Insurance Journal

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

THE BIGGEST LOSER? Obesity and Work Comp Claims

3:26 PM

Page 1

OKLAHOMA TORT REFORM Compromise Bill Signed by Gov.

RE-IGNITE PRODUCERS With Compensation Plan

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:48 PM

Page 2

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 3

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 4

Even through the roughest weather, PaciďŹ !% " % has remained steady in its journey.

PaciďŹ c Specialty Insurance Company has charted the right course for well over 20 years.

Serving 3.3 million policyholders, with more than $1.5 billion in written premium.

Today, PaciďŹ c Specialty continues to serve top independent agents and brokers, from sea to shining sea.

Products underwritten by PaciďŹ c Specialty Insurance Company and PaciďŹ c Specialty Property and Casualty Company. A.M. Best “Aâ€? Rated.

Admitted in all states. Š 2009 McGraw Insurance Services, P.O. Box 40, Anaheim, CA 92815. CA License No. 0531139. National Producer No. 963519.

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 5

PaciямБcSpecialty.com

' ' '

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 6

Inside This Issue

June 1, 2009 • Vol. 87, No. 11 • South Central Region

SOUTH CENTRAL 10 | Okla. Gov. Signs Tort Reform Legislation Long Sought Bill Was a Compromise

DEPARTMENTS 11 | 11 | 16 | N16 |

It Figures Declarations People MyNewMarkets

10 | Americas to Add Policies in Louisiana Insurer Says It Will Write Throughout State 10 | 2009 Hurricane Season Expected to Be ‘Average’ Several Cat 3 Storms Predicted

N21 18th Annual Program Directory, Vol. I

12 | The Biggest Loser?

Obesity Weighs Heavily on Workers’ Comp Claims 18 | State Auto A Regional Carrier Weathers the Storms 26 | Delta Turns 50 Houston-based Wholesaler Celebrating Mid-Century Mark

NATIONAL COVERAGE N4 | Washington Report Republicans Introduce Health Care Reform Plan N4 | Washington Report National Insurance Producer Licensing Bill Reintroduced N4 | Washington Report Surplus Lines Regulation Reform Legislation Reintroduced

The Biggest Loser?

Obesity Affects Workers’ Comp Claims

IDEA EXCHANGE 22 | How to Re-ignite Producers And Other Employees Who Have Lost Their Spark 24 | Common Insurance Mistakes Can Sink Boaters’ Finances 25 | Is Your Database Holding You Back?

Create a Culture of E-mail Collection

N6 | International Report Max Cap, Validus, IPC Skirmishes; AIG IPO; Pirates Continue Attacks

N1 | Economy Forcing Changes in Carrier Investment Philosophy Ratings Agencies May Need to Rethink Their Methodologies as Well

N8 | AIG CEO, Chairman Liddy Calls It Quits But Some Say Finding a Replacement Won’t Be So Easy

N2 | Re-Engineering Your Insurance Agency Understanding the Importance of Search Engine Optimization

N9 | Spotlight: Top Performing P/C Insurers Top 25 Premium Gainers in 2008 vs. 2007

N18 | Minding Your Business What is your USP?

N10 | Special Report: Fireman’s Fund Focusing on Agents

N92 | Closing Quote: Quality and Protectionism Why Market Blocking Is Not Best for the Consumer or Industry

N21 | 18th Annual Program Directory, Vol. I

12

6 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

22 Re-energize Producers And Other Employees

24 Common Insurance Mistakes Can Sink Boaters’ Finances

www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 7

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 8

Idea Exchange Opening Note

Another Go-Round for Surplus Lines Regulation Reform

F

ederal lawmakers once again are preparing to tackle the issue of how states can more effectively regulate the surplus lines insurance market. It’s been tried before, but legislation was recently reintroduced in the U.S. House of Representatives with the goal of standardizing state insurance regulation and introducing efficiencies into the surplus lines industry.

Reps. Dennis Moore, D-Kan., and Scott Garrett, R-N .J., members of the House Committee on Financial Services, have reintroduced the Non-Admitted and Reinsurance Reform Act of 2009 (NRRA), or HR 2571. The measure has 20 other cosponsors.

The Senate may soon have a similar proposal to contemplate as Senators E van Bayh, DInd., and Mel Martinez, R-Fla., members of the Senate Committee on Banking , Housing and Urban Affairs, have said they plan on introducing a version on their end.

The bill would establish national standards for how states regulate the surplus lines market and reinsurance, and would create a uniform system of surplus lines premium tax allocation and remittance, one-state compliance on multi-state surpl us lines risks, and direct access to the surplus lines market for sophisticated commercial purchasers.

Various insurance industry trade groups, including the National Association of Professional Surplus Lines Offices Ltd. (NAPSLO), the Independent Insurance Agents & Brokers of America (Big “I”) and the Property Casualty Insurers Association of America, appear to be supporting The bill would the legislation. It passed the House in 2008 and in previous establish national years. The Senate took no action on it in 2007, however.

Independent insurance agents and the property/casualty standards for insurance carriers with which they do business have long supported such legislation. California, Florida, New York, how states Texas and Illinois are the states that g enerate the most preregulate the miums for surplus lines insurers, according to the Surplus Lines Stamping Office of Texas (SLSOT). Agents in those surplus lines states may be particularly interested in what happens with market and this bill.

SLSOT reported that surplus lines premiums filed with reinsurance.

15 state stamping offices across the nation were down by 8.2 percent nationally in 2008, compared with 2007. SLSOT attributed the drop to the lingering soft market but it pointed out that three stamping offices reported premium increases: Oregon, Pennsylvania and Utah.

Even with a decline, surplus lines still account for plenty of premium dollars: in 2007 the top 10 states for surplus lines represented more than $26 billion, according to SLSOT. Nationally surplus lines generated more than $38 billion in gross written premiums in 2007.

Publisher Mark Wells Chief Executive Officer Mitch Dunford

EDITORIAL

Editor-in-Chief Andrea Ortega-Wells | awells@insurancejournal V.P. Content/ and Interim Midwest/Southeast Editor Andrew Simpson | asimpson@insurancejournal.com East Editor Kenneth J. St. Onge | kstonge@insurancejournal.com South Central Editor Stephanie K. Jones | sjones@insurancejournal.com West Editor Patricia-Anne Tom | ptom@insurancejournal.com MyNewMarkets Associate Editor Chris Boggs | cboggs@insurancejournal.com International Editor Charles E. Boyle | cboyle@insurancejournal.com Columnists Catherine Oak, Joseph Petrelli, Bill Schoeffler Contributing Writers Julian Aston, Chantal Cyr, Scott Simmonds, Laurie Zangwill-Infantino

SALES V.P., Sales & Marketing Julie Tinney (800) 897-9965 x148 jtinney@insurancejournal.com West Dena Kaplan (800) 897-9965 x115 dkaplan@insurancejournal.com South Central Eric Jeter (281) 655-0234 ejeter@insurancejournal.com

Midwest Lauren Knapp (800) 897-9965 x161 lknapp@insurancejournal.com Southeast Howard Simkin (800) 897-9965 x162 hsimkin@insurancejournal.com East Dave Molchan (800) 897-9965 x145 dmolchan@insurancejournal.com

MARKETING

Marketing Administrator Gayle Wells | gwells@insurancejournal.com Advertising Coordinator Erin Burns | eburns@insurancejournal.com (619) 584-1100 x120 New Markets Sales Manager Kristine Honey | khoney@insurancejournal.com Classified and Ancillary Sales Manager Nicola Coghill | ncoghill@insurancejournal.com (619) 584-1100 x125 New Media Producer Chad Reese | creese@insurancejournal.com

DESIGN/WEB

Vice President/Design Guy Boccia | gboccia@insurancejournal.com Vice President/Technology Joshua Carlson | jcarlson@insurancejournal.com Graphic Designer Jamie Bethell | jbethell@insurancejournal.com Web Developer Jeff Cardrant | jcardrant@insurancejournal.com Web Developer Chris Thompson | cthompson@insurancejournal.com

A D M I N I ST R AT I O N

Accounting Manager Megan Sinclair | msinclair@insurancejournal.com Admin./ Marketing Asst.

Kristina Delavega | kdelavega@insurancejournal.com Cover designed by: Jamie Bethell

Stephanie K. Jones South Central Editor sjones@insurancejournal.com

Insurance Journal, The National Property/Casualty Magazine (ISSN: 00204714) is published semi-monthly by Wells Publishing, Inc., 3570 Camino del Rio N orth, Suite 200, San Diego, CA 92108-1747. Periodicals Postage Paid at San Diego, CA and at additional mailing offices. SUBSCRIPTION RATES: $7.95 per copy, $12.95 per special issue cop y, $195 per y ear in the U .S., $295 per year all other co untries. DISCLAIMER: While the information in this p ublication is deriv ed from so urces believed reliable and is subject to reasonable care in preparation and editing, it is not intended to be legal, accounting, tax, technical or other professional advice. Readers are advised to consult competent professionals for application to their particular situation. Cop yright 2009 W ells Publishing, Inc. All Rights R eserved. Content ma y not be photocopied, reproduced or redistrib uted without written permission. Insurance J ournal is a p ublication of Wells Publishing, Inc. POSTMASTER: Send change of address form to Insurance Journal, Circulation Department, PO Box 9049, Maple Shade, NJ 08052

8 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

FOR QUESTIONS REGARDING SUBSCRIPTIONS: please call 856-380-417 6 or email subscribe@insurancejournal.com. You may subscribe or change your address online at insurancejournal.com/subscribe.

ARTICLE REPRINTS: For reprints of articles in this issue, contact Rhonda Brown at 1-866-879-9144 ext. 194 or rbrown@fostereprints.com. Visit insurancejournal.com/reprints for more information.

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:49 PM

Page 9

This is my

This is my

Sunday drive.

promise.

m m

This is my

insurance company.

This is my

client meeting.

These days, it’s hard to find time to nurture even the most important relationships. Not at Universal North America®.

We do everything we can to guarantee you and your customers get the attention you deserve, and our agents notice a difference from day one. We offer:

thals py, R: to her ictoof

(866) 338-4262, ext. 6540 UniversalNorthAmerica.com

s #OMPETITIVE COMPENSATION s #O OP ADVERTISING OPPORTUNITIES s !GENT REWARDS PROGRAMS AND AN ANNUAL INCENTIVE TRIP s !GENT FRIENDLY CUSTOMER SERVICE s /NLINE RATING POLICY AND CLAIMS MANAGEMENT s &LEXIBLE UNDERWRITING GUIDELINES

49, ur-

Universal North America Insurance Company is rated A - (Excellent) by A.M. Best & Company.

44 n.

Insurance products are issued and underwritten by one of Universal North America’s insurance companies: Universal North America Insurance Company or Universal Insurance Company of North America. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states.

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 10

South Central Coverage News & Markets

Oklahoma Gov. Signs Compromise Tort Reform Legislation

O

klahoma Gov. Brad Henry has signed into law longsought tort reform legislation aimed at curbing frivolous lawsuits and reducing costs associated with the justice system.

Henry said House Bill 1603 by Rep. Dan Sullivan and Senate President Pro Tempore Glenn Coffee will help improve the legal process without impeding a citizen’s access to the courts.

Among other things, the bill caps non-economic damages, eliminates joint and several liability, caps appeal bonds at $25 million, and contains asbestos/silicosis reforms, while providing consumer safeguards for Oklahomans with legitimate claims.

Noneconomic damages (“pain and suffering” awards) would be

capped at $400,000 outside of exceptional circumstances. In rare cases involving medical malpractice where the cap is lifted, any amount above $400,000 could be paid with a reinsurance policy purchased by the state. The bill creates a task force to study the details of the policy and payment options prior to implementation.

HB 1603 goes into effect Nov. 1, 2009.

The Democratic governor and Republican lawmakers in Oklahoma have often been at odds over the issue of how to implement tort reform in the state.

For more than a decade House and Senate Republicans have tried to reform Oklahoma’s justice system, according to infor-

mation released by the House.

They say frivolous lawsuits increase health care costs, drive talented doctors out of the state because of high malpractice insurance rates and indicate to companies seeking to relocate that Oklahoma is not businessfriendly.

Gov. Henry said the measure “enacts reasonable and responsible reforms that improve the civil justice system without impairing a citizen’s constitutional right to have his or her legitimate grievances appropriately addressed in court.”

Senate President Pro Tem Glenn Coffee, who previously has criticized the governor for his views on lawsuit reform,

thanked Henry for signing the legislation, calling it “a huge day for Oklahoma.”

The American Insurance Association, an insurer trade group, praised the new law, noting it is a compromise between lawmakers, business advocates, trial lawyers and doctors. IJ

Americas Insurance to Write New Homeowners Policies in Louisiana

Average 2009 Hurricane Season with Several Category 3 Storms Predicted

A

J

mericas Insurance Co., which previously took on nearly 1,000 homeowner policies that had been covered by Louisiana Citizens Property Insurance Corp., has said it expects to underwrite new policies in most Louisiana parishes.

Citizens, the state’s insurer-oflast resort, has been working to lower the number of policies it holds, and Americas is among the private companies that have helped Citizens reduce its load.

In June 2008, Insurance Commissioner Jim Donelon announced that Americas Underwriting Agency was one of five initial insurance companies to begin taking policies out of Citizens. The other four participated in the Insure Louisiana Incentive Program but Americas came in on its own.

Donelon said having more companies compete for business in Louisiana is a good thing. He said for many residents, homeowners’ rates remain expensive, but he said there’s been a “noticeable flattening of rates” since the devastating 2005 hurricanes.

According to information on its Web site, www.americas-insurance.com, Americas’ two operating companies, Americas Insurance Company and the managing general agency, Americas Underwriting Agency of Louisiana, are domiciled in Louisiana. Americas is jointly owned by Louisiana and UK shareholders. IJ Copyright 2009 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

10 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

une 1 is the official start of hurricane season and the National Oceanic and Atmospheric Administration has said the 2009 Atlantic hurricane season will be fairly average. Reuters reported that NOAA is forecasting nine to 14 named storms, with four to seven developing into hurricanes. One to three could be major — Category 3 or higher with winds above 110 miles per hour.

Last year was one of the most active seasons on record, with 16 tropical storms and eight hurricanes. The season typically peaks between late August and mid-

October. An average Atlantic hurricane season brings 11 tropical storms with six hurricanes, including two to three major hurricanes. NOAA makes preseason forecasts in a range rather than a specific number.

Seasonal probabilities include: 50 percent chance of near-normal, 25 percent chance of abovenormal and a 25 percent chance of a below-normal season. IJ

www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 11

South Central Coverage Snapshot

It Figures

Declarations

10

An Increasing Problem

Arkansas Gov. Mike Beebe has declared disasters in 10 more co unties, bringing the total of declared disaster areas to 42 d ue to heavy rain and floods this spring. Beebe added Ashley, Cleburne, Greene, Howard, Jackson, Marion, Nevada, Ouachita, Pike and Polk counties.

Individual assistance for eligible flood victims is available in Arkansas, Ashley, Bradley, Cleburne, Grant, Union, Clark, Dallas, Jefferson, Garland, Lonoke, Miller, Monroe, Phillips, Poinsett and Saline counties. Beebe earlier asked the federal agriculture department to provide emergency loans to farmers in 24 Arkansas counties.

2,300 The number of Houston-area homes flooded during heavy rains in late April, among the highest totals since 73,000 homes w ere damaged by Tropical Storm Allison in 2001. More than 11 inches of rain fell in some areas of Houston on April 27 and 28. A spokeswoman for the Harris County flood control district said more than half of the flooded houses weren’t in a mapped flood plain.

2 The number of wrongful death lawsuits filed so far against a Locust Grove, Okla., restaurant where an E. coli outbreak killed one man and sickened hundreds last August. The latest was filed by Cynthia Ingle, the widow of victim Chad Ingle, in Mayes County District Court against the owners of the Country Cottage restaurant. Chad Ingle died a week after eating at the eatery. His was the only fatality blamed on the outbreak, which became the largest in U.S. history for the rare E. coli strain O111. In March, a couple filed a complaint claiming the o utbreak caused one of them to become serio usly ill.

$72.6 Million A federal court jury returned a $72.6 million damage award against Dallas-based law firm Akin Gump Strauss Hauer & Feld over a botched patent application for a safety device designed to help save downed firefighters. Louis Herbert Stumberg and his late partner J ames Fulton invented the device. The plaintiffs hired an attorney with Akin Gump in 1989 to file a series of patents. The suit alleg ed Akin Gump failed to disclose to the U.S. Patent and Trademark Office information material to the patent, and did so with an intent to deceive the office. AP www.insurancejournal.com

“This is increasingly becoming a problem on our lakes and waterways, and it was important that the Legislature step forward with a strong response.”

— Oklahoma Sen. Bill Brown, author of Senate Bill 902, which lowers the legal blood alcohol concentration limit for the offense of boating under the influence from 0.10 percent to 0.08 percent. The measure passed on the final day of the 2009 legislative session.

“Operating watercraft under the influence of alcohol is just as dang erous as operating a car or truck, and there’s no reason the legal blood concentration limit should be any hig her,” Brown said.

A Successful Model “It is imperative that we preserve and build upon the successful model of our national state-based regulatory system. … The American people want more financial stability, not less. Reform proposals must ensure consumers have accountable and local regulators who can provide continued stability despite these challenging economic times. As a state regulator, my department works hard every day to make sure that insurers honor their promises to Lo uisiana policyholders.”

— Louisiana Insurance Commissioner Jim Donelon, who recently visited members of Congress to highlight the positives of the statebased insurance regulatory system. Donelon and other state insurance commissioners met with lawmakers in Washington considering regulatory reform to convey the message that the state-based insurance regulatory system has been a constant in an otherwise err atic economic climate.

Returning to Historical Strengths “The best way to deliver long-term value to our shareholders is to return to our historical strengths as a U.S.-centric insurance company.”

— Ramani Ayer, CEO of Hartford Financial Services Group Inc. In a memo to employees, Ayer ended speculation that the company plans to sell its U.S. property/casualty and life businesses. After being approved to tap into $3.4 billion of feder al bailout funds, the company announced it will hang on to those businesses. The Hartfor d has been struggling with the falling value of its investments, losing $1.21 billion in the first quarter, its third straight quarterly loss, and dropping $2.75 billion in 2008. In the memo , Ayer said the company “will move forward with both property and casualty and life businesses.”

June 1, 2009 INSURANCE JOURNAL-SOUTH CENTRAL REGION | 11

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 12

South Central Coverage News & Markets

The Biggest Loser?

Obesity Weighs Heavily on Workers’ Compensation Claims

By Patricia-Anne Tom

I

t’s time face facts, we’re a nation of fatties.

