.morstan.com www.ppp-quotes.com www.quotenbind.com www.mcgowancompanies.com

800-955-4465 888-355-4626 415-536-8438 800-922-7283 904-285-7683 877-977-4474 800-621-2324 877-807-8708 818-249-0100 516-488-4747 732-834-9800 213-293-4802 800-545-1538

www.amwins.com www.arrowheadgrp.com www.cig-llc.biz www.cip-stl.com www.constructioninsuranceservices.com www.coverx.com www.monarchexcess.com www.omega4agents.com www.psrllc.com www.qsr-insurance.com www.truins.com www.regencyinsurancebrokerage.com www.sbic.com www.wrapupsolutions.com

704-749-2700 619-881-8733 877-737-8054 800-316-4031 214-884-1800 800-762-6837 818-249-0100 866-997-0711 770-506-3150 866-526-1545 404-387-6954 800-982-1895 206-269-8500 636-489-0185

www.surpluslines.com www.americanstrategic.com www.arspecialists.com www.atlanticspecial.com www.bmgins.com www.bostonbrokerage.com www.canoninsurance.com www.autoinsureit.com www.coventryrisk.com www.crouseandassociates.com www.distinguished.com www.empireunderwriters.com www.grapevineinsurancebrokers.com www.icat.com www.monarchexcess.com www.napcollc.com www.natlloyds.com www.nrsinsurance.com www.nsminc.com www.onpointunderwriting.com www.truins.com www.programbrokerage.com www.rpsins.com www.www.ssuga.com www.specializedinsurance.com www.specialty-lines.com www.sgainga.com www.sibrokers.com www.gotapco.com www.mcsweenyins.com www.vilageco.com www.vintageunderwriters.com

360-613-5455 866-274-8765 516-482-1881 877-545-9100 630-778-7000 866-331-1997 310-859-8600 631-758-6782 516-750-1312 415-982-3870 888-355-4626 800-758-8113 707-251-8518 303-447-1155 818-249-0100 723-549-5222 480-951-0905 973-830-8500 800-970-9778 888-996-7600 404-387-6954 866-607-8370 866-595-8413 800-554-3301 727-494-7607 630-778-7000 800-825-5742 888-495-4950 800-334-5579 856-722-5255 212-796-6109 800-488-5771

Community & Homeowners Associations Abram Interstate Insurance Services Distinguished Programs Charity First CID Insurance Programs Coastal Insurance Underwriters Gateway Specialty Insurance Ian H. Graham Insurance Kevin Davis Insurance Services Monarch E&S Insurance Services Morstan General Agency Preferred Property Programs QuoteNBind The McGowan Companies

COMMUNITY GROUPS AND HOUSING ASSOCIATIONS CONSTRUCTION

CONSTRUCTION AmWINS Program Underwriters Arrowhead General Insurance Agency Commercial Insurance Group Construction Insurance Partners Construction Insurance Services CoverXSpecialty Monarch E&S Insurance Services Omega Insurance Solutions Peachtree Special Risk Brokers Quaker Special Risk TRU Regency Insurance Brokerage Services SeaBright Insurance Company Wrap Up Insurance Solutions

Builder’s Risk Anchor Bay Insurance Managers ASI Underwriters Atlantic Risk Specialists Atlantic Specialty Lines Benchmark Management Group Boston Insurance Brokerage Canon Insurance Service Combined Resources Coventry Risk Specialty Crouse and Associates Distinguished Programs Empire Underwriters Grapevine Insurancebrokers International Catastrophe Insurance Managers Monarch E&S Insurance Services Napco National Lloyds Insurance Company National Risk Solutions NSM Insurance OnPoint Underwriting TRU Program Brokerage Corporation Risk Placement Services Southeast Surplus Underwriters General Agency Specialized Insurance Specialty Lines Underwriters Strickland General Agency Strickland Insurance Brokers TAPCO Underwriters The McSweeny Agency Vilage & Company Vintage Underwriters

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

Wholesale Connection Insurance Services Worldwide Facilities

www.www.wcis-ins.com www.wwfi.com

818-251-3507 678-736-6720

www.monarchexcess.com www.nbis.com www.norman-spencer.com

818-249-0100 866-668-NBIS 800-543-3248

www.normanspencer.com www.psrllc.com

888-713-0771 770-506-3150

Concrete Pumps & Pumpers Monarch E&S Insurance Services NationsBuilders Insurance Services Norman-Spencer Agency

Cranes & Rigging Norman-Spencer Agency Peachtree Special Risk Brokers

CONTRACTORS CONSTRUCTION CONTRACTORS

AmWINS Group www.amwins.com

704-973-3489

Freberg Environmental: Engineers, Laboratories, Consultants & Contractors www.feiinsurnace.com 800-377-41529 FEI writes many types of non-environmental engineers, analytical testing firms, laboratories and oil & gas consultants through Lloyd’s of London. Aberdeen Insurance Group Access Point Insurance Services All Risks, Ltd. American Eagle Bonding Agency AmWINS Group Anderson & Murison Apollo General Insurance Agency Appalachian Underwriters Appleby & Sterling Applied Underwriters Atlantic Risk Specialists BJW Insurance Services Blackmoor General Insurance Agency Blue River Underwriters Brazos Specialty Risk Brecht & Associates Breckenridge Insurance Services Buy a Surety Bond Ck Specialty Insurance Associates Combined Resources Construction Insurance Partners Crouse and Associates DBL Surety Empire Underwriters Erickson-Larsen FirsTier General Agency Grapevine Insurancebrokers Gremesco of New Jersey GSS Insurance Services Hull & Company IMS/London American Insurance Cloud Marketing Services Insurance Specialty Group International Catastrophe Insurance Managers Irvin B. Green & Associates James River Insurance Company Keller & Co. Klein & Costa Insurance Services Med James Midwestern Insurance Alliance Milton O. Johnston & Company

www.aberdeeninsgrp.com www.accesspointins.net www.allrisks.com www.usabonds.com www.amwins.com www.andersonmurison.com www.apgen.com www.appund.com www.applebyandsterling.com www.auw.com www.arspecialists.com www.bjwins.com www.blackmooragency.com www.blueriveruw.com www.brazosrisk.com www.brechtassoc.com www.breckis.com www.buyasuretybond.com www.ckspecialty.com www.autoinsureit.com www.cip-stl.com www.crouseandassociates.com www.dblsuretybonds.com www.empireunderwriters.com www.ericksonlarseninc.com www.firstierga.com www.grapevineinsurancebrokers.com www.gremesconj.com www.gssinsurance.com www.hullco.com www.imslondonamerican.com www.icloudmarketing.org www.insurancespecialtygroup.com www.icat.com www.ibgreen.com www.jamesriverins.com www.kellerandco.com www.kleincosta.com www.medjames.com www.mwiainsurance.com www.moj-co.com

800-845-4150 561-221-5157 800-366-5810 480-985-1618 214-561-7019 800-234-6977 800-624-5829 888-376-9633 805-583-9828 877-234-4450 516-482-1881 510-208-6625 267-495-2300 678-322-3538 877-282-7637 817-424-5335 678-322-3535 623-695-3334 800-411-0083 631-758-6782 800-316-4031 415-982-3870 386-316-2547 800-758-8113 800-284-0965 877-906-7944 707-251-8518 732-761-9904 760-947-5500 954-527-4855 214-373-3936 877-465-7473 678-742-6300 303-447-1155 877-424-7336 804-289-2700 716-874-1644 714-918-0914 800-255-6503 502-429-9990 281-444-5167

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

National E&S Insurance Brokers National Indemnity Company New Day Underwriting Managers Norman-Spencer Agency

www.nationaleands.com www.nationalindemnity.com www.newdayunderwriting.com www.norman-spencer.com

661-266-4444 402-916-3000 217-371-3732 800-543-3248

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PROGRAM DIRECTORY Omega Insurance Solutions OnPoint Underwriting Oryx Insurance Brokerage Ox Bonding Insurance Services Pacific Gateway Insurance Agency Peachtree Special Risk Brokers PGI Commercial Preferred Concepts Prime Insurance Company Ramsgate Insurance

www.omega4agents.com www.onpointunderwriting.com www.oryxinsurance.com www.oxbonding.com www.pgiainsurance.com www.psrllc.com www.pgicommercial.com www.preferredconcepts.com www.primeis.com www.ramsgateinsurance.com

866-997-0711 866-631-6555 888-462-6799 855-299-6250 800-354-4844 770-506-3150 973-631-7575 212-608-4800 800-257-5590 800-394-2767

Roush Insurance Services

www.roushins.com

800-752-8402

Risk Placement Services SafePro Insurance Services

www.rpsins.com www.safeproins.com

866-595-8413 888-411-7679

Scottish American

www.scottishamerican.com

714-550-5050

SeaBright Insurance Company Sierra Specialty SIS Insurance Services

www.sbic.com www.sierraspecialty.com www.sisinsure.com

206-269-8500 844-874-3772 760-599-7242

Southern Insurance Underwriters

www.siuins.com

800-568-1700

The Colonial Group

www.thecolonialgroup.com

CONTRACTORS

336-855-1300

The Insco Dico Group, an AmTrust North America Company www.inscodico.com The Navigators Group www.navg.com TRU www.truins.com

800-782-1546 212-244-2333 404-387-6954

USASIA Insurance Services

www.usasia-ins.com

909-618-0288

USG Insurance Services Veracity Insurance Solutions

www.usgins.com www.veracityinsurance.com

800-886-3897 866-395-1308

Western Security Surplus Insurance Brokers

www.wssib.com

469-252-7875

Wholesale Brokerage & Insurance Services

www.wholesalebrokerins.com

877-270-7362

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W MW

- Quoting - Policy Issuance - Reporting

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www.NetRate.com 71

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PROGRAM PROGRAMDIRECTORY DIRECTORY

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Wholesale Connection Insurance Services

818-716-9800

www.acesins.com www.aesins.com www.advancedesgroup.com www.allrisks.com www.amcinsurance.com www.chelseasurplus.com

510-296-5500 312-957-4041 954-842-7826 800-366-5810 800-233-2398 866-595-8413 800-922-7283 ext. 2043 800-411-0083 516-799-4200 800-441-4535 631-758-6782 800-396-6226

Artisan Contractors ACES Commercial Insurance Service Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region All Risks, Ltd. AMC Insurance Services Chelsea Surplus Underwriters

CONTRACTORS

www.www.wcis-ins.com

CID Insurance Services

www.cidinsurance.com

Ck Specialty Insurance Associates CMS Cochrane & Company Combined Resources Commonwealth Underwriters

www.ckspecialty.com www.cmsrisk.com www.cochraneco.com www.autoinsureit.com www.commund.com

Construction Insurance Solutions

www.constructioninsurancesolutions.com

Continental Risk Insurance Services Conway E & S Delta General Agency Corporation Empire Underwriters FTP Gabor Insurance GJ Sullivan Company Harbor America Joseph Krar & Associates Keller & Co. McLeckie Insurance Group

www.continentalriskins.com www.conwayes.com www.deltains.com www.empireunderwriters.com www.ftpins.com www.gaborinsurance.com www.gjsullivan.com www.hapeo.com www.jkrar.com www.kellerandco.com www.mcleckie.com

866-699-2747 800-748-9520 800-666-2678 800-758-8113 732-679-3700 786-924-7030 714-621-2300 800-845-5695 800-886-5050 716-874-1644 877-905-9090

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

N-Surance Outlets National E&S Insurance Brokers Networked Insurance Agents NIF Group Old American County Mutual Oryx Insurance Brokerage PMC Insurance Group Rockhill Insurance Company Scottish American Shelly, Middlebrooks & O’Leary Shoemaker & Besser Associates Socius Insurance Services South & Western Southern Insurance Underwriters Specialized Insurance Sun Coast General Insurance TAPCO Underwriters Texas All Risk Texas Commercial Insurance Facilities Unisource Program Administrators Vintage Underwriters Woodlands Insurance Services

www.nsoins.com www.nationaleands.com www.networkedins.com www.nifgroup.com www.countymutual.com www.oryxinsurance.com www.pmcinsurance.com www.rhkc.com www.scottishamerican.com www.shellyins.com www.shoemaker-besser.com www.sociusinsurance.com www.southandwestern.com www.siuins.com www.specializedinsurance.com www.suncoastinsurance.com www.gotapco.com www.allriskga.com www.tcif.org www.unisourcepa.com www.vintageunderwriters.com www.woodlandsinsurance.com

800-366-1450 661-266-4444 619-232-3900 516-365-7440 214-561-1991 888-462-6799 781-449-7744 816-412-1800 714-550-5050 800-342-2498 717-718-8102 813-281-4400 972-855-2900 800-568-1700 727-494-7607 800-300-8838 800-334-5579 800-627-0303 800-256-6600 888-242-3646 800-488-5771 281-367-5010

Benchmark Management Group CorRisk Solutions Global Special Risks Horizon E & S Insurance Brokerage Insential Keith D. Peterson & Company Klein & Costa Insurance Services Landscape Contractors McLeckie Insurance Group

www.bmgins.com www.corrisksolutions.com www.globalspecialrisks.com www.horizonsurplus.com www.insential.com www.keithdpeterson.com www.kleincosta.com www.lcisinc.com www.mcleckie.com

630-778-7000 631-393-1010 713-260-1030 805-494-6553 888-571-6160 804-643-7800 714-918-0914 800-628-8735 877-905-9090

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

OnPoint Underwriting South Texas General Insurance Agency Specialty Lines Underwriters Specialty Risk Associates Western World Insurance Group

www.onpointunderwriting.com www.stgia.com www.specialty-lines.com www.specialty-risk.com www.westernworld.com

866-631-6555 800-873-6500 262-737-8990 630-778-7000 201-847-8600

Zurich Programs

www.zprogramsmatch.com

866-873-0782

www.ahsi.net

888-233-1555

Contractor’s Equipment

Interior Design Affordable Home Services/The Colonial Group

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American Lumber Underwriters AmWINS Program Underwriters Aon Affinity Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Charity First Costanza Insurance Agency Diversified Insurance Facilities Edgewater Holdings Fox Point Programs GMI Insurance Herbert H. Landy Insurance Inter-Pacific Insurance Brokers International Excess Program Managers

www.aluins.com www.amwins.com www.aon.com www.arrowheadgrp.com www.armonline.com www.charityfirst.com www.costanzainsurance.com www.diftx.com www.edgewater.net www.foxpointprg.com www.gmi-insurance.com www.landy.com www.interpacificbrokers.com www.intlxs.com

800-850-9744 214-561-7019 215-293-1191 619-881-8733 209-473-8938 415-536-4037 800-346-0942 281-364-8300 312-431-1767 800-499-7242 610-933-4679 800-336-5422 559-634-1400 800-937-3497

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Overby Seawell Co. Paul Hanson Partners Specialty Insurance Solutions Professional Underwriters Agency ProHost USA Specialty Global Insurance Services Sports & Fitness Insurance Corporation SterlingRisk

www.oscis.com www.paulhanson.com www.puainc.com www.prohostusa.com www.specialtyglobal.com www.sportsfitness.com www.sterlingrisk.com

800-432-1258 707-261-2704 630-572-0600 952-922-2404 212-201-5428 800-844-0536 800-767-7837

American Eagle Bonding Agency Applied Underwriters Arrowhead General Insurance Agency Balsiger Insurance Braishfield Associates Breckenridge Insurance Services Combined Resources Fox Point Programs Harbor America Insurance Noodle Inter-Pacific Insurance Brokers Landscape Contractors Mattei Insurance Services

www.usabonds.com www.auw.com www.arrowheadgrp.com www.balsigerinsurance.com www.braishfield.com www.breckis.com www.autoinsureit.com www.foxpointprg.com www.hapeo.com www.insurancenoodle.com www.interpacificbrokers.com www.lcisinc.com www.matteicos.com

480-985-1618 877-234-4450 619-881-8733 702-220-8640 888-335-6616 678-322-3535 631-758-6782 800-499-7242 800-845-5695 888-466-8868 559-634-1400 800-628-8735 888-462-8834

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

NIP Group Professional Underwriters Agency Specialty Risk Associates TAPCO Underwriters The McGraw Group

www.nipgroup.com www.puainc.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com

800-446-7647 630-572-0600 318-865-7023 800-334-5579 800-303-5000

All Risks, Ltd. American Eagle Bonding Agency American Underwriting Managers Atlantic Specialty Lines Blue River Underwriters Chopra Insurance DFCORBY Insurance Services Grapevine Insurancebrokers J.M. Wilson Klein & Costa Insurance Services Leo Risk Services Med James Milton O. Johnston & Company Norman-Spencer Agency Omega Insurance Solutions Pacific Reserve Ramsgate Insurance RISC Socius Insurance Services Southern Insurance Underwriters Southwest Risk

www.allrisks.com www.aebonds.com www.auminsur.com www.atlanticspecial.com www.blueriveruw.com www.choprainsurance.com www.dfcorby.com www.grapevineinsurancebrokers.com www.jmwilson.com www.kleincosta.com www.leoriskservices.com www.medjames.com www.moj-co.com www.norman-spencer.com www.omegapeo.com www.PacificReserve.com www.RamsgateInsurance.com www.gorisc.com www.sociusinsurance.com www.siuins.com www.swrisk.com

800-366-5810 480-985-1618 866-219-0427 877-545-9100 678-322-3538 818-923-6090 714-992-4448 707-251-8518 800-666-5692 714-918-0914 727-734-0040 800-255-6503 281-444-5167 800-543-3248 866-997-0711 480-990-4740 800-394-2767 800-725-7472 415-778-0310 800-568-1700 214-206-4900

Abram Interstate Insurance Services AmWINS Program Underwriters

www.abraminterstate.com www.amwins.com

800-955-4465 214-561-7019

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rail Risk Pro

www.railriskpro.com

800-247-2085

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CONTRACTORS

Landscaping & Lawn Care

Roofers

Welding

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The Horton Group/Buschbach Division

www.wdpginsurance.com

800-598-9099

CYBER & NETWORK SECURITY NAS Insurance www.nasinsurance.com

818-479-4304

As a leading specialty market for cyber liability, NAS Insurance has pioneered one of the most comprehensive solutions for small and mid-sized businesses. In addition to state-ofthe art coverage, NAS also provides CyberNET® risk management and support services to help our policyholders prepare for and respond to a breach with expert legal, IT and PR resources. Cyber Ready. Cyber Strong.