About a quarter of our citizens can be characterized as obese, according to the Centers for Disease Control and Prevention (CDC). And while that presents serious health implications for those who are overweight, it also presents serious implications for the workers’ compensation insurance industry.

According to the National Institutes of Health (NIH), the term “overweight refers to body weight that is at least 10 percent o ver the recommended weight for a certain individual.

Recommended weight standards are generated based on a sampling of the U.S. population or by body mass index (BMI), a calculation that assesses weight relative to height.”

“Overweight” commonly refers to an individual with a BMI of more than 25 . “Obesity” refers to any individual with a BMI of more than 30. BMIs of 30-34.9 are considered Class I moderately obese; 35-39.9 are considered Class II severely obese; and BMIs of 40 and above are considered Class III morbidly obese.

Obesity results in an estimated 400,000 deaths a year in the United States and costs the national economy nearly $122.9 billion annually, according to ObesityinAmerica.org.

Childhood obesity affects more than 15 percent of the population under 18 years old that is classified as overweight. And the numbers that tip the scales are growing.

Obesity impacts lifestyle and can also lead to lower self-esteem, cause depression and discomfort in social situations, and significantly diminish quality of life. Obesity also increases a person’s risk for developing serious health conditions such as diabetes, heart disease, hypertension, metabolic syndrome, and polycystic ovary syndrome. Obesity raises blood cholesterol and triglycerides, and heightens the possibility of stroke.

Other diseases associated with high BMI levels include various forms of cancer, endstage renal disease, low back pain, sleep apnea and incontinence. In 2004, the CDC ranked obesity as the No. 1 health risk facing America.

A Workers’ Comp Concern The National Council on Compensation Insurance (NCCI) has stated that “obesity is a matter of increasing concern, with the percentage of the population reported as obese increasing from 12 percent in 1990 to more than 26 percent in 2007. By the year 2020, 40 percent of men and 43 percent of women are predicted to be obese, with more than 70 percent of both men and women predicted to be overweight.”

NCCI is concerned about this trend’s effect on workers’ compensation, as obese workers are at risk for many diseases and health conditions — and have poorer job performance. “From a workers’ compensation perspective, claims involving obesity are seen to have markedly higher indemnity and medical costs,” the group said.

There have been a number of recent studies that document the effects of obesity on workers’ compensation, NCCI noted. As expected, obesity can impact mortality rates.

The studies also showed that obesity reduces

12 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

productivity and increases the percentage of reported impaired activity when associated with co-morbidities of type 2 diabetes, high cholesterol and hypertension.

“The presence of all three comorbidities among overweight or obese persons was associated with more days of hospitalization, more visits to the emergency room and medical providers, and a generally poorer quality of life,” NCCI stated.

A Duke University Medical Center study published in April 2007 observed “dramatic” workers’ compensation-related differences between people with normal BMIs and those with BMIs in the obese range, NCCI said.

For example: Claims: Morbidly obese workers filed 45 percent more claims than workers with a normal BMI. The differential was 21 percent for workers in the Class I obese range (BMI of 3034.9) and just 9 percent for those classified as overweight (BMI of 25-29.9).

Lost Workdays: Morbidly obese workers had eight times the number of lost w orkdays versus workers with BMIs in the normal range.

Those classified as overweight or Class I obese had roughly 3.5 times as many lost workdays.

Medical Claim Costs: Morbidly obese workers had 5.4 times the medical claims costs versus workers in the normal BMI range. The differential was a bit less than two times for Class I obese workers and 1.5 times for overweight workers.

Indemnity Claim Costs: Morbidly obese workers had nearly eight times more indemnity claims costs than normal sized workers.

The differential was nearly three times for those with BMIs in the Class I o bese range, and nearly twice that for those in the o verweight range.

The Duke study also looked at BMI impacts on the body, nature of injury and occupational group. The strongest BMI relationships were seen for sprain or strain, contusion or bruise, and pain and inflammation categories. Claims caused by lifting, falls and slips, and exertion had the largest BMI effects, NCCI said. Persons in physically demanding jobs, such as skilled craft workers, tended to have higher BMI-relatcontinued on page 14 www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 13 Job#6223 Tool ad Insurance Journal AmWINS Group API#75580 06/09

We have the tool for the job.

With six specialized companies and over 30 wholesale programs,AmWINS Underwriting has the answers you need close at hand.For instance,AmWINS Program Underwriters,Inc. (APU)findsoptimumsolutionsforawiderange of businesses including the following: ) *

) + ,

) - ' . # / ) # +

0

) +

) / ,

) 1

2 3 *

)

)

.

) + '

Whatever the job may be.

* / ' 4 &

5 largest wholesale firms, APU and all of our underwriting companies have the resources and the expertise to find a better way.

1 & &

amwins.com/apu or call 877.552.3772.

There’s a better way.

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 14

South Central Coverage News & Markets Biggest Loser, continued from page 12

ed claims than those in lower-risk occupations.

In another study, Johns Hopkins Bloomberg School of Public Health researchers found that the odds of injury for workers who were morbidly obese were significantly higher when compared with those with a normal BMI. The odds ratio was 2.21 for those in the highest

obesity category, 1.54 for those in the obesity I and II categories, and 1.26 for those in the o verweight category.

“When data was examined by body part injured, the analysis showed that a substantially higher portion of injuries occurred to the hand, wrist and finger among employees in

AN RSI POLICY DOWNLOADED IN MINUTES!!

RSI’s Artisan Contractors Online

Now with Electronic Policy Issuance!

A major step has been successfully taken to add speed, efficiency and accuracy to the list of all the other qualities you’ve come to expect from the technological staff of RSI International.

This program will be made available to all RSI franchised Agents. If you have questions, simply log onto our website listed below.

Additional Services will be coming soon. . . The Online Program will be making all categories of insurance policies easier and more efficient in the future.

Why is Our System Different?

Its simple ease of doing business. RSI’s Artisan ONLINE allows all our Agents to do all the following: • Quote Complete Application & Bind • Process Endorsements & Certificates • Client Leaves the Office with Policy in hand Available Online: • Artisan Contractors with Electronic Policy Issuance

• Builder’s Risk • Vacant • Homeowner’s

• Contractors Equipment • Special Events

the highest obesity group,” NCCI said.

The NCCI is conducting its own study on the effects of obesity on the cost of medical claims. The study is expected to be available in early 2010, but preliminary results show: • Obesity claims are roughly three times more expensive at the 12-month maturity, and five times more expensive at the 60-month maturity.

• Added treatments related to obesity can balloon cost differences by as much as 30 times or more in a claim.

• The percentage effect of obesity on claim costs is lower in states where mandatory utilization review and mandatory bill review stipulations are in place.

“Obesity and its related effects have markedly increased the costs to the workers’ compensation system,” NCCI said. “Unfortunately, the continued increase in obesity rates — in the face of substantial mitigation efforts by both government and business — suggests that the issues relating to obesity will continue to be a major issue well into the future.” IJ This article is based on the NCCI report “Gauging Current Conditions: The Economic Outlook and Its Impact on Workers’ Compensation.” www.ncci.com.

Obesity in South Central States

T

he South Central states have some of the highest obesity rates in the nation, according to the Centers for Disease Control. Colorado is the healthiest state in terms of weight, with an 18.7 percent obesity rate in 2007, while Mississippi topped the chart with a 32 percent obesity rate. The South Central states of Arkansas (28.7 percent), Louisiana (28.7 percent), Oklahoma (28.1) and Texas (28.1 percent) trend toward the higher end of the scale.

www.rsimga.com 14 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 15

Why is TAPCO the

logical choice?

Because you’d rather wait minutes —not days—to quote and bind coverage.

Because you demand accuracy, quality, responsiveness, consistency.

Because “the old way of doing things” keeps getting older.

Commercial and Personal Lines of Excess & Surplus Insurance— quoted, bound and delivered to your e-mail inbox during a five-minute phone call. Accurately. Quickly. Dependably.

Call. Quote. Bind.

The Logical Choice.

800-334-5579

www.gotapco.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 16

South Central Coverage People Tom Elder has joined All Risks’ National Specialty Programs unit as the lead financial institutions underwriter for the new nationwide REO/ Foreclosure and Lender Placed Property Insurance Program. At All Risks, he will target commercial banks, credit unions, savings and loans, mortgage banks, and financial institutions that service and/or invest in mortgage loans.

Previously, Elder worked for MetLife Bank as a regional re verse mortgage consultant. Prior to that, he o wned a mortgage company for six years.

Tom Elder

Neal S. Wolin

Neal S. Wolin has been confirmed by the U.S. Senate to serve as the deputy secretary of the U.S. Department of the Treasury. In February, Wolin was named deputy assistant to the President and dep uty counsel to the president for Economic Policy.

From 2001 to 2008, Wolin served at The Hartford Financial Services Group Inc., most recently as president and chief operating officer for Property and Casualty and previously as general counsel. Earlier in his career, he also worked in private law practice at Wilmer, Cutler & Pickering in Washington, D.C. Houston-based HCC Insurance Holdings Inc. has promoted Michael J. Donovan to president of HCC Aviation, a division of the company. In addition to becoming president of HCC Aviation, Donovan has been promoted to executive vice president of Houston Casualty Co., HCC’s largest subsidiary. Donovan is a 26-year veteran of HCC, having spent his entire career with the company in aviation underwriting.

Simon Noonan, senior vice president and president of Bristol West Holdings Inc., a subsidiary of Farmers Group Inc., has been promoted to chief operating officer of Farmers Business Insurance. Noonan joined Bristol West Holdings in 2002 as senior vice president and w as promoted to executive vice president in 2005. He later became COO, as well as president and CEO. In addition, he served as a senior vice president of Farmers Group.

Prior to joining Bristol West, Noonan provided actuarial and merger and acquisition services, with a focus mainly on non-life insurance companies for consulting firm Metis Financial.

American Specialty Insurance & Risk Services Inc., a wholly owned subsidiary of Brown & Brown Inc., has named Tony L. Wittwer president of the Roanoke, Ind.-based sports, motorsports and recreation specialty insurance company. Wittwer joined American Specialty in September 2006 and previously served as executive vice president and chief marketing officer. He brings 20 years of specialty insurance and senior executive expertise to American Specialty, including serving as president and CEO of K&K Insurance Gro up Inc. American Specialty’s senior vice president of Client Services, Drew Smith, will be assuming Wittwer’s previous role as chief marketing officer.

Smith joined American Specialty in May 1997 as an account executive and has held a number of positions of increasing a uthority over the last 12 years.

Liberty International Underwriters, a division of Liberty Mutual Group, named Tim Kania as senior vice president of construction for N orth and South America operations. An insurance executive for more than 20 years, Kania is also a licensed professional engineer . In his new position, Kania will focus on the energy and heavy industries segments as well as construction all-risk. IJ

16 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 17

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 18

South Central Coverage News & Markets

State Auto: How a Regional Carrier Weathers the Storms CEO Restrepo Talks Cat Losses, Premium Growth and Independent Agents

By Andrew G. Simpson

R

egional property/casualty insurance companies don’t make headlines like the large institutions. They simply go about their business serving customers and independent agents — and paying claims. How are regional insurance companies faring in today’s climate? What challenges do they face? How can they grow?

And why are they so popular with

‘[T]he weather has changed, the pain is too great.

We need to share more of that risk with our policyholders.’ independent agents?

Insurance Journal’s Andrew G. Simpson put these questions to a popular regional carrier leader.

Robert P. Restrepo is chairman, CEO and president of Ohio-based State Auto Insurance Companies.

State Auto writes in 33 states from Utah to Vermont, through about 3,400 independent agencies.

Restrepo worked at national and regional insurers including Aetna, Travelers, Hanover and Main Street America Group before joining State Auto in 2006.

Insurance Journal: A number of insurance companies have reported catastrophe losses.

What is State Auto’s experi-

ence with catastrophes, and what can be done to mitigate these losses?

Bob Restrepo: My experience has been terrible. In the past year and a half, we’ve had an unusually large frequency of fairly significant wind and hail storms throughout the Midwest and somewhat in the Southeast.

When I started the business, it seemed that all the wind and hail happened in the second quarter, generally along I-30. These events now happen earlier in the year ... and much further north, up toward I-70.

We haven’t built our business model around that, and we’re unusually affected by that because we are so large in the Midwest.

That’s primarily where these storms have their biggest impact, with Midwestern-oriented companies such as State Auto.

IJ: That’s the heart of your business.

Restrepo: It’s the heart and what we’ve come to realize is that we can’t control the weather, we can only control our response to it.

We put in place this year an aggregate reinsurance treaty [to cover] high frequency, low severity weather events such as wind and hail if they reach an aggregate amount of, in our case, $80 million. Last year, we had more than $100 million in cat losses.

We’re in the process of rolling on more wind and hail deductibles. We’ve, as has been true throughout the Midwest for competitive reasons, not been very aggressive with wind and hail. Again, the weather has changed, the pain is too great. We need to share more of that risk with our policyholders.

18 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

We will be rolling out higher peril-specific wind and hail deductibles starting at $1,000.

Eventually, when we roll out a new homeowner product, we’re going to 1 percent to 2 percent deductibles in 11 of the 33 states we operate in. We’re getting more prices, and we are also developing a new product that will allow us to price by peril.

Traditionally, we priced almost entirely based on the fire exposure. Our problem has not been fire. It’s been wind and hail. The new rating methodology will allow us to address, by home and by homeowner, the specific perils that relate to that individual’s risk profile.

We’ll have the first generation of this product installed in Missouri at the end of this year, and we plan to roll it out to all affected states next year.

IJ: Larger financial institutions and insurance companies have been getting into trouble. Some are considered too large to fail. As a competitor, do the prospect of bailouts concern you?

Restrepo: The prospect of bailouts concerns me both as a taxpayer and potentially as a competitor.

We’ve not had much of an impact on property and casualty-specific companies. It’s been more of a life insurance issue than a property/casualty insurance issue.

The P/C industry doesn’t need bailout money. We’ve tended to take risk on the liability side as

opposed to the asset side. What has been demonstrated through all of this crisis is just how wellmanaged the industry has been from a risk standpoint.

Companies that do have life insurance companies, particularly life insurance companies that have been focused on retirement and investments, that’s where the risk has been. There’s a much higher degree of risk on the asset side that is not very complementary to the kind of risk we take on the liability side.

We have seen some opportunities in the marketplace, but frankly they’ve been minimal. The biggest opportunities have been for specialty companies and for companies that focus on much larger commercial accounts than we tend to focus on.

IJ: Do tight credit markets and the overall investment environment affect State Auto?

Restrepo: They clearly have an effect. We have a certain percentage of our investment portfolio in equities. Those equities have been written down, they’ve lost value.

Most property/casualty companies, though, are much more heavily weighted on fixed income.

Because we need liquidity and continued on page 20 www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 19

A Reason to Celebrate We give our agents a reason to celebrate every day. Our philosophy of providing comprehensive coverages at competitive prices means we’re not your last look, we’re your best look.

Call TAGA today to spend less time looking for a deal and more time celebrating a closed one.

$IPJDFT t &YQFSUJTF t 2VJDL 5VSOBSPVOE t $PNQFUJUJWF 1SJDJOH

5IBU T UIF 5"(" %JòFSFODF XXX UBHB DPN -B +BJUB %S 4UF $FEBS 1BSL 59

$PNNFSDJBM -JBCJMJUZ 1SPQFSUZ t 'BSN 3BODI 0QFSBUJPOT 1PMMVUJPO &OWJSPONFOUBM -JBCJMJUZ 8PSLFST $PNQFOTBUJPO t 5SBOTQPSUBUJPO $PNNFSDJBM 1FSTPOBM 6NCSFMMB t #SPLFSBHF $PNNFSDJBM "HSJDVMUVSF t 1SPGFTTJPOBM -JBCJMJUZ

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 20

South Central Coverage News & Markets State Auto, continued from page 18

flexibility to make sure that we can pay the claims, whether it’s a big catastrophe tomorrow or a long tail liability claim in the future. So we tend to take a lot less risk on the asset side. We need predictable returns, and we need predictable liquidity, because we take our risk on the liabilities side.

But clearly it’s had an effect on our capital as we’ve had to write down some equity. For companies in the industry that are more heavily weighted towards equities, clearly they’ve had a much bigger impact on their capital.

IJ: I wonder if you see a trend of independent agents becoming either more or less dependent upon their regional carriers as oppose to their national carriers.

Restrepo: I spent most of my early career with large national companies. One reason I left was because I was very attracted to the regional company model, because I saw the growth and the increased competitiveness among regional companies competing for market share and shelf space with independent agents.

Independent agents have increasingly relied on regional companies, particularly in the small to medium commercial space, which is where most independent agents make most of their commission income. They like the reliability, the accessibility, and the relationships that they have on a day-to-day basis with smaller regional companies. The kind of data that I’ve seen over the years reported by organizations such as the Big I demonstrates to me that that is paying off, that the regional companies are getting an increasing share of independent agent’s business, both renewal business as well as new business.

IJ: All companies preach against gaining market share by cutting prices. What do you see going on in the marketplace?

IJ: What is State Auto’s mix of personal lines and commercial Restrepo: It’s still a very competitive marketplace. Where we combusiness, and are you happy pete in personal lines, prices are with that? increasing. Personal lines is a Restrepo: We’re just about 60 pervery disciplined cent personal market, it tends to lines and 40 be more concentratpercent com- ‘Our internal ed and fewer playmercial lines. ers. The advent of We’ve been goal is to try to techniques like pre60 percent personal grow faster than dictive modeling allow us to really lines for 40 years. We the economy and monitor our margins and be much more don’t want to responsive in makshrink ourfaster than the ing the pricing selves to adjustments we greatness; industry.’ need to preserve our we’d love to profitability. have a balance of 50-50.

The commercial lines market A lot of our growth, in the place is much more fragmented past 15 years has come from acquiring smaller personal lines- where we deal with; we really focus primarily on the small- to oriented companies and then medium-size market. That cross-selling in our commercial remains very competitive. We’re lines portfolio. Every time we starting to see price decreases get a little closer to 50-50, w e moderate, and I expect in the buy another smaller company, second, third quarter we’ll start which increases the weight seeing some modest increases. toward personal lines. Over That’s going to be masked by time we’d like to have a good the economy. We’re not going to balance. see the same kind of premium We’re a terrific personal lines yield that we’ve had in the past company, always have been.

We’ve got a nice presence in it ... because the premium basis is declining, particularly in trades and an increasing presence in such as construction. But our the commercial market. But margins will start increasing where traditional regional companies have been the strongest is because we’ll start getting at least less rate decreases, and I in the smaller commercial risks think over time some modest that require individual underwriting. Individual pricing don’t rate increases. lend themselves to a standardized BOP-like approach. We have IJ: All companies preach not had as much success in that against gaining market share by cutting prices. What do you market as many of our regional see going on in the marketcompany competitors. That’s place? where we see the real opportuRestrepo: It’s still a very competinity for us in the future More on the commercial line side, but increasingly we see it on the personal side as well.

20 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

tive marketplace. Where we compete in personal lines, prices are increasing. Personal lines is a very disciplined market. It tends to be more concentrated and have fewer players. The advent of techniques like predictive modeling allow us to really monitor our margins and be much more responsive in making the pricing adjustments we need to preserve our profitability.

The commercial lines marketplace is more fragmented where we deal with; we really focus on the small- to medium-size market.

That remains very competitive.

We’re starting to see price decreases moderate, and I expect in the second, third quarter we’ll start seeing modest increases.

That’s going to be masked by the economy.

We’re not going to see the same kind of premium yield that we’ve had in the past because the premium basis is declining, particularly in trades such as construction. But our margins will start increasing because we’ll start getting at least less rate decreases, and over time some modest rate increases.

IJ: Are regional carriers under pressure to grow?

Restrepo: We feel under pressure to grow our profitability, but clearly part of demonstrating you’re a responsive carrier over time is to have reasonable profit growth. We call it rational premium growth.

Our internal goal is to grow faster than the economy and faster than the industry. We can have negative growth and still outpace the industry and the economy right now. But we are growing. We’re having positive growth largely on the personal lines side.

We’ve had success in personal lines growing organically partially because of our product line, partially because of our pricing precision, and partially because of the www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

technology we have in place with our agents right now make it easier to do business with.

As a regional company, we’re more likeable than a lot of the larger, national, often times less personal companies. We’re growing nicely in personal lines.

Our commercial production is flat, partially because the economy, and partially because of price competition.

4:50 PM

Page 21

I think the strength that we have is that we may not be pioneers often in technology, but we can be early adopters in terms of ease of doing business. We have sufficient scale, certainly at State Auto, supplemented by third party agencies to have statistical credibility; to adequately to price and underwrite our products.

The third thing is we have a culture that’s very attractive to independent agents and a track record of consistently being committed; a committed and stable market. IJ The above is an excerpt from a longer video interview with Restrepo. The interview and additional excerpts may be viewed at www.insurancejournal.tv.

IJ: How important are acquisitions?

Restrepo: Acquisitions are critical to our longterm growth. Our long-term strategy over time is to have about half of our growth come through acquisitions, and about half of it to come from organic growth.

Our focus has been on smaller companies, $50 million to $250 million in premium that have good underwriting fundamentals, strong agency relationships and allow us to diversify.

Our goal is to diversify ... to allow us to better balance our traditional property oriented business with more casualty business.

IJ: Early in your career you worked for some very large insurance companies.

How do you compare that experience to working for a regional?

Restrepo: Well, the obvious issue is scale. When I was with large companies, I always said that the large companies had a competitive advantage over regional companies. Primarily because of the companies, [Travelers, for example] and its ability to invest in technology and to have the management information that really made our pricing and underwriting and claim decisions more effective because had more data, we had more credible information.

What I’ve come to realize is that what regional companies bring is focus. We don’t play in as many different markets. Our focus on technology is narrower than many of our national competitors.

When I look at the data from third party research sources, in terms of ease of doing business, the companies that are identified as being easy to business are largely regional companies, partly because of their technology, partly because of their business model and partly because of their culture.

These are companies that live and die with the independent agent, whose interests are totally aligned with independent agents. ... www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-SOUTH CENTRAL REGION | 21

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 22

Idea Exchange Compensation Plans

How to Re-ignite Producers - and Other Employees - Who Have Lost Their Spark Incentive Compensation Focused on Customers, Not Premiums, Works, Consultant Says

A

l Diamond is one of the co untry’s best known and respected agency management consultants.

His firm, the Agency Consulting Group, is based in Cherry Hill, N.J. Diamond consults with agencies across the country on issues ranging from operations to mergers to sales and compensation. He is a Best Practices instructor for the Independent Insurance Agents & Brokers of America and author of the newsletter, Pipeline.

In this excerpt from a video intervie w with Insurance Journal’s Andrew Simpson, Diamond explains how agencies can develop a compensation plan to re-energize producers and non-producer employees, as well.

Insurance Journal: Agencies are in the midst of both the soft market and the recession. How do you think they’re doing?

Diamond: Well, it’s a very interesting time. I know that a lot of my compatriots are talking about tough times, recessions, layoffs and all of the things that go with a business downturn. I’m afraid I don’t share that philosophy.

Every economy poses challenges to the insurance industry. This economy is no different. The economy is neither bad nor good for us; it is. We’re like the stockbrokers of the world. There may be downturns in the market, or upticks in the insurance marketplace, but everyone still needs insurance. They’re going to buy it from someone. What we want

is, we want them to ‘There are some buy it from our producers who clients, using the reach their level of independent agency comfort and … network and the they’re no longer as good companies motivated to go that support those forward.’ independent agents.

The market right now is in turmoil. ... But the really strong agencies are just getting stronger. The weak agencies are falling by the wayside, if they don’t make changes in the way they operate.

IJ: What can agency managers do with a producer who is not producing like he or she used to? How can agency managers get them back on track?

Diamond: Well, that’s a very big question.

Producers are generally motivated by money.

They like money.

IJ: That’s a pretty short answer.

Diamond: Yes, that’s a pretty short answer.

There are some producers who reach their level of comfort, and once they reach their level of comfort, they’re no longer as motivated to go forward.

We do producer compensation and producer contracts that reward producers, incentivize producers, and grow compensation for producers for growth, but disincentivizes them for shrinkage. In other words, if you grow your book of business, not only do you get commissions, whatever form of compensation, but the larger your book of business, the greater your economy of scale to the agency.

We have

22 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

tiered compensation, so that at different levels of production, producers make ever-increasing percentages, back to the first dollar. So they’re making a lot of money if they’re generating many hundreds of thousands of dollars of commissions.

However, in order to get that, you have to have producers who are willing to say, “If I retire in place, if instead of being a producer I become an account executive and just take care of the customers I have, I can’t be called a producer any longer. I can’t be paid like a producer. I should be paid like an account executive.” And so we define a producer as someone who grows his book of business each year. I’m not talking about premiums or commissions, I’m talking about customers.

Page 23

department, how well you handle your receivables and budget. We measure that productivity factor for every job.

The more productive they are, the more money they make the agency. The more money they make the agency, the more we’re able to pay them. ...

It doesn’t mean that the employee is guaranteed a job. If they don’t do a good job, the employer or the agent can still terminate them. ...

However, if they’re doing a good job, then it’s the employee’s productivity increase that determines their compensation. IJ

IJ: That’s a big difference — customers versus premiums — right? Because in a soft market, it’s not really within the producer’s control whether premiums are going up or down.

Diamond: That’s exactly right. But he can keep all of his clients. ... If he g oes backwards in numbers of clients, in his percentage of his book of business, then he should expect to get paid less as well.

IJ: Does incentive compensation work for

Managing time is not easy in today’s fast paced environment. Does your wholesale broker work with you to provide you and your clients the fast,

non-producers?

Diamond: It works extremely well and now is an excellent time to begin those programs. Incentive compensation for non-producer employees is based on the premise that we can no longer pay for longevity. Just because you’ve been with me for 10 years doesn’t mean you deserve more every year. What we pay for, instead, is productivity. Every job in an agency has productivity factors, whether it’s revenue per employee or customer count or the number of claims you handle, or in an accounting www.insurancejournal.com

accurate information and quotes you need?

One call is all it takes.

The Best Brokers at Western Security Surplus understand time management. Count on us to craft innovative solutions promptly and on time.

We understand the concept of 24/7.

We’re always available when you need us.

Southern California (800) 733-5844 Northern California (800) 706-7675 Texas (888) 977-3255

www.wssib.com CA Lic. #0622580 • TX Lic. #15210

June 1, 2009 INSURANCE JOURNAL-SOUTH CENTRAL REGION | 23

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 24

Idea Exchange Boat Advice

Common Insurance Mistakes Can Sink Boaters’ Finances As Action on the Water Heats up, Here’s Some Advice Agents Can Offer Clients

By Chantal Cyr

A

s boating season starts to heat up once again, independent agents across the country may see clients who are re-evaluating their boat insurance needs, and looking to agents for advice.

There are five common mistakes boat owners make with their insurance coverage.

Whether they believe they do not need insurance because they own their boat, or because the boat isn’t physically in the water during the off-season, there are widespread misconceptions about when boat and yacht insurance coverage is necessary. Any boater should have some type of coverage to protect themselves financially for the long term.

Helping customers avoid these most frequent mistakes will help keep your boaters on a course towards getting the best value and protection. They are:

2. Picking on Price: As wallets tighten, insurance clients are more tempted than ever to shop for coverage base on price alone. But paying a little more for a policy co uld bring significant added-value to customers. For example, paying less for insurance could mean a lower policy limit and less coverage. It is also important to fit customers with a boat insurance policy from a carrier that has strong financial ratings.

3. Reducing Liability: Clients sometimes opt to lower their liability or other limits to save on monthly premium costs. Agents should help boaters identify the amount of coverage they need to protect other personal assets. It doesn’t make sense for them to have too much coverage, and by helping them avoid having too little, you are looking out for their best interests.

4. Unaffordable Deductibles: As with any insurance product, it’s a mistake for clients to choose deductibles they can’t afford. Choosing a higher deductible may be a good way for customers to save on monthly premium costs. However, make sure they choose a deductible they can afford in the event of a claim.

1. Dropping Coverage: Clients sometimesdrop coverage when their boat is paid off. But boat insurance covers more than just the vessel — it covers personal injuries, environmental cleanup and liability issues that could occur out on the water. And boating without any insurance coverage creates a large financial exposure that could ruin any family’s finances.

5. Off-Season Cancellations: Many boat and yacht owner will intentionally cancel their coverage during the off-season. This overlooks many risks that could damage the boat when it’s not in the water.

Dropping coverage could leave the boat owner exposed if the boat is damaged in a fire at the storage facility or if a tree crushes the boat parked in the driveway thanks to a winter ice storm.

Many boat owners may not realize their boat insurance coverage protects them from a lot more than just damage to their own boat.

24 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

Back injuries are one of the most common boating injury claims, and treatment costs can exceed thousands of dollars. Without sufficient insurance coverage, the vessel owner may have to shoulder the financial burden from medical bills to treat injuries suffered onboard their boat. What’s more, the costs to repair and replace damaged property or clean up large fuel spills could be significant.

If boaters are eliminating or reducing coverage as a way to cut costs, now is the time to prove the value an independent agent brings to the table. Ensuring boaters have the right coverage in today’s market is a key part of an individual’s long-term financial security. Insurance is there to protect a family’s financial position, and changing the policy to find a w ay to save money in the short-term should only be done with careful consideration and guidance.

There are certainly ways to save on insurance costs, but lowering policy limits or raising deductibles could be dangerous ideas.

One example of the right ways to save on boat and yacht insurance policies is taking a boating safety class to qualify for safety credits.

And having all personal insurance policies with the same carrier will often times yield a significant cost benefit to the customer .

Boating is an activity that alleviates stress from people’s lives as they enjoy time out on the water, away from day-to-day concerns, with friends and family.

The last thing a boater wants to think about when spending time on their boat is what would happen to their finances if something went horribly wrong.

Acting as a partner to help boaters secure the best insurance coverage will provide peace of mind and build loyalty as they will understand their agent is looking out for their best interests and enabling them to enjoy boating without worries. IJ Cyr is vice president for Travelers’ Boat and Yacht Division.

Reach her at ccyr@travelers.com www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 25

Idea Exchange E-Mail Marketing

Is Your Database Holding You Back?

How to Create a Culture of E-Mail Collection in Your Organization.

By Julian Aston Aston

T

hese are not the heady times of the customers, or to supplement a list. past when you could take a flyer on As a backstop, create a culture of e-mail colan untried marketing tactic. Sales lection in your agency. Set your agency manare thinner, margins are slimmer agement system to require an e-mail address. and subsequently, marketing budgets have Instruct employees to ask customers for an ebeen slashed. It’s time for a mail address. You have to comnew marketing approach — municate with customers and E-mail gets one that applies e-mail. prospects, and e-mail is the results fast — most economical way to do it.

Don’t spam a list of milare more sophisticated lions. Instead, use a conservawithin three days andThere costly ways to obtain etive, proven approach of minof delivery. mail addresses. If you have a ing your present customer decent sized list of contacts and prospect base, using ebut they do not have addresses, mail to do it. you can “append” them. However, appending may only grab about 20 percent to 40 percent Why Collect? of the contacts, and there is a one-time cost E-mail marketing is beneficial because: associated with it. You can supplement 1. According to the Direct Marketing Association, the costs for e-mail marketing will be one-tenth to one-twentieth of the cost of direct mail.

2. You can be timely. E-mail gets results fast — within three days of delivery.

3. Talking about results, you see it all: Who opened it, clicked on it, and so on. This is great for sales follow-up.

So what’s holding you back?

It shouldn’t be funding. E-mail marketing might cost a few cents for each e-mail deployed — a lot less than a stamp. U sually, a lack of e-mail data stalls an e-mail mark eting campaign, because the only way to touch contacts is with an e-mail address.

So where do you find those addresses?

If you operate an agency management system, they are typically in the reports section. Access your customer list and select the “export” function. Most systems export simply to a Microsoft Office Excel file.

Look in your contacts and in your own email inbox. If you’re using a program like Microsoft Outlook and maintain contacts, exporting is a piece of cake. Go to File, select Import, Export, and follow the instructions.

You also can cut and paste e-mails from messages you’ve received. This is tedious, but it is still a good way to put together a list of

appends with a phone call to ea ch client. Your phone call should be along the lines of, “This is the Blue Insurance Agency. We are updating our records … can I have your e-mail address?”

If you are in a retail location and g et foot traffic, set up a display offering an incentive, like two movie tickets, with the entry requiring an e-mail address. Then, enter the contacts into an Excel file each week or month.

Also offer the incentive by inserting an entry form in each renewal going out the door. Snail mail may beget an e-mail. Try one or all of the methods until y ou build a reasonable size database. Just don’t wait so long to start that it’s too late. IJ Aston is chief marketing coach for intouch Business Inc. Web site: www.intouchbusiness.com.

1959 ... 2009

National Indemnity Company congratulates Delta General Agency Corporation on their 50th Anniversary.

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-SOUTH CENTRAL REGION | 25

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 26

South Central Coverage News & Markets

Delta Celebrates 50 Years

S

ome 50-year-olds may wish 50 really were the new 40, but for Delta General Agency Corporation turning 50 is a milestone the Houston-based insurance wholesaler is proud to celebrate. Formed in 1959 by Houston retail agent Avrohm Wisenberg as a means of provid-

ing access by agents in Texas to certain specialized facilities, Delta continues a tradition of creating and building relationships with Texas retail agencies into its next 50 years.

Delta is “proud of the friendships and relationships with its carriers and especially with

its agents and CSRs in over 200 cities throughout Texas,” said Bill Fink, president and CEO of Delta since 1997. And, said Fink, “supporting the IIAT, FIWT and numerous local associations goes to the core of building and strengthening those relationships.”

Initially, Delta represented Lloyds of London and the Jefferson Insurance Co. In 1971, Wisenberg formed Delta Lloyds Insurance Company of Houston, to provide “admitted” coverage in a more competitive and less controlled environment. Today, Delta Lloyds remains highly rated

by A.M. Best & Co. with an “A-: IV” Excellent rating and a stable outlook.

“Delta experienced significant growth dur-

Standing in front of a picture of Avrohm Wisenberg, founder of Delta General Agency corporation, left to right, Dave Van Tiem, Sr. VP and Director of Commercial Lines, Len Kaplan, Executive VP and CFO, and Bill Fink, President and CEO.

ing the 1980s when surplus lines grew, and we were successful in adding contracts with well known companies such as Scottsdale, Nautilus, Markel, National Indemnity and Canal,” Fink explained. The agency also expanded into transportation and began focusing on personal lines for high net worth customers.

Currently, Delta serves as a wholesale intermediary for around 30 admitted standard lines and non-admitted special risk carriers.

Fink attributes the company’s success largely to its “staff of extraordinary professionals, who directly contribute to the excellence and high standards that our agents and carriers have come to expect.”

In addition to Fink, Delta is led by Len Kaplan, executive vice president and chief financial officer, and Dave Van Tiem, senior vice president and director of Commercial Lines. IJ 26 | INSURANCE JOURNAL-SOUTH CENTRAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:40 AM

Page 1

Idea Exchange Agency Management Done Right

Economy Forcing Changes in Carrier Investment Philosophy Ratings Agencies May Need to Rethink Their Methodologies as Well

By Stephanie Jones

T

he current economic environment has produced several influences that in combination are negatively affecting, or at least stressing, property casualty insurance carriers in unique ways, says one experienced industry analyst.

Investments in financial services providers, such as banks, Fannie Mae preferreds, Fannie Mae issues and debt obligations, have long been thought of as excellent instruments in an insurance company’s investment portfolio, explained Joe Petrelli, CEO of Columbus, Ohio-based actuarial consulting and financial analysis firm, Demotech Inc. Now, uncertain conditions in the financial services sector are causing many carriers to rethink that viewpoint.

“We used to think those were excellent things to have in the portfolio,” Petrelli said.

With the instability of equity markets and financial companies, however, insurers no longer “know how to value their quality in their investment portfolio.”

Additionally, the insurance industry traditionally would maintain a high quality portfolio that provided an investment income stream to augment premiums as a revenue source, Petrelli said. With the economic meltdown of 2008 that investment income stream is not as reliable as it has been in the past.

“And the third thing that I think is also interesting is even though we are in an environment where there is relatively low inflation, what is happening to the insurance industry is that that relatively low inflation is impacting their ability to increase premiums, but at the same time losses are increasing markedly,” he explained.

Still, Petrelli said the P/C industry in general remains strong. “The thing that is interesting to me is that from a co unt perspective, if we look at approximately 3,000 companies in

www.insurancejournal.com

the property and casualty insurance industry, from the perspective of sheer count of companies, the overwhelming majority — probably north of 85 percent of the companies — are absolutely fine, and this meltdown in the equity markets, it really isn’t hurting them,” Petrelli said.

It is the larger, more visible companies that have felt the adverse impact of the meltdown most severely. The smaller companies, regional companies, specialty companies, never invested in exotic investments or got involved in derivatives or any of the types of investments that landed other, larger firms in trouble, he said.

Avoiding Pitfalls Petrelli says there are reasons why smaller, regional companies have been able to avoid the financial pitfalls that have beleaguered larger insurers.