CYBER & NETWORK SECURITY EDUCATION

Abram Interstate Insurance Services AMC Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company Breckenridge Insurance Services CFC Underwriting Cooper & McCloskey Distinguished Programs Edgewater Holdings Grand General Agency IT Risk Managers Jacobs & Associates Jacobs & Associates

www.abraminterstate.com www.amcinsurance.com www.apogeeinsgroup.com www.breckis.com www.cfcunderwriting.com www.cmiprorisk.com www.distinguished.com www.edgewater.net www.thehelpfulpeople.com www.itriskmanagers.com www.jacobsnow.org www.jacobsnow.org

800-955-4465 501-932-5823 888-927-6433 678-322-3535 +44 0207-220-8500 415-433-7700 888-355-4626 312-431-1767 800-869-2022 888-280-8710 440-625-2690 440-625-2690

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

NAS Insurance New Empire Entertainment Insurance Services Philadelphia Insurance Companies PLIS Quadrant Insurance Managers R.E. Chaix & Associates Risk Alternatives & Management RPS Technology & Cyber Special Markets Insurance Consultants Specialty Global Insurance Services Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services ThinkRisk U.S. Risk Insurance Group Veracity Insurance Solutions Combined Group ThinkRisk Underwriting Agency US Assure USX/S

www.nasinsurance.com www.neeis.com www.phly.com www.plisinc.com www.quadrant-us.com www.rechaixinsurance.com www.ram-insurance.com www.rpsins.com www.specialmarkets.com www.specialtyglobal.com www.sbwis.com www.tennant.com www.thinkriskins.com www.usrisk.com www.veracityinsurance.com www.combinedgroup.com www.thinkriskins.com www.usassure.com www.usxs.net

818-382-2030 877-856-9231 800-873-4552 800-761-7547 614-841-1425 800-369-4337 866-673-0865 800-336-5659 800-818-7642 212-201-5428 213-626-1000 860-519-1301 646-612-7808 800-232-5830 866-395-1308 214-295-1600 646-612-7808 800-800-3907 800-574-8797

Abram Interstate Insurance Services AmWINS Group Gales Creek Insurance, a division of J.D. Fulwiler Insurance Great American Insurance, Specialty Human Services K&K Insurance Group Lefebvre Insurance Markel Specialty

www.abraminterstate.com www.amwins.com www.eventinsurancenow.com www.specialtyhumanservices.com www.kandkinsurance.com www.lefebvreinsurance.com www.markelinsurance.com

800-955-4465 704-973-3489 503-227-0491 800-542-4245 800-637-4757 800-451-9668 800-431-1270

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

National Lloyds Insurance Company Special Markets Insurance Consultants

www.natlloyds.com www.specialmarkets.com

480-951-0905 800-818-7642

www.abraminterstate.com www.acegroup.com/us www.agencyint.com

800-955-4465 215-640-5295 800-262-7475 727-384-1036 ext. 123 800-359-6422 704-973-3489 800-761-7072 800-352-2761 877-530-0111 877-977-4474 818-507-0900 800-282-7024 888-466-8868

EDUCATION Camps

Child Care/Day Care Abram Interstate Insurance Services ACE Group Agency Intermediaries Agency Marketing Services

www.agencymarketing.com

Alliance of Nonprofits for Insurance, Risk Retention Group AmWINS Group Care Providers Insurance Services Charity First Excel Insurance Services Gateway Specialty Insurance Gorst & Compass Insurance Insurance House Insurance Noodle

www.insurancefornonprofits.org www.amwins.com www.ins-cps.com www.charityfirst.com www.excelins.com www.gatewayspecialty.com www.gorst.com www.insurancehouse.com www.insurancenoodle.com

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Markel Specialty

www.markelinsurance.com

800-431-1270

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Nautilus Insurance Co. & Great Divide Insurance Co. Northern States Agency Southern Cross Underwriters Special Markets Insurance Consultants Strickland General Agency of Florida TAPCO Underwriters Texas Commercial Insurance Facilities USI Affinity Brokerage Services VGM Specialty Underwriters West Bend Mutual Insurance Company

www.nautilusinsgroup.com www.nsa-mga.com www.scui.com www.specialmarkets.com www.sgainfl.com www.gotapco.com www.tcif.org www.usiaffinity.com www.vgmsu.com www.thesilverlining.com

516-431-8300 800-328-0828 800-824-4403 800-727-7642 877-669-8886 800-418-2726 800-256-6600 800-265-2876 913-433-2331 800-236-5010

Schools NAS Insurance: Cyber Liability for Schools www.nasinsurance.com

818-479-4305

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EDUCATION ENERGY

In this privacy-conscious society, any school can be affected by a breach of sensitive and confidential information. NetGuard™ Plus is network security and privacy insurance that features privacy breach response costs for security breaches of sensitive parent, student or employee information. With NAS Insurance’s NetGuard™ Plus policy, your insured will be protected from this growing exposure. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. Abram Interstate Insurance Services ACE Group AmWINS Group Aon Affinity Apex Insurance Services Arrowhead General Insurance Agency Berkley Public Entity Managers Charity First CID Insurance Services Glatfelter Public Practice

www.abraminterstate.com www.acegroup.com/us www.amwins.com www.aon.com www.apexinsurance.com www.arrowheadgrp.com www.mybpem.com www.charityfirst.com www.agostinisurplus.com www.glatfelterpublicpractice.com

800-955-4465 215-640-5295 704-973-3489 215-293-1191 800-366-1213 619-881-8733 612-766-3827 800-352-2761 800-922-7283 800-233-1957

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Norman-Spencer Agency

www.norman-spencer.com

800-543-3248

Philadelphia Insurance Companies Special Markets Insurance Consultants World Insurance Association

www.phly.com www.specialmarkets.com www.wiaonline.com

972-488-8535 800-818-7642 800-578-2111

ENERGY Energy, Oil, Gas AmWINS Group www.amwins.com

704-973-3489

Willis Programs PUMPProgram® www.willisprograms.com

860-756-7367

A program designed specifically for petroleum marketers, including bulk lubricant distributors, fuel oil dealers, gasoline distributors, and biofuel and waste oil distributors. ACE Group AmWINS Group Arch Insurance Group Ark-La-Tex Underwriters Arrowhead General Insurance Agency Atlantic Specialty Lines Burnett & Company Catlin US Citadel Insurance Services CoverXSpecialty CRC Insurance Services ELM Insurance Brokers Freberg Environmental Insurance Global Special Risks Harbor America HIIG-Energy Hull & Company

www.acegroup.com/us www.amwins.com www.archinsurance.com www.altuonline.com www.arrowheadgrp.com www.atlanticspecial.com www.bcoinc.com www.catlinus.com www.citadelus.com www.coverx.com www.crcins.com www.e-o.com www.feiinsurance.com www.globalspecialrisks.com www.hapeo.com www.hiig.com www.hullco.com

215-640-5295 704-973-3489 212-651-6500 318-798-7703 619-881-8733 877-545-9100 504-210-3620 404-443-4910 877-247-4468 800-762-6837 678-969-8313 800-746-7167 720-931-2122 713-260-1030 800-845-5695 205-995-0713 954-527-4855

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ENERGY ENTERTAINMENT & RECREATION

IMS Insurance Market Solutions IMS/London American Insential Milton O. Johnston & Company PER se Regional Excess Underwriters RISC Sloan Mason Insurance Services Southwest Energy Underwriters Target Managers Insurance Services Tejas American General Agency Texas Commercial Insurance Facilities Towerstone Transpac Managers U.S. Risk Insurance Group Victor O. Schinnerer & Company W.A. Schickedanz Agency Woodlands Insurance Services Worldwide Facilities

www.imsbrokers.com www.imslondonamerican.com www.insential.com www.moj-co.com www.powerenergyrisk.com www.regionalxs.com www.gorisc.com www.sloanmason.com www.sweu.net www.tmi-group.com www.taga1.com www.tcif.org www.towerstonecorp.com www.transpacmgrs.com www.usrisk.com www.schinnerer.com www.waschickedanz.com www.woodlandsinsurance.com www.wwfi.com

713-243-4360 214-373-3936 888-571-6160 281-444-5167 949-873-0324 877-738-3170 800-725-7472 619-325-1719 281-313-2202 800-864-7111 888-999-8242 800-256-6600 972-725-2100 214-346-1512 800-232-5830 301-961-9800 800-869-9976 281-367-5010 678-736-6720

American Mining Insurance Company Bonding & Insurance Specialists Agency HIIG-Energy Regional Excess Underwriters Worldwide Facilities

www.americanmining.com www.bisa-inc.net www.hiig.com www.regionalxs.com www.wwfi.com

800-448-5621 800-346-1031 205-995-0713 877-738-3170 213-236-4500

Abram Interstate Insurance Services American Specialty Insurance & Risk Services Amusement Insurance Resources Evolution Insurance Brokers Global Weather Insurance Agency K&K Insurance Group M.J. Hall and Company

www.abraminterstate.com www.amerspec.com www.insureair.com www.eibdirect.com www.globalweatherinsurance.com www.kandkinsurance.com www.mjhallandcompany.com

800-955-4465 800-245-2744 800-607-4711 877-678-7342 516-466-3138 800-637-4757 907-929-5822

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Program Risk Specialists T.H.E. Insurance Company

www.programrisks.com www.theinsco.com

800-282-8755 800-237-3355

Abram Interstate Insurance Services ABCO Insurance Underwriters AmWINS Group Arrowhead General Insurance Agency Atlass Insurance Group Bridge Marine Insurance Diversified Insurance Facilities Global Marine Insurance Agency Maritime Program Group

www.abraminterstate.com www.abcoins.com www.amwins.com www.arrowheadgrp.com www.atlassinsurance.com www.bridgemarineinsurance.com www.diftx.com www.globalmarineinsurance.com www.maritimepg.com

800-955-4465 305-461-2555 704-973-3489 619-881-8733 800-330-3370 508-619-4668 281-364-8300 800-748-0224 800-366-8086

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Norman-Spencer Agency Pacific Specialty Insurance Company Safehold Special Risk Specialized Insurance Terheggen/Malone Marine Insurance Services

www.norman-spencer.com www.pacificspecialty.com www.safehold.com www.specializedinsurance.com www.tmboatinsurance.com

800-543-3248 800-303-5000 800-842-8917 631-758-6782 800-223-6268

Bill Taylor & Associates Founders Insurance Company Glencar Underwriting Managers

www.bowlinginsurance.com www.foundersinsurance.com www.glencarum.com

800-606-6221 800-972-8778 630-875-0723

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rowe Insurance Agency SterlingRisk T.H.E. Insurance Company

www.roweins.com www.sterlingrisk.com www.theinsco.com

859-626-7888 800-767-7837 800-237-3355

Allen Financial Insurance/The Equestrian Group CoverXSpecialty Global Weather Insurance Agency L.A. Xcess Insurance Brokers

www.eqgroup.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com

800-874-9191 800-762-6837 516-466-3138 818-623-5415

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProHost USA

www.prohostusa.com

952-922-2404

Mining

ENTERTAINMENT & RECREATION Amusement Parks & Fairgrounds

Boat & Yacht Dealers

Bowling Alleys

Concerts

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PROGRAM DIRECTORY

Pro-Risk Insurance Partners Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group

www.pro-riskinsurance.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com

860-305-9477 800-727-7642 800-767-7837 800-232-5830

Abram Interstate Insurance Services

www.abraminterstate.com

All Risks, Ltd.

www.aliverisk.com

Allen Financial Insurance/The Equestrian Group AmWINS Group CoverXSpecialty Global Weather Insurance Agency L.A. Xcess Insurance Brokers

www.eqgroup.com www.amwins.com www.coverx.com www.globalweatherinsurance.com www.laxcess.com

800-955-4465 See website & call local office 800-874-9191 704-749-2700 800-762-6837 516-466-3138 818-623-5415

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProHost USA Pro-Risk Insurance Partners Special Markets Insurance Consultants SterlingRisk U.S. Risk Insurance Group Woodlands Insurance Services

www.prohostusa.com www.pro-riskinsurance.com www.specialmarkets.com www.sterlingrisk.com www.usrisk.com www.woodlandsinsurance.com

952-922-2404 860-305-9477 800-727-7642 800-767-7837 800-232-5830 281-367-5010

Abacus Insurance Brokers Abram Interstate Insurance Services Advanced AFG Risk Services, LLC AmWins Group

www.abacus.net www.abraminterstate.com www.eventshield.com www.amwins.com

424.214.3700 800-955-4465 860-742-6666 704-973-3489

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Entertainment

ENTERTAINMENT & RECREATION

Event

B & B Protector Plans

www.bbprotectorplans.com

BUA Cossio Insurance Entertainment Pro Insurance Excel Insurance Services Gales Creek Insurance, a division of J.D. Fulwiler Insurance Global Weather Insurance Agency Hays Affinity Group HCC Specialty K&K Insurance Group L.A. Xcess Insurance Brokers MMD Insurance

www.buainsurance.com www.cossioinsurance.com www.entproins.com www.excelins.com www.eventinsurancenow.com www.globalweatherinsurance.com www.eventcommit.com www.hccspecialty.com www.kandkinsurance.com www.laxcess.com www.mmdinsurance.com

888-772-5005 864-688-0121 702-639-3997 877-530-0111 503-227-0491 516-466-3138 847-939-8310 800-605-2282 800-637-4757 818-623-5415 888-751-3141

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Petersen International Underwriters RISC RV Nuccio & Associates Special Markets Insurance Consultants Spectrum Weather and Specialty Insurance US Weather Insurance

www.piu.org www.gorisc.com www.rvnuccio.com www.specialmarkets.com www.spectrumweatherinsurance.com www.usweatherinsurance.com

800-345-8816 800-725-7472 800-567-2685 800-818-7642 816-810-2346 888-982-5488

Abram Interstate Insurance Services American Specialty Insurance & Risk Services Cossio Insurance Evolution Insurance Brokers

www.abraminterstate.com www.amerspec.com www.cossioinsurance.com www.eibdirect.com

800-955-4465 800-245-2744 864-688-0121 877-678-7342

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

SterlingRisk T.H.E. Insurance Company

www.sterlingrisk.com www.theinsco.com

800-767-7837 800-237-3355

ACE Recreational Marine Insurance Global Partners Insurance Brokers Maritime Program Group Midlands Management

www.acemarineinsurance.com www.globalpartners-ins.com www.maritimepg.com www.midlandsmgt.com

215-640-2609 888-240-7843 800-366-8086 800-800-4007

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Old United Casualty Co./Vantage Casualty Co. Wildlife Insurance Underwriters

www.oldunited.com www.insurewildlife.com

863-299-0872 610-607-3337

Abram Interstate Insurance Services Gillingham & Associates, a division of Philadelphia Insurance Companies King Insurance Support Systems Leavitt Recreation and Hospitality Insurance

www.abraminterstate.com

800-955-4465

www.phly.com

800-849-9288

www.kinginsuranceca.com www.lrhinsurance.com

M.F. Irvine & Associates

www.mfirvine.com

M.J. Hall and Company

www.mjhallandcompany.com

800-488-4096 800-525-2060 610-862-4300/ 855-862-7700 907-929-5822

Family Entertainment Centers

Fishing Guides

Mobile Home & RV Parks

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Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

OnPoint Underwriting Rainier Insurance Company The Colonial Group The Mahoney Group

www.onpointunderwriting.com www.rainierinsure.com www.thecolonialgroup.com www.mahoneygroup.com

866-631-6555 503-226-2527 336-855-1300 480-214-2794

www.eqgroup.com www.eibdirect.com

800-874-9191 877-678-7342

www.phly.com

800-849-9288

www.kandkinsurance.com www.thompsongusic.com www.insurewildlife.com www.thompsongusic.com

800-637-4757 412-271-8888 610-607-3337 412-271-8888

CGA Entertainment Pro Insurance HCC Specialty Interactive Promotions Group

www.cgainc.com www.entproins.com www.hccspecialty.com www.interactivepromotions.com

800-242-7789 702-639-3997 800-605-2282 888-882-5140

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

SCA Promotions US Hole In One

www.scapromotions.com www.holeinoneinsurance.com

888-860-6623 888-882-5440

Outfitters/Guides

ENTERTAINMENT & RECREATION ENVIRONMENTAL

Allen Financial Insurance/The Equestrian Group Evolution Insurance Brokers Gillingham & Associates, a division of Philadelphia Insurance Companies K&K Insurance Group Thompson-Gusic Insurance Group Wildlife Insurance Underwriters Thompson-Gusic Insurance Group

Prize Indemnification

ENVIRONMENTAL AmWINS Group www.amwins.com

704-973-3489

www.abraminterstate.com

Access E&S Insurance

www.access-es.com

800-955-4465

ACE Group

www.acegroup.com/us

619-462-1128 ext 303 215-640-5295

Advisor Insurance Group

www.advisorus.com

713-688-1660

American Risk Management Resources Network AmWINS Group

www.armr.net www.amwins.com

Anchor Bay Insurance Managers

www.surpluslines.com

Apollo General Insurance Agency

www.apgen.com

877-735-0100 704-973-3489 360-613-5455 ext. 202 800-624-5829

Atlantic Risk Specialists

www.arspecialists.com

516-482-1881

Atlantic Specialty Lines Beacon Hill Associates Bonding & Insurance Specialists Agency Catlin US Citadel Insurance Services

www.atlanticspecial.com www.b-h-a.com www.bisa-inc.net www.catlinus.com www.citadelus.com

877-545-9100 800-596-2156 800-346-1031 404-443-4910 877-247-4468

Commercial Risk Service

www.commercialriskservice.com

888-636-0886

Commercial Sector Insurance Brokers Continental Risk Insurance Services CRC Insurance Services D.S. Blum

www.comsectorins.com www.continentalriskins.com www.crcins.com www.dsbluminc.com

205-776-1600 866-699-2747 678-969-8313 773-445-8070

DBL Surety

www.dblsuretybonds.com

386-316-2547

ELM Insurance Brokers Empire Underwriters Empire West Insurance Services Environmental Insurance Agency Environmental Insurance Services Erickson-Larsen Freberg Environmental Insurance Hull & Company Insurance Market: A Yaworsky Company Jimcor Agencies Legends Environmental Insurance Services

www.e-o.com www.empireunderwriters.com www.empirewest.net www.eiains.com www.env-ins.com www.ericksonlarseninc.com www.feiinsurance.com www.hullco.com www.theinsurancemarketonline.com www.jimcor.com www.legends-enviro.com

800-746-7167 800-758-8113 866-967-1130 800-977-3335 800-239-1347 800-284-0965 720-931-2122 954-527-4855 877-679-0008 800-334-0474 800-992-6999

M.J. Hall and Company

www.mjhallandcompany.com

907-929-5822

Metcom Excess Midlands Management

www.metcomexcess.com www.midlandsmgt.com

201-641-5100 800-800-4007

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PROGRAM DIRECTORY

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

New Day Underwriting Managers Peachtree Special Risk Brokers PGI Commercial Quaker Special Risk

www.newdayunderwriting.com www.psrllc.com www.pgicommercial.com www.qsr-insurance.com

217-371-3732 201-913-8030 973-631-7575 800-447-4180

R.E. Chaix & Associates

www.rechaixinsurance.com

800-369-4337

Rockhill/NECC Environmental

www.necc.com

816-412-1800

Roush Insurance Services

www.roushins.com

859-626-7888

Risk Placement Services Russell Bond & Co.

www.rpsins.com www.russellbond.com

866-595-8413 800-333-7226

Scottish American

www.scottishamerican.com

714-550-5050

Sloan Mason Insurance Services

www.sloanmason.com

619-325-1719

Southern Insurance Underwriters

www.siuins.com

800-568-1700

Swett & Crawford

www.swett.com

404-240-5200

Target Managers Insurance Services

www.tmi-group.com

702-588-5310

UCPM Environmental Insurance US Assure Veracity Insurance Solutions Victor O. Schinnerer & Company

www.ucpm.com www.usassure.com www.veracityinsurance.com www.schinnerer.com

800-685-8185 800-800-3907 866-395-1308 301-961-9800

W. Brown & Associates Insurance Services

www.wbais.com

949-851-2060

Woodlands Insurance Services

www.woodlandsinsurance.com

281-367-5010

Zurich Programs

www.zprogramsmatch.com

866-873-0782

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ENVIRONMENTAL

Hazardous Materials Hauling & Transport Freberg Environmental www.feiinsurance.com

800-377-4152

FEI writes hazardous materials and hazardous waste haulers through Arch Insurance Group using commercial motor carrier forms with key trucker endorsements available. Advisor Insurance Group AmWINS Group Beacon Hill Associates Environmental Insurance Services IMS/London American Monarch E&S Insurance Services National E&S Insurance Brokers Sloan Mason Insurance Services UCPM Environmental Insurance

www.advisorus.com www.amwins.com www.b-h-a.com www.env-ins.com www.imslondonamerican.com www.monarchexcess.com www.nationaleands.com www.sloanmason.com www.ucpm.com

713-688-1660 704-973-3489 800-596-2156 800-239-1347 214-373-3936 818-249-0100 661-266-4444 619-325-1719 800-991-6237

Legends Environmental Insurance Services

www.legends-enviro.com

800-992-6999

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

New Day Underwriting Managers Rockhill/NECC Environmental

www.newdayunderwriting.com www.necc.com

217-371-3732 816-412-1800

Landfills

Pollution Freberg Environmental www.feiinsurance.com

800-377-4152

Environmental Impairment Liability and Petroleum Storage Tanks: Pollution insurance for fixed facilities, covering ongoing/operational or historical pollution exposures. Coverage can be custom-tailored to suit clients’ unique needs. Storage tank insurance is available under a separate tank-only policy form. Advisor Insurance Group AmWINS Group Anchor Bay Insurance Managers Apex Insurance Services Arrowhead General Insurance Agency Bonding & Insurance Specialists Agency Environmental Insurance Services Erickson-Larsen Freberg Environmental Insurance Gateway Underwriters Agency Global Financial & Insurance Services Gremesco of New Jersey

www.advisorus.com www.amwins.com www.surpluslines.com www.apexinsurance.com www.arrowheadgrp.com www.bisa-inc.net www.env-ins.com www.ericksonlarseninc.com www.feiinsurance.com www.gua-stl.com www.theglobalfinancial.com www.gremesconj.com

713-688-1660 704-973-3489 360-613-5455 800-366-1213 619-881-8733 800-346-1031 800-239-1347 800-284-0965 720-931-2132 800-325-7652 972-812-5410 732-761-9904

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

National E&S Insurance Brokers New Day Underwriting Managers R-T Specialty UCPM Environmental Insurance USX/S Western Security Surplus Insurance Brokers

www.nationaleands.com www.newdayunderwriting.com www.rtspecialty.com www.ucpm.com www.usxs.net www.wssib.com

661-266-4444 217-371-3732 312-784-6001 800-685-8185 800-574-8797 800-733-5844

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Storage Tanks Freberg Environmental Impairment Liability and Petroleum Storage Tanks www.feiinsurance.com 800-377-4152 Environmental Impairment Liability and Petroleum Storage Tanks: Pollution insurance for fixed facilities, covering ongoing/operational or historical pollution exposures. Coverage can be custom-tailored to suit clients’ unique needs. Storage tank insurance is available under a separate tank-only policy form.

ENVIRONMENTAL FINANCIAL SERVICES & INSTITUTIONS

AMC Insurance Services AmWINS Group Bonding & Insurance Specialists Agency Environmental Insurance Agency Environmental Insurance Services Freberg Environmental Insurance Metcom Excess Midlands Management

www.amcinsurance.com www.amwins.com www.bisa-inc.net www.eiains.com www.env-ins.com www.feiinsurance.com www.metcomexcess.com www.midlandsmgt.com

800-233-2398 704-749-2700 800-346-1031 800-977-3335 800-239-1347 800-377-4152 201-641-5100 800-800-4007

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Rockhill/NECC Environmental Russell Bond & Co. Specialty Risk Associates

www.necc.com www.russellbond.com www.specialty-risk.com

816-412-1800 800-333-7226 318-683-6209

Waste Haulers Willis Programs WasteHaulerGuard® www.willisprograms.com

603-334-3019

A program designed for the waste hauling industry, with primary operations in commercial and residential waste hauling. Alliant Specialty Insurance Services AmWINS Group Beacon Hill Associates

www.alliantspecialty.com www.amwins.com www.b-h-a.com

610-539-0300 704-973-3489 800-596-2156

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Park Insurance Company PMC Insurance Group W.A. Schickedanz Agency Willis Group Holdings Zurich Programs

www.parkinsuranceco.com www.pmcinsurance.com www.waschickedanz.com www.willis.com www.zprogramsmatch.com

318-683-6209 818-355-2808 702-588-5310 818-355-2808 702-588-5310

Freberg Environmental Insurance Glatfelter Insurance Group Glatfelter Public Practice Grundy Insurance

www.feiinsurance.com www.glatfelters.com www.glatfelterpublicpractice.com www.grundy.com

800-377-4152 800-233-1957 800-233-1957 877-338-4004

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

WaterColor Management

www.watercolormanagement.com

256-260-0412

Abram Interstate Insurance Services Centurion Insurance Group Combined Group Independent Insurance Agents & Brokers of New York Insurmark, a division of Financial & Professional Risk Solutions

www.abraminterstate.com www.centurionusa.com www.combinedgroup.com www.iiabny.org www.insurmark.com

800-955-4465 800-258-3056 214-295-1600 800-962-7950 800-833-5912

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Number One Insurance Agency Overby Seawell Co. Zurich North America Zurich Programs

www.massagent.com www.oscis.com www.zurichna.com www.zprogramsmatch.com

914-684-2000 800-432-1258 800-382-2150 866-873-0782

Wastewater

FINANCIAL SERVICES & INSTITUTIONS Credit Unions & Community Banks

Financial Advisors/Planners NAS Insurance: Cyber Liability for Securities Brokers & Dealers www.nasinsurance.com 818-479-4305 The typical securities broker/dealer or investment advisor maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. Abram Interstate Insurance Services A.J. Wayne & Associates Combined Group Jorgensen & Company Lee & Mason Financial Services

www.abraminterstate.com www.ajwayne.com www.combinedgroup.com www.jorgensenandcompany.com www.leeandmason.com

800-955-4465 773-328-0500 214-295-1600 201-447-4400 800-533-9469

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PROGRAM DIRECTORY

Markel Cambridge Alliance

www.markelcambridge.com

800-691-1515

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProSurance Group Abram Interstate Insurance Services Anthony R. Davis Agency Apogee Insurance Group, a Berkshire Hathaway Company Combined Group Floodwatch Gerald J. Wilkoff Innovative Risk Solutions Insurmark, a division of Financial & Professional Risk Solutions Meridian Finance Group Monarch E&S Insurance Services ProSurance Group Russell Bond & Co. Williams and Stazzone Insurance

www.prosurancegroup.com www.abraminterstate.com www.ardavisagency.com www.apogeeinsgroup.com www.combinedgroup.com www.floodwatchins.com www.wilkoffbonds.com www.irs-incorporated.com www.insurmark.com www.meridianfinance.com www.monarchexcess.com www.prosurancegroup.com www.russellbond.com www.wsins.com

800-310-4486 800-955-4465 800-752-0150 888-927-6433 214-295-1600 800-833-5912 516-747-0200 954-931-4795 800-833-5912 310-260-2130 818-249-0100 800-310-4486 800-333-7226 800-868-1235

Abram Interstate Insurance Services ARC Excess & Surplus Combined Group Hyers and Associates

www.abraminterstate.com www.arcbrokers.com www.combinedgroup.com www.ohioinsureplan.com

800-955-4465 516-747-4100 214-295-1600 888-901-5650

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

ProSurance Group

www.prosurancegroup.com

800-310-4486

Abram Interstate Insurance Services Appalachian Underwriters Arlington/Roe & Co. Combined Group National Insurance Underwriters PBOA Shoemaker & Besser Associates Unisource Program Administrators

www.abraminterstate.com www.appund.com www.arlingtonroe.com www.combinedgroup.com www.niuw.com www.pboa.com www.shoemaker-besser.com www.unisourcepa.com

800-955-4465 888-376-9633 800-878-9891 214-295-1600 800-338-2680 800-226-0793 800-632-9002 888-242-3646

Abram Interstate Insurance Services A.J. Wayne & Associates Alamo Surety Bonds Arrowhead General Insurance Agency BIS Insurance Group Breckenridge Insurance Services CB Malaga Insurance Services Combined Group CRES Insurance Services ELM Insurance Brokers Gerald J. Wilkoff Insurmark, a division of Financial & Professional Risk Solutions Logic Underwriters

www.abraminterstate.com www.ajwayne.com www.alamobonds.com www.arrowheadgrp.com www.bisinsurancegroup.com www.breckis.com www.cbspecialty.com www.combinedgroup.com www.cresprograms.com www.e-o.com www.wilkoffbonds.com www.insurmark.com www.logicinsurance.com

800-955-4465 773-328-0500 210-930-5550 619-881-8733 615- 444-8859 678-322-3535 877-245-5887 214-295-1600 877-257-2737 800-746-7167 516-747-0200 800-833-5912 214-739-0071

Monarch E&S Insurance Services

www.monarchexcess.com

818-249-0100

Overby Seawell Co. PBIS Insurance Services Professional Underwriters Agency Sullivan Brokers Wholesale Insurance Solutions TitlePac

www.oscis.com www.pbisinsurance.com www.puainc.com www.sbwis.com www.titlepac.com

800-432-1258 415-472-7500 630-572-0600 213-833-6185 615-620-7561

Combined Group Dowell/IAS Distinguished Programs JSIS-Jewelers Specialty Insurance Services MarketScout Monarch E&S Insurance Services

www.combinedgroup.com www.dowellias.com www.distinguished.com www.jsis-ins.com www.marketscout.com www.monarchexcess.com

214-295-1600 201-794-7144 888-355-4626 213-488-1000 972-934-4200 877-406-8026

Alliant Specialty Insurance Services Aon Association Services Combined Group Fox Point Programs Monarch E&S Insurance Services SterlingRisk The McGowan Companies

www.alliantspecialty.com www.aonassociationservices.com www.combinedgroup.com www.foxpointprg.com www.monarchexcess.com www.sterlingrisk.com www.mcgowancompanies.com

858-541-1900 800-432-7465 214-295-1600 800-499-7242 877-406-8026 800-767-7837 800-545-1538

Investors

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FINANCIAL SERVICES & INSTITUTIONS FINE ARTS & COLLECTIBLES

Monoline

Mortgage Bankers & Brokers

FINE ARTS & COLLECTIBLES Fine Arts

Museums

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FORESTRY ACE Group AmWINS Group BancorpSouth Insurance Services Continental Underwriters Loggers Insurance O'Donovan & Associates

www.acegroup.com/us www.amwins.com www.bxsi.com www.contund.com www.loggers-insurance.com www.odonovaninsurance.com

215-640-5295 704-973-3489 800-486-8283 804-643-7800 800-776-5047 800-410-6333

AmWINS Group Daigle & Associates Insurance Marketing Corporation Of Oregon O’Donovan & Associates OnPoint Underwriting Santee Risk Managers/American Loggers Insurance

www.amwins.com www.daigleins.com www.imcoinsurance.com www.odonovaninsurance.com www.onpointunderwriting.com www.americanloggersinsurance.com

704-973-3489 601-924-4522 800-944-3128 800-410-6333 866-631-6555 855-SKIDDER

www.foxpointprg.com www.monarchexcess.com www.nipgroup.com www.specialtyglobal.com www.thecesargroup.com

800-499-7242 877-406-8026 800-446-7647 212-201-5428 716-626-0066

American Business Insurance Services Arrowhead General Insurance Agency Atlantic Specialty Lines Bolton & Company Combined Group Med James Monarch E&S Insurance Services National Indemnity Company Park Insurance Company Western World Insurance Group Wholesale Connection Insurance Services Zurich Programs

www.abiweb.com www.arrowheadgrp.com www.atlanticspecial.com www.boltonmga.com www.combinedgroup.com www.medjames.com www.monarchexcess.com www.nationalindemnity.com www.parkinsuranceco.com www.westernworld.com www.wcis-ins.com www.zprogramsmatch.com

800-980-1950 619-881-8733 877-545-9100 502-583-8361 214-295-1600 800-255-6503 877-406-8026 402-916-3000 212-905-2604 201-847-8600 818-251-3507 866-873-0782

AFPD Aon Affinity Arrowhead General Insurance Agency Combined Group James River Insurance Company Monarch E&S Insurance Services NSM Insurance Group PULIC Program – TDC Specialty Insurance Company

www.ifdfordentists.com www.aon.com www.arrowheadgrp.com www.combinedgroup.com www.jamesriverins.com www.monarchexcess.com www.nsminc.com www.pulic.com

800-970-9778 215-293-1191 619-881-8733 214-295-1600 804-289-2700 877-406-8026 800-970-9778 800-537-7362

Logging

FORESTRY FUNERAL HOMES & SERVICES

FUNERAL HOMES & SERVICES Fox Point Programs Monarch E&S Insurance Services NIP Group Specialty Global Insurance Services The Cesar Group

HEALTHCARE

HEALTHCARE Ambulances

Dentists

Home Health Willis Programs / Smith, Bell & Thompson HomeCareGuard® www.willisprograms.com 802-264-9544 A program designed around the specific needs of home health, hospice and medical staffing providers. AmWINS Group Aon Affinity Argo Pro Combined Group Commonwealth Underwriters Connecticut Underwriters Delta General Agency Corporation Gateway Underwriters Agency Glatfelter Insurance Group Logic Underwriters M.J. Hall and Company Manchester Specialty Programs Mid-Continent General Agency Monarch E&S Insurance Services Omega Insurance Solutions Personal Care & Assisted Living Insurance Center PMC Insurance Group Preferred Specialty Professional Program Insurance Brokerage Sapphire Blue Tennant Risk Services

www.amwins.com www.aon.com www.argoprous.com www.combinedgroup.com www.commund.com www.ctunderwriters.com www.deltains.com www.gua-stl.com www.glatfelters.com www.logicinsurance.com www.mjhallandcompany.com www.manchesterspecialty.com www.mid-continentga.com www.monarchexcess.com www.omega4agents.com www.pcalic.com www.pmcinsurance.com www.preferredre.com www.ppibcorp.com www.sapphireblueuw.com www.tennant.com

704-973-3489 215-293-1191 441 296 5858 214-295-1600 800-396-6226 800-982-3881 800-666-2678 800-325-7652 800-233-1957 214-739-0071 907-929-5822 855-972-9399 713-965-6900 877-406-8026 866-997-0711 800-673-2558 781-449-7744 803-790-4800 415-475-4300 312-784-6007 860-519-1301

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PROGRAM DIRECTORY

U.S. Risk Insurance Group Unisource Program Administrators USX/S

www.usrisk.com www.unisourcepa.com www.usxs.net

800-232-5830 888-242-3646 800-574-8797

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Home Medical Equipment Dealers Willis Programs / Smith, Bell & Thompson: MedEquipGuard® www.sbtinsurance.com 802-264-9544 A program designed around the specific needs of medical equipment providers. Aon Affinity Burnham + Company Combined Group International Excess Program Managers LifeScienceRisk McNeil & Company Monarch E&S Insurance Services VGM Insurance VGM Specialty Underwriters

www.aon.com www.jmassociatesltd.com www.combinedgroup.com www.intlxs.com www.lsrisk.com www.mcneilandcompany.com www.monarchexcess.com www.vgminsurance.com www.vgmsu.com

215-293-1191 201-944-6600 214-295-1600 800-937-3497 312-784-6005 800-822-3747 877-406-8026 800-362-3363 913-433-2331

HEALTHCARE

MediSpa Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services. Aon Affinity Arlington/Roe & Co. Capitol Special Risks Combined Group Monarch E&S Insurance Services Professional Program Insurance Brokerage SterlingRisk

www.aon.com www.arlingtonroe.com www.csrisks.com www.combinedgroup.com www.monarchexcess.com www.ppibcorp.com www.sterlingrisk.com

215-293-1191 800-878-9891 800-956-7047 214-295-1600 877-406-8026 415-475-4300 800-767-7837

www.afcins.com www.argoprous.com www.canoninsurance.com www.charityfirst.com www.combinedgroup.com www.mid-continentga.com www.monarchexcess.com www.jjnegley.com www.phly.com www.sterlingrisk.com www.sibrokers.com

610-866-0401 441 296 5858 310-859-8600 415-536-8438 214-295-1600 713-965-6900 877-406-8026 800-548-4301 972-488-8535 800-767-7837 888-495-4950

Aon Affinity Aon Association Services Argo Pro Ck Specialty Insurance Associates Combined Group CRES Insurance Services Founders Professional Highland Risk Services IMS/London American K&B Underwriters Monarch E&S Insurance Services RPS Healthcare

www.aon.com www.aonassociationservices.com www.argoprous.com www.ckspecialty.com www.combinedgroup.com www.cresprograms.com www.founderspro.com www.highlandrisk.com www.imslondonamerican.com www.kbunderwriters.com www.monarchexcess.com www.rpsins.com/healthcare

215-293-1191 800-432-7465 441 296 5858 800-411-0083 214-295-1600 877-257-2737 727-498-6503 847-832-9099 214-373-3936 888-760-3194 877-406-8026 800-776-7475

U.S. Risk Insurance Group

www.usrisk.com

214-265-7090

USX/S

www.usxs.net

800-574-8797

Mental Health AFC Insurance Argo Pro Canon Insurance Service Charity First Combined Group Mid-Continent General Agency Monarch E&S Insurance Services Negley Associates Philadelphia Insurance Companies SterlingRisk Strickland Insurance Brokers

Nursing Homes

Outpatient Clinics Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services. Argo Pro Aon Affinity Charity First Combined Group Monarch E&S Insurance Services SterlingRisk

www.argoprous.com www.aon.com www.charityfirst.com www.combinedgroup.com www.monarchexcess.com www.sterlingrisk.com

441-296-5858 215-293-1191 415-536-4037 214-295-1600 877-406-8026 800-767-7837

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Physicians/Clinics Willis Programs / Smith, Bell & Thompson HealthServicesGuardSM www.willisprograms.com 802-264-9513 A program designed around the specific needs of many types of medical facilities, including but not limited to surgical centers, medical spas, outpatient clinics, and facilities with in- and outpatient services.

HEALTHCARE HOSPITALITY & ACCOMMODATION

954-725-6112 ext. 111 727-384-1036 800-258-3056 415-536-8438 214-295-1600 727-498-6503 832-413-4600 317-845-9890 877-406-8026 800-537-7362 800-776-7475

Advanced Professional Services

www.advancedprofessional.com

Agency Marketing Services Centurion Insurance Group Charity First Combined Group Founders Professional Greenhill Insurance Services Klinger Associates Monarch E&S Insurance Services PULIC Program – TDC Specialty Insurance Company RPS Healthcare

www.agencymarketing.com www.centurionusa.com www.charityfirst.com www.combinedgroup.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.monarchexcess.com www.pulic.com www.rpsins.com/healthcare

Advanced Professional Services

www.advancedprofessional.com

Agency Marketing Services Centurion Insurance Group Combined Group Founders Professional Greenhill Insurance Services Klinger Associates Monarch E&S Insurance Services Pro-Praxis Insurance Pro-Praxis Insurance PULIC Program – TDC Specialty Insurance Company RPS Healthcare

www.agencymarketing.com www.centurionusa.com www.combinedgroup.com www.founderspro.com www.grnhll.com www.klinger-insurance.com www.monarchexcess.com www.propraxisins.com www.propraxisins.com www.pulic.com www.rpsins.com/healthcare

954-725-6112 ext. 111 727-384-1036 800-258-3056 214-295-1600 727-498-6503 832-413-4600 317-845-9890 877-406-8026 212-401-1561 212-401-1561 800-537-7362 800-776-7475

www.bassuw.com www.combinedgroup.com www.ericksonlarseninc.com www.insential.com www.monarchexcess.com www.rms-hg.com www.hcc.com

888-422-7715 214-295-1600 800-284-0965 888-571-6160 877-406-8026 516-742-8585 781-994-6251

Physicians

HOSPITALITY & ACCOMMODATION Adult/Gentleman’s Clubs Bass Underwriters Combined Group Erickson-Larsen Insential Monarch E&S Insurance Services RMS Hospitality Group Tokio Marine HCC Specialty Group

Bars, Taverns, Nightclubs AmWINS Group www.amwins.com

704-973-3489

www.allrisks.com

American Underwriting Managers

www.auminsur.com

Anchor Bay Insurance Managers

www.surpluslines.com

AUI Benchmark Management Group Brecht & Associates Cochrane & Company Cochrane & Company Combined Group Conway E & S Erickson-Larsen Founders Insurance Company Gorst & Compass Insurance Gray-Stone & Company Horizon E & S Insurance Brokerage Insential

www.aui-inc.com www.bmgins.com www.brechtassoc.com www.cochraneco.com www.cochraneco.com www.combinedgroup.com www.conwayes.com www.ericksonlarseninc.com www.foundersinsurance.com www.gorstcompass.com www.gray-stone.com www.horizonsurplus.com www.insential.com

See website & call local office 817-424-1996 360-613-5455 ext. 202 800-993-0024 630-778-7000 817-424-5335 800-441-4535 800-441-4535 214-295-1600 800-748-9520 800-284-0965 800-972-8778 818-507-0900 805-494-4440 805-494-6553 888-571-6160

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PROGRAM DIRECTORY

Jacobs & Associates M.J. Hall and Company McClelland and Hine Meadowbrook Insurance Group Metcom Excess Momentous Insurance Brokerage Monarch E&S Insurance Services National Insurance Underwriters NeitClem Wholesale Insurance Brokerage Northern States Agency Number One Insurance Agency People’s United Insurance Agency Program Brokerage Corporation ProHost USA RCA Insurance Group RMS Hospitality Group Southeast Surplus Underwriters General Agency Specialty Insurance Agency Specialty Lines Underwriters Strickland General Agency of Florida TAPCO Underwriters Tokio Marine HCC Specialty Group USASIA Insurance Services USG Insurance Services Vilage & Company W.A. Schickedanz Agency Wright Insurance Services

www.jacobsnow.org www.mjhallandcompany.com www.mhi-tx.com www.meadowbrookinsgrp.com www.metcomexcess.com www.momentousins.com www.monarchexcess.com www.niuw.com www.neitclem.com www.nsa-mga.com www.massagent.com www.peoples.com/insurance www.programbrokerage.com www.prohostusa.com www.rca-insurance.com www.rms-hg.com www.ssuga.com www.specialtyinsuranceagency.com www.specialty-lines.com www.sgainfl.com www.gotapco.com www.hcc.com www.usasia-ins.com www.usgins.com www.vilageco.com www.waschickedanz.com www.robertwrightinsurance.com

440-625-2690 907-929-5822 800-580-4463 800-482-2726 201-641-5100 818-933-2700 877-406-8026 800-338-2680 612-454-4402 800-328-0828 914-684-2000 800-543-3827 866-607-8370 952-922-2404 800-526-0147 516-742-8585 409-924-8200 715-246-8908 262-737-8990 877-669-8886 800-418-2726 781-994-6251 909-618-0288 800-886-3897 212-796-6109 618-233-0644 949-489-1833

Combined Group Insurance Noodle Monarch E&S Insurance Services ProHost USA RMIS Special Markets Insurance Consultants Tokio Marine HCC Specialty Group TAPCO Underwriters Western Security Surplus Insurance Brokers

www.combinedgroup.com www.insurancenoodle.com www.monarchexcess.com www.prohostusa.co www.rmismga.com www.www.specialmarkets.com www.hcc.com www.gotapco.com www.wssib.com

214-295-1600 888-466-8868 877-406-8026 952-922-2404 714-738-1383 800-727-7642 781-994-6251 800-334-5579 800-733-5844

Arrowhead General Insurance Agency Combined Group Commercial Insurance Solutions Distinguished Programs Monarch E&S Insurance Services ProHost USA Scottish American Tokio Marine HCC Specialty Group

www.arrowheadgrp.com www.combinedgroup.com www.cis-ais.com www.distinguished.com www.monarchexcess.com www.prohostusa.com www.scottishamerican.com www.hcc.com

619-881-8733 214-295-1600 888-613-2224 888-355-4626 877-406-8026 952-922-2404 714-550-5050 781-994-6251

www.allrisks.com www.applebyandsterling.com www.auw.com www.arrowheadgrp.com www.aui-inc.com www.bassuw.com www.braishfield.com www.brazosrisk.com www.citainsurance.com www.cochraneco.com www.combinedgroup.com www.ca-group.com www.distinguished.com www.element22ins.com www.foxpointprg.com www.fulcrumprograms.com www.hospitalityins.com ww.insmartnational.com www.icat.com www.kis-hospitality.com www.moj-co.com www.motelinsurancebrokers.com www.monarchexcess.com

800-366-5810 805-583-9828 877-234-4450 619-881-8733 800-993-0024 888-422-7715 888-335-6616 877-282-7637 800-280-7250 800-441-4535 214-295-1600 1-203-230-4100 800-366-5810 888-882-4005 800-499-7242 425-453-5157 866-286-5889 914-607-5020 303-447-1155 973-754-6100 281-444-5167 866-387-8883 877-406-8026