No. 1 — the overwhelming majority of the smaller companies are not publicly traded, or beyond that they are mutual companies instead of stock companies. So, there was no investor focus whatsoever,” he said.

Petrelli acknowledged that many well-run publicly traded companies have weathered the current economic storm and are doing fine. As for the smaller companies, he said, they remained committed to fundamental insurance concepts, maintained the quality of their investment portfolio, watched liquidity and the adequacy of loss reserves, focused on the quality of reinsurance and kept their eyes on their business models.

Petrelli said in a soft pricing cycle companies traditionally have been able to boost their revenues through investment income and cash flow underwriting. However, in the current investment environment companies are struggling to get a decent cash flow. While expectations are that insurers will need to raise pre-

Web Resource The podcast, Agency Management Done Right, Episode 1: The Economy, may be accessed online at www.insurance journal.tv/videos/2437/. miums to make up for investment losses, if consumers are unable or unwilling to pay more, carriers may not yet be in the position to raise prices significantly.

Petrelli also doesn’t think premiums are going to rise substantially any time soon. He said it may be the third quarter of 2010 before any significant pricing changes occur. “And it’ll probably be 2011 before things really turn the way the industry would like,” he said.

A Change in Rating Methodology Petrelli said he hopes one outcome of the crisis in financial services will be a chang e in the way ratings agencies do their jobs.

“The truth of the matter is, I think one of the dilemmas we have with the downturn in the financial services industry is the subprime debt that had been rated triple ‘A’ by many of the rating agencies,” Petrelli said.

“We’re now finding that certainly was not triple ‘A’ debt, and there were perhaps some flaws or at least optimistic assumptions in their algorithms and in their financial models.

So, I would hope that the rating agencies will recalibrate the way they view debt.”

He would also like to see international insurance rating agencies focus more on fundamentals, which is Demotech’s position.

“We want good liquidity in the balance sheet. We want high quality, verifiable assets.

We want loss reserves to be adequate, not just reasonable. We’d like to see high quality reinsurance, and we’d like to see companies sticking to what they know, rather than trying to expand just to make a rating agency happy.” IJ This story was based on an installment in the podcast series, Agency Management Done Right, hosted

by Wells Publishing CEO Mitch Dunford.

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N1

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:40 AM

Page 2

Idea Exchange Agency Technology

Re-Engineering Your Insurance Agency Understanding the Importance of Search Engine Optimization

By Laurie Zangwill-Infantino

A

couple times a year, I hear a clunk at my front door and I’m alerted by my barking dog that someone is there. I open the door to find my new Yellow Pages at my door step. I reach down, pick it up and go directly to my trash can.

How things have changed! Not so long gone I would have picked it up and replaced my old, worn out Yellow Pages with the new shiny version. Remember how we used to pull our Yellow Pages off our shelf to look up a business — like “insurance”—and there, in alphabetical order, were the names of the insurance agents in our area. Our eyes were drawn to the big ads — figuring they must be better than the others and perha ps we gave those a call.

Now, instead of “letting our fingers do the walking” through the Yellow Pages we are having our eyes do the browsing on the Web. Instead of looking for the big a ds, we go for the first page the browser displays for what we are looking for. Just like with the

big ads we figure those companies that pop up first must be the best. When w e surf the Web, we want to find what we’re looking for on the first page, maybe the second or third if we like browsing.

Today, there is hardly a business that does not have a Web site. Many are just sim-

Infantino

SEO strategy and implementation in place ple pages so the business has an online presfor his business. ence. Others have some component of ebusiness or e-commerce. We are accustomed Understanding SEO to people telling us to go to their Web site SEO stands for search engine optimization to get the information we need. It is one and is the back room computer function of thing if we are given an actual Web site getting a business’ placeaddress. It is entirely differment and recognition in ent if we are trying to find Competing the various search engines. something or someone on Like a like a store without the Web. online in rough physical presence to attract economic times customers (foot traffic) if a That’s the Big Problem It is a major misconcepdepends on Web Web site has no SEO it can not attract virtual visitors. tion that just by having a presence and a So, how does your Web Web site that people will be able to find you or your well-thought out site get recognized? How can you compete with business.

Web strategy. other businesses in your Not too long ago, I visitindustry that are already ed an insurance agency. He at the top? had called us because he recently had lost The answer lies in making sure your Web most of his clients to the do wnturned econconsultant is proficient in SEO and is able to omy. All those tried and true customers that get your Web site a PR Rating (Search were his retirement package had vanished.

Engine Point Rating). A Search Engine Point He had to sell again — for the first time in Rating is a value that the engines assign a a decade and needed to site based on a number of fa ctors, including figure out how to do how many links are pointing toward the site that. He told us he had a from other sites. This is where having placespecialty insurance proment in directories, e-zines, blogs, forums gram, one that his and reciprocal links makes all the difference. agency had for years. I At a time when insurance brokers and asked him if he had a agents are re-engineering their operations Web site and he nodded and where dollars spent have to have an yes. I then went to his absolute cost benefit, finding an expert in computer and opened up SEO can make all the difference to future a browser and typed in revenue. Competing online in rough ecokey words to see if the nomic times depends on Web presence and a Web would recognize his well-thought out Web strategy. As we look agency as having such a to cost contain and re-engineer our agencies, program. don’t overlook your opportunity for the Web “Car Wash Insurance, California,” I wrote presences that gives you the cutting edge. IJ and looked at the first page, and on and on.

After 20 pages I never once saw anything relating to his agency or program. He was Zangwill-Infantino is president of the Insurance Skills surprised.

Center, which offers webinars on SEO strategies as well as Yes, the agent had a Web site but no one other agency management topics. Phone: 800-375-8704. was going to find it. His Webmaster had no Web site: www.websitemarketingdesign.com.

N2 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:40 AM

Page 3

Errors & Omissions are his expertise. Not his practice. –Bruce Eisler, Senior Vice President LIU Professional Liability

Yes, there’s a Professional Liability insurer that’s as responsible as you are.

Of all the reasons Liberty International Underwriters has become a leading specialty lines insurer, what truly sets us apart is our instinct to do the right thing. We meet your needs quickly, consistently, and responsibly. Together, we can provide the best products for your clients. We don’t just value our relationship with you. We work at it.

For specific information about the types of risk we write, visit libertyiu.com/e&o. Liberty Mutual is rated A by A.M. Best.

Responsibility. What’s your policy?

:M8:HH 86HJ6AIN JB7G:AA6 Â&#x2122; : D Â&#x2122; 9 D Â&#x2122; EG>B6GN 86HJ6AIN Â&#x2122; ;>9:A>IN Â&#x2122; :CK>GDCB:CI6A Â&#x2122; 8DCHIGJ8I>DC Â&#x2122; B6G>C: Â&#x2122; :C:G<N Â&#x2122; EGDE:GIN

All products written by member companies of Liberty Mutual Group. Š 2007 Liberty Mutual Group.

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:40 AM

Page 4

National Coverage Washington Report

Republicans Introduce Health Care Reform Plan

C

ongressional Republicans unveiled a health care reform plan they hope will compete with what Democrats are planning to offer.

U.S. Sens. Tom Coburn, M.D., of Oklahoma, and Richard Burr of North Carolina, along with U.S. Reps. Paul Ryan of Wisconsin and Devin Nunes of California, introduced legislation that shares the goal of the opposite party: the promotion of universal access to quality, affordable health care.

But the Republican plan promises to achieve this universal access without creating any new government-sponsored insurance plan, an idea that many Democrats support, and without raising taxes.

The public option has been opposed by health insurers, agents and conservative groups.

Democrats have not yet unveiled a final plan, although many features including a public option and an individual mandate have been discussed in hearings over the past few months.

Some of the other features dis-

cussed by Democrats are adopted in the Republican plan, such as the concept of a health insurance exchange, assistance for low income insureds and building on the existing employer-based system.

In its major features, the Republican bill, dubbed The Patients’ Choice Act of 2009, would: • Create state health insurance exchanges to compare different private market health insurance policies.

• Guarantee the same standard health benefits and choices as members of Congress now enjoy.

• Ensure no individual would be turned down by an exchange insurer based on age or health.

• Create a non-profit, independent board to risk adjust among participating insurers to penalize companies that “cherry pick” health patients and reward insurers that encourage prevention-

wellness and cover patients with preexisting conditions.

• Gives states the ability to band together in regional pooling arrangements, as well as risk pools, reinsurance markets, or risk adjustment mechanisms to cover those deemed uninsurable.

Republicans said their Patients’ Choice Act of 2009 would utilize the tax code to give every American, regardless of employment status, the ability to purchase health insurance by providing an advanceable and refundable tax credit of $2,300 per individual or $5,700 per family.

It would also seek to improve the operation of Health Savings Accounts (HSAs) by allowing health insurance premiums to be paid with HSAs without a tax penalty and raising the amount of money HSA owners may annually contribute to their account. IJ

National Insurance Producer Licensing Bill Reintroduced in Congress

F

ederal legislation designed to streamline licensing for insurance agents and brokers operating in multiple states has been reintroduced in Congress.

The legislation, HR 2554, the National Association of Registered Agents and Brokers Reform Act of 2009, or NARAB II as it is known, was introduced

by Rep. David Scott, D-Ga., and Rep. Randy Neugebauer, RTexas.

The bill would establish a national organization, NARAB, which producers could join that would be responsible for establishing one set of licensing, con-

tinuing education, and other insurance producer qualification standards that would be applicable in all states in which they do business.

While establishing a national licensing system, it would still allow states to license, supervise, discipline, and establish licensing fees for insurance producers.

Similar legislation, H.R. 5611, passed the full House in Sept. 2008 but never attained a Senate vote.

Agents, who otherwise support state regulation, are backing the creation of the NARAB national licensing organization in part out of frustration with the efforts by

N4 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

state insurance departments and the National Association of Insurance Commissioners to achieve reciprocity in licensing rules and procedures.

Robert Rusbuldt, Independent Insurance Agents & Brokers of America’s CEO and president, said his organization believes the state system can’t effectively address certain regulatory problems and there is a role for Congress to play in helping to modernize state regulation. “The NARAB Reform Act is such targeted reform as it only relates to marketplace entry and would not impact the day-to-day state regulation of insurance.” IJ

Surplus Lines Regulation Reform Legislation Reintroduced

L

egislation aimed at making access to the surplus lines market more efficient and help standardize state insurance regulation has been introduced again in the U.S. House of Representatives.

Reps. Dennis Moore, D-Kan., and Scott Garrett, R-N.J., members of the House Committee on Financial Services, reintroduced the Non-Admitted and Reinsurance Reform Act of 2009 (NRRA), or HR 2571. The measure has 20 other cosponsors.

Senators Evan Bayh, D-Ind., and Mel Martinez, R-Fla., members of the Senate Committee on Banking, Housing and Urban Affairs, have also announced that they plan on introducing a version of the bill in the Senate.

The bill would establish national standards for how states regulate the surplus lines market and reinsurance, and would create a uniform system of surplus lines premium tax allocation and remittance, one-state compliance on multi-state surplus lines risks, and direct access to the surplus lines market for sophisticated commercial purchasers.

The bill also would reduce overlapping, multiple-state regulation of both reinsurer financial conditions and credit-forreinsurance on the balance sheets of ceding insurers, supporters of the legislation say.

The insurance industry remains virtually unanimous in its support of the bill. IJ www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 5

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 6

International Coverage News & Markets

Max Cap, Validus, IPC Skirmishes; AIG IPO; Pir ates Continue Attacks

By Charles E. Boyle

A

s the June 12 shareholders meeting approaches, the three-way tussle between Bermuda-based Validus Holdings and the Max Capital Group over the acquisition of

IPC Re shows no signs of letting up.

In the latest round Validus lost its bid to expedite its suit against Max and IPC when the Bermuda Supreme Court dismissed its application, and ordered the company to pay IPC’s and Max’s court costs and legal fees.

Validus is seeking to void the $50 million termination fee and “no-talk” provision contained in the IPC-Max Amalgamation Agreement. It pointed out that the decision “only related to the timetable for the proceedings and was not a judgment on the merits of Validus’ claims. The judge acknowledged that Validus has raised ‘serious questions to be tried.’”

Validus also noted that the “court’s ruling has no effect on Validus’ resolve to complete its acquisition of IPC, including the Exchange Offer we announced on May 12, 2009, and the Scheme of Arrangement, neither of which is conditioned on the elimination of the possible termination fee to Max.” Validus nonetheless upped its offer to IPC’ s shareholders to $1.69 billion. IPC’s board promptly rejected the offer, and urged its shareholders to do the same.

AIG finally launched its long rumored initial public offering (IPO) of its Hong Kong-based subsidiary, American International Assurance Co Ltd (AIA), known as its “crown jewel.” AIA provides coverage to about 20 million customers, or close to a third of AIG’s total customer base.

AIA has more than $60 billion of assets under management, according to a report from Reuters. In 2008, it recruited more than 52,000 agents, bumping its representation up to about 250,000 agents, and it has about 20,000 employees across 13 Asian markets.

Standard & Poor’s said that it did not expect any rating change as a result of the IPO. Somali pirates continued their attacks, but at least one of them was frustrated by the intervention of two Australian Navy warships that chased a band of pirates away from their intended target in the Gulf of Yemen.

Aon issued a statement asking the world’s Protection & Indemnity Clubs (P&I), mutual associations that provide liability coverage for most of the world’s marine transport, “to remove their war risks exclusion to give ship owners greater coverage certainty in the event of a piracy attack.” IJ

N6 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 7

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 8

National Coverage News & Markets

AIG CEO, Chairman Liddy C alls It Quits Finding a New CEO Won’t Be Easy, Consultants Say

A

merican International Group Inc. (AIG) announced on May 21 that Chairman and CEO Edward M. Liddy intends to step down once the board finds replacements for him.

But who would apply for a job that requires regular coach flights to Washington to be abused by Congress on international television, to run a company that in many ways symbolizes the financial crisis?

And oh by the way, Liddy held this job earning Edward M. Liddy just $1 a year.

“They’re going to have a heck of a time getting somebody,” said Alan Johnson, managing director of New York-based compensation consultant Johnson Associates.

“It’s one thing to be looking o ut from the parapets of the castle and have them shooting at you, but it’s another thing to be shot in the back.”

Consultants and experts said someone with political savvy, even an outright politician, might be best-suited for the jo b, given that the U.S. government owns nearly 80 percent of the giant insurer, and that billions in public funds are on the line.

Liddy has recommended that the chair-

man and CEO roles be separated and, giant firm to its knees last y ear. according to the company, the board of That scolding may have satisfied the need directors agrees with that strategy. for a scapegoat, but it also thins the ranks of Earlier in the month, the company that job candidates. has been bailed out by the federal govern“Congress acted grossly unprofessional, ment announced the nomination of six new vindictive, and there are ramifications,” said directors to stand for election at the compaJohnson. “The next guy doesn’t have to take ny’s annual shareholder meeting on June 30, this job, we’re not going to get as good a 2009. This slate will reconfigure the board person, and the American people will pro bso that a majority of its ably lose additional members will be newlybillions of dollars elected independent because of it.” directors.

Under Liddy’s According to the stateleadership, the compament issued by AIG, ny has also begun the Liddy believes that the process of rebranding company should install a its insurance businessmore permanent leaderes as AIU Holdings to ship team and structure protect them from furalong with the new ther negative fallout board. from the troubles The searches for two caused by the AIG replacements — a CEO financial products and a chairman — will be unit. handled by both the Liddy, a former reconstituted board and Allstate executive who the trustees of the AIG was retired but took Credit Facility Trust, the AIG job largely in The AIG building in New York. which represents the govthe name of public REUTERS/Shannon Stapleton ernment’s 80 percent service, said he stake in the company. expects his successor “Much work remains to be done at AIG, to be paid a much higher salary. but much has already been accomplished,” But Americans, prompted in part by their Liddy said. “With the financial assistance of president, attacked Wall Street compensathe Federal Reserve Bank of New York and tion as galling and excessive as the country the U.S. Department of the Treasury, tumbled last year into a severe recession we have made substantial progress in blamed heavily on banks and others in the stabilizing AIG, reducing the systemic previously high-flying financial sector. risk that led the government to rescue “They narrow the pool substantially and Do you think AIG should pay its Financial Product the company, protecting our policyincrease the chances of making a ba d pick if employees bonuses promised in 2008? holders and our businesses, and develthey get too chintzy” with compensation, oping a plan to repay American taxsaid Bert Ely, political policy consultant at payers. I am proud that we are now Ely & Co. in Alexandria, Va. “Given how 27% implementing this repayment plan.” poorly the government has conducted itself Yes But Liddy’s short tenure as CEO is over the last six to eight months, it cannot No marked by the public scolding he make a convincing argument that the perTotal Votes: 451 73% received at the hands of lawmakers son they pick will not be a political p unchover bonuses paid to AIG’s financial ing bag,” he said. IJ product unit, whose bad bets on mortgage-backed securities brought the Reuters contributed to this story.

Insurance Journal Online Poll

N8 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 9

Spotlight Top Performing P/C Insurers

Premium Growth: Top 25 Premium Gainers in 2008 Versus 2007

By Joseph L . Petrelli

W

hat is the impetus for growth? Why do some insurers emphasize growth and others do not? In his Sept. 25, 1961, address to the United Nations, President John F. Kennedy described conformity as “the enemy of growth.” This implies that those who emphasize growth are not conformists. If this is the situation, it seems reasonable to conclude that those who drive growth are forward thinking and seek to create the future rather than to conform to the status quo.

During calendar year 2008, the Top 25 property and casualty insurance companies wrote an additional $10.3 billion in direct written premium over the 12-month period ending Dec. 31, 2008, versus the period ending Dec. 31, 2007. The total direct written premium for the Top 25 was nearly $92 billion in 2008 versus $81.7 billion in 2007.

Despite an economy that has been unkind to many, direct written premium for the Top 25

Petrelli

grew at an annual rate of nearly 13 percent.

More important to insureds, agents and claimants, Demotech’s review of the reported financial position of the Top 25 indicated that each of the Top 25 carriers had the surplus and financial strength to absorb and support their growth and relative premium level. Many of the insurance companies in the Top 25 were ultimately owned by or are part of well-known and highly respected groups. The insurer with the largest dollar volume of growth was National Union Fire Insurance Co. of Pittsburgh, a member of AIG. In calendar year 2008, it experienced dollar volume growth of nearly $900 million.

One carrier that did not make the Top 25 list because it didn’t meet our criteria of having at least $25 million in direct written premium in the prior period is Berk shire Hathaway Assurance Corp. This company had an exceptional 2008, growing from zero dollars in direct premium written in 2007 to

$593,629,919 of premium in 2008.