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HOSPITALITY & ACCOMMODATION

Catering

Hospitality

Hotels/Motels All Risks, Ltd. Appleby & Sterling Applied Underwriters Arrowhead General Insurance Agency AUI Bass Underwriters Braishfield Associates Brazos Specialty Risk CITA Insurance Services Cochrane & Company Combined Group Continental Agency of Connecticut Distinguished Programs Element22 Insurance Services Fox Point Programs Fulcrum Insurance Programs HIS InSmart Risk Purchasing Group International Catastrophe Insurance Managers Klein Insurance Services Milton O. Johnston & Company Motel Insurance Brokers Monarch E&S Insurance Services

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HOSPITALITY & ACCOMMODATION

Northern Underwriting Managers Patriot National Underwriters Preferred Concepts Preferred Property Programs Sangamon Associates SterlingRisk Stonebridge Underwriters Strickland General Agency of Florida Suitelife by Venture Programs The Central Agency The McGowan Companies Tokio Marine HCC Specialty Group UCA General Insurance Services Vilage & Company Western Special Risks Western World Insurance Group Zurich Programs

www.northernum.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.platinumleisure.com www.sterlingrisk.com www.stonebridgeuw.com www.sgainfl.com www.suitelifeins.com www.thecentralagency.com www.mcgowancompanies.com www.hcc.com www.ucageneral.com www.vilageco.com www.westernspecialrisks.com www.westernworld.com www.zprogramsmatch.com

855-825-9353 800-291-6846 212-608-4800 877-547-4671 609-818-9534 800-767-7837 877-965-0123 877-669-8886 800-282-6247 800-678-1642 800-545-1538 781-994-6251 800-222-5582 212-796-6109 888-317-5575 201-847-8600 866-873-0782

www.allsolutionspbs.com www.aesins.com www.advancedesgroup.com www.amwins.com www.centrexuw.com www.combinedgroup.com www.e-o.com www.foundersinsurance.com www.horizonsurplus.com www.ies-xs.com www.intlxs.com www.midvalleyga.com www.monarchexcess.com www.peoples.com/insurance www.prohostusa.com www.promontspecialty.com www.scui.com www.specialmarkets.com www.sgainfl.com www.sgainga.com www.sibrokers.com www.gotapco.com www.hcc.com www.towerstonecorp.com www.usli.com www.vgmsu.com www.waschickedanz.com www.westernspecialrisks.com www.robertwrightinsurance.com

888-376-5884 312-957-4041 407-461-7221 704-973-3489 901-767-4754 214-295-1600 800-746-7167 800-972-8778 805-494-6553 800-487-2442 800-937-3497 503-365-7001 877-406-8026 800-543-3827 952-922-2404 312-262-3300 800-824-4403 800-818-7642 877-669-8886 800-825-5742 888-495-4950 800-418-2726 781-994-6251 972-725-2100 888-523-5545 913-433-2331 618-233-0644 888-317-5575 949-489-1833

www.actinsurance.com www.amwins.com www.buainsurance.com www.combinedgroup.com www.dunfield.biz www.entproins.com www.eventinsurancenow.com www.monarchexcess.com www.nsoins.com www.peoples.com/insurance www.preferredre.com www.specialmarkets.com www.hcc.com

888-568-0548 704-973-3489 888-772-5005 214-295-1600 800-899-6922 702-639-3997 503-227-0491 877-406-8026 800-366-1450 800-543-3827 803-790-4800 800-818-7642 781-994-6251

www.ajwayne.com www.alliantspecialty.com www.arrowheadgrp.com www.cal-regent.com www.combinedgroup.com www.monarchexcess.com www.hcc.com www.usrisk.com

773-328-0500 858-541-1900 619-881-8733 619-596-2770 214-295-1600 877-406-8026 781-994-6251 800-232-5830

Liquor Liability All Solutions PBS LLC Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region AmWINS Group Centrex Underwriters Combined Group ELM Insurance Brokers Founders Insurance Company Horizon E & S Insurance Brokerage Indemnity Excess and Surplus Agency International Excess Mid Valley General Agency Monarch E&S Insurance Services People's United Insurance Agency, Inc. ProHost USA Promont Specialty Southern Cross Underwriters Special Markets Insurance Consultants Strickland General Agency of Florida Strickland General Agency Strickland Insurance Brokers TAPCO Underwriters Tokio Marine HCC Specialty Group Towerstone United States Liability Insurance Group VGM Specialty Underwriters W.A. Schickedanz Agency Western Special Risks Wright Insurance Services

One-Day Event ACT Insurance Program AmWINS Group BUA Combined Group Dunfield Wholesale Insurance Brokers Entertainment Pro Insurance Gales Creek Insurance, a division of J.D. Fulwiler Insurance Monarch E&S Insurance Services N-Surance Outlets People’s United Insurance Agency Preferred Specialty Special Markets Insurance Consultants Tokio Marine HCC Specialty Group

Parking & Valet A.J. Wayne & Associates Alliant Specialty Insurance Services Arrowhead General Insurance Agency Cal-Regent Insurance Service Combined Group Monarch E&S Insurance Services Tokio Marine HCC Specialty Group U.S. Risk Insurance Group

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Resorts Willis Programs ResortGuard® www.willisprograms.com

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603-334-3029

A program designed for businesses engaged in the operation of destination resorts, resort condominiums, sportsmen’s lodges, boutique hotels, luxury guest ranches and country inns. ACE Group Combined Group Distinguished Programs Gillingham & Associates Monarch E&S Insurance Services National Specialty Underwriters SterlingRisk Tokio Marine HCC Specialty Group Venture Insurance Programs Willis Group Holdings Zurich Programs

www.acegroup.com/us www.combinedgroup.com www.distinguised.com www.phly.com www.monarchexcess.com www.nsui.com www.sterlingrisk.com www.hcc.com www.ventureprograms.com www.willis.com www.zprogramsmatch.com

215-640-5295 214-295-1600 888-355-4626 800-849-9288 877-406-8026 425-213-5130 800-767-7837 781-994-6251 800-282-6247 212-915-8888 866-873-0782

HOSPITALITY & ACCOMMODATION

Restaurants AmWINS Group www.amwins.com

704-973-3489

Am WINS Group is a leader in the specialty insurance distribution industry, with expertise across a diversified mix of property, casualty, group benefits and specialty insurance products. AmWINS also offers value-added services to support its products, including product development, underwriting, premium/claims administration and actuarial services. The firm places more than $11.1 billion in premium placements annually. AmWINS’ underwriting division offers retail agents a host of P&C programs for specific product lines, industry segments and business types. For more information, please visit www.amwins.com. Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Agency Intermediaries Agency Marketing Services Align General Insurance Agency All Risks, Ltd. Alliant Specialty Insurance Services American Underwriting Managers Anchor Bay Insurance Managers Appleby & Sterling AUI Bass Underwriters Benchmark Management Group Berrian Insurance Group Boston Insurance Brokerage Brecht & Associates Ck Specialty Insurance Associates Combined Group Commercial Risk Service Commodore Insurance Services Connecticut Underwriters Continental Brokers Continental Risk Insurance Services CRES Insurance Services Etowah Insurance Group Evergreen Insurance Managers Founders Insurance Company GSS Insurance Services Insurance Noodle Insurance Program Managers Group IPC Irving Weber Associates J.M. Wilson Jacobs & Associates Joseph Krar & Associates Keller & Co. Klein Insurance Services M.J. Hall and Company MarketScout McClelland and Hine

www.abraminterstate.com www.aesins.com www.agencyint.com www.agencymarketing.com www.aligngeneral.com www.allrisks.com www.alliantspecialty.com www.auminsur.com www.surpluslines.com www.applebyandsterling.com www.aui-inc.com www.bassuw.com www.bmgins.com www.big-ins.com www.bostonbrokerage.com www.brechtassoc.com www.ckspecialty.com www.combinedgroup.com www.commercialriskservice.com www.commodoreins.com www.ctunderwriters.com www.continentalbrokers.biz www.continentalriskins.com www.cresprograms.com www.theetowahgroup.com www.evergreeninsmgrs.com www.foundersinsurance.com www.gssinsurance.com www.insurancenoodle.com www.ipmg.us www.ipc-nv.com www.iwains.com www.jmwilson.com www.jacobsnow.org www.jkrar.com www.kellerandco.com www.kis-hospitality.com www.mjhallandcompany.com www.marketscout.com www.mhi-tx.com

800-955-4465 866-867-0505 800-262-7475 727-384-1036 619-333-2500 800-366-5810 610-539-0300 866-219-0427 (360) 649-8969 805-583-9828 800-993-0024 888-422-7715 630-778-7000 303-795-5831 866-331-1997 817-424-5335 800-411-0083 214-295-1600 888-636-0886 877-247-2500 800-982-3881 866-386-4136 866-699-2747 877-257-2737 706-378-3488 866-450-1150 800-972-8778 760-947-5500 888-466-8868 888-377-5845 775-782-6655 800-243-1811 800-666-5692 440-625-2690 800-886-5050 716-874-1644 973-754-6100 907-929-5822 972-934-4200 800-580-4463

Monarch E&S Insurance Services

www.monarchexcess.com

877-406-8026

National Insurance Underwriters Ohio E & S Agency

www.niuw.com www.ohioeands.com

800-338-2680 866-233-7091

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NE ProHost USA RCA Insurance Group Specialty Insurance Agency Tokio Marine HCC Specialty Group The McGowan Companies Tuscano Agency UCA General Insurance Services

www.prohostusa.com www.rca-insurance.com www.specialtyagency.com www.hcc.com www.mcgowancompanies.com www.tuscano.com www.ucageneral.com

952-922-2404 800-526-0147 800-836-1400 781-994-6251 800-545-1538 866-442-8063 800-222-5582

Weiss Insurance Agencies

www.weissins.com

630-584-1717

Western Security Surplus Insurance Brokers

www.wssib.com

800-733-5844

Combined Group M2 Insurance Services Monarch E&S Insurance Services RV Nuccio & Associates Sage Insurance Tokio Marine HCC Specialty Group

www.combinedgroup.com www.m2insuranceservices.com www.monarchexcess.com www.rvnuccio.com www.sageinsurance.com www.hcc.com

214-295-1600 877-520-8363 877-406-8026 800-567-2685 702-547-1900 781-994-6251

www.abraminterstate.com www.allrisks.com www.amsprograms.com www.the-brokers-broker.com www.calpayservices.com www.hapeo.com www.hullco.com www.monarchexcess.com www.omega4agents.com www.specialtyglobal.com www.stonehengeis.com www.usrisk.com www.wwspi.com www.zprogramsmatch.com

800-955-4465 800-366-5810 844-464-2667 949-415-7726 855-979-6161 800-845-5695 954-527-4855 877-406-8026 866-997-0711 212-201-5428 561-746-5027 800-232-5830 800-245-9653 866-873-0782

Abram Interstate Insurance Services AIG Artex Risk Solutions Commercial Sector Insurance Brokers Cooper & McCloskey Gilbert Trujillo Insurance Services Hull & Company M.J. Kelly Company Monarch E&S Insurance Services

www.abraminterstate.com www.aig.com www.artexrisk.com www.comsectorins.com www.cmiprorisk.com www.1bondsinsurance.com www.hullco.com www.mjkelly.com www.monarchexcess.com

800-955-4465 877-867-3783 630-694-5050 205-776-1600 415-433-7700 505-314-9203 954-527-4855 318-742-8211 877-406-8026

NSM Insurance Group

www.nsminc.com

508-634-2902

Pacific Gateway Insurance Agency Park Insurance Company PMC Insurance Group Risk Placement Services Transportation Risk Underwriters Truckers Insurance Associates Work First Casualty Company World Wide Specialty Programs Zurich Programs

www.pgiainsurance.com www.parkinsuranceco.com www.pmcinsurance.com www.rpsins.com www.transportationrisk.com www.truckers-insurance.com www.workfirstcasualty.com www.wwspi.com www.zprogramsmatch.com

800-354-4844 212-905-2604 781-449-7744 866-595-8413 800-977-9884 800-652-9515 877-772-4667 800-245-9653 866-873-0782

Abram Interstate Insurance Services CoverXSpecialty Hull & Company JH Insurance Services Life Science Risk Monarch E&S Insurance Services Regional Excess Underwriters Worldwide Facilities

www.abraminterstate.com www.coverx.com www.hullco.com www.jhinsurance.com www.lsrisk.com www.monarchexcess.com www.regionalxs.com www.wwfi.com

800-955-4465 800-762-6837 954-527-4855 877-544-4399 312-784-6005 877-406-8026 877-738-3170 678-736-6720

Cannarisk Insurance and Risk Managemnt Casey Insurance Group ChemPlan Consumer Specialties Insurance Company GP Insurance Brokers

www.cannarisk.com www.caseyinsurancegrp.com www.chemplan.net www.csiplus.com www.gpinsurancebrokers.com

800-606-2003 888-537-1412 800-410-1511 800-593-0116 619-232-3900

Weddings HOSPITALITY & ACCOMMODATION HUMAN RESOURCES

HUMAN RESOURCES Staffing Abram Interstate Insurance Services All Risks, Ltd. Alternative Market Insurance Services Bentley Wholesale Insurance Solutions Cal-Pay Services Harbor America Hull & Company Monarch E&S Insurance Services Omega Insurance Solutions Specialty Global Insurance Services Stonehenge Insurance Solutions U.S. Risk Insurance Group World Wide Specialty Programs Zurich Programs

LIFE SCIENCES

Temp Staffing

LIFE SCIENCES

Cannabis

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PROGRAM DIRECTORY

W MW GSS Insurance Services Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage Surety One Teso Insurance Services

www.gssinsurance.com www.monarchexcess.com www.neitclem.com www.suretyone.org www.tesoinsurance.com

760-947-5500 877-406-8026 612-454-4402 800-373-2804 714-329-2448

www.abraminterstate.com www.altuonline.com www.centurionusa.com www.founderspro.com www.eventinsurancenow.com www.lefebvreinsurance.com www.monarchexcess.com www.natlloyds.com www.propraxisins.com www.specialmarkets.com www.swett.com

800-955-4465 318-798-7703 800-258-3056 727-498-6503 503-227-0491 800-451-9668 877-406-8026 480-951-0905 212-401-1561 800-727-7642 404-240-5200

Clinical Research Abram Interstate Insurance Services Ark-La-Tex Underwriters Centurion Insurance Group Founders Professional Gales Creek Insurance, a division of J.D. Fulwiler Insurance Lefebvre Insurance Monarch E&S Insurance Services National Lloyds Insurance Company Pro-Praxis Insurance Special Markets Insurance Consultants Swett & Crawford

LIFE SCIENCES MANUFACTURERS & PRODUCERS

MANUFACTURERS & PRODUCERS Chemical Manufacturing & Products Freberg Environmental Follow Form Excess www.feiinsurance.com

800-377-4152

FEI offers combined commercial general liability (CGL) with environmental impairment liability (EIL) and products pollution for select classes of manufacturers and distributors. ChemPlan Combined Group Consumer Specialties Insurance Company Inter-Pacific Insurance Brokers Monarch E&S Insurance Services Napco NeitClem Wholesale Insurance Brokerage Sloan Mason Insurance Services Southwest Risk Woodlands Insurance Services

www.chemplan.net www.combinedgroup.com www.csiplus.com www.interpacificbrokers.com www.monarchexcess.com www.napcollc.com www.neitclem.com www.sloanmason.com www.swrisk.com www.woodlandsinsurance.com

800-410-1511 214-295-1600 800-593-0116 559-634-1400 877-406-8026 723-549-5222 612-454-4402 601-914-7323 214-206-4900 281-367-5010

Manufacturers Willis Programs PlasticsGuard® www.willisprograms.com

860-756-7367

A program tailored to fit many plastics operations, including plastics manufacturers, distributors of plastic-related products, extruders and plastic injection molders. Abram Interstate Insurance Services Alternative Market Insurance Services American Lumber Underwriters Arrowhead General Insurance Agency Citadel Insurance Services Ck Specialty Insurance Associates Combined Group Commercial Sector Insurance Brokers CoverXSpecialty DFCORBY Insurance Services Financial Risk Solutions James River Insurance Company Joseph Chiarello & Co. Klinger Associates MacAfee & Edwards Monarch E&S Insurance Services Napco Russell Bond & Co. Southwest Risk USASIA Insurance Services USX/S

www.abraminterstate.com www.amsprograms.com www.aluins.com www.arrowheadgrp.com www.citadelus.com www.ckspecialty.com www.combinedgroup.com www.comsectorins.com www.coverx.com www.dfcorby.com www.financialrs.com www.jamesriverins.com www.guninsurance.com www.klinger-insurance.com www.macafeeandedwards.com www.monarchexcess.com www.napcollc.com www.russellbond.com www.swrisk.com www.usasia-ins.com www.usxs.net

800-955-4465 844-464-2667 800-850-9744 619-881-8733 877-247-4468 800-411-0083 214-295-1600 205-776-1600 800-762-6837 714-992-4448 866-674-9503 804-289-2700 800-526-2199 317-845-9890 213-629-9777 877-406-8026 723-549-5222 800-333-7226 214-206-4900 909-618-0288 800-574-8797

www.abraminterstate.com www.aon.com www.combinedgroup.com www.intlxs.com www.monarchexcess.com www.veracityinsurance.com

800-955-4465 800-842-4084 214-295-1600 800-937-3497 877-406-8026 866-395-1308

Medical Equipment Manufacturers Abram Interstate Insurance Services Aon Affinity Combined Group International Excess Program Managers Monarch E&S Insurance Services Veracity Insurance Solutions

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Metal & Plastic Manufacturing Abram Interstate Insurance Services Boston Insurance Brokerage Combined Group Harbor America Monarch E&S Insurance Services Patriot National Underwriters Southwest Risk The Andrew Agency Western Special Risks

www.abraminterstate.com www.bostonbrokerage.com www.combinedgroup.com www.hapeo.com www.monarchexcess.com www.patriotnational.com www.swrisk.com www.theandrewagency.com www.westernspecialrisks.com

800-955-4465 866-331-1997 214-295-1600 800-845-5695 877-406-8026 800-291-6846 214-206-4900 804-320-2886 888-317-5575

www.aon.com www.combinedgroup.com www.firstierga.com www.grnhll.com www.intlxs.com www.jamesriverins.com www.monarchexcess.com www.rockwoodinsurance.com www.swett.com

215-293-1191 214-295-1600 877-906-7944 832-413-4600 800-937-3497 804-289-2700 877-406-8026 800-558-8808 404-240-5200

Ark-La-Tex Underwriters Atlantic Risk Specialists Benchmark Management Group Combined Group Commercial Sector Insurance Brokers Continental Risk Insurance Services Cooper & McCloskey Cossio Insurance CoverXSpecialty DFCORBY Insurance Services Donald Gaddis Co. Insurance Services Gray-Stone & Company Horizon E & S Insurance Brokerage Insential

www.altuonline.com www.arspecialists.com www.bmgins.com www.combinedgroup.com www.comsectorins.com www.continentalriskins.com www.cmiprorisk.com www.cossioinsurance.com www.coverx.com www.dfcorby.com www.gaddiscompany.com www.gray-stone.com www.horizonsurplus.com www.insential.com

International Beauty Brokerage

www.beauty2000.org

International Excess Program Managers J.M. Wilson K&K Insurance Group K&M Henderson Insurance Services, Inc M.J. Kelly Company MacNeill Group Monarch E&S Insurance Services Pacific Coast E&S Insurance Services Southwest Risk Strickland Insurance Brokers The Mechanic Group Veracity Insurance Solutions Western Special Risks Wright Insurance Services

www.intlxs.com www.jmwilson.com www.kandkinsurance.com www.hendersoninsure.com www.mjkelly.com www.macneillgroup.com www.monarchexcess.com www.pacificcoastes.com www.swrisk.com www.sibrokers.com www.mechanicgroup.com www.veracityinsurance.com www.wssib.com www.robertwrightinsurance.com

318-798-7703 516-482-1881 630-778-7000 214-295-1600 205-776-1600 866-699-2747 415-433-7700 864-688-0121 800-762-6837 714-992-4448 312-853-0071 805-494-4440t 805-494-6553 888-571-6160 www.beauty2000. org 800-937-3497 800-666-5692 800-637-4757 916-788-8191 318-742-8211 800-432-3072 877-406-8026 800-528-5695 214-206-4900 888-495-4950 847-253-8130 866-395-1308 800-733-5844 949-489-1833

Arrowhead General Insurance Agency Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Marine Insurance Agency Global Partners Insurance Brokers IIABCal LIG Marine Managers Monarch E&S Insurance Services SeaBright Insurance Company The American Equity Underwriters

www.arrowheadgrp.com www.charterlakes.com www.continentalriskins.com www.globalmarineinsurance.com www.globalpartners-ins.com www.iiabcal.org www.ligmarine.com www.monarchexcess.com www.sbic.com www.amequity.com

619-881-8733 888-418-8301 866-699-2747 800-748-0224 888-240-7843 800-772-8998 415-513-5676 877-406-8026 206-269-8500 866-238-8754

www.boat-ins.com www.arrowheadgrp.com www.charterlakes.com www.continentalriskins.com www.continentalriskins.com www.globalpartners-ins.com www.merrimacins.com

631-549-2628 619-881-8733 888-418-8301 866-699-2747 713-260-1030 888-240-7843 407.551.0174

Pharmaceutical Aon Affinity Combined Group FirsTier General Agency Greenhill Insurance Services International Excess Program Managers James River Insurance Company Monarch E&S Insurance Services Rockwood Programs Swett & Crawford

MANUFACTURERS & PRODUCERS MARINE

Product Liability & Recall

MARINE

Commercial Marine Alan R. Mott Agency Arrowhead General Insurance Agency Charter Lakes Marine Insurance Agency Continental Risk Insurance Services Global Special Risks Global Partners Insurance Brokers Merrimac Marine Insurance

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PROGRAM DIRECTORY

Monarch E&S Insurance Services

www.monarchexcess.com

877-406-8026

Abram Interstate Insurance Services ACE Recreational Marine Insurance Monarch E&S Insurance Services The Navigators Group

www.abraminterstate.com www.acemarineinsurance.com www.monarchexcess.com www.navg.com

800-955-4465 215-640-2609 877-406-8026 212-244-2333

www.abraminterstate.com www.bvsainsurance.com www.bcoinc.com www.continentalmarineins.com www.continentalriskins.com www.globalpartners-ins.com www.monarchexcess.com www.tca-insurance.com

800-955-4465 800-224-1707 504-210-3620 866-699-2747 866-699-2747 888-240-7843 877-406-8026 770-205-2958

www.abraminterstate.com www.amwins.com www.bvsainsurance.com www.bcoinc.com www.globalspecialrisks.com www.monarchexcess.com

800-955-4465 704-973-3489 800-224-1707 504-210-3620 713-260-1030 877-406-8026

Hull

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Marina Boat Dealers Abram Interstate Insurance Services Bruce V. Schneider Associates Burnett & Company Continental Marine Continental Risk Insurance Services Global Partners Insurance Brokers Monarch E&S Insurance Services TCA Marine Insurance Services

MARINE

Maritime Employers Liability Abram Interstate Insurance Services AmWINS Group Bruce V. Schneider Associates Burnett & Company Global Special Risks Monarch E&S Insurance Services

Ocean Marine Abram Interstate Insurance Aspen Specialty Gencorp

www.abraminterstate.com 800-955-4465 www.aspenspecialty.com 646-502-1000 www.gencorpinsurancenetwork.com 800-232-0582

www.maritimepg.com Monarch E&S Insurance Services TCA Marine Insurance Services Transportation Risk Underwriters Wyvern International Insurance Brokers

www.monarchexcess.com www.tca-insurance.com www.transportationrisk.com www.wyverninsurance.com

877-406-8026 770-205-2958 800-686-2170 847-852-3160

www.abraminterstate.com www.americanreliable.com www.monarchexcess.com www.tmboatinsurance.com

800-955-4465 480-483-8666 877-406-8026 800-223-6268

Abram Interstate Insurance Services AmWINS Group Arrowhead General Insurance Agency LIG Marine Managers Maritime Program Group Monarch E&S Insurance Services SeaBright Insurance Company The American Equity Underwriters

www.abraminterstate.com www.amwins.com www.arrowheadgrp.com www.ligmarine.com www.maritimepg.com www.monarchexcess.com www.sbic.com www.amequity.com

800-955-4465 704-973-3489 619-881-8733 415-513-5676 800-366-8086 877-406-8026 206-269-8500 866-238-8754

Abram Interstate Insurance Services AmWINS Group Blue River Underwriters Empire Underwriters LowRateWorkComp Monarch E&S Insurance Services Omega Insurance Solutions Sloan Mason Insurance Services TCA Marine Insurance Services The American Equity Underwriters

www.abraminterstate.com www.amwins.com www.blueriveruw.com www.empireunderwriters.com www.lowrateworkcomp.com www.monarchexcess.com www.omega4agents.com www.sloanmason.com www.tca-insurance.com www.amequity.com

800-955-4465 704-973-3489 678-322-3538 800-758-8113 850-625-5190 877-406-8026 866-997-0711 619-325-1719 770-205-2958 866-238-8754

Abram Interstate Insurance Services AmWINS Group Arrowhead General Insurance Agency Diversified Insurance Facilities Global Partners Insurance Brokers Independent Insurance Agents & Brokers of New York Legacy Underwriters Marine Agency Corp Monarch E&S Insurance Services Quaker Special Risk Terheggen/Malone Marine Insurance Services

www.abraminterstate.com www.amwins.com www.arrowheadgrp.com www.diftx.com www.globalpartners-ins.com www.iiabny.org www.legacyunderwriters.com www.marineagency.com www.monarchexcess.com www.qsr-insurance.com www.mlinsurance.com

800-955-4465 704-973-3489 619-881-8733 281-364-8300 888-240-7843 800-962-7950 866-404-0723 800-763-4775 877-406-8026 800-447-4180 800-223-6268

Recreational Marine Abram Interstate Insurance Services American Reliable Insurance Company Monarch E&S Insurance Services Terheggen/Malone Marine Insurance Services

Ships & Ship Repairers

USL&H

Yacht

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MEDIA

MEDIA Abram Interstate Insurance Services

www.abraminterstate.com

800-955-4465

All Solutions PBS AmWINS Group ARC Excess & Surplus Donald Gaddis Co. Insurance Services Edgewater Holdings Etowah Insurance Group L.A. Xcess Insurance Brokers Socius Insurance Services ThinkRisk Underwriting Agency

www.allsolutionspbs.com www.amwins.com www.arcbrokers.com www.gaddiscompany.com www.edgewater.net www.theetowahgroup.com www.laxcess.com www.sociusinsurance.com www.thinkriskins.com

888-376-5884 704-973-3489 626-584-5050 312-853-0071 312-431-1767 706-378-3488 818-623-5415 813-281-4400 646-612-7808

www.alliantspecialty.com www.apexinsurance.com www.arrowheadgrp.com www.artexrisk.com www.civicrisk.com www.glatfelters.com

610-539-0300 800-366-1213 619-881-8733 630-694-5050 480-329-4919 717-741-0911

MUNICIPALITIES Alliant Specialty Insurance Services Apex Insurance Services Arrowhead General Insurance Agency Artex Risk Solutions CivicRisk Glatfelter Insurance Group

MUNICIPALITIES NONPROFITS & SOCIAL SERVICES

Loveland & Smart Insurance Services

www.lovelandsmart.com

(916)362-5500

Professional Governmental Underwriters Russell Bond & Co. Specialty Lines Underwriters Unisource Program Administrators XL E&S

www.pgui.com www.russellbond.com www.specialty-lines.com www.unisourcepa.com www.xlcatlin.com

800-586-6502 800-333-7226 262-737-8990 405-728-5116 312-444-6500

www.apexinsurance.com www.brownyardprograms.com www.pgui.com

800-366-1213 800-665-7304 800-586-6502

www.alliantspecialty.com www.amwins.com www.apexinsurance.com www.mybpem.com www.breckis.com www.theetowahgroup.com www.glatfelterpublicpractice.com www.grundy.com www.ipmg.us www.thinkriskins.com

610-539-0300 704-749-2700 800-366-1213 612-766-3827 678-322-3535 706-378-3488 800-233-1957 877-338-4004 888-377-5845 646-612-7808

www.cbic.com www.westernworld.com

800-765-2242 201-847-8600

AFC Insurance B & B Protector Plans Canon Insurance Service Charity First Combined Group Monarch E&SÂ Insurance Services Negley Associates NSM Insurance SterlingRisk Sullivan HealthCare Insurance Services, Inc. Tokio Marine HCC Specialty Group

www.afcins.com www.bbprotectorplans.com www.canoninsurance.com www.charityfirst.com www.combinedgroup.com www.monarchexcess.com www.jjnegley.com nsminc.com www.sterlingrisk.com www.sullivanhc.com www.hcc.com

610-866-0401 800-467-8734 310-859-8600 415-536-8438 214-295-1600 877-406-8026 800-548-4301 800-970-9778 800-767-7837 800-252-0355 781-994-6251

Abram Interstate Insurance Services AFC Insurance Anderson & Murison, Inc. Aon Affinity Aon Association Services Balsiger Insurance Charity First Ck Specialty Insurance Associates Combined Group ELM Insurance Brokers FTP

www.abraminterstate.com www.afcins.com www.andersonmurison.com www.aon.com www.aonassociationservices.com www.balsigerinsurance.com www.charityfirst.com www.ckspecialty.com www.combinedgroup.com www.e-o.com www.ftpins.com

800-955-4465 610-866-0401 800-234-6977 800-842-4084 800-432-7465 702-220-8640 415-536-8438 800-411-0083 214-295-1600 800-746-7167 732-679-3700

Police/Law Enforcement Apex Insurance Services Brownyard Programs Professional Governmental Underwriters

Public Entities Alliant Specialty Insurance Services AmWINS Program Underwriters Apex Insurance Services Berkley Public Entity Managers Breckenridge Insurance Services Etowah Insurance Group Glatfelter Public Practice Grundy Insurance Insurance Program Managers Group ThinkRisk

Public Officials Contractors Bonding and Insurance Company Western World Insurance Group

NONPROFITS & SOCIAL SERVICES Addiction, Drug, Alcohol

Adult Care

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Charitable Nonprofits Charity First www.charityfirst.com

800-352-2761

Charity First specializes in this unique niche and its individual classes. We offer specialty insurance solutions for everything from community action agencies, counseling centers and group homes to the Boys & Girls Clubs, performing arts groups, vocational/adult schools, YMCAs/YWCAs and much more. Our program is on admitted on A.M. Best rated A+ XV paper. Abram Interstate Insurance Services All Solutions PBS Alliance of Nonprofits for Insurance, Risk Retention Group Alliant Specialty Insurance Services Alliance Marketing and Insurance Services Aon Association Services Blais Excess & Surplus Agency of Texas Care Providers Insurance Services Charity First Combined Group Cooper & McCloskey Donald Gaddis Co. Insurance Services FirsTier General Agency Fox Point Programs Gateway Specialty Insurance Hyers and Associates Irwin Siegel Agency Jorgensen & Company Markel Specialty Monarch E&S Insurance Services Negley Associates Rockwood Programs Roush Insurance Services RV Nuccio & Associates Tokio Marine HCC Specialty Group Victor O. Schinnerer & Company Western Special Risks XL E&S

www.abraminterstate.com www.allsolutionspbs.com www.insurancefornonprofits.org www.alliantspecialty.com www.amisinsurance.com www.aonassociationservices.com www.blaisexcess.com www.ins-cps.com www.charityfirst.com www.combinedgroup.com www.cmiprorisk.com www.gaddiscompany.com www.firstierga.com www.foxpointprg.com www.gatewayspecialty.com www.ohioinsureplan.com www.siegelagency.com www.jorgensenandcompany.com www.markelinsurance.com www.monarchexcess.com www.jjnegley.com www.rockwoodinsurance.com www.roushins.com www.rvnuccio.com www.hcc.com www.schinnerer.com www.westernspecialrisks.com www.xlcatlin.com

NONPROFITS & AGRIBUSINESS SOCIAL SERVICES ADDICTION – DRUG, ALCOHOL

800-955-4465 888-376-5884 800-359-6422 610-539-0300 800-843-8550 202-429-8570 512-894-3460 800-761-7072 415-536-8438 214-295-1600 415-433-7700 312-853-0071 877-906-7944 800-499-7242 877-977-4474 888-901-5650 800-622-8272 201-447-4400 800-431-1270 877-406-8026 973-830-8500 800-558-8808 800-752-8402 800-567-2685 781-994-6251 301-961-9800 888-317-5575 312-444-6500

ADDICTION – DRUG, ALCOHOL ADDICTION – DRUG, ALCOHOL ADDICTION – DRUG, ALCOHOL

Social Services Charity First www.charityfirst.com

800-352-2761

www.abraminterstate.com www.afcins.com www.allstarfinancialgroup.com www.charityfirst.com www.combinedgroup.com www.ctunderwriters.com www.gatewayspecialty.com www.imslondonamerican.com www.monarchexcess.com www.nsminc.com www.sterlingrisk.com www.hcc.com www.usiaffinity.com

800-955-4465 610-866-0401 800-424-0132 415-536-8438 214-295-1600 800-982-3881 877-977-4474 214-373-3936 877-406-8026 800-970-9778 800-767-7837 781-994-6251 800-265-2876

www.ibamag.com

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PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY Accountants NAS Insurance: Cyber Liability for Accountants www.nasinsurance.com

PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

818-479-4305

The typical accountant and CPA maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind. Abram Interstate Insurance Services Apogee Insurance Group, a Berkshire Hathaway Company B & B Protector Plans CAMICO CB Malaga Insurance Services Combined Group Fox Point Programs Herbert H. Landy Insurance Jimcor Agencies Jorgensen & Company Monarch E&S Insurance Services National Insurance Partners Pearl Insurance Tokio Marine HCC Specialty Group TuscanoPro USI Affinity Brokerage Services

www.abraminterstate.com www.apogeeinsgroup.com www.bbprotectorplans.com www.camico.com www.cbspecialty.com www.combinedgroup.com www.foxpointprg.com www.landy.com www.jimcor.com www.jorgensenandcompany.com www.monarchexcess.com www.nationalinsurancepartners.com www.pearlinsurance.com www.hcc.com www.tuscanopro.com www.usiaffinity.com

800-955-4465 888-927-6433 877-566-4017 800-652-1772 877-245-5887 214-295-1600 800-499-7242 800-336-5422 800-334-0474 201-447-4400 877-406-8026 602-490-3270 800-447-4982 781-994-6251 866-442-8063 800-265-2876

Architects & Engineers Freberg Environmental Engineers, Laboratories, Consultants & Contractors www.feiinsurance.com 800-377-4152 The Freberg Engineers, Laboratories, Consultants & Contractors program writes A&E, consultants and laboratories, and has now expanded to include O&G consultants, contractors professional and roustabouts. Access E&S Insurance All Solutions PBS Arrowhead General Insurance Agency Breckenridge Insurance Services CB Malaga Insurance Services Combined Group CorRisk Solutions CRES Insurance Services Donald Gaddis Co. Insurance Services ELM Insurance Brokers Etowah Insurance Group Fox Point Programs Freberg Environmental Insurance Gateway Underwriters Agency Grapevine Insurancebrokers Jorgensen & Company Logic Underwriters Monarch E&S Insurance Services NeitClem Wholesale Insurance Brokerage New Day Underwriting Managers LLC PGI Commercial Professional Underwriters Agency Shelly, Middlebrooks & O’Leary Socius Insurance Services Sullivan Brokers Wholesale Insurance Solutions Tennant Risk Services Tokio Marine HCC Specialty Group TuscanoPro

www.access-es.com www.allsolutionspbs.com www.arrowheadgrp.com www.breckis.com www.cbspecialty.com www.combinedgroup.com www.corrisksolutions.com www.cresprograms.com www.gaddiscompany.com www.e-o.com www.theetowahgroup.com www.foxpointprg.com www.feiinsurance.com www.gua-stl.com www.grapevineinsurancebrokers.com www.jorgensenandcompany.com www.logicinsurance.com www.monarchexcess.com www.neitclem.com www.newdayunderwriting.com www.pgicommercial.com www.puainc.com www.shellyins.com www.sociusinsurance.com www.sbwis.com www.tennant.com www.hcc.com www.tuscanopro.com

619-462-1128 888-376-5884 619-881-8733 678-322-3535 877-245-5887 214-295-1600 404-869-1020 877-257-2737 312-853-0071 800-746-7167 706-378-3488 800-499-7242 720-931-2122 800-325-7652 707-251-8518 201-447-4400 214-739-0071 877-406-8026 612-454-4402 217-371-3732 973-631-7575 630-572-0600 800-342-2498 415-778-0310 213-626-1000 860-519-1301 781-994-6251 866-442-8063

www.abraminterstate.com www.arisksolutions.com www.charityfirst.com www.combinedgroup.com www.commodoreins.com www.cbic.com

800-955-4465 913-385-2455 415-536-8438 214-295-1600 877-247-2500 800-765-2242

Business Owners Abram Interstate Insurance Services Advanced Risk Solutions Charity First Combined Group Commodore Insurance Services Contractors Bonding and Insurance Company

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First Choice Insurance Intermediaries Grapevine Insurance Brokers Insurance Cloud Marketing Services International Underwriting Agency KZ Insurance Brokerage Monarch E&S Insurance Services Tokio Marine HCC Specialty Group

www.firstchoiceii.com www.grapevineinsurancebrokers.com www.icloudmarketing.org www.iua.bz www.kzib.com www.monarchexcess.com www.hcc.com

866-821-9572 707-251-8518 877-465-7473 718-461-8088 530-926-6030 877-406-8026 781-994-6251

Abram Interstate Insurance Services Apollo General Insurance Agency Avant AU Based Brightstone Insurance Services Combined Group IPC Monarch E&S Insurance Services National Indemnity Company Tokio Marine HCC Specialty Group

www.abraminterstate.com www.apgen.com www.avant.org.au www.brightstoneins.com www.combinedgroup.com www.ipc-nv.com www.monarchexcess.com www.nationalindemnity.com www.hcc.com

800-955-4465 800-624-5829 800-228-268 877-862-4755 214-295-1600 775-782-6655 877-406-8026 402-916-3000 781-994-6251

www.abraminterstate.com www.bsrins.com www.breckis.com www.csrisks.com www.combinedgroup.com www.eiipro.com www.foxpointprg.com www.landy.com www.kinginsuranceca.com www.monarchexcess.com www.synergy-ins.com www.hcc.com www.titlepac.com www.vgmsu.com

800-955-4465 800-768-7475 678-322-3535 800-956-7047 214-295-1600 800-355-1185 800-499-7242 800-336-5422 800-488-4096 877-406-8026 973-995-0500 781-994-6251 800-331-9759 913-433-2331

W MW

Couriers PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Home Inspectors Abram Interstate Insurance Services Bailey Special Risks Breckenridge Insurance Services Capitol Special Risks Combined Group Elite MGA Fox Point Programs Herbert H. Landy Insurance King Insurance Support Systems Monarch E&S Insurance Services Synergy Professional Associates Tokio Marine HCC Specialty Group TitlePac VGM Specialty Underwriters

Insurance Agents & Brokers NAS Insurance: Cyber Liability for Insurance Agents www.nasinsurance.com

818-479-4305

The typical insurance agency maintains a significant amount of confidential information pertaining to clients. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind. All Solutions PBS ARC Excess & Surplus Ark-La-Tex Underwriters Arrowhead General Insurance Agency Artisan Risk and Insurance Services Bailey Special Risks CB Malaga Insurance Services CITA Insurance Services Combined Group Commercial Insurance Group Construction Insurance Partners Cooper & McCloskey ELM Insurance Brokers Fox Point Programs Independent Insurance Agents & Brokers of New York Insurance Planning & Service Co. Jimcor Agencies K.L. Owens & Associates Kevin Dahlke Insurance Brokerage King Insurance Support Systems Klinger Associates Lee & Mason Financial Services Logic Underwriters Mercator Risk Services Midlands Management Corporation Modern Insurance Consultants Monarch E&S Insurance Services

www.allsolutionspbs.com www.arcbrokers.com www.altuonline.com www.arrowheadgrp.com www.artisanrisk.com www.bsrins.com www.cbspecialty.com www.citainsurance.com www.combinedgroup.com www.cig-llc.biz www.cip-stl.com www.cmiprorisk.com www.e-o.com www.foxpointprg.com www.iiabny.org www.ipscoagency.com www.jimcor.com www.klowensassociates.com www.dahlkeinsurance.com www.kinginsuranceca.com www.klinger-insurance.com www.leeandmason.com www.logicinsurance.com www.mercatorpro.com www.midlandsmgt.com www.modernins.com www.monarchexcess.com

888-376-5884 626-584-5050 318-798-7703 619-881-8733 857-233-0071 800-768-7475 877-245-5887 800-280-7250 214-295-1600 877-737-8054 800-316-4031 415-433-7700 800-746-7167 800-499-7242 800-962-7950 800-347-1109 800-334-0474 770-855-4723 619-287-8613 800-488-4096 317-845-9890 800-533-9469 214-739-0071 860-280-2146 405-840-0074 305-248-9495 877-406-8026

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PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Number One Insurance Agency Professional Underwriters Agency ProSight Specialty Insurance ProSurance Group RMIS Rockwood Programs Russell Bond & Co. RWISI Shelly, Middlebrooks & O’Leary South Texas General Insurance Agency Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Swiss Re Tennant Risk Services ThinkRisk Tokio Marine HCC Specialty Group US E&O Brokers WKFC Underwriting Managers

www.massagent.com www.puainc.com www.prosightspecialty.com www.prosurancegroup.com www.rmismga.com www.rockwoodinsurance.com www.russellbond.com www.rwisi.com www.shellyins.com www.stgia.com www.sbwis.com www.suncoastinsurance.com www.swissre.com www.tennant.com www.thinkriskins.com www.hcc.com www.useo.com www.wkfc.com

914-684-2000 630-572-0600 973-532-1900 800-310-4486 714-738-1383 800-558-8808 800-333-7226 813-220-9220 800-342-2498 800-873-6500 213-833-6185 800-300-8838 913-676-5200 860-519-1301 646-612-7808 781-994-6251 800-460-6424 480-329-4919

Abram Interstate Insurance Services Allen Financial Insurance/The Equestrian Group Combined Group GJ Sullivan Company Harbor America Indemnity Excess and Surplus Agency Monarch E&S Insurance Services Specialty Risk Associates TAPCO Underwriters The McGraw Group Tokio Marine HCC Specialty Group USASIA Insurance Services Western Heritage Insurance Company

www.abraminterstate.com www.eqgroup.com www.combinedgroup.com www.gjsullivan.com www.hapeo.com www.ies-xs.com www.monarchexcess.com www.specialty-risk.com www.gotapco.com www.mcgrawgroup.com www.hcc.com www.usasia-ins.com www.westernheritageins.com

800-955-4465 800-874-9191 214-295-1600 714-621-2300 800-845-5695 800-487-2442 877-406-8026 318-683-6209 800-334-5579 800-303-5000 781-994-6251 909-618-0288 800-873-9442

Janitorial

Lawyers Willis Programs: LawyerGuard® www.willisprograms.com

813-490-4924

Lawyers professional liability program that offers multiple options for law firms of all sizes. Coverages are individually tailored to fit the needs of each law firm.