In an industry that scrutinizes the growth rate of premium writings, consumers and agents are well-served by having a core group of insurance companies capable of responding to the changing insurance and co verage needs of individuals as well as corporate consumers. IJ Petrelli is the president and founder of Columbus, Ohiobased Demotech Inc., Insurance Journal’s official research partner. Organized in 1985, Demotech is a financial analysis and actuarial services company providing services to regional insurance companies, title underwriters and specialty insurance markets. Financial Stability Ratings® of A or better are accepted by the secondary mortgage marketplace, virtually all mortgage lenders, several premium finance companies and an increasing number of umbrella insurance markets. Keep in mind that neither the National Association of Insurance Commissioners, Kansas City, Missouri nor Highline Data endorse any analysis or conclusion based upon the use of its data.

Top 25 P/C Companies in Premium Gro wth Based Upon Dollar Amount of Direct Premium Written (DPW) Growth; Minimum $25 Million DPW at Dec. 31, 2007; Year Ending Dec. 31, 2008 Versus Dec. 31, 2007 DPW $ Change Rank 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25

Company Name National Union Fire Insurance Co. of Pittsburgh Allstate Fire and Cas Insurance Co. Rural Community Insurance Co. Liberty Mutual Insurance Co. Travelers Home & Marine Insurance Co. State Farm Mutual Auto Insurance Co. AIU Insurance Co. Ace Property & Casualty Insurance Co. Westport Insurance Corp.

GEICO Indemnity Co. American Security Insurance Co. Assured Guaranty Corp.

State Farm Fire and Casualty Co. NAU Country Insurance Co. Allstate Property & Casualty Insurance Co. Axis Insurance Co. Great American Insurance Co. of NY Mid-Century Insurance Co. American Zurich Insurance Co. American Agri Business Insurance Co. Firemans Fund Insurance Co. GEICO General Insurance Co. American Bankers Insurance Co. of FL Peerless Ind Insurance Co. Producers Agriculture Insurance Co. Top 25

DPW 12/31/2008 $6,346,614,262 2,206,970,644 1,732,142,355 3,482,787,666 1,306,159,223 28,952,521,998 2,770,742,249 1,843,536,611 670,017,291 3,334,950,300 1,755,789,757 584,542,064 15,245,182,506 1,155,433,871 4,838,844,247 396,421,371 1,486,923,371 2,461,429,014 966,608,771 638,647,273 2,556,819,682 5,035,414,894 1,422,287,976 297,448,455 499,889,011 $91,988,124,862

DPW 12/31/2007 $5,450,523,420 1,586,628,382 1,120,385,336 2,879,017,143 764,998,207 28,434,556,002 2,262,929,283 1,339,144,547 174,511,502 2,859,043,536 1,302,103,585 159,202,567 14,823,888,784 740,317,165 4,486,286,874 108,099,410 1,201,843,361 2,187,199,186 699,627,561 377,810,158 2,319,931,267 4,810,585,920 1,199,042,963 95,696,358 304,118,269 $81,687,490,786

DPW $ Change $896,090,842 620,342,262 611,757,019 603,770,523 541,161,016 517,965,996 507,812,966 504,392,064 495,505,789 475,906,764 453,686,172 425,339,497 421,293,722 415,116,706 352,557,373 288,321,961 285,080,010 274,229,828 266,981,210 260,837,115 236,888,415 224,828,974 223,245,013 201,752,097 195,770,742 $10,300,634,076

DPW % Change 16.44% 39.10% 54.60% 20.97% 70.74% 1.82% 22.44% 37.67% 283.94% 16.65% 34.84% 267.17% 2.84% 56.07% 7.86% 266.72% 23.72% 12.54% 38.16% 69.04% 10.21% 4.67% 18.62% 210.83% 64.37% 12.61%

Data Source: The National Association of Insurance Commissioners, Kansas City, Mo., by permission. Information derived from a H ighline Data product. The NAIC and Highline Data do not endorse any analysis or conclusion based upon the use of its data.

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N9

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 10

Special Report Fireman's Fund

Fireman’s Fund: Focusing on Agents CEO LaRocco, Exec Barnard Outline Insurer’s Renewed Strategy to Re-Engage Agents and Deliver Greater Value

By Patricia-Anne Tom

W

eathering today’s economic storm has not been easy for insurance companies.

Consumers are more carefully scrutinizing their coverages, while the financial sector is taking a beating in the p ublic, as the government has been forced to bailout large corporations. In light of these challenges, Fireman’s Fund is making a push to improve its products and distribution force.

The Novato, Calif.-based insurance company — which relies 100 percent on independent insurance agents to distribute its products — said it is re-engaging agents and delivering greater value to them, as well as to consumers. As part of this commitment to agents, Fireman’s Fund’s leaders just wrapped

up a “road show,” in which they visited agents in 21 cities in nearly 10 days. On the last leg of the journey, Insurance Journal’s Patricia-Anne Tom sat down with Mike LaRocco, Fireman Fund’s CEO, and Eleanor Barnard, chief distribution, sales and marketing officer, to find out about the new product offerings and renewed relationships with agents.

Insurance Journal: These are challenging times for all businesses, insurance included. Given the volatility of some insurance carriers and the market uncertainty, how can Fireman’s Fund

TechGuard In today’s increasingly digitized world, technology companies need an innovative insurance product that provides broad coverage for their complex and constantly evolving exposures.

NAS’ new TechGuard is our broadest tech policy to date – featuring expansive coverage for Tech E&O, Security/Privacy insurance that includes broad regulatory coverage, multimedia coverage and reimbursement for customer notification costs.TechGuard insures a wide range of technology risks such as hardware manufacturing, IT consultants, software development and more.

NAS Insurance Services is an independent Underwriting Manager with full binding authority to underwrite on behalf of highly rated carriers. For over 30 years, NAS has remained a product-oriented company, ever on the leading edge of innovation with a constant commitment to the development of specialty products.

assure agents and the public of its financial security?

Mike LaRocco: Ultimately when you think about Fireman’s Fund and where we’re going, this is going to become a growing organization.

We’ve always been solid.

We’ve always been financially strong. We’re now positioning ourselves for some fairly significant growth as the market conditions improve and, obviously, the overall economy improves. We feel strongly that the way our products are designed and the markets that we’re in, that we have ample room to grow continued on page N12

e-MD™ MEDEFENSE™ Plus Miscellaneous E&O Healthcare Technology NetGuard™ NetGuard™ Plus Social Services TechGuard Technology Liability writeNOW! Programs

16501 Ventura Blvd., Suite 200 Encino, CA 91436 www.nasinsurance.com LIC #0677191

N10 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 11

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

Page 12

Special Report Fireman's Fund Fireman's Fund, continued from page N10

within the independent agency channel. We’re very bullish on the channel, and we’re really bullish on our opportunity to grow in that space.

IJ: Fireman’s Fund is owned by Allianz. If you look at the recent crisis with American International Group (AIG), that company also had a financial backing of a larger group. How do you reassure your agents and customers that your company won’t wind up in a similar situation, where the other areas of AIG hurt the insurance business?

LaRocco: That’s a great question. Simply because we’re the largest property/casualty company doesn’t make us financially strong.

The size of the organization is an advantage, because when you have financial size in this manner you can leverage that size in effective ways. … The size and being the larg est P/C company is an advantage, but there’s a huge difference [between us and AIG].

Allianz has a very long and proud record.

We know what we are, and we know what we’re not. We are a P/C insurer, so the idea of finding the next clever financial derivative product or getting into a space that is complex has no interest to us. We’re a P/C company primarily. We really stick to our knitting. Some people may call that boring, but when we think about the P/C business, we know what we are.

Obviously, we have a life business and an investment business, but speaking specifically to the P/C side, we’ve really stuck to our knitting. That’s reason one that people should feel good.

The second reason [customers can be assured of Fireman Fund’s stability] is that the same approach really happens on the investment side of our business. Whether it’s a Fireman’s Fund company in the United States or Allianz on a global basis, we have a long, proud history of a very conservative balance sheet and a very conservative investment philosophy. Like every other company, we’ve certainly had some impairment because of the equity markets. … Today Allianz has a solvency ratio that is the envy of many of our competitors, because we have taken a very conservative approach from an investment standpoint and from a balance sheet standpoint.

Eleanor Barnard and Mike LaRocco

I’m not suggesting we haven’t made our own set of mistakes, but proportionately or relative to what you’ve seen at other companies, we’ve been in a much better position. It’ s a very different story than what you hear about at AIG, because we’re a very different company from that standpoint.

IJ: Are there any lessons that your company learned from the AIG crisis?

LaRocco: Absolutely. We’re [always] learn[ing], whether it’s from AIG or the overall economic downturn that we’ve seen. With the troubles in the equity marketplace, it validated the lesson that if you’re good at something, just keep doing it and doing it and doing it, and g et better, and better and better at it. Don’t get so full of yourself that you want to get onto that next clever or creative product line. This is really

N12 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

about dotting the I’s and crossing the T’s, and providing outstanding customer service.

This crisis has really validated the Allianz approach to business, which I think is the right one.

IJ: How were you affected by the AIG crisis? Are you going after their customers, especially in the high net worth clientele area, which both companies insure?

Eleanor Barnard: We compete in the marketplace, regardless of the [similar coverages].

Nobody feels good to see any company going through what [AIG is] going through. They were our competitor long before this happened.

So, we go after the marketplace regardless of the competitive situation. We walk into any agency, and we say, “Who are the carriers www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:41 AM

you’re competing with and we’re competing with for these customers who look like this?”

Regardless if it’s high net worth, regardless if it’s commercial, we’re in a competitive marketplace. [We want to know] what are the differentiators that you’re selling today? Where are we relative to the value proposition, the share of shelf? When do you think of us? Why do you not? It isn’t that we’re going after [AIG’s] customers. We go after every customer in a marketplace that we really want to target. We have very aggressive growth goals, and we are doing a lot of work internally to be able to remember that we are driving for accelerated profitable growth everywhere.

IJ: Talk to me about your company’s push to re-engage agents and deliver greater value to them.

Barnard: It starts with distribution. Everything begins with your distribution strategy. All the great work that’s done here in this building, all the incredible value we bring to the end policyholder, we choose to do that through independent agents and brokers. Therefore, that relationship is absolutely critical to how we go to market.

It goes from your distribution strategy to then aligning all of your marketing strategy and tools to driving profitable growth. We’re constantly striving to create an ease of doing business with independent agents. The agents that we write with vary from a smaller agent, independent agent, all the way up to a global broker. ...

We’ve worked on segmentation. I don’t know any business that doesn’t segment their customers because every customer doesn’t need or value all the products you have or all the service that you provide. But we really put a lot of work in the past few months in segmenting our customers, understanding who’s very big with us today and why are they big with us? Who were the policyholders that they have that are Fireman’s Fund’s, because they represent many other companies? You think about it terms of a consumer; how much share of shelf do we have in that agency? Then we looked at who is selling our products today.

It fast forwards to all of the investments that we’re making today, and the investments Allianz is enabling us to make today, in technology and then ultimately in a new broader www.insurancejournal.com

Page 13

product offering in the market. ...

Fireman’s Fund today is much heavier and stronger in the West than we are in the East.

But we really looked at the entire geography to understand how we get deeper with our current product offerings and where. Where’s our biggest opportunity to focus today, and then where’s our opportunity more broadly with the whole new portfolio we’re going to be bringing to the marketplace in the next 18 months?

communicate directly with them and their ability to share with us. We openly acknowledge that our technology is difficult [to work with], and we shared with them that Allianz, our parent company, just made a $100 million investment in Fireman’s Fund to invest in technology, in process and in people to enable us to create that ease of doing b usiness that enables the agency to work with us.

They were very excited about the enhanced products we’re going to be bringing to the market. And they were very excited to hear of the commitment that Allianz has to the U.S. marketplace. They were looking for some reassurances in an unstable marketplace of the financial strength of Fireman’s Fund.

IJ: How are you reaching out to agents?

Barnard: In several ways. We communicate with our agents on our agent desktop. If they’re already contracted with Fireman’s Fund, we’re constantly communicating with IJ: Do you think agents would be wise to them through that technology. We also proconsider regional carriers as well as largduce an agent newsletter. We also have advisoer conglomerates? ry councils and that’s something we’re looking Barnard: That’s up to an individual agency. I at enhancing. We also have our salespeople out would say every agency is evaluating what carin the field ... we align our resources with riers they need in order to meet their custhose agents that we can bring the greatest tomers’ needs. … But today, given the instabilivalue to. We also provide direct access to our ty that [agents] have been experiencing, I think senior leadership team. there is a concern about (That’s the reason for) the the depletion of the carriroad show. Our CEO absolute‘Our CEO absoers. So whether [an agency ly believes that you get out lutely believes is] regional or national, there and you listen to your [they should ask themcustomers, and so we just did. that you get out selves whether] they can We had hundreds of agents there and you meet the opportunity they that we, his entire senior team, have in their marketplace got in front of. listen to your to add to their growth It was very interesting forcustomers ... we strategy. mat. Our CEO gets up and A lot of our [agency partopens it with very few comjust did. We had ners] are high-growth ments, and then we turn the hundreds of agencies, so they are conmeeting over to [agents]. about their renewWhatever’s on their mind, they agents that we ... cerned ables and where they need ask us questions, they give us got in front of.’ to place that business, comments. Then we stay at given the financial instabilthe end, and we interact with ity that they are facing in some cases. The fact them. We give our e-mail address and contact that they have a national player like Fireman’s information to every single one of them as part Fund is significant. That’s one of the reasons of their takeaway. We are absolutely, 100 perthey were so excited about our investment in cent accessible as a senior team. That’s the product development, in technology, because it long way of saying there isn’t one single way takes a national player and opens us up even we approach the agent. further.

IJ: Were there any themes that emerged IJ: Have you changed your underwriting from the road show? standards or compensation as part of Barnard: No. 1, agents were thrilled to have access to the senior team, being able to have us continued on page N14 June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N13

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 14

Special Report Fireman's Fund Fireman's Fund, continued from page N13

your renewed outreach to agents?

Barnard: We look at compensation on an annual basis. I have been in the midst of the rollo ut of revised compensation in some of our personal lines products, but those have been on the drawing board for more than a year.

Compensation is such a core element of the relationship that it’s something we look at on an annual basis. We’ll continue to do that.

www.AndersonMurison.com

Commercial Lines UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ

"*½ÃÊEÊ*>V >}iÃ

ÌÀ>VÌ ÀÃ

ÀiVÌ ÀÃÊEÊ"vv ViÀà >ÀÌ µÕ> i * >À>}iÊ >L ÌÞ i iÀ> Ê >L ÌÞ *À `ÕVÌÊ >L ÌÞ *À viÃà > Ê >L ÌÞ *À «iÀÌÞ 7 À iÀÃ½Ê «

Personal Lines UÊ UÊ UÊ UÊ UÊ UÊ

*

Üi }à ` i Ü iÀà L iÊ ià *iÀà > Ê1 LÀi >

800-234-6977 or Fax: 323-255-0957 800 W. Colorado Blvd.

Los Angeles, CA 90041

> v À >Ê Vi ÃiÊ äÎÓΣäÈ

that customer a portal by which to come through them and get to the same information ....

That’s one of the reasons we’re making this investment in our technology. We’re not making the investment to enable us to go direct.

We’re making it so that independent agents of the future can bring that technology down to the customer. [Customers that want to do everything on the Internet] can go through an independent agent portal and get the same choices, if not ‘As you really more choices .... It’s a real win-win for the policyholder, think about the but we need to get that techturmoil and nology there for that.

We believe we have such financial crisis, huge opportunities, still, with policyholder cus- independent agents and broIf we bring focus to tomers are more kers. that, we’re much better off and more turnthan trying to compete in an where marketing doling to their inde- arena lars are really driving the pendent agents behavior out there, not the total value proposition.

IJ: Your distribution strategy is solely through independent agents. Do feel that you’re missing out on customers that are looking to buy their insurance through the Internet, for example?

LaRocco: My counsel to agents … is the individuals who are choosing to purchase over the Internet aren’t necessarily choosing those companies, they are choosing that lifestyle of being on the Internet. ... for advice.’

Independent agents can just IJ: Mike, you used to work as well offer their products for a direct company, how does working via their Web sites. And the benefit that the for Fireman’s Fund compare? independent agent brings in that space is they LaRocco: I’ve been on both sides of the fence. can offer the same type of ability to access First of all, I think there is a lot of b usiness for business through the Internet and they also all companies. There are a lot of terrific direct have what I consider the safety net of pro vidresponse companies. There are a lot of terrific ing the professional advice, should that conindependent agency companies, and I think sumer decide that they need that help. the fallacy is that this is a marketplace where As you really think about the turmoil and it’s kind of going to be an either or proposition. financial crisis, policyholder customers are That just doesn’t make sense. The reality is more and more turning to their independent that there are opportunities for all kinds of agents as the professionals they are for advice. methods of distribution. Just because one is They want to be sure that they are being placed with a solid company and that they can growing in a certain space doesn’t mean another one can’t grow as well. Consumers are going be counted on to be there in time of need to want different opportunities to purchase should they have that claim. I think that indetheir products, and I think there’s room for pendent agents are really, as always, in a very both to grow. They both have strength. good position and have a great opportunity in Our position and my position, having had front of them. the benefit of being on both sides, is that I see Barnard: The independent agent of the future the real value in terms of the professional has the opportunity to make investments that drive his relationships. The independent agent advice and counsel and choice that the independent agent brings to the consumer. Again, is the trusted advice and the trusted adviser, that’s always important, never more so than whether that be in personal or commercial. now. I think I bring a new perspective because They don’t need to seed off that customer that I have been on both sides. IJ chooses to use the Internet, but rather provide

N14 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 15

How convenient.

One source for so many solutions

5Star Specialty Programs is a leading MGA providing specialized insurance solutions for numerous industry classes including transportation (bus, limo, Paratransit, taxi, towing, trucking), PARKsureTM for parking operations, and DEALERsureTM for auto dealerships. Plus we offer workersâ&#x20AC;&#x2122; compensation (guaranteed cost, self insurance, TPA) and professional liability (D&O, E&O, EPL) for a broad range of risks. Our programs include protection for virtually every aspect of an operation and are backed by over 25 years of underwriting experience in the industries we serve.

As the marketplace changes, our commitment to bringing you access to A-rated carriers and expanded capabilities, tailored to meet the insurance needs of your clients, makes us your most versatile business tool.

5Star Service. 5Star Solutions. 5Star Specialty Programs.

Specialty Underwriting for: Trucking Public Auto Workersâ&#x20AC;&#x2122; Compensation Paratransit Waste

CRUMP13430 i dd 1

Professional Liability Towing & Recovery Misc Business Auto DEALERsure PARKsure

www.5starsp.com

877.247.9772 marketing@5starsp.com

5/20/09 10 42 AM

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 16

New Markets The following markets were selected from the MyNewMarkets database of 25,000 coverages and programs. To find additional markets, or to submit markets, go to www.MyNewMarkets.com.