NAS Insurance: Cyber Liability for Lawyers www.nasinsurance.com

818-479-4305

The typical law firm maintains a significant amount of confidential information pertaining to clients and ongoing litigation. This includes both personal and corporate information. The potential harm to clients, as well as resulting legal liability, may be significant. NetGuard™ Plus is network security and privacy insurance that features simplified underwriting for qualifying applicants. NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can choose options from the rate card and request to bind. Abram Interstate Insurance Services American Team Managers Insurance Services ARC Excess & Surplus B & B Protector Plans Bailey Special Risks Balsiger Insurance Centurion Insurance Group Concord Specialty Risk Combined Group Fox Point Programs Herbert H. Landy Insurance IFL for Lawyers James River Insurance Company Jimcor Agencies Jorgensen & Company Lawyer's Protector Plan Monarch E&S Insurance Services Number One Insurance Agency People’s United Insurance Agency Professional Underwriters Agency

www.abraminterstate.com www.atminsurance.com www.arcbrokers.com www.bbprotectorplans.com www.bsrins.com www.balsigerinsurance.com www.centurionusa.com www,concordspecialtyrisk.com www.combinedgroup.com www.foxpointprg.com www.landy.com www.iflforlawyers.com www.jamesriverins.com www.jimcor.com www.jorgensenandcompany.com www.lawyers.protectorplan.com www.monarchexcess.com www.massagent.com www.peoples.com/insurance www.puainc.com

800-955-4465 800-888-9891 626-584-5050 877-566-4017 800-768-7475 702-220-8640 800-258-3056 212-784-5678 214-295-1600 800-499-7242 800-336-5422 800-970-9778 804-289-2700 800-334-0474 201-447-4400 800-336-5529 877-406-8026 914-684-2000 800-543-3827 630-572-0600

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PROGRAM DIRECTORY

W MW Program Brokerage Corporation Swiss Re Target Professional Programs (formerly 5Star Professional) Tennant Risk Services Tokio Marine HCC Specialty Group USI Affinity Brokerage Services WKFC Underwriting Managers

www.programbrokerage.com www.swissre.com www.targetproins.com www.tennant.com www.hcc.com www.usiaffinity.com www.wkfc.com

866-607-8370 913-676-5200 312-855-2042 860-519-1301 781-994-6251 800-265-2876 480-329-4919

www.abraminterstate.com www.allsolutionspbs.com www.arcbrokers.com www.arrowheadgrp.com www.bsrins.com www.balsigerinsurance.com www.citainsurance.com www.combinedgroup.com www.ctunderwriters.com www.cip-stl.com www.foxpointprg.com www.gua-stl.com www.landy.com www.logicinsurance.com www.monarchexcess.com www.nsui.com www.oscis.com www.sterlingrisk.com www.sbwis.com www.suncoastinsurance.com www.synergy-ins.com www.titlepac.com www.tennant.com www.hcc.com www.usiaffinity.com

800-955-4465 888-376-5884 626-584-5050 619-881-8733 800-768-7475 702-220-8640 800-280-7250 214-295-1600 800-982-3881 800-316-4031 800-499-7242 800-325-7652 800-336-5422 214-739-0071 877-406-8026 425-213-5130 800-432-1258 800-767-7837 213-833-6185 800-300-8838 973-995-0500 800-331-9759 860-519-1301 781-994-6251 800-265-2876

Combined Group Fox Point Programs Herbert H. Landy Insurance Monarch E&S Insurance Services TitlePac Tokio Marine HCC Specialty Group

www.combinedgroup.com www.foxpointprg.com www.landy.com www.monarchexcess.com www.titlepac.com www.hcc.com

214-295-1600 800-499-7242 800-336-5422 877-406-8026 800-331-9759 781-994-6251

Abram Interstate Insurance Services American Business Insurance Services Combined Group Epic Intermediaries, Inc. Loveland & Smart Insurance Services Midwest Employers Casualty Company Monarch E&S Insurance Services Sunderland Insurance Services Tokio Marine HCC Specialty Group

www.abraminterstate.com www.abiinsurance.com www.combinedgroup.com www.epicintermediaries.com www.lovelandsmart.com www.mwecc.com www.monarchexcess.com www.sunderlandins.com www.hcc.com

800-955-4465 800-980-1950 214-295-1600 856-380-0217 916-362-5500 636-449-7000 877-406-8026 925-942-4020 781-994-6251

Abram Interstate Insurance Services Combined Group Corporate Risk Services CoverXSpecialty Monarch E&S Insurance Services ProWriters Tokio Marine HCC Specialty Group

www.abraminterstate.com www.combinedgroup.com www.midwestrisk.net www.coverx.com www.monarchexcess.com www.prowritersins.com www.hcc.com

800-955-4465 214-295-1600 800-440-7475 800-762-6837 877-406-8026 484-321-2335 781-994-6251

Abram Interstate Insurance Services Agency Marketing Services Capitol Special Risks Combined Group Commercial Sector Insurance Brokers Fox Point Programs Gilbert Trujillo Insurance Services

www.abraminterstate.com www.agencymarketing.com www.csrisks.com www.combinedgroup.com www.comsectorins.com www.foxpointprg.com www.1bondsinsurance.com

800-955-4465 727-384-1036 800-956-7047 214-295-1600 205-776-1600 800-499-7242 505-314-9203

Real Estate Agents & Brokers Abram Interstate Insurance Services All Solutions PBS ARC Excess & Surplus Arrowhead General Insurance Agency Bailey Special Risks Balsiger Insurance CITA Insurance Services Combined Group Connecticut Underwriters Construction Insurance Partners Fox Point Programs Gateway Underwriters Agency Herbert H. Landy Insurance Logic Underwriters Monarch E&S Insurance Services National Specialty Underwriters Overby Seawell Co. SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Sun Coast General Insurance Synergy Professional Associates TitlePac Tennant Risk Services Tokio Marine HCC Specialty Group USI Affinity Brokerage Services

PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Real Estate Appraisals

Self-Insured

Small Businesses

Title Agents

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PROFESSIONAL, MANAGEMENT & PERSONAL LIABILITY

Herbert H. Landy Insurance Hull & Company

www.landy.com www.hullco.com

800-336-5422 954-527-4855

International Transportation & Marine Agency

www.itmagency.com

480-556-0200

M.J. Kelly Company

www.mjkelly.com

318-742-8211

Mid-Continent General Agency Monarch E&S Insurance Services Pacific Gateway Insurance Agency Park Insurance Company Professional Liability Specialists Synergy Professional Associates TitlePac Tokio Marine HCC Specialty Group

www.mid-continentga.com www.monarchexcess.com www.pgiainsurance.com www.parkinsuranceco.com www.plsins.com www.synergy-ins.com www.titlepac.com www.hcc.com

713-965-6900 877-406-8026 800-354-4844 212-905-2604 973-422-1121 973-995-0500 800-331-9759 781-994-6251

www.allrisks.com www.amisinsurance.com www.surpluslines.com www.brownyardprograms.com www.ctunderwriters.com www.costanzainsurance.com www.coverx.com www.IzzoInsurance.com www.monarchexcess.com www.onpointunderwriting.com www.oryxinsurance.com www.sigmaprograms.com www.mechanicgroup.com

800-366-5810 800-843-8550 800-554-3301 800-665-7304 800-982-3881 800-346-0942 800-762-6837 800-800-1704 877-406-8026 888-996-7600 607-724-0173 954-893-1720 800-214-0207

All Risks, Ltd. AmWINS Group Blue River Underwriters Construction Insurance Solutions CoverXSpecialty Monarch E&S Insurance Services Oryx Insurance Brokerage RelMark Program Managers

www.allrisks.com www.amwins.com www.blueriveruw.com www.constructioninsurancesolutions.com www.coverx.com www.monarchexcess.com www.oryxinsurance.com www.relmark.net

800-366-5810 704-973-3489 678-322-3538 800-842-3653 800-762-6837 877-406-8026 607-724-0173 800-874-5880

Firearms Insurance Agent Cochrane & Company Costanza Insurance Agency Joseph Chiarello & Co. MMD Brokers Monarch E&S Insurance Services

www.firearmsinsuranceagent.com www.cochraneco.com www.costanzainsurance.com www.guninsurance.com www.mmdbrokers.com www.monarchexcess.com

877-776-4015 800-441-4535 800-346-0942 800-526-2199 505-554-1571 877-406-8026

www.bsrins.com www.monarchexcess.com www.piu.org www.privateclientinsurancegroup.com

800-768-7475 877-406-8026 800-345-8816 866-540-9101

www.amisinsurance.com www.brownyardprograms.com www.costanzainsurance.com www.coverx.com www.monarchexcess.com www.pisginsurance.com

800-843-8550 800-665-7304 800-346-0942 800-762-6837 877-406-8026 888-728-2746

www.brownyard.com www.brownyardprograms.com www.bsgins.com www.capitol.net www.ckspecialty.com www.costanzainsurance.com www.coverx.com www.izzoinsurance.com www.monarchexcess.com www.mechanicgroup.com

800-645-5820 800-665-7304 877-404-4299 608-829-4208 800-411-0083 800-346-0942 800-762-6837 800-800-1704 877-406-8026 800-214-0207

PROTECTION & SECURITY Alarm All Risks, Ltd. Alliance Marketing and Insurance Services Anchor Bay Insurance Managers Brownyard Programs Connecticut Underwriters Costanza Insurance Agency CoverXSpecialty Izzo Insurance Services Monarch E&S Insurance Services OnPoint Underwriting Oryx Insurance Brokerage Sigma Underwriting Managers The Mechanic Group

PROTECTION & SECURITY

Fire Protection/Sprinkler

Firearms

Kidnap, Ransom, Extortion Bailey Special Risks Monarch E&S Insurance Services Petersen International Underwriters Private Client Insurance Group

Private Investigators Alliance Marketing and Insurance Services Brownyard Programs Costanza Insurance Agency CoverXSpecialty Monarch E&S Insurance Services Nagashima Pavarini

Security Guards Brownyard Group Brownyard Programs Buy Security Guard Insurance Capitol Insurance Companies Ck Specialty Insurance Associates Costanza Insurance Agency CoverXSpecialty Izzo Insurance Services Monarch E&S Insurance Services The Mechanic Group

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PROGRAM DIRECTORY

W MW Wright Insurance Services

www.robertwrightinsurance.com

949-489-1833

www.abraminterstate.com www.advancedesgroup.com www.cidinsurance.com www.allrisks.com www.auminsur.com www.amwins.com www.applebyandsterling.com www.altuonline.com www.arrowheadgrp.com www.balsigerinsurance.com www.bassuw.com www.bmgins.com www.cabgen.com www.cibaservices.com www.combinedgroup.com www.ctunderwriters.com www.conwayes.com www.core-programs.com www.dunfield.biz www.distinguished.com www.ftpins.com www.gjsullivan.com www.gray-stone.com www.horizonsurplus.com www.iiabcal.org www.ipoausa.com www.jimcor.com www.jmrexcess.com www.hendersoninsure.com www.mhi-tx.com www.medjames.com www.metcomexcess.com www.monarchexcess.com www.neitclem.com www.neeis.com www.nsa-mga.com www.pacificcoastes.com www.patriotnational.com www.ppp-quotes.com www.programbrokerage.com www.redshield.com www.abinsurance.com www.roundhillexpress.com www.stgia.com www.swrisk.com www.sovereignins.com www.specialty-lines.com www.amwins.com/spfm www.sterlingrisk.com www.sgainfl.com www.gotapco.com www.tennant.com www.thecentralagency.com www.lewischester.com www.towerstonecorp.com www.towerstonecorp.com www.vgmsu.com www.wssib.com www.wholesalebrokerins.com

800-955-4465 954-842-7826 800-922-7283 800-366-5810 866-219-0427 704-973-3489 805-583-9828 318-798-7703 619-881-8733 702-220-8640 888-422-7715 630-778-7000 858-244-0550 818-638-8525 214-295-1600 800-982-3881 800-748-9520 877-585-4048 800-899-6922 888-355-4626 732-679-3700 714-621-2300 805-494-4440 805-494-6553 800-772-8998 407-260-8200 800-334-0474 866-954-9990 916-788-8191 800-580-4463 800-255-6503 201-641-5100 877-406-8026 612-454-4402 877-856-9231 800-328-0828 800-772-8538 800-291-6846 877-547-4671 866-607-8370 800-527-7397 617-419-2600 718-576-2680 800-873-6500 214-206-4900 800-843-0843 262-737-8990 866-308-7736 800-767-7837 877-669-8886 800-334-5579 860-519-1301 800-678-1642 908-273-6100 972-725-2100 972-725-2100 913-433-2331 800-733-5844 877-270-7362

www.allrisks.com www.amwins.com www.bostonbrokerage.com www.buainsurance.com

800-366-5810 704-973-3489 866-331-1997 888-772-5005

REAL ESTATE Apartments Abram Interstate Insurance Services Advanced E&S Group - Southeast Region Agostini Wholesale Insurance All Risks, Ltd. American Underwriting Managers AmWINS Group Appleby & Sterling Ark-La-Tex Underwriters Arrowhead General Insurance Agency Balsiger Insurance Bass Underwriters Benchmark Management Group Cabrillo Coastal General Insurance CIBA Insurance Services Combined Group Connecticut Underwriters Conway E & S Core Programs Dunfield Wholesale Insurance Brokers Distinguished Programs FTP GJ Sullivan Company Gray-Stone & Company Horizon E & S Insurance Brokerage IIABCal Insurance Programs of America Jimcor Agencies JMR Excess & Surplus Insurance Services K&M Henderson Insurance Services McClelland and Hine Med James Metcom Excess Monarch E&SÂ Insurance Services NeitClem Wholesale Insurance Brokerage New Empire Group Northern States Agency Pacific Coast E&S Insurance Services Patriot National Underwriters Preferred Property Programs Program Brokerage Corporation Red Shield Insurance Company RLA Insurance Intermediatries RoundHill Express South Texas General Insurance Agency Southwest Risk Sovereign Group International Specialty Lines Underwriters Specialty Programs & Facilities Managers (AmWINS) SterlingRisk Strickland General Agency of Florida TAPCO Underwriters Tennant Risk Services The Central Agency The Lewis Chester Group Towerstone UCA General Insurance Services VGM Specialty Underwriters Western Security Surplus Insurance Brokers Wholesale Brokerage & Insurance Services

PROTECTION & SECURITY REAL ESTATE

Coastal Property All Risks, Ltd. AmWINS Group Boston Insurance Brokerage BUA

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REAL ESTATE

Cabrillo Coastal General Insurance Coastal Agents Alliance Combined Group Commercial Insurance Group Connecticut Underwriters DeCotis Insurance Associates Distinguished Programs Excel Insurance Services GeoVera Holdings Insential International Catastrophe Insurance Managers Keith D. Peterson & Company MacNeill Group Monarch E&S Insurance Services Napco Select Insurance Markets Swett & Crawford

www.cabgen.com www.coastalagentsalliance.com www.combinedgroup.com www.cig-llc.biz www.ctunderwriters.com www.decotisinsurance.com www.distinguished.com www.excelins.com www.geoveraholdingsinc.com www.insential.com www.icat.com www.keithdpeterson.com www.macneillgroup.com www.monarchexcess.com www.napcollc.com www.selectinsurancemarkets.com www.swett.com

858-244-0550 609-390-1645 214-295-1600 877-737-8054 800-982-3881 781-794-1400 888-355-4626 877-530-0111 707-863-3700 888-571-6160 303-447-1155 804-643-7800 800-432-3072 877-406-8026 723-549-5222 800-489-2501 404-240-5200

Abram Interstate Insurance Services Advanced AFG Risk Services All Risks, Ltd. AmWINS Group Blais Excess & Surplus Agency of Texas Cabrillo Coastal General Insurance CIBA Insurance Services Coastal Agents Alliance Combined Group Core Programs Distinguished Programs First American Property & Casualty Insurance Co. Gerald J. Wilkoff Horizon E & S Insurance Brokerage Ian H. Graham Insurance InSmart Risk Purchasing Group Insurance Center Special Risks Limited Kevin Davis Insurance Services Lighthouse Property Insurance Corporation Monarch E&S Insurance Services

www.abraminterstate.com www.eventshield.com www.allrisks.com www.amwins.com www.blaisexcess.com www.cabgen.com www.cibaservices.com www.coastalagentsalliance.com www.combinedgroup.com www.core-programs.com www.distinguished.com www.firstam.com www.wilkoffbonds.com www.horizonsurplus.com www.ihginsurance.com ww.insmartnational.com www.specialrisksltd.com www.kdisonline.com www.lighthousepropertyins.com www.monarchexcess.com

800-955-4465 203-267-4661 800-366-5810 704-973-3489 512-894-3460 858-244-0550 818-638-8525 609-390-1645 214-295-1600 877-585-4048 888-355-4626 888-474-7500 516-747-0200 805-494-6553 800-621-2324 914-607-5020 888-773-7475 877-807-8708 888-544-4885 877-406-8026

New Empire Group

www.newempiregroup.com

516-431-8300

Preferred Concepts Preferred Property Programs Sigma Underwriting Managers Specialty Programs & Facilities Managers (AmWINS) SterlingRisk TAPCO Underwriters The Central Agency UCA General Insurance Services VGM Specialty Underwriters Vilage & Company Vision One Insurance Services

www.preferredconcepts.com www.ppp-quotes.com www.sigmaprograms.com www.amwins.com/spfm www.sterlingrisk.com www.gotapco.com www.thecentralagency.com www.ucageneral.com www.vgmsu.com www.vilageco.com www.visiononeinsurance.com

212-608-4800 877-547-4671 954-893-1720 866-308-7736 800-767-7837 800-334-5579 800-678-1642 800-222-5582 913-433-2331 212-796-6109 800-557-4119

www.arrowheadgrp.co www.combinedgroup.com www.distinguished.com www.gicunderwriters.com www.gjsullivan.com www.monarchexcess.com www.pennockins.com

619-881-8733 214-295-1600 888-355-4626 305-554-0353 714-621-2300 877-406-8026 800-662-5182

Condos

Foreclosure Properties Arrowhead General Insurance Agency Combined Group Distinguished Programs GIC Underwriters GJ Sullivan Company Monarch E&S Insurance Services Pennock Insurance

Lessor’s Risk NAS Insurance: Miscellaneous E&O for Property Managers www.nasinsurance.com 818-479-4304 NAS Insurance’s Property Managers and Lessors program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a residential and/ or commercial property management or leasing firm. The program offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can request to bind without waiting for a quote.

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W MW AmWINS Group www.amwins.com

704-973-3489

www.abraminterstate.com www.eventshield.com www.cidinsurance.com www.amwins.com www.atlanticspecial.com www.combinedgroup.com www.distinguished.com www.dmi-insurance.com www.dunfield.biz www.gjsullivan.com www.gssinsurance.com www.kzib.com www.monarchexcess.com www.amwins.com/spfm www.specialty-risk.com www.gotapco.com www.wkfc.com

800-955-4465 203-267-4661 800-922-7283 704-973-3489 877-545-9100 214-295-1600 888-355-4626 800-877-2525 800-899-6922 714-621-2300 760-947-5500 530-926-6030 877-406-8026 866-308-7736 318-683-6209 800-334-5579 480-329-4919

www.cabgen.com www.cnico.com www.combinedgroup.com www.distinguished.com www.foremost.com www.thehelpfulpeople.com www.monarchexcess.com

858-244-0550 800-760-5001 214-295-1600 888-355-4626 800-237-6136 800-869-2022 877-406-8026

www.abraminterstate.com www.arrowheadgrp.com www.cabgen.com www.combinedgroup.com www.autoinsureit.com www.eibdirect.com www.specialrisksltd.com www.insurancehouse.com www.jebrown.net www.kinginsuranceca.com www.monarchexcess.com www.natlloyds.com www.shoemaker-besser.com www.stgia.com www.thecentralagency.com

800-955-4465 619-881-8733 858-244-0550 214-295-1600 631-758-6782 877-678-7342 888-773-7475 800-282-7024 800-955-8213 800-488-4096 877-406-8026 480-951-0905 800-632-9002 800-873-6500 800-678-1642

www.abraminterstate.com www.aesins.com www.advancedesgroup.com www.aui-inc.com www.braishfield.com www.cibaservices.com www.combinedgroup.com www.distinguished.com www.iiigroup.com www.icat.com www.kzib.com www.meadowbrook.com www.monarchexcess.com www.ppp-quotes.com

800-955-4465 866-867-0505 407-461-7221 800-993-0024 888-335-6616 818-638-8525 214-295-1600 888-355-4626 800-523-6422 303-447-1155 530-926-6030 800-482-2726 877-406-8026 888-548-2465

REAL ESTATE

Manufactured Homes Cabrillo Coastal General Insurance Century National Insurance Company Combined Group Distinguished Programs Foremost Grand General Agency Monarch E&S Insurance Services

Mobile Homes Abram Interstate Insurance Services Arrowhead General Insurance Agency Cabrillo Coastal General Insurance Combined Group Combined Resources Evolution Insurance Brokers Insurance Center Special Risks Limited Insurance House J.E. Brown & Associates King Insurance Support Systems Monarch E&S Insurance Services National Lloyds Insurance Company Shoemaker & Besser Associates South Texas General Insurance Agency The Central Agency

Office Buildings Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region AUI Braishfield Associates CIBA Insurance Services Combined Group Distinguished Programs Insurance Innovators International Catastrophe Insurance Managers KZ Insurance Brokerage Meadowbrook Insurance Group Monarch E&S Insurance Services Preferred Property Programs

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Preferred Specialty SterlingRisk UCA General Insurance Services Vilage & Company WKFC Underwriting Managers

www.preferredre.com www.sterlingrisk.com www.ucageneral.com www.vilageco.com www.wkfc.com

803-790-4800 800-767-7837 800-222-5582 212-796-6109 480-329-4919

www.abraminterstate.com www.combinedgroup.com www.distinguished.com www.dunfield.biz www.ies-xs.com www.monarchexcess.com www.amwins.com/spfm www.gotapco.com www.usasia-ins.com

800-955-4465 214-295-1600 888-355-4626 800-899-6922 800-487-2442 877-406-8026 866-308-7736 800-334-5579 909-618-0288

Owners, Landlords, Tenants

REAL ESTATE

Abram Interstate Insurance Services Combined Group Distinguished Programs Dunfield Wholesale Insurance Brokers Indemnity Excess and Surplus Agency Monarch E&S Insurance Services Specialty Programs & Facilities Managers (AmWINS) TAPCO Underwriters USASIA Insurance Services

Property Managers NAS Insurance: Miscellaneous E&O for Property Managers www.nasinsurance.com 818-479-4304 NAS Insurance’s Property Managers and Lessors program offers a robust and targeted insurance solution that is tailored for the unique needs and exposures of a residential and/ or commercial property management or leasing firm. The program offers a streamlined application process that simplifies quoting and binding. The applicant who meets program qualifications can request to bind without waiting for a quote. Abram Interstate Insurance Services All Risks, Ltd. ARC Excess & Surplus Arrowhead General Insurance Agency Capitol Special Risks CIBA Insurance Services CID Insurance Programs Combined Group Distinguished Programs ELM Insurance Brokers Fox Point Programs Herbert H. Landy Insurance Ian H. Graham Insurance InSmart Risk Purchasing Group Logic Underwriters Monarch E&S Insurance Services Preferred Concepts QuoteNBind SterlingRisk Sullivan Brokers Wholesale Insurance Solutions Synergy Professional Associates The Lewis Chester Group

www.abraminterstate.com www.allrisks.com www.arcbrokers.com www.arrowheadgrp.com www.csrisks.com www.cibaservices.com www.cidinsurance.com www.combinedgroup.com www.distinguished.com www.e-o.com www.foxpointprg.com www.landy.com www.ihginsurance.com ww.insmartnational.com www.logicinsurance.com www.monarchexcess.com www.preferredconcepts.com www.quotenbind.com www.sterlingrisk.com www.sbwis.com www.synergy-ins.com www.lewischester.com

800-955-4465 800-366-5810 626-584-5050 619-881-8733 800-956-7047 818-638-8525 800-922-7283 214-295-1600 888-355-4626 800-746-7167 800-499-7242 800-336-5422 800-621-2324 914-607-5020 214-739-0071 877-406-8026 212-608-4800 213-293-4802 800-767-7837 213-833-6185 973-995-0500 908-273-6100

www.abraminterstate.com www.breckis.com www.combinedgroup.com www.distinguished.com www.e-o.com www.moj-co.com www.monarchexcess.com www.lewischester.com

800-955-4465 678-322-3535 214-295-1600 888-355-4626 800-746-7167 281-444-5167 877-406-8026 908-273-6100

www.abraminterstate.com www.braishfield.com www.combinedgroup.com www.distinguished.com ww.insmartnational.com www.ipc-nv.com www.jkrar.com www.monarchexcess.com www.napcollc.com www.patriotnational.com www.preferredconcepts.com www.ppp-quotes.com www.topains.com

800-955-4465 888-335-6616 214-295-1600 888-355-4626 914-607-5020 775-782-6655 800-886-5050 877-406-8026 723-549-5222 800-291-6846 212-608-4800 888-548-2465 818-466-5900

Real Estate Developers Abram Interstate Insurance Services Breckenridge Insurance Services Combined Group Distinguished Programs ELM Insurance Brokers Milton O. Johnston & Company Monarch E&S Insurance Services The Lewis Chester Group

Shopping Centers Abram Interstate Insurance Services Braishfield Associates Combined Group Distinguished Programs InSmart Risk Purchasing Group IPC Joseph Krar & Associates Monarch E&S Insurance Services Napco Patriot National Underwriters Preferred Concepts Preferred Property Programs TOPA Insurance Company

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UCA General Insurance Services

www.ucageneral.com

800-222-5582

Abram Interstate Insurance Services Advanced E&S Group - Southeast Region AmWINS Group Arlington/Roe & Co. Atlantic Risk Specialists Bass Underwriters Combined Group Commercial Insurance Group Dauntless Specialty Brokerage Distinguished Programs Foremost Grand General Agency Monarch E&S Insurance Services Southern Insurance Underwriters TAPCO Underwriters WKFC Underwriting Managers

www.abraminterstate.com www.advancedesgroup.com www.amwins.com www.arlingtonroe.com www.arspecialists.com www.bassuw.com www.combinedgroup.com www.cig-llc.biz www.dauntlessbrokerage.com www.distinguished.com www.foremost.com www.thehelpfulpeople.com www.monarchexcess.com www.siuins.com www.gotapco.com www.wkfc.com

800-955-4465 407-461-7221 704-973-3489 800-878-9891 516-482-1881 888-422-7715 214-295-1600 877-737-8054 888-655-6778 888-355-4626 800-237-6136 800-869-2022 877-406-8026 800-568-1700 800-334-5579 480-329-4919

Abram Interstate Insurance Services AmWINS Group Arrowhead General Insurance Agency Combined Group Distinguished Programs Element22 Insurance Services Monarch E&S Insurance Services SterlingRisk TAPCO Underwriters

www.abraminterstate.com www.amwins.com www.arrowheadgrp.com www.combinedgroup.com www.distinguished.com www.element22ins.com www.monarchexcess.com www.sterlingrisk.com www.gotapco.com

800-955-4465 704-973-3489 619-881-8733 214-295-1600 888-355-4626 888-882-4005 877-406-8026 800-767-7837 800-334-5579

Vacant Commercial Buildings

Warehouses

W MW

REAL ESTATE RELIGIOUS INSTITUTIONS RETAIL

RELIGIOUS INSTITUTIONS Charity First www.charityfirst.com

800-352-2761

Charity First serves the religious sector with a package policy tailored exclusively for denominational/non-denominational churches, synagogues, temples and more. Our program offers general liability, property, sexual abuse/molestation, medical payments, corporal punishment, pastoral & counseling liability, and several optional coverages. AMIS Alliance Marketing and Insurance Services AmWINS Group Arrowhead General Insurance Agency Charity First Combined Group Dunfield Wholesale Insurance Brokers Grand General Agency Integrity Now Insurance Brokers Monarch E&S Insurance Services Ramsgate Insurance Special Markets Insurance Consultants TAPCO Underwriters Weiss Insurance Agencies Western Heritage Insurance Company

www.amisinsurance.com www.amwins.com www.arrowheadgrp.com www.charityfirst.com www.combinedgroup.com www.dunfield.biz www.thehelpfulpeople.com www.integritynowins.com www.monarchexcess.com www.ramsgateinsurance.com specialmarkets.com www.gotapco.com weissins.com www.westernheritageins.com

800-843-8550 704-973-3489 619-881-8733 415-536-8438 214-295-1600 800-899-6922 800-869-2022 562-606-1030 877-406-8026 800-394-2767 1-800-818-7642 800-334-5579 630-584-1717 800-873-9442

Abram Interstate Insurance Services Advanced Risk Solutions Arrowhead General Insurance Agency AUI Ck Specialty Insurance Associates Combined Group IPC KZ Insurance Brokerage Monarch E&S Insurance Services N-Surance Outlets TOPA Insurance Company UCA General Insurance Services XL E&S

www.abraminterstate.com www.arisksolutions.com www.arrowheadgrp.com www.aui-inc.com www.ckspecialty.com www.combinedgroup.com www.ipc-nv.com www.kzib.com www.monarchexcess.com www.nsoins.com www.topains.com www.ucageneral.com www.xlcatlin.com

800-955-4465 800-976-6369 619-881-8733 800-993-0024 800-411-0083 214-295-1600 775-782-6655 530-926-6030 877-406-8026 800-366-1450 818-466-5900 800-222-5582 312-444-6500

Abram Interstate Insurance Services Arrowhead General Insurance Agency Combined Group Glatfelter Insurance Group

www.abraminterstate.com www.arrowheadgrp.com www.combinedgroup.com www.glatfelters.com

800-955-4465 619-881-8733 214-295-1600 800-233-1957

RETAIL

Car Washes

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Monarch E&S Insurance Services McClelland and Hine The Insurancenter

www.monarchexcess.com www.mhi-tx.com www.theinsurancenter.com

877-406-8026 800-580-4463 800-444-8675

www.abraminterstate.com www.auminsur.com www.arrowheadgrp.com www.combinedgroup.com www.ipc-nv.com www.iwains.com www.IzzoInsurance.com www.monarchexcess.com www.pacificcoastes.com www.pennockins.com www.ramsgateinsurance.com www.shoemaker-besser.com www.stgia.com www.gotapco.com www.towerstonecorp.com www.trytoninsurance.com www.vintageunderwriters.com www.wssib.com

800-955-4465 866-219-0427 619-881-8733 214-295-1600 775-782-6655 800-243-1811 800-800-1704 877-406-8026 800-772-8538 800-662-5182 800-394-2767 800-632-9002 800-873-6500 800-334-5579 972-725-2100 713-351-8490 800-488-5771 800-733-5844

www.abraminterstate.com www.allrisks.com www.arrowheadgrp.com www.bxsi.com www.combinedgroup.com www.interpacificbrokers.com www.jkrar.com www.monarchexcess.com www.phly.com www.tcif.org www.vgmsu.com

800-955-4465 800-366-5810 619-881-8733 800-486-8283 214-295-1600 559-634-1400 800-886-5050 877-406-8026 972-488-8535 800-256-6600 913-433-2331

www.abraminterstate.com www.bxsi.com www.braishfield.com www.combinedgroup.com www.distinguished.com www.monarchexcess.com www.prohostusa.com www.ucageneral.com

800-955-4465 800-486-8283 888-335-6616 214-295-1600 888-355-4626 877-406-8026 952-922-2404 800-222-5582

www.abraminterstate.com www.cmsrisk.com www.combinedgroup.com www.ipc-nv.com www.jkrar.com www.monarchexcess.com

800-955-4465 516-799-4200 214-295-1600 775-782-6655 800-886-5050 877-406-8026

Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Advanced E&S Group - Southeast Region Braishfield Associates CID Insurance Services Combined Group Hylant Group Irving Weber Associates Monarch E&S Insurance Services TAPCO Underwriters UCA General Insurance Services

www.abraminterstate.com www.aesins.com www.advancedesgroup.com www.braishfield.com www.cidinsurance.com www.combinedgroup.com www.hylant.com www.iwains.com www.monarchexcess.com www.gotapco.com www.ucageneral.com

800-955-4465 312-957-4041 954-842-7826 888-335-6616 800-922-7283 214-295-1600 312-283-1350 800-243-1811 877-406-8026 800-334-5579 800-222-5582

Abram Interstate Insurance Services Advanced E&S Group - Midwest Region Combined Group Dowell/IAS Jewelers unBLOCKed JSIS-Jewelers Specialty Insurance Services

www.abraminterstate.com www.aesins.com www.combinedgroup.com www.dowellias.com www.jewelers-unblocked.com www.jsis-ins.com

800-955-4465 866-867-0505 214-295-1600 201-794-7144 201-794-7705 213-488-1000

Convenience Stores Abram Interstate Insurance Services American Underwriting Managers Arrowhead General Insurance Agency Combined Group IPC Irving Weber Associates Izzo Insurance Services Monarch E&S Insurance Services Pacific Coast E&S Insurance Services Pennock Insurance Ramsgate Insurance Shoemaker & Besser Associates South Texas General Insurance Agency TAPCO Underwriters Towerstone Tryton Insurance Group Vintage Underwriters Western Security Surplus Insurance Brokers

RETAIL

Exterminators/Pest Control Abram Interstate Insurance Services All Risks, Ltd. Arrowhead General Insurance Agency BancorpSouth Insurance Services, Inc. Combined Group Inter-Pacific Insurance Brokers Joseph Krar & Associates Monarch E&S Insurance Services Philadelphia Insurance Companies Texas Commercial Insurance Facilities VGM Specialty Underwriters

Fast Food/Fast Casual Restaurants Abram Interstate Insurance Services BancorpSouth Insurance Services Braishfield Associates Combined Group Distinguished Programs Monarch E&S Insurance Services ProHost USA UCA General Insurance Services

Gas/Service Stations Abram Interstate Insurance Services CMS Combined Group IPC Joseph Krar & Associates Monarch E&S Insurance Services

Grocery Stores

Jewelers

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PROGRAM DIRECTORY

Monarch E&S Insurance Services Wasserman & Wexler

www.monarchexcess.com www.wexlerinsurance.com

877-406-8026 800-932-3062

Abram Interstate Insurance Services Align General Insurance Agency All Risks, Ltd. CMS Combined Group Gridiron Insurance Underwriters Monarch E&S Insurance Services

www.abraminterstate.com www.aligngeneral.com www.allrisks.com www.cmsrisk.com www.combinedgroup.com www.gridironins.com www.monarchexcess.com

800-955-4465 619-333-2500 800-366-5810 516-799-4200 214-295-1600 954-473-3653 877-406-8026

www.abraminterstate.com www.braishfield.com www.combinedgroup.com www.iiigroup.com www.liquorpak.com www.monarchexcess.com www.massagent.com

800-955-4465 888-335-6616 214-295-1600 800-523-6422 888-386-5701 877-406-8026 914-684-2000

www.abraminterstate.com www.arrowheadgrp.com www.armonline.com www.boltonmga.com www.combinedgroup.com ww.insmartnational.com www.monarchexcess.com

800-955-4465 619-881-8733 209-473-8938 502-583-8361 214-295-1600 914-607-5020 877-406-8026

W MW

Laundry

Liquor Stores Abram Interstate Insurance Services Braishfield Associates Combined Group Insurance Innovators Liquor Pak Insurance Programs Monarch E&S Insurance Services Number One Insurance Agency

RETAIL SENIOR CARE & HOUSING

Movie Theaters Abram Interstate Insurance Services Arrowhead General Insurance Agency Automotive Risk Management & Insurance Services Bolton & Company Combined Group InSmart Risk Purchasing Group Monarch E&S Insurance Services

Pizza Delivery Willis Programs PizzaGuard® www.willisprograms.com

813-490-4924

A program customized for pizza delivery restaurants. Designed for safety-conscious pizza delivery operators, it uniquely incorporates difficult-to-place non-owned as well as owned auto coverage with a business owner’s policy (BOP). Abram Interstate Insurance Services AFC Insurance AmWINS Group Besnard & Associates Combined Group IPC Monarch E&S Insurance Services ProHost USA Sunderland Insurance Services

www.abraminterstate.com www.afcins.com www.amwins.com www.besnardinsurance.com www.combinedgroup.com www.ipc-nv.com www.monarchexcess.com www.prohostusa.com www.sunderlandins.com

800-955-4465 610-866-0401 704-973-3489 877-200-1718 214-295-1600 775-782-6655 877-406-8026 952-922-2404 925-942-4020

SENIOR CARE & HOUSING Assisted Senior Living NAS Insurance: Residential Care Facility Liability www.nasinsurance.com

818-382-6102

New state government requirements are mandating professional liability coverage for owners of homes that serve as licensed residential care facilities for the elderly (RCFE). NAS Insurance Services leads the way in innovative specialty coverage for long-term residential care facilities. While other carriers are limiting coverage for sexual abuse, elopement and bedsores, NAS can provide up-to-the-limit coverage for all of these exposures.

AmWINS Group www.amwins.com

704-973-3489

www.abraminterstate.com

800-955-4465

AFC Insurance All Risks, Ltd. Allstar Financial Group

www.afcins.com www.allrisks.com www.allstarfinancialgroup.com

610-866-0401 800-366-5810 800-424-0132

American Underwriting Managers

www.auminsur.com

866-219-0427

AmWINS Group Aon Affinity Aon Association Services Argo Pro

www.amwins.com www.aon.com www.aonassociationservices.com www.argoprous.com

704-973-3489 800-842-4084 800-432-7465 441-296-5858

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Insurance Business America is the independent voice for the insurance industry, encompassing news analysis, expert opinion, exclusive interviews and business strategy advice for today’s sophisticated insurance brokers, agents and advice professionals.