Staffing Firms Market Detail: World Wide Specialty Programs (www.wwspi.com) was founded 40 years ago to provide insurance exclusively for the staffing services industry. The program offered by World Wide includes: staffing services liability, general liability, professional liability, employment related practices, fidelity bond, commercial umbrella, property, office package and workers’ compensation. Specialty risk coverage is also available.

Available Limits: As needed.

Carriers: AIU Holdings Inc. No rating data provided. Admitted.

States: All. Contact: Alan Doloboff at 866-927-2004 ext.

133 or e-mail adoloboff@wwspi.com.

Network and Computer Protection Market Detail: Victor O. Schinnerer & Co. Inc. (www.PlanetNetworkProtection.com) brings agents access to computer network protection created for design professionals.

This is a cyber liability endorsement to VOS’s admitted professional liability policy for architects and engineers. The endorsement covers events such as: damage or theft of electronic information, inability of an authorized user to access a network, computer viruses, worms, Trojan horses, suspension or interruption of a network, denial of service attacks, privacy injury and identity theft, cost to notify affected parties of a security breach and an option to cover lost or stolen laptops. Minimum premiums begin at $510 and deductibles start at $1,000.

Available Limits: Up to $2 million.

Carriers: CNA. “A” rated by A.M. Best.

Admitted.

States: Ala., Alaska, Ariz., Ark., Colo., Del., D.C., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Ky., La., Maine, Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., Nev., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Va., Wash., W. Va., Wis. and Wyo. Contact: Cris Vincent at 301-951-6905 or e-mail vos.design@schinnerer.com.

Hazardous Occupation Health Insurance Market Detail: Benefits USA LLC (www.benefitsUSAonline.com) offers agents access to a guaranteed issue health insurance product for hazardous occupations. No ratings, exclusions, or declines. Issue ages of 18-64 for individuals engaged in construction, mining, logging, demolition, law enforcement, marine, salvage, chemicals.

Available Limits: As needed.

Carriers: Not provided. “A” rated by A.M. Best or better. Admitted.

Bringing Market Seekers and Market Providers Together • Find markets in our database • Promote your markets on our site • Join our community forums • Membership is free!

States: Ala., Alaska, Ariz., Ark., Calif., Colo., Del., D.C., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Md., Mass., Mich., Minn., Miss., Mo., Mont., Neb., N.H., N.J., N.C., N.D., Ohio, Okla., Pa., R.I., S.C., S.D., Tenn., Texas and W. Va. Contact: Mark Swanson at 612-310-8559 or e-mail mswan71418@aol.com.

Dealers Open Lot Market Detail: Edward E. Hall and Co. (www.eehall.com) offers dealers open lot coverage (a.k.a. floorplan) physical damage coverage for franchised and non-franchised auto, truck, RV, motorcycle and equipment dealers. Minimum premiums begin at $2,300 and deductibles start at $500.

Available Limits: Starting at $50,000.

N16 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Carriers: Unable to disclose. “A” rated by A.M. Best. Admitted and non-admitted.

States: All. Contact: Daniel Marzouk at 631-547-6003 or e-mail dmarzouk@edwardehall.com.

Commercial Construction Liability Market Detail: Insurance Specialty Group (www.insurancespecialtygroup.com) presents PrimeSTARR, an ISO-based commercial construction general liability coverage targeting middle market commercial general contractors and trade contractors in the $10 million to $75 million revenue range.

Desired contractor classes include: infrastructure construction, street and road improvement contractors, institutional construction, commercial building construction and municipal revitalization projects.

Minimum premiums begin at $50,000 and deductibles start at $5,000.

Available Limits: $1 million to $2 million.

Carriers: Starr Indemnity and Liability Company. “A” rated by A.M. Best. Admitted.

States: Ariz., Ark., Del., Idaho, Ill., Iowa, Kan., Ky., Maine, Mich., Mo., Neb., Nev., N.M., N.Y., N.D., Ohio, Pa., S.D., Tenn., Utah, W. Va., Wis. and Wyo. Contact: Gary Ricker at 646-367-5150 or e-mail gricker@insurancespecialtygroup.com.

Records Storage Legal Liability Market Detail: Oswald Logistics (www.oswaldlogistics.com) introduces coverage specifically designed for the record and information management services industry (RIMSI). Coverage includes warehouse legal liability and protection for the gross income and extra expense exposure unique to the RIMSI industry. Minimum premiums begin at $1,000 and deductibles start at $25,000.

Available Limits: Up to $1 million.

Carriers: Max Specialty Insurance Co. “A-” rated by A.M, Best. Admitted and nonadmitted.

States: All except Alaska and Neb. Contact: Bryan Ice at 440-625-1445 or e-mail b3@oswaldcompanies.com. www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Alcohol and Drug Rehabilitation Centers Market Detail: Irwin Siegel Agency (www.siegelagency.com) provides access to a unique and comprehensive insurance and risk management solutions tailored to the risks in the social service field. Program co verage features include: general and professional liability, abuse coverage, property, inland marine and crime, commercial auto, workersâ&#x20AC;&#x2122; compensation, umbrella and the availability of many enhancements.

Available Limits: As needed.

Carriers: Not disclosed. â&#x20AC;&#x153;Aâ&#x20AC;? rated by A.M. Best. Admitted.

States: All. Contact: Brad Rutledge at 800-622-8272 or e-mail brad.rutledge@siegelagency.com.

Specialty Equipment Rental General Liability Program Market Detail: Trade Group Insurance

Page 17

Specialties Inc. (www.tradegroupins.com) created and is the exclusive underwriter for the FLOW Rental Program. FLOW provides general liability protection for the insurance needs of specialty rental trades such as traffic control and barricades, portable toilet, temporary power and fencing, and water pump and flow diversion. Minimum premiums begin at $10,000.

Available Limits: As needed.

Carriers: Unable to disclose. â&#x20AC;&#x153;Aâ&#x20AC;? rated by A.M. Best. Non-admitted.

States: All except New York.

Contact: Michael Bell at 866-366-7938 or e-mail mbell@tradegroupins.com.

Large Commercial Umbrella Market Detail: Northern Star Insurance Agency LLC (www.northernstarins.com) can offer certain classes of commercial insureds umbrella and excess coverage with limits up to $100 million. Northern Star spe-

cializes in community associations, real estate, hospitality, public entities, restaurants, museums and cultural centers, auto dealers, contractors, distributors, manufacturers, retailers, service organizations and many other market segments. Minimum premiums begin at $500.

Available Limits: $1 million to $100 million.

Carriers: Unable to disclose. â&#x20AC;&#x153;A-â&#x20AC;? or better as rated by A.M. Best. Admitted and nonadmitted.

States: Ala., Alaska, Ariz., Ark., Calif., Colo., Conn., Del., Ga., Ill., Ind., Md., Miss., Mo., Neb., Nev., N.J., N.M., N.Y., N.C., Ore., Pa., R.I., S.C., Tenn., Texas, Utah, Va. and Wis. Contact: Eric Magee at 714-938-0015 or e-mail emagee@northernstarins.com. IJ Submit your companyâ&#x20AC;&#x2122;s property/casualty markets to the industryâ&#x20AC;&#x2122;s leading searchable database at www.mynewmarkets.com.

FREE ADMISSION TO RETAIL AGENTS Find New Markets!

Free Lunch! Stop by on Your Lunch Break.

All you need to do is register.

"U UIF .Z/FX.BSLFUT DPN &YDIBOHF ZPV BSF UIF NBJO FWFOU &BDI .BSLFU FYIJCJUPS JT FRVJQQFE XJUI B iUSBEJOH EFTLw DPOTJTUJOH PG B DPNQVUFS IJHI TQFFE JOUFSOFU BDDFTT B UBCMF BOE GPVS DIBJST BOE TQFOET BT NVDI BT UP NJOVUFT NFFUJOH XJUI QSPTQFDUJWF DMJFOUT BT UIFZ DPNF UISPVHI UIF iUSBEJOH øPPSw BSFB

San Diego Exchange 4FQUFNCFS BN QN )PMJEBZ *OO .JTTJPO 7BMMFZ 4UBEJVN .VSQIZ $BOZPO 3E 4BO %JFHP $"

Sacramento Exchange 4FQUFNCFS BN QN 3BEJTTPO )PUFM 4BDSBNFOUP -FJTVSF -BOF 4BDSBNFOUP $"

Sponsorships are limited. Call 800.897.9965 ext. 148 San Diego Sponsors:

Sacramento Sponsors:

t t t t t

t t t t t t

4VQFSJPS "DDFTT *OTVSBODF 5IF .D(PXBO $PNQBOJFT $FOUVSZ /BUJPOBM *OTVSBODF $PNQBOZ 5BOHSBN *OTVSBODF 4FSWJDFT "VUPNPUJWF 3JTL .BOBHFNFOU *OTVSBODF 4FSWJDFT *OD

4VQFSJPS "DDFTT *OTVSBODF $FOUVSZ /BUJPOBM *OTVSBODF $PNQBOZ 5BOHSBN *OTVSBODF 4FSWJDFT #SJUU 1BVML *OTVSBODF "HFODZ *OD 1BDJĂśD (BUFXBZ *OTVSBODF "HFODZ "VUPNPUJWF 3JTL .BOBHFNFOU *OTVSBODF 4FSWJDFT *OD

3FHJTUFS UPEBZ BU XXX NZOFXNBSLFUT DPN FYDIBOHF www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N17

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 18

Idea Exchange Minding Your Business

What is your USP? Become Outstanding Through Unique Selling Propositions

By Bill Schoeffler and Catherine Oak

Oak

Y

uct they will buy and from whom. Determine what is the “value” they are looking for when buying insurance.

Brainstorm with everyone possible. Most importantly, talk to customers and prospects. Sometimes, the “real” reason a customer buys is not obvious, even to them.

ou might have heard the saying, “Differentiate or die.” In the highly competitive world of insurance sales, the two primary ways insurance is sold is on relationships and price. To have long-term success in the marketplace you have to be unique and fill a special niche. What makes you more unique, more valuable, and more visible in the market?

To be as compelling or persuasive as possible requires that you know your agency’s USP — Unique Selling Proposition (or Position). This requires some hard soul-searching combined with a spark of creativity and insight. Charles Revlon, founder of Revlon, would say he sold hope, not makeup. Neiman Marcus sells luxury, while Wal-Mart sells bargains.

We have developed a 10-step process to create your own USP. You can download a copy of your own worksheet from our Web site at www.oakandassociates.com under the download section.

Step 1: What Are Customers Buying ?

Too often, entrepreneurs fall in love with their product or service and forget that it is the customer’s needs, not their own, that they must satisfy. Make sure what you are offering is something that really matters to potential customers.

Take a good look at your book of business and compare it to what your clients are buying. If you don’t have what your customers need, your competitors will.

Step 2: Why Are Customers Buying It? Know what motivates your customers’ behavior and buying decisions. Effective marketing requires you to be an amateur psychologist. Remember, price is never the only reason people buy. The answer might be high quality service, convenience of doing business, a firm’s rock solid reputation, etc.

Look at the criteria customers use to decide w hich prodN18 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Schoeffler

Step 3: Rank Yourself and Your Competitors by These Criteria Next, identify your top competitors and rank them and your agency against the list generated in the previous step.

Be honest in the assessment. Score y ourself and each of your competitors on each of the values or needs. If possible, base your scores on objective data. Where you can’t, do your best to see things from a customer’ s perspective and make your best guess.

Plot these points on a graph to see a differentiation of the strengths and weaknesses between you and your competitors. This helps uncover the real reasons why customers buy insurance from your agency instead of a competitor’s.

Step 4: Solve an Industry Pain or Performance Gap Think outside the box. Move beyond the basics that are common to what all other agencies provide. Identify which needs or “gaps” are going unfulfilled right now. This is sometimes termed a “performance gap.” Businesses can be very successful if they base their USP on a performance g ap.

For example, Dominos Pizza’s USP of “Pizza delivered in 30 minutes or it’s free” helped them become wildly successful.

When the kids are hungry and can’t Know what wait an hour, the parents call Domino’s who delivered on their motivates your USP (and a pizza).

customers’

Step 5: Define Your USP behavior and Once you’ve gone through this buying process, you need to take the next step. Start with a clean sheet and decisions. clear your mind of any preconceived ideas about your agency. This is the time to be brutally honest.

What is your USP and how can you position your business to highlight your USP? Successful business ownership is not about having a unique product or service; it’s about making your product continued on page N20 www.insurancejournal.com

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 19

BR AINS & BRAWN SINCE 1992 WESTROPE HAS PLACED BILLIONS WITH MAJOR CARRIERS IN T H E U . S . A N D G L O B A L M A R K E T S I N T H E B E L I E F T H AT T H E W O R L D N E E D S THE BEST WHOLESALE INSURANCE SOLUTIONS.

PROPERT Y | CASUALT Y | TRANSPORTATION | CONSTRUCTION | HEALTHCARE AGRIBUSINESS | EXECUTIVE & PROFESSIONAL LIABILITY | LIFE SCIENCES BINDING AUTHORIT Y | WORKERS’ COMP | CLAIMS SERVICES

WESTROPE.COM

ENSURING INSURANCE

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 20

Idea Exchange Minding Your Business USP, continued from page N18

stand out, even in a market filled with the same thing. What is your competitive edge?

Step 6: Condense Into One Clear and Concise Sentence When crafting your USP, it must be simple, believable and easy to communicate.

Take all the details from the steps a bove and sculpt them into one clear and concise sentence with compelling salesmanship fused into every single word.

Federal Express (FedEx) dominated the package shipping industry with their famous USP: “Federal Express: When it absolutely, positively has to be there overnight.”

Step 7: Be Specific and Of fer Proof Consumers are skeptical of advertising claims companies make. Stop the objection before it starts. Answer their skepticism by being specific and offering proof when possible. Get testimonials about how great you are and why your customers are not just

satisfied, but advocates.

Step 8: Bullet Proof Your USP Make sure you can defend your USP. You can be sure that, your competitors will do what ever they can to neutralize it. Your USP will also need to be updated on a regular basis. The core element does not need to change, but how it is presented should be revised from time-to-time. This way, your competitors will struggle to keep up.

Step 9: Integrate Your USP Into Your Business Variations of your USP should be included in all your marketing materials such as your advertising, business cards, brochures, letterhead, Web site, etc. Make sure to work with producers so it is also part of their presentations, “elevator pitch,” phone calls, and sales scripts and proposals.

Step 10: Deliver On Your USP’s Promise

N20 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

You need to “walk the talk.” Be bold when developing your USP, but be careful to ensure that you can deliver.

In the beginning, it was a challenge for Federal Express to absolutely, positively deliver overnight, but they developed the system that allowed them to deliver the promise consistently.

Conclusion In today’s competitive market, your business cannot thrive if you are using the same old “me too” marketing that everyone else is using. Your USP is the force that driv es your business and success. The ultimate goal of your USP and marketing is to have people say to you, “Oh, yes I’ve heard of you.

You’re the company who ...” IJ Schoeffler and Oak are partners at the international consulting firm Oak & Associates, providing services for mergers, acquisitions, management and financial consulting.

Contact: 707-935-6565. E-mail at bill@oakandassociates.com.

Web site: www.oakandassociates.com.

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Welcome to Insurance Journal’s 18th Annual Program Directory, Volume I. Information contained in this 2009 directory has been compiled by Insurance Journal’s staff as a resource for readers. For purposes of this directory, a program is defined as “a group of coverages designed specifically for any given risk or class of business.”

IJ’s Program Directory, as well as IJ’s E&S Directory and Workers’ Comp Directory, are also available online. Brokers and insurance companies are invited to submit and maintain up to 10 free market listings for the Program Directory.

Brokers and insurers continually update market listings year-round. Insurance Journal is not responsible for inaccurate information submitted by respondents.

To list a market online free of charge, visit www.insurancejournal.com/directories. Step-by-step instructions guide users through the listing process. To be listed in the print version of IJ’s Program Directory, please send an e-mail to: khoney@insurancejournal.com.

Above & Underground Mining Co’s ® Casualty & Surety, Inc. Coverages CGL, Equipment, Excess Liab, Inland Marine, Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted StatesAll States ® Crump Insurance Services, Inc. (Portland) Coverages GL, Pollution Liab Carrier StatusNon-admitted States All States ® OnPoint Underwriting Coverages Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States

® The Managing Agency Group Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

Accountants/CPAs

® AVRECO Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® American Management Corporation Coverages Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States Most States

® CAMICO Mutual Insurance Company Coverages EPLI, Professional Liab States Most States

® Apex Insurance Services Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States ® Beacon Hill Associates, Inc. Coverages CGL, E&O, Pollution States Most States ® Bonding and Insurance Specialists Agency, Inc. Coverages Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States ® Chamber Insurance Agency Services Coverages Environmental Liab, Pollution Liab Carrier Status Admitted States Most States ® Environmental Insurance Agency (EIA) Coverages Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States Most States ® Freberg Environmental, Inc. Coverages Environmental Liab, Pollution Carrier Status Non-admitted States All States ® Metcom Excess Coverages Business Interruption, Pollution C arrier Status Non-admitted States PA, NY, NJ ® PartnerOne Environmental Coverages Pollution, Pollution Liab Carrier Status Admitted States All States ® Russell Bond & Co., Inc. Coverages Abuse & Molestation, Addiction Treatment, Assault & Battery, Environmental Liab, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Target Marketing Ins. Services, Inc. Coverages Auto Comm-Standard, CGL, Environmental Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL

www.insurancejournal.com

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, Developmental Disabilities, Excess Liab, GL, Inland Marine, Medical & Physical Rehab, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States

Above & Underground Storage Tank Owners

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

Addiction Treatment Facilities ® AIRisk (formerly listed as AIG Programs) Coverages Abuse & Molestation, D&O, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States All States

® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States ® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

® Crump Insurance Services, Inc. (Louisiana) Coverages D&O, E&O, EPLI, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Herbert H. Landy Insurance Coverages D&O, Professional Liab Carrier Status Admitted States All States ® Insight Insurance Services, Inc. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Jorgensen & Company Coverages EPLI, Professional Liab Carrier Status Admitted States All States ® King Insurance Support Systems Coverages Professional Liab Carrier Status Non-admitted States Most States

® Quaker Special Risk (Florida) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (Mass.)

Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Liberty International Underwriters Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Monitor Liability Managers, LLC Coverages E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (New York) Coverages Abuse & Molestation, CGL, EPLI, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Norman-Spencer International, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States

Adoption Agencies ® AIRisk (formerly listed as AIG Programs) Coverages Abuse & Molestation, D&O, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States All States

® Philadelphia Insurance Companies Coverages BOP, E&O, Identity Theft Carrier Status Admitted States Most States ® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Medical Payments, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Tax Audit, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® U.S. Risk Insurance Group, Inc. Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Boiler & Machinery, Business Income, Business Interruption, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

Adult Care Facilities ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, Employee Benefits, Inland Marine, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N21

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® Anderson & Murison, Inc. Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA

® Aon Association Services

Coverages Auto Comm-Standard Liability, D&O, Employee Benefits,

® Chopra Insurance Brokerage, Inc. Coverages CGL, Property Carrier Status Non-admitted States Most States

® Francis L. Dean & Associates, Inc.

Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® USG Insurance Services, Inc. Coverages Assault & Battery, Business Income, Business Interruption, CGL, Commercial Excess, Property Carrier Status Admitted, Non-admitted States All States

Agribusinesses

Equipment Breakdown, Excess Liab, GL, Personal Property, Property Carrier Status Admitted, Non-admitted States Most States

® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States

® Bunker Hill Insurance Agency Coverages Misc Professional Liab, Non-Profit D&O, Professional Liab, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

® Abram Interstate Insurance Services, Inc. Coverages Care/Custody/Control, Horse Mortality, Medical, Tools & Equip, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States NV, CA, AZ

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Agricultural Insurance Mgmt Svcs.

Coverages Auto Comm-Standard Liability, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

® Casualty & Surety, Inc. Coverages GL, Professional Liab States Most States ® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Irwin Siegel Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Medical & Physical Rehab, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® M.J. Hall & Company, Inc.

Coverages Business Income, CGL, Difference in Conditions, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Legal Expense Ins, Non-Trucking Auto Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® THOMCO Coverages Auto Comm-Standard, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® USX/S Coverages Abuse & Molestation, CGL, Commercial Excess, EPLI, Identity Theft, Medical Malpractice, Pollution Liab, Property Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. Coverages Abuse & Molestation, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Umbrella Carrier Status Admitted, Non-admitted States All States

Adult Clubs ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States ® Britt/Paulk Insurance Agency, Inc. Coverages Business Income, Business Interruption, Catastrophe, Commercial Excess, Crime, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, Excess Liab, GL, Hail, Inland Marine, Liability, Mechanical Breakdown, Motor Truck Cargo, Pollution, Pollution Liab, Property, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Crump Insurance Services, Inc. (Seattle) Coverages GL, Livestock/Animal Mortality, Property Carrier Status Admitted, Non-admitted States WA, OR, MT, ID ® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States ® OnPoint Underwriting Coverages Contractors Equip, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States

® Global Aerospace Coverages CGL, Completed Operations Liab, Fire Legal Liab, Garage Keepers Legal Liab, Medical Payments, Products Liab Carrier Status Admitted States All States ® HULL & Company, Inc. - Fort Lauderdale Coverages GL, Hull, Physical Damage Carrier Status Non-admitted States All States

Alarm Monitoring Companies ® Brownyard Group Coverages GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Excess Liab, Lost Key, Professional Liab, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Alcohol & Substance Abuse Treatment Centers ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, Employee Benefits, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States WA, VA, TX, PA, OH, NY, NV, NM, NJ, MI, MD, IL, GA, FL, CA ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® American Underwriting Managers Coverages GL, Professional Liab Carrier Status Non-admitted States TX, NM, LA, AR ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Wildlife Insurance Underwriters, LLC Coverages Builders Risk, CGL, Commercial Marine, Fire, Flood, GL, Liability, Livestock/Animal Mortality, Medical, Mortality, Property Carrier Status Non-admitted States All States

® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

® Winery Pak Insurance Programs Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States Most States

® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States

Aircraft Manufacturers ® Global Aerospace Coverages Completed Operations Liab, Products Liab Carrier Status Admitted States All States

Aircraft Repair/Service ® Britt/Paulk Insurance Agency, Inc. Coverages Builders Risk, CGL, Environmental Liab, Equipment, Equipment Breakdown, Excess Liab, GL, Hull, Inland Marine, Pollution Liab, Portable Equip, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Global Aerospace Coverages CGL, Completed Operations Liab, Fire Legal Liab, Garage Keepers Legal Liab, Medical Payments, Products Liab Carrier Status Admitted States All States ® Wildlife Insurance Underwriters, LLC Coverages Accident & Health, Accidental Death, Auto Pers-Standard, Flood, GL, Hull, Liability, Medical, Property Carrier Status Non-admitted States All States

Airlines ® Global Aerospace Coverages Hull, Legal Liab, Medical Payments Carrier Status Admitted States All States

Airport Owners & Operators ® Britt/Paulk Insurance Agency, Inc.

Coverages Cargo, CGL, Contractors Equip, E&O, EPLI, Equipment, Equipment Breakdown, Excess Liab, GL, Hull, Inland Marine, Liability, Mechanical Breakdown, Motor Truck Cargo, Nonowned & Hired Auto, Pollution, Pollution Liab, Portable Equip, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

N22 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States ® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States ® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommNonstandard, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Community/Social Svcs, Crime, D&O, Developmental Disabilities, E&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto PersStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Legal Expense Ins, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Smith, Bell & Thompson Coverages Abuse & Molestation, CGL, Crime, D&O, Employee Benefits, Nonowned & Hired Auto, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Amateur Sports Associations

Amusement Parks ® Crump Insurance Services, Inc. (Dallas) Coverages Auto Comm-Standard, Liability, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Crump Insurance Services, Inc. (Dallas) Coverages Liability, Property Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Louisiana) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

® Bollinger, Inc. Coverages Accident & Health, CGL, Excess Liab Carrier Status Admitted States All States

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

® Crump Insurance Services, Inc. (Memphis) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

Antique/Classic Car Collections

® Crump Insurance Services, Inc. (New York) Coverages Liability, Property Carrier Status Admitted, Non-admitted States All States

® Gales Creek Insurance Services Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States ® K & K Insurance Group, Inc. Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Crime, D&O, Equipment, Equipment Breakdown, Inland Marine, Participant Accident, Property, Umbrella Carrier Status Admitted States Most States ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Legal Expense Ins, NonProfit D&O, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Uninsured Motorists Carrier Status Admitted States Most States ® RLI Specialty Programs Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States

Ambulance Service ® Crump Insurance Services, Inc. (Dallas) Coverages Auto Comm-Standard, EPLI, Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Memphis) Coverages Auto Comm-Standard, EPLI, Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Nashville) Coverages Auto Comm-Standard Liability, EPLI, Excess Liab, Liability, Physical Damage, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (New York) Coverages Auto Comm-Standard Liability, EPLI, Excess Liab, Liability, Physical Damage, Umbrella Carrier Status Admitted, Non-admitted States Most States ® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States Most States ® Norman-Spencer International, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Emergency Towing & Service, Equipment Breakdown, GL, Liability, Professional Liab, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® PGI Commercial, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® THOMCO Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Excess Liab, Inland Marine, Liability, Professional Liab, Property, Uninsured Motorists Carrier Status Admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

www.insurancejournal.com

® American Collectors Insurance, Inc. Coverages Liability, Physical Damage, Uninsured Motorists Carrier Status Admitted States Most States ® Hagerty Insurance Agency, Inc. Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States Most States

® Crump Insurance Services, Inc. (Portland) Coverages GL, Property Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Seattle) Coverages GL, Property Carrier Status Admitted, Non-admitted States WA, OR, ID

® Insurance Center Special Risks Ltd Coverages Emergency Towing & Service, Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States VT, RI, NY, NH, ME, MA, CT

® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

® J.L. von Arx & Associates Coverages Auto Comm-Nonstandard Phys Dmg, Garage Liability Carrier Status Admitted, Non-admitted States CA, AZ

® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages Business Income, GL, Property Carrier Status Non-admitted States All States

® Philadelphia Insurance Companies Coverages Completed Operations Liab, Garage Liability, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages Business Income, GL, Property Carrier Status Non-admitted States All States

Apartment Building Owners

® HULL & Company, Inc. - Dallas Coverages CGL, GL, Property Carrier Status Non-admitted States TX

® 4 All Insurance Services Coverages Builders Risk, CGL, COC, Commercial Excess, D&O, Earthquake, EPLI, Fiduciary Liab, Flood, GL, Pollution, Property, Renters Insurance, Residential Property Carrier Status Admitted, Non-admitted States WA, VA, TX, OR, NY, NV, FL, CA, AZ ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® Abram Interstate Insurance Services, Inc. Coverages Crime, Liability Carrier Status Admitted, Non-admitted States AZ

® Dunfield Wholesale Insurance, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® HULL & Company, Inc. - Denver Coverages CGL, Property, Umbrella Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Fort Lauderdale Coverages Boiler & Machinery, CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Great Falls Coverages CGL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Honolulu Coverages CGL, Property Carrier Status Non-admitted States HI

® Advanced E&S Insurance Underwriters Coverages Apartment House Package, Boiler & Machinery, Business Income, CGL, Excess Liab, Fire, GL, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, FL, CT, OH, WI

® HULL & Company, Inc. - Horsham Coverages Business Income, GL, Property Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Kalispell Coverages CGL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - New Orleans Coverages CGL, Property Carrier Status Non-admitted States LA, MS

® AFG Partners Coverages Commercial Excess, Property, Residential Property Carrier Status Admitted, Non-admitted States All States

® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA

® Agency Intermediaries, Inc. Coverages CGL, Real & Business Personal Prop Carrier Status Non-admitted States MA, CT

® HULL & Company, Inc. - Tampa Bay Coverages CGL, Property Carrier Status Non-admitted States FL

® American Underwriting Managers Coverages Business Income, CGL, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR

® ICAT

Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® iii of Maryland, Inc. Coverages Apartment House Package, Assault & Battery, Business Income, CGL, Environmental Liab, Equipment Breakdown, Excess Flood, Excess Liab, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States VA, MD, DE

® Anderson & Murison, Inc. Coverages Apartment House Package, Earthquake Carrier Status Non-admitted States CA

® Independent Brokers & Agents of the West (IBA West) Coverages Apartment House Package, Umbrella Carrier Status Admitted, Non-admitted States CA

® Appleby & Sterling Coverages Boiler & Machinery, Earthquake, GL, Property Carrier Status Admitted States CA, AZ, NV ® Braishfield Associates, Inc. Coverages Apartment House Package, Assault & Battery, Boiler & Machinery, Business Income, EPLI, Fidelity, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Brecht & Associates Coverages Apartment House Package, CGL, GL, Property, Umbrella Carrier Status Non-admitted States TX

® Insurance Innovators, Inc. Coverages Abuse & Molestation, Apartment House Package, Assault & Battery, Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, EPLI, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Non-admitted States PA, NJ, MD, DE ® J.L. von Arx & Associates Coverages Apartment House Package, Excess Liab, Fire, GL, Pool & Spa Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, COC, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® McClelland and Hine, Inc. Coverages Apartment House Package, Fire, Liability, Umbrella Carrier Status Non-admitted States TX

® Chopra Insurance Brokerage, Inc. Coverages CGL, EPLI, Property Carrier Status Non-admitted States UT, SD, ID, HI, CO, CA, AZ ® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States

® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N23

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Metcom Excess Coverages Apartment House Package, Umbrella Carrier Status Non-admitted States NJ ® Metro Insurance Services, Inc. Coverages Apartment House Package, Business Interruption, Crime, Employee Benefits, Equipment Breakdown, Excess Flood, Garage Keepers Legal Liab Carrier Status Admitted, Non-admitted States Most States ® Monarch E&S Insurance Services Coverages GL, Property Carrier Status Admitted States CA ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Legal Expense Ins, Professional Liab, Tenant Discrimination Carrier Status Non-admitted States Most States ® National Advantage Insurance Services, Inc. Coverages Liability, Property Carrier Status Admitted, Non-admitted States TX, OR, CA, AZ ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Apartment House Package, Difference in Conditions, Excess Liab, Fire, Flood, Liability, Loss of Use, Tenant Discrimination Carrier Status Admitted, Non-admitted States NV, CA, AZ

® Northern Ohio E & S Agency, Inc. Coverages Business Income, Commercial Excess, Completed Operations Liab, Liability, Medical Payments, New Occurrence, Property Carrier Status Non-admitted States OH

® Ron Rothert Insurance Coverages Apartment House Package, Business Income, GL, Medical Payments, Property, Umbrella Carrier Status Non-admitted States WA, OR, ID

® Northern States Agency Coverages Apartment House Package, Builders Risk, Business Income, CGL, Commercial Excess Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX

® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Equipment Breakdown, GL, Property Carrier Status Admitted, Non-admitted States CA, NV ® PGI Commercial, LLC Coverages Apartment House Package, Crime, Equipment Breakdown, GL, Nonowned & Hired Auto, Property Carrier Status Admitted, Non-admitted States WI, WA, UT, TX, PA, OR, OH, NY, NV, NM, NJ, MI, MD, IN, IL, ID, CO, CA, AZ

® Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States

TM

Thinking. Ahead.

® Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States NV, CA, AZ ® Superior Access Insurance Services Coverages Apartment House Package, Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted States All States ® TAPCO Underwriters, Inc. Coverages GL, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® The Distinguished Programs Group Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® UCA General Insurance Coverages Business Income, CGL, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ ® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA ® USX/S

Coverages Builders Risk, CGL, Identity Theft, Pollution, Property, Tenant Discrimination, Umbrella Carrier Status Admitted, Non-admitted S tates All States

® Vulcan Excess & Surplus Insurance Coverages Equipment Breakdown, Excess Liab, GL, Glass, Property, Tenant Discrimination Carrier Status Non-admitted States CA

PROTECTION FOR THE FUEL INDUSTRY Petroleum Jobbers Propane Retail & Wholesale Home Heating Oil Distribution Used Oil Haulers Common & Contract Carriers

Coverages: Business Property Business Auto General Liability Workers’ Compensation Umbrella and many more!

J J J J J J

® Western Security Surplus Insurance Brokers, Inc. Coverages Apartment House Package, Assault & Battery, CGL, Earthquake, Excess Liab, Fire, Fire Legal Liab, GL, Medical Payments, New Occurrence, Umbrella Carrier Status Non-admitted States TX, CA ® Westrope Coverages Assault & Battery, Builders Risk, Business Interruption, Catastrophe, CGL, Difference in Conditions, Earthquake, Fire, Flood, Liability, Property, Real & Business Personal Prop, Umbrella, Windstorm Carrier Status Admitted, Non-admitted States All States ® Westrope Insurance Managers of Florida, LLC Coverages GL, Property Carrier Status Non-admitted S tates TX, NC, GA, FL ® Yates & Associates Ins. Services Coverages CGL, Difference in Conditions, Property Carrier Status Non-admitted States CA

Appraisers ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Herbert H. Landy Insurance Coverages E&O, Professional Liab Carrier Status Admitted States Most States ® Intercorp, Inc. Coverages BOP, E&O Carrier Status Non-admitted States All States

Arborists/Tree Services ® Insurance Innovators of New Jersey, Inc. Coverages CGL, Contractors Equip, EPLI, Liability, Umbrella Carrier Status Non-admitted States NY, NJ ® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Non-admitted States WA, UT, OR, NV, CA, AZ ® NIP Group, LLC Coverages Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, EPLI, Herbicide & Pesticide, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Architects & Engineers

Call us at 800-233-2398 or visit us on the web at amcinsurance.com.

N24 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® Access E&S Insurance Services (CA) Coverages GL, Professional Liab Carrier Status Admitted, Non-admitted States NY, NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, WA, DC

www.insurancejournal.com

IN THE INSURANCE BUSINESS,

DOORS DON’T OPEN

AUTOMATICALLY.

WE JUST MAKE IT SEEM THAT WAY. At The Hanover, we’ve become so adept and prolific at creating opportunities for our winning agents that the process may appear to be automatic. It’s not. We do it by maintaining a totally plugged in local presence. And by giving partner agents immediate access to local experts empowered to make decisions that directly impact agent success.

At the same time, we leverage our considerable clout to offer a unique product mix — one that’s broader and more relevant to our agents than those other regional companies provide.

It’s action like this that has enabled The Hanover to remain stable and profitable even during times of economic crisis.

Not to mention, we are the only significant financial services company to be upgraded by A.M. Best, Moody’s and Standard & Poor’s over the past 16 months.

Today, our financial strength is allowing us to aggressively pursue an innovative 5-year development agenda, which includes: UÊÊ Ê > Vi`Ê- >

iÀV > Ê* >Ìv À UÊÊ Ý«> `i`Ê `ÕÃÌÀÞ > `Ê V iÊ >À iÌà UÊÊ Ý«> `i`Ê*À viÃà > >L ÌÞ >«>L Ì ià UÊÊ Ý«> `i`Ê-«iV > ÌÞ

>«>L Ì ià UÊÊ À Ûi- >ÀÌÊ `Û> Ì>}i UÊÊ Ê `i Ì ÌÞÊ Ìi}À ÌÞ

To learn more, contact your Regional Vice President, or visit us at yourbestpartner.hanover.com

THE HANOVER. AN AGENT FOR OPPORTUNITY. AN OPPORTUNITY FOR AGENTS. Policies are underwritten by The Hanover Insurance Company and its property and casualty insurance company affiliates.

The Hanover Insurance Group with Eagle icon is a registered trademark of The Hanover Insurance Group, Inc. LC 09-112

*À }À> UÊÊ/ Ì> Ê ÕÃi `Ê,iÜ>À`Ã

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Access E&S Insurance Services (VA) Coverages Environmental Liab, Excess Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ

® Insight Insurance Services, Inc. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® AIRisk (formerly listed as AIG Programs) Coverages E&O, EPLI Carrier Status Non-admitted States All States

® Ins. Innovators Agency Of New England (Hopedale) Coverages BOP, D&O, E&O, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX

® Jorgensen & Company Coverages EPLI, Professional Liab Carrier Status Admitted States All States

® Arrowhead General Insurance Agency, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States ® AVRECO Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States ® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, E&O, EPLI, Fiduciary Liab, Professional Liab States Most States ® Colemont Insurance Brokers - Atlanta Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Hartford Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages CGL, D&O, E&O, Environmental Liab, EPLI, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® CRES Insurance Services, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® Crump Insurance Services, Inc. (Louisiana) Coverages CGL, D&O, E&O, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Seattle) Coverages E&O, EPLI Carrier Status Admitted, Non-admitted States WA, OR, ID ® Euclid Managers Coverages Legal Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Fox Point Programs Coverages D&O, E&O, Identity Theft Carrier Status Non-admitted States Most States ® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States ® Gresham & Associates, Inc. - Corporate Office Coverages CGL, E&O, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Fort Lauderdale Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States FL ® III Special Risk, Inc. Coverages Excess Liab, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN

® King Insurance Support Systems Coverages Professional Liab Carrier Status Non-admitted States Most States

® M.J. Hall & Company, Inc.