KNOW ANYONE WHO SHOULD BE READING INSURANCE BUSINESS AMERICA? IBAMA G.COM

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about to and brokers is ates rance agents stig The world of insurm. Insurance Business inve ld g wor radically transfoto do to thrive in a changin d Casualty Property and what you nee

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PROGRAM DIRECTORY

W MW Arrowhead General Insurance Agency Bass Underwriters Boston Insurance Brokerage Commercial Insurance Solutions Commercial Risk Service Delta General Agency Corporation IMS/London American Mid-Continent General Agency Personal Care & Assisted Living Insurance Center

www.arrowheadgrp.com www.bassuw.com www.bostonbrokerage.com www.cis-ais.com www.commercialriskservice.com www.deltains.com www.imslondonamerican.com www.mid-continentga.com www.pcalic.com

619-881-8733 888-422-7715 866-331-1997 888-613-2224 888-636-0886 800-666-2678 214-373-3936 713-965-6900 800-673-2558

www.abraminterstate.com www.aioinc.us www.amwins.com www.aon.com www.grnhll.com www.insurancehouse.com www.sapphireblueuw.com

800-955-4465 800-310-8478 704-973-3489 215-293-1191 832-413-4600 800-282-7024 312-784-6007

www.abraminterstate.com www.atminsurance.com www.combinedgroup.com www.continentalbrokers.biz www.beauty2000.org www.ipc-nv.com www.monarchexcess.com www.roushins.com www.stgia.com www.sportsfitness.com www.gotapco.com www.towerstonecorp.com www.vgmsu.com

800-955-4465 800-888-9891 214-295-1600 866-386-4136 800-552-8870 775-782-6655 877-406-8026 800-752-8402 800-873-6500 800-844-0536 800-334-5579 972-725-2100 913-433-2331

www.abraminterstate.com www.aon.com www.combinedgroup.com www.continentalbrokers.biz www.insurtecinc.com www.monarchexcess.com www.sportsfitness.com www.sterlingrisk.com

800-955-4465 215-293-1191 214-295-1600 866-386-4136 800-606-0621 877-406-8026 800-844-0536 800-767-7837

www.abraminterstate.com www.combinedgroup.com www.conwayes.com www.iiigroup.com www.insurtecinc.com www.jkrar.com www.monarchexcess.com www.sterlingrisk.com

800-955-4465 214-295-1600 800-748-9520 800-523-6422 800-606-0621 800-886-5050 877-406-8026 800-767-7837

www.abraminterstate.com www.combinedgroup.com www.gicunderwriters.com www.iiigroup.com www.jkrar.com www.monarchexcess.com

800-955-4465 214-295-1600 305-554-0353 800-523-6422 800-886-5050 877-406-8026

www.abraminterstate.com www.braishfield.com www.brazosrisk.com www.combinedgroup.com www.fairwayunderwriters.com www.glencarum.com

800-955-4465 888-335-6616 877-282-7637 214-295-1600 800-662-2141 630-875-0723

Long-Term Care Abram Interstate Insurance Services American Insurance & Financial Services AmWINS Group Aon Affinity Greenhill Insurance Services Insurance House Sapphire Blue

SPA & BEAUTY Beauty & Barber Shops Abram Interstate Insurance Services American Team Managers Insurance Services Combined Group Continental Brokers International Beauty Brokerage IPC Monarch E&S Insurance Services Roush Insurance Services South Texas General Insurance Agency Sports & Fitness Insurance Corporation TAPCO Underwriters Towerstone VGM Specialty Underwriters

SENIOR CARE & HOUSING SPA & BEAUTY SPORTS, FITNESS & LEISURE

Spas/Day Spas Abram Interstate Insurance Services Aon Affinity Combined Group Continental Brokers Insurtec Tanning and Spa Insurance Monarch E&S Insurance Services Sports & Fitness Insurance Corporation SterlingRisk

Tanning Salons Abram Interstate Insurance Services Combined Group Conway E & S Insurance Innovators Insurtec Tanning and Spa Insurance Joseph Krar & Associates Monarch E&S Insurance Services SterlingRisk

Tattoo & Body Piercing Abram Interstate Insurance Services Combined Group GIC Underwriters Insurance Innovators Joseph Krar & Associates Monarch E&S Insurance Services

SPORTS, FITNESS & LEISURE Country Clubs, Golf Courses Abram Interstate Insurance Services Braishfield Associates Brazos Specialty Risk Combined Group Fairway Underwriters Glencar Underwriting Managers

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W MW

NE Haylor, Freyer & Coon Monarch E&S Insurance Services Sports & Fitness Insurance Corporation Tokio Marine HCC Specialty Group Venture Insurance Programs Weiss Insurance Agencies

www.haylor.com www.monarchexcess.com www.sportsfitness.com www.hcc.com www.ventureprograms.com www.weissins.com

800-289-1501 877-406-8026 800-844-0536 781-994-6251 800-282-6247 630-584-1717

Abram Interstate Insurance Services Combined Group Greenhill Insurance Services Infinite Wellness Solutions Joseph Krar & Associates Monarch E&S Insurance Services Sports & Fitness Insurance Corporation TAPCO Underwriters Tokio Marine HCC Specialty Group Western Security Surplus Insurance Brokers

www.abraminterstate.com www.combinedgroup.com www.grnhll.com www.infinitewellnesssolutions.com www.jkrar.com www.monarchexcess.com www.sportsfitness.com www.gotapco.com www.hcc.com www.wssib.com

800-955-4465 214-295-1600 832-413-4600 336-725-8624 800-886-5050 877-406-8026 800-844-0536 800-334-5579 781-994-6251 800-733-5844

Abram Interstate Insurance Services CGA Combined Group Entertainment Pro Insurance Excel Insurance Services Monarch E&S Insurance Services OnPoint Underwriting Tokio Marine HCC Specialty Group US Hole In One

www.abraminterstate.com www.cgainc.com www.combinedgroup.com www.entproins.com www.excelins.com www.monarchexcess.com www.onpointunderwriting.com www.hcc.com www.holeinoneinsurance.com

800-955-4465 800-242-7789 214-295-1600 702-639-3997 877-530-0111 877-406-8026 866-631-6555 781-994-6251 888-882-5440

Abram Interstate Insurance Services Allen Financial Insurance/The Equestrian Group AmWINS Group Combined Group L.A. Xcess Insurance Brokers Lefebvre Insurance Monarch E&S Insurance Services Petersen International Underwriters Special Markets Insurance Consultants Tokio Marine HCC Specialty Group

www.abraminterstate.com www.eqgroup.com www.amwins.com www.combinedgroup.com www.laxcess.com www.lefebvreinsurance.com www.monarchexcess.com www.piu.org www.specialmarkets.com www.hcc.com

800-955-4465 800-874-9191 704-973-3489 214-295-1600 818-623-5415 800-451-9668 877-406-8026 800-345-8816 800-727-7642 781-994-6251

Allen Financial Insurance/The Equestrian Group American Specialty Insurance & Risk Services Alliance Marketing and Insurance Services CGA Combined Group Cossio Insurance Costanza Insurance Agency Global Weather Insurance Agency L.A. Xcess Insurance Brokers Lefebvre Insurance Monarch E&S Insurance Services Petersen International Underwriters Pro-Risk Insurance Partners Sadler Sports & Recreation Special Markets Insurance Consultants Sports & Fitness Insurance Corporation Tokio Marine HCC Specialty Group

www.eqgroup.com www.amerspec.com www.amisinsurance.com www.cgainc.com www.combinedgroup.com www.cossioinsurance.com www.costanzainsurance.com www.globalweatherinsurance.com www.laxcess.com www.lefebvreinsurance.com www.monarchexcess.com www.piu.org www.pro-riskinsurance.com www.sadlersports.com www.specialmarkets.com www.sportsfitness.com www.hcc.com

800-874-9191 800-245-2744 800-843-8550 800-242-7789 214-295-1600 864-688-0121 800-346-0942 516-466-3138 818-623-5415 800-451-9668 877-406-8026 800-345-8816 860-305-9477 800-622-7370 800-727-7642 800-844-0536 781-994-6251

www.abraminterstate.com www.ais-insurance.net www.combinedgroup.com www.gatewayspecialty.com www.lefebvreinsurance.com www.monarchexcess.com www.riverportinsurance.com www.sadlersports.com www.specialmarkets.com

800-955-4465 972-991-0413 214-295-1600 877-977-4474 800-451-9668 877-406-8026 888-762-3083 800-622-7370 719-302-4216

Health Clubs/Gyms SPORTS, FITNESS & LEISURE SURETY TECHNOLOGY

Hole in One

Sporting Events

Sports

Youth Clubs/Sports Abram Interstate Insurance Services Accident Insurance Services Combined Group Gateway Specialty Insurance Lefebvre Insurance Monarch E&S Insurance Services Riverport Insurance Company Sadler Sports & Recreation Special Markets Insurance Consultants

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W MW Tokio Marine HCC Specialty Group

www.hcc.com

781-994-6251

AGA & Associates Insurance Group Alamo Surety Bonds Contractors Bonding and Insurance Company DBL Surety EZBondsOnline.com Gerald J. Wilkoff Goldleaf Surety Services J.M. Wilson Lance Surety Bond Associates Patriot Bonding Swift Bonds Universal Service Agency

www.mountainvalleyins.com www.alamobonds.com www.cbic.com www.dblsuretybonds.com www.ezbondsonline.com www.wilkoffbonds.com www.goldleafsurety.com www.jmwilson.com www.suretybonds.org www.patriotbonding.com swiftbonds.com www.universalbonds.com

201-773-0868 210-930-5550 800-765-2242 386-316-2547 866-546-4605 516-747-0200 888.294.6747 800-666-5692 877-514-5146 888-820-7420 913-214-8344 800-646-2401

SURETY

TECHNOLOGY Computer Programming Abram Interstate Insurance Services AmWINS Group BJW Insurance Services CMS Combined Group IT Risk Managers Logic Underwriters Monarch E&S Insurance Services ThinkRisk

SPORTS, FITNESS & LEISURE SURETY

www.abraminterstate.com www.amwins.com www.bjwins.com www.cmsrisk.com www.combinedgroup.com www.itriskmanagers.com www.logicinsurance.com www.monarchexcess.com www.thinkriskins.com

800-955-4465 704-973-3489 510-208-6625 516-799-4200 214-295-1600 888-280-8710 214-739-0071 877-406-8026 646-612-7808

www.abraminterstate.com www.agostinisurplus.com www.amwins.com www.apogeeinsgroup.com www.applebyandsterling.com www.arcbrokers.com www.atlanticspecial.com www.bsrins.com www.combinedgroup.com www.comsectorins.com www.theetowahgroup.com www.firstierga.com www.gua-stl.com www.1bondsinsurance.com www.hullco.com www.ies-xs.com www.itriskmanagers.com www.mjkelly.com www.monarchexcess.com www.parkinsuranceco.com www.puainc.com www.tennant.com www.transportationrisk.com www.truckers-insurance.com www.trytoninsurance.com www.tuscanopro.com

800-955-4465 800-922-7283 704-973-3489 888-927-6433 805-583-9828 626-584-5050 877-545-9100 800-768-7475 214-295-1600 205-776-1600 706-378-3488 877-906-7944 800-325-7652 (505) 314-9203 954-527-4855 800-487-2442 888-280-8710 318-742-8211 877-406-8026 212-905-2604 630-572-0600 860-519-1301 800-977-9884 800-652-9515 713-351-8237 800-442-8063

Abram Interstate Insurance Services AmWINS Group The Insurance Professionals

www.abraminterstate.com www.amwins.com www.theinspros.com

800-955-4465 704-973-3489 800-266-4446

Abram Interstate Insurance Services AmWINS Group Alteris Care Providers Insurance Services Delta General Agency Corporation KF&B Trans Risk Solutions

www.abraminterstate.com www.amwins.com www.argolimited.com www.ins-cps.com www.deltains.com www.kfbins.com www.transriskinsurance.com

800-955-4465 704-973-3489 415-901-2566 800-761-7072 800-666-2678 877-242-7700 732-675-6777

TECHNOLOGY TECHNOLOGY TRANSPORTATION & STORAGE

Technology Professionals & Businesses Abram Interstate Insurance Services Agostini Wholesale Insurance AmWINS Group Apogee Insurance Group, a Berkshire Hathaway Company Appleby & Sterling ARC Excess & Surplus Atlantic Specialty Lines Bailey Special Risks Combined Group Commercial Sector Insurance Brokers Etowah Insurance Group FirsTier General Agency Gateway Underwriters Agency Gilbert Trujillo Insurance Services Hull & Company Indemnity Excess and Surplus Agency IT Risk Managers M.J. Kelly Company Monarch E&S Insurance Services Park Insurance Company Professional Underwriters Agency Tennant Risk Services Transportation Risk Underwriters Truckers Insurance Associates Tryton Insurance Group TuscanoPro

TRANSPORTATION & STORAGE Auto Transporters & Haulers

Buses

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W MW

Cargo Abram Interstate Insurance Services AmWINS Group Avant Bolton & Company Brazos Specialty Risk Carolina Casualty Insurance Company Global Partners Insurance Brokers Global Special Risks IPA Risk Management Magaya Insurance Services N-Surance Outlets Strickland General Agency of Florida TCB Insurance Programs Transportation Risk Underwriters Trinity Transportation Services

TRANSPORTATION & STORAGE

www.abraminterstate.com www.amwins.com www.avant.com www.boltonmga.com www.brazosrisk.com www.carolinacas.com www.globalpartners-ins.com www.globalspecialrisks.com www.ipariskmanagement.com www.magayainsurance.com www.nsoins.com www.sgainfl.com www.tcbinspro.com www.transportationrisk.com www.trinitytransp.com

800-955-4465 704-973-3489 800-712-5407 502-583-8361 877-282-7637 800-874-8053 888-240-7843 713-260-1030 201-797-1076 201-204-0050 800-366-1450 877-669-8886 574-583-8661 800-686-2170 734-284-9229

Food Delivery Vehicles Willis Programs PizzaGuard® www.willisprograms.com

813-490-4924

A program customized for pizza delivery restaurants. Designed for safety-conscious pizza delivery operators, it uniquely incorporates difficult-to-place non-owned as well as owned auto coverage with a business owner’s policy (BOP). Abram Interstate Insurance Services AmWINS Group Brightstone Insurance Services Carolina Casualty Insurance Company Combined Resources Pacific Gateway Insurance Agency Park Insurance Company Sunderland Insurance Services

www.abraminterstate.com www.amwins.com www.brightstoneins.com www.carolinacas.com www.autoinsureit.com www.pgiainsurance.com www.parkinsuranceco.com www.sunderlandins.com

800-955-4465 704-973-3489 877-862-4755 800-874-8053 631-758-6782 800-354-4844 212-905-2604 925-942-4020

Abram Interstate Insurance Services Allied World Assurance Company AmWINS Group Ascinsure Specialty Risk Aspen Specialty Equity Partners Insurance Services Executive Insurance Professionals Global Special Risks Maritime Program Group

www.abraminterstate.com www.awac.com www.amwins.com www.ascinsure.com www.aspenspecialty.com www.epinsurance.com www.execins.com www.globalspecialrisks.com www.maritimepg.com

800-955-4465 646-794-0500 704-973-3489 800-569-9427 646-502-1000 888-825-2740 800-779-4095 713-260-1030 800-366-8086

New Empire Group

www.newempiregroup.com

516-431-8300

Superior Access Insurance Services Texas Specialty Risk Programs

www.superioraccess.com www.txsrp.net

800-272-7550 682-831-1690

www.abraminterstate.com www.atminsurance.com www.amwins.com www.carolinacas.com www.gtu-ins.com www.heathxs.com www.mjkelly.com www.nsoins.com www.truckers-insurance.com www.waschickedanz.com

800-955-4465 800-888-9891 704-973-3489 800-874-8053 615-321-4523 800-524-3284 318-742-8211 800-366-1450 800-652-9515 618-233-0644

Inland Marine

Intermediate Trucking Abram Interstate Insurance Services American Team Managers Insurance Services AmWINS Group Carolina Casualty Insurance Company Greenwich Transportation Underwriters Heath XS M.J. Kelly Company N-Surance Outlets Truckers Insurance Associates W.A. Schickedanz Agency

Limousines Willis Programs LimousineGuard® www.willisprograms.com

860-756-7333

A program designed for the limousine industry. Coverage is customized exclusively to meet the needs of limousine business owners. The program provides a total insurance solution, including broad business income protection, for livery vehicles. Abram Interstate Insurance Services AmWINS Group Bolton & Company Carolina Casualty Insurance Company CMS Global Liberty Insurance Company

www.abraminterstate.com www.amwins.com www.boltonmga.com www.carolinacas.com www.cmsrisk.com www.atlas-fin.com

800-955-4465 704-973-3489 502-583-8361 800-874-8053 516-799-4200 631.390.6401

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PROGRAM DIRECTORY

GMI Insurance KF&B National Indemnity Company Pacific Gateway Insurance Agency RMIS Trans Risk Solutions Western Experts in Transportation

www.gmi-insurance.com www.kfbins.com www.nationalindemnity.com www.pgiainsurance.com www.rmismga.com www.transriskinsurance.com www.westerndwf.com

610-933-4679 877-242-7700 402-916-3000 800-354-4844 714-738-1383 732-675-6777 800-843-2430

www.abraminterstate.com www.amwins.com www.avant.com www.carolinacas.com www.cochraneco.com www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.jmwilson.com www.lsrinc.org www.medjames.com www.nsoins.com www.scui.com www.truckers-insurance.com

800-955-4465 704-973-3489 800-712-5407 800-874-8053 800-441-4535 615-321-4523 800-524-3284 800-944-3128 800-666-5692 800-592-1027 800-255-6503 800-366-1450 800-824-4403 800-652-9515

Abram Interstate Insurance Services Aegis Insurance Services Apollo General Insurance Agency Avant AU BASED Delta General Agency Corporation Mattei Insurance Services Park Insurance Company

www.abraminterstate.com www.aegis-online.com www.apgen.com www.avant.com www.deltains.com www.matteicos.com www.parkinsuranceco.com

800-955-4465 800-582-6270 800-624-5829 800-712-5407 800-666-2678 888-462-8834 212-905-2604

Abram Interstate Insurance Services AmWINS Group CMS Gemini Transportation Underwriters Rail Risk Pro RLA Insurance Intermediatries

www.abraminterstate.com www.amwins.com www.cmsrisk.com www.geminiunderwriters.com www.railriskpro.com www.abinsurance.com

800-955-4465 704-973-3489 516-799-4200 617-310-8201 800-247-2085 617-419-2600

Abram Interstate Insurance Services American Team Managers Insurance Services AmWINS Group Greenwich Transportation Underwriters Heath XS Insurance Marketing Corporation of Oregon N-Surance Outlets W.A. Schickedanz Agency

www.abraminterstate.com www.atminsurance.com www.amwins.com www.gtu-ins.com www.heathxs.com www.imcoinsurance.com www.nsoins.com www.waschickedanz.com

800-955-4465 800-888-9891 704-973-3489 615-321-4523 800-524-3284 800-944-3128 800-366-1450 618-233-0644

Abram Interstate Insurance Services All Risks, Ltd. CIBA Insurance Services GMI Insurance StorageFirst Insurance

www.abraminterstate.com www.allrisks.com www.cibaservices.com www.gmi-insurance.com www.storagefirst.com

800-955-4465 800-366-5810 818-638-8525 610-933-4679 800-853-4663

Align General Insurance Agency American Business Insurance Services AmWINS Group Blackmoor General Insurance Agency Commercial Sector Insurance Brokers Continental Risk Insurance Services Klein & Costa Insurance Services M.J. Kelly Company Pacific Gateway Insurance Agency Park Insurance Company Trans Risk Solutions Transportation Risk Underwriters W. Brown & Associates Insurance Services

www.aligngeneral.com www.abiweb.com www.amwins.com www.blackmooragency.com www.comsectorins.com www.continentalriskins.com www.kleincosta.com www.mjkelly.com www.pgiainsurance.com www.parkinsuranceco.com www.transriskinsurance.com www.transportationrisk.com www.wbais.com

619-333-2500 800-980-1950 704-973-3489 267-495-2300 205-776-1600 866-699-2747 714-918-0914 318-742-8211 800-354-4844 212-905-2604 732-675-6777 800-977-9884 949-851-2060

W MW

Long-Haul Trucking Abram Interstate Insurance Services AmWINS Group Avant AU BASED Carolina Casualty Insurance Company Cochrane & Company Greenwich Transportation Underwriters Heath XS Insurance Marketing Corporation of Oregon J.M. Wilson Litchfield Special Risks Med James N-Surance Outlets Southern Cross Underwriters Truckers Insurance Associates

TRANSPORTATION & STORAGE

Moving Companies

Railroad

Short-Haul Trucking

Storage

Taxis

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PROGRAM PROGRAMDIRECTORY DIRECTORY

W MW

Towing Abram Interstate Insurance Services Commercial Sector Insurance Brokers Cox Specialty Markets Gilbert Trujillo Insurance Services Hull & Company JMR Excess & Surplus Insurance Services M.J. Kelly Company National Interstate Insurance Company Pacific Gateway Insurance Agency Park Insurance Company The Insurance Professionals Transportation Risk Underwriters Trinity Transportation Services Truckers Insurance Associates

TRANSPORTATION & STORAGE

www.abraminterstate.com www.comsectorins.com www.coxspecialty.com www.1bondsinsurance.com www.hullco.com www.jmrexcess.com www.mjkelly.com www.natl.com www.pgiainsurance.com www.parkinsuranceco.com www.theinspros.com www.transportationrisk.com www.trinitytransp.com www.truckers-insurance.com

800-955-4465 205-776-1600 800-648-0357 505-314-9203 954-527-4855 866-954-9990 318-742-8211 800-929-1500 800-354-4844 212-905-2604 800-266-4446 800-977-9884 734-284-9229 800-652-9515

Trucking AmWINS Group www.amwins.com

704-973-3489

Am WINS Group is a leader in the specialty insurance distribution industry, with expertise across a diversified mix of property, casualty, group benefits and specialty insurance products. AmWINS also offers value-added services to support its products, including product development, underwriting, premium/claims administration and actuarial services. The firm places more than $11.1 billion in premium placements annually. AmWINSâ&#x20AC;&#x2122; underwriting division offers retail agents a host of P&C programs for specific product lines, industry segments and business types. For more information, please visit www.amwins.com. American Team Managers Insurance Services AmWINS Group Applied Underwriters Blackmoor General Insurance Agency Commercial Sector Insurance Brokers Crouse and Associates Gilbert Trujillo Insurance Services Greenwich Transportation Underwriters Hull & Company Insurance Program Managers Group IPA Risk Management M.J. Kelly Company MacAfee & Edwards MarketScout Metcom Excess Midwestern Insurance Alliance National Interstate Insurance Company Omega Insurance Solutions Pacific Gateway Insurance Agency Park Insurance Company ProSight Specialty Insurance SafePro Insurance Services South Texas General Insurance Agency Swett & Crawford Transportation Risk Underwriters Truckers Insurance Associates Tuscano Agency U.S. Specialty Insurance W.A. Schickedanz Agency

www.atminsurance.com www.amwins.com www.auw.com www.blackmooragency.com www.comsectorins.com www.crouseandassociates.com www.1bondsinsurance.com www.gtu-ins.com www.hullco.com www.ipmg.us www.ipariskmanagement.com www.mjkelly.com www.macafeeandedwards.com www.marketscout.com www.metcomexcess.com www.mwiainsurance.com www.natl.com www.omega4agents.com www.pgiainsurance.com www.parkinsuranceco.com www.prosightspecialty.com www.safeproins.com www.stgia.com www.swett.com www.transportationrisk.com www.truckers-insurance.com www.tuscano.com www.ussic.com www.waschickedanz.com

800-888-9891 704-973-3489 877-234-4450 267-495-2300 205-776-1600 415-982-3870 505- 314-9203 615-321-4523 954-527-4855 888-377-5845 201-797-1076 318-742-8211 213-629-9777 972-934-4200 201-641-5100 502-429-9990 800-929-1500 866-997-0711 800-354-4844 212-905-2604 973-532-1900 888-411-7679 800-873-6500 404-240-5200 800-686-2170 800-652-9515 866-442-8063 469-633-7400 618-233-0644

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Insurance Business America is seeking nominations for women leading the insurance industry

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