Coverages CGL, E&O, EPLI, Excess Liab, Property Carrier Status Non-admitted States AK, AZ, CA, NV

® Cambridge Alliance Coverages E&O Carrier Status Non-admitted States All States

Assisted Living Centers ® American Safety Insurance Services, Inc. Coverages CGL, GL Carrier Status Non-admitted States Most States ® American Underwriting Managers Coverages GL, Professional Liab Carrier Status Non-admitted States TX, NM, LA, AR

® Aon Association Services

Coverages Auto Comm-Standard Liability, D&O, Employee Benefits, Equipment Breakdown, Excess Liab, GL, Personal Property, Property Carrier Status Admitted, Non-admitted States Most States

® Monitor Liability Managers, LLC Coverages EPLI Carrier Status Admitted, Non-admitted States All States

® AVRECO Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Excess Liab, Professional Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ

® Bass Underwriters Coverages GL, Professional Liab, Property Carrier Status Non-admitted States FL

® PGI Commercial, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States

® Bunker Hill Insurance Agency Coverages Abuse & Molestation, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Excess Liab, Pollution Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States

® Casualty & Surety, Inc. Coverages CGL, GL, Professional Liab Carrier Status Non-admitted States All States

® Quaker Special Risk (Florida) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Evolution Insurance Brokers Coverages Abuse & Molestation, Fire, Legal Liab, Liability, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

® Gridiron Insurance Underwriters, Inc. Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States AL, CO, GA, KY, MI, MN, MO, NC, PA, SC, TN

® Quaker Special Risk (Mass.)

Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Health Care Insurers, Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

® Quaker Special Risk (New Jersey) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Quaker Special Risk (New York) Coverages Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Medical Payments, Nonowned & Hired Auto, Personal Property, Pollution, Pollution Liab, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® USAssure Insurance Services, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States ® Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, BOP, CGL, D&O, E&O, EPLI, Fiduciary Liab, GL, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Armored Car Services ® Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Umbrella Carrier Status Non-admitted States All States ® CoverX Corporation Coverages Excess Liab, GL, Professional Liab, Umbrella Carrier Status Non-admitted States Most States ® Great American Insurance Group Coverages Fidelity, Kidnap/Ransom, Theft Carrier Status Admitted States All States

® The Mechanic Group, Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Fidelity Bonds, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Art and/or Antique Gallery ® Van Wagoner Companies, Inc. Coverages BOP, Cargo, CGL, Fire, GL, Inland Marine, Theft, Tools & Equip Carrier Status Non-admitted States All States

Asset Managers

® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® Lewis & Clark LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, GL, Professional Liab, Property Carrier Status Non-admitted States Most States ® Northern Ohio E & S Agency, Inc. Coverages Abuse & Molestation, Business Income, CGL, Fire, Fire Legal Liab, Medical Payments, Property Carrier Status Admitted States OH ® Ponce de Leon LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Admitted States FL ® Prime Insurance Coverages Abuse & Molestation, Addiction Treatment, Medical Malpractice, Personal Liab, Property Carrier Status Admitted, Non-admitted States All States ® THOMCO Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® Worldwide Facilities, Inc. Coverages Abuse & Molestation, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Umbrella Carrier Status Admitted, Non-admitted States All States

Associations/Affinity Groups ® Aon Association Services Coverages BOP, Business Income, Crime, D&O, Event Cancellation, Excess Liab, GL, Workers’ Comp Carrier Status Admitted States Most States ® Centurion Insurance Group Coverages D&O, E&O, EPLI, Fidelity, Fiduciary Liab, Kidnap/Ransom, Umbrella Carrier Status Admitted States All States ® Chamber Insurance Agency Services Coverages Cyber Liab, D&O, E&O, Misc Professional Liab, Personal Liab Carrier Status Admitted States All States

® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States

N26 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® HCC Specialty Underwriters, Inc. (MA) Coverages Blanket Addt’l Insureds, CGL, Event Cancellation, Hole-inOne, Liability, Liquor Liab, Nonowned & Hired Auto, Weather Carrier Status Non-admitted States All States ® Intercorp, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, Environmental Liab, EPLI, Excess Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® McGowan & Company, Inc. Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States ® R.V. Nuccio & Associates, Inc. Coverages Accidental Death, CGL, Crime, EPLI, Fidelity, Inland Marine, Medical Payments, Non-Profit D&O, Weather Carrier Status Admitted States Most States

ATM Service Companies ® Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Umbrella Carrier Status Non-admitted States Most States

Attorneys ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® Centurion Insurance Group Coverages Disability, Professional Liab Carrier Status Admitted States All States ® Continental Brokers, Inc. Coverages Auto Comm-Standard, BOP, Business Interruption, Combo Personal & Commercial, EPLI, Flood, Glass, Legal Expense Ins, Legal Malpractice, Medical, Property, Umbrella Carrier Status Admitted States All States ® Lawyer’s Protector Plan Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States ® Liberty International Underwriters Coverages Professional Liab Carrier Status Admitted, Non-admitted States All States ® Norman-Spencer Agency, Inc. Coverages E&O, EPLI Carrier Status Admitted States CA ® Norman-Spencer Agency, Inc. (CA) Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States TX, NV, CA, AZ ® Rockwood Programs, Inc. Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States ® Superior Access Insurance Services Coverages Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted States All States ® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Medical Payments, Personal Umbrella, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Auctioneers ® IT Risk Managers, Inc. Coverages Care/Custody/Control, E&O, GL Carrier Status Non-admitted States All States

Auto Body Shops ® 5Star Towing & Recovery Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, GL, Inland Marine, On-Hook Cargo, Property, Uninsured Motorists Carrier Status Admitted States Most States ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® Brecht & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Cargo, Emergency Towing & Service, Garage Liability, GKLL, Motor Truck Cargo, Nonowned & Hired Auto, Property, Tools & Equip, Umbrella, Uninsured Motorists Carrier Status Non-admitted States TX

www.insurancejournal.com

® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA ® DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ ® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Medical Payments, Personal Property, Property, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® KBK Insurance Group, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Physical Damage, Property Carrier Status Admitted States Most States ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Garage Liability, GKLL, Property Carrier Status Non-admitted S tates CA, AZ, AR, AK, LA, NM, NV, OK, TX ® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV ® Target Marketing Ins. Services, Inc. Coverages EPLI, Workers’ Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL ® Yates & Associates Ins. Services Coverages Garage Liability, GKLL Carrier Status Non-admitted States CA

Auto Dealers ® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States ® 5Star DEALERsure (Auto Dealers) Program, formerly BISYS Coverages Auto Comm-Standard Liability, Dealers Open Lot, Garage Liability, GL, Inland Marine, Property Carrier Status Admitted States Most States ® 5Star Towing & Recovery Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, GL, Inland Marine, On-Hook Cargo, Property, Uninsured Motorists Carrier Status Admitted States Most States ® All Risks, Ltd. Coverages Physical Damage, Workers’ Comp Carrier Status Non-admitted States Most States ® American Safety Insurance Services, Inc. Coverages Auto Comm-Nonstandard Phys Dmg, Dealers Open Lot Carrier Status Non-admitted States Most States ® DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ ® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States ® HCC Specialty Underwriters, Inc. (MA) Coverages Hole-in-One, Prize Indemnification Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Dallas Coverages GKLL, GL Carrier Status Non-admitted States TX ® HULL & Company, Inc. - Denver Coverages Care/Custody/Control, Dealers Open Lot, GL, Property Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Kalispell Coverages Care/Custody/Control, Garage Keepers Legal Liab Carrier Status Non-admitted States ID, MT, WY

® J.L. von Arx & Associates

Coverages Business Income, Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Tools & Equip, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ

® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N27

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® MacNeill Group, Inc., CMGA Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States FL

® RSI International, Inc. (Missouri) Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, MO, OK

® Monitor Liability Managers, LLC Coverages EPLI Carrier Status Admitted, Non-admitted States All States

® Target Marketing Ins. Services, Inc. Coverages EPLI, Workers’ Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL

® N-Surance Outlets, Inc. (Florida) Coverages Dealers Open Lot, Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Uninsured Motorists Carrier Status Non-admitted States FL

® Willis HRH Programs Coverages Dealers Open Lot, Hail Carrier Status Admitted, Non-admitted States All States

® N-Surance Outlets, Inc. (Georgia) Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States LA, GA, TN ® Rockwood Programs, Inc. Coverages D&O, EPLI Carrier Status Admitted, Non-admitted States All States

Auto Dismantlers/Wrecking Yards ® G.J. Sullivan Company (Orange) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, Commercial Marine, Crime, Dealers Open Lot, Employee Benefits, Equipment, Fidelity, Fire, Garage Keepers Legal Liab, Garage Liability, GL, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, On-Hook Cargo, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States

® KBK Insurance Group, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States ® Yates & Associates Ins. Services Coverages CGL, Property Carrier Status Non-admitted States CA

Auto Repair Shops/Garages ® 5Star DEALERsure (Auto Dealers) Program, formerly BISYS Coverages Auto Comm-Standard Liability, Dealers Open Lot, Garage Liability, GL, Inland Marine, Property Carrier Status Admitted States Most States ® Abram Interstate Insurance Services, Inc. Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted, Non-admitted States NV, CA, AZ ® American Management Corporation Coverages Fire Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted, Non-admitted States Most States ® Appalachian Underwriters, Inc. Coverages Garage Keepers Legal Liab, Garage Liability, GL Carrier Status Admitted States Most States ® Bass Underwriters Coverages Dealers Open Lot, Garage Keepers Legal Liab Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® Braishfield Associates, Inc. Coverages Auto Comm-Standard, Business Income, EPLI, Garage Liability, GKLL, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Brecht & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Cargo, Commercial Excess, Garage Liability, GKLL, Inland Marine, Medical Payments, Motor Truck Cargo, Property, Tools & Equip, Umbrella, Uninsured Motorists Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Business Interruption, CGL, Dealers Open Lot, Excess Liab, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Installation Floaters, Liability, Medical Payments, Nonowned & Hired Auto, Physical Damage, Property, Theft, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Compass Insurance Group of Agencies Coverages Garage Liability, GKLL, GL, Property Carrier Status Non-admitted States CA ® DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ ® Dunfield Wholesale Insurance, Inc. Coverages Garage Liability, GKLL, GL Carrier Status Non-admitted States CA ® Gorst Co. Coverages Liability, Workers’ Comp Carrier Status Admitted, Non-admitted States CA ® Ins. Innovators Agency Of New England (W Springfield) Coverages CGL, Commercial Excess, Emergency Towing & Service, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Legal Liab, Liability, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Medical Payments, Property, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® KBK Insurance Group, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States

® M.J. Hall & Company, Inc.

Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® MacNeill Group, Inc., CMGA Coverages Excess Liab, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States FL ® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ® MarketScout Coverages Auto Comm-Standard, CGL, Property Carrier Status Admitted States All States

N28 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

The Insurance Professional’s Practical Guide to Workers’ Compensation: From History History through through Audit Audit From Author: Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA Price: $55.00 for paperback and $49.95 for a pdf download Available at: http://ijmag.com/wcbook

Key Take-Aways

1 2 3 4

Legal and contractual concepts surrounding workers’ compensation presented in simple, non-legal terms.

Provides selected statutory information for every state.

Allows the reader to understand the framework on which workers’ compensation coverage is built.

Designed to combine statutes, common law, contracts and the human element of workers’ compensation into one resource.

I've worked in the insurance industry for almost 50 years, including periods as an underwriter, educator, agent and consultant. Of all the textbooks, reference sources, etc. that I have read on the subject of WC, these articles are by far the best I have ever encountered.

Congratulations and thanks for a job well done!!

Russ Taylor Risk Management Tactix Spring, TX

"A must read for everyone wishing to truly understand workers' compensation sales. Chris's writing style makes complex issues easy to understand even for beginners. This book should be the standard for our industry."

Chris Burand President – Burand & Associates, LLC www.burand-associates.com Excellent book - even for those of us whose primary occupation is not in the insurance industry. This book explains insurance terminology in a way that anyone can understand. I may not understand all of the finer points of worker's compensation, but I now know what questions I need to ask!

Ricky Horton, CMA Vice-President of Finance McCombs Steel Company, Inc

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ÂŽ McClelland and Hine, Inc. Coverages Fire, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States TX

ÂŽ Trans Cal Associates Coverages Garage Liability, GKLL Carrier Status Non-admitted States CA ÂŽ Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

ÂŽ N-Surance Outlets, Inc. (Florida) Coverages Fire Legal Liab, Garage Liability, GKLL, Medical Payments, Property Carrier Status Non-admitted States FL

ÂŽ Vulcan Excess & Surplus Insurance Coverages Business Income, Business Interruption, Garage Liability, GKLL, Property Carrier Status Non-admitted States CA

ÂŽ N-Surance Outlets, Inc. (Georgia) Coverages Garage Liability, GKLL Carrier Status Non-admitted States GA, LA, TN

ÂŽ W.A.Schickedanz Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States MO, IL, AR

ÂŽ Northern States Agency Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Fire, Garage Liability, GKLL, GL Carrier Status Admitted, Non-admitted States WI, SD, NE, ND, MN, IL, IA

Auto Repair/Service

ÂŽ Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Auto Comm-Standard, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, Property Carrier Status Non-admitted States CA, NV

ÂŽ American Team Managers Ins. Services, Inc. Coverages GKLL, GL, Property Carrier Status Admitted States Most States

ÂŽ RPS-Leicht General Agency Coverages Garage Liability, GKLL, Property Carrier Status Non-admitted States TX

ÂŽ Appleby & Sterling Coverages BOP, Business Income, CGL, Crime Carrier Status Admitted States AZ, CA, NV

ÂŽ RSI International, Inc. (Missouri) Coverages Commercial Excess, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK

ÂŽ Applied Underwriters, Inc. Coverages EPLI, Workersâ&#x20AC;&#x2122; Comp, Workersâ&#x20AC;&#x2122; Comp Plus Carrier Status Admitted States Most States

ÂŽ Russell Bond & Co., Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Care/Custody/Control, Cargo, Commercial Excess, Completed Operations Liab, Dealers Open Lot, Excess Liab, Fire Legal Liab, Garage Liability, GKLL, GL, Inland Marine, Medical Payments, Physical Damage, Products Liab, Property, Theft, Truck Auto Liab, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT

ÂŽ Cluett Commercial Insurance Agency, Inc. Coverages BOP, Umbrella, Workersâ&#x20AC;&#x2122; Comp, Workersâ&#x20AC;&#x2122; Comp Plus Carrier Status Admitted States VT, VA, TN, SC, RI, PA, NY, NJ, NH, NC, MI, ME, MD, MA, KY, IL, GA, FL, CT, CA, AZ, AK

ÂŽ Superior Access Insurance Services Coverages Auto Comm-Standard, Garage Keepers Legal Liab, Garage Liability, Property, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States ÂŽ Target Marketing Ins. Services, Inc. Coverages EPLI, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL ÂŽ Topa Insurance Company Coverages Garage Keepers Legal Liab, Liability, Property Carrier Status Admitted States CA

ÂŽ Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Care/Custody/Control, Cargo, Commercial Excess, Garage Liability, GKLL, GL, Glass, Motor Truck Cargo, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Non-admitted States TX

ÂŽ CNA

Coverages Auto Comm-Nonstandard, Crime, GL, Property, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted, Non-admitted States All States

ÂŽ DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ

ÂŽ HULL & Company, Inc. - Great Falls Coverages Care/Custody/Control, CGL, Garage Keepers Legal Liab, Property Carrier Status Non-admitted States ID, MT, WY ÂŽ HULL & Company, Inc. - Tampa Bay Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Non-admitted States FL ÂŽ J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Nonowned & Hired Auto, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States CA, AZ ÂŽ KBK Insurance Group, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States ÂŽ Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ÂŽ Target Marketing Ins. Services, Inc. Coverages EPLI, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL ÂŽ Trans Cal Associates Coverages Garage Keepers Legal Liab, Garage Liability, GKLL, GL Carrier Status Non-admitted States CA ÂŽ USG Insurance Services, Inc. Coverages Business Income, Dealers Open Lot, EPLI, GKLL, Umbrella Carrier Status Admitted, Non-admitted States Most States ÂŽ Willis HRH Programs Coverages Auto Comm-Standard Phys Dmg, Business Income, Crime, Employee Benefits, Garage Keepers Legal Liab, Garage Liability, GL, Personal Liab, Umbrella Carrier Status Admitted States Most States

Auto Repossessors ÂŽ AEON Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Garage Liability, GL, On-Hook Cargo, Personal Property, Property, Wrongful Repo Carrier Status Admitted States Most States ÂŽ G.J. Sullivan Company (Orange) Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Marine, Crime, Employee Benefits, Fidelity, Fire, Garage Liability, GKLL, GL, Inland Marine, Motor Truck Cargo, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Wrongful Repo Carrier Status Admitted States Most States

We Know What Insurance Agencies Need â&#x20AC;&#x153;We began banking with InsurBanc in July 2008.

Before joining InsurBanc, making deposits was time-consuming and inconvenient. # makes it possible to deposit at any time, day or night!

With remote deposit there are fewer worries. It reduces costs and streamlines cash management.â&#x20AC;? â&#x20AC;&#x201D; Jonathan Katz, Oros Risk Solutions LLC At InsurBanc, our only focus is the success of your agency. Our strength and unmatched expertise make us the most reliable source for your banking and financing needs.

!

" #

# "

$% !

#

& ' % & !

(866) 467-2262 agencyfinancing@InsurBanc.com www.InsurBanc.com N30 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States ® W.A.Schickedanz Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Motor Truck Cargo, Nonowned & Hired Auto, Uninsured Motorists Carrier Status Admitted, Non-admitted States MO, IL, AR

Auto Transporters ® 5Star Business Auto Program (Misc. classes), formerly BISYS Coverages Auto Comm-Standard Liability, Medical Payments, Physical Damage, Uninsured Motorists Carrier Status Admitted States TN, OH, GA, FL, AL ® AEON Insurance Services Coverages Excess Liab, GL, Property Carrier Status Admitted States Most States ® KBK Insurance Group, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States

Auto/Truck Dealers - Franchised ® Automotive Risk Mgmt. & Ins. Services, Inc.

Coverages Business Income, Crime, Cyber Liab, Dealers Open Lot, E&O, Environmental Liab, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GKLL, Glass, Legal Expense Ins, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Pollution Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Target Marketing Ins. Services, Inc. Coverages EPLI, Workers’ Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL ® Willis HRH Programs Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Personal Liab, Products Liab, Umbrella Carrier Status Admitted States Most States

Auto/Truck Leasing Firms ® GMI Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Liability, GL, Property Carrier Status Admitted States All States

Auto/Truck Rental Firms ® Bedford Insurance Services, Inc. Coverages Liability, Physical Damage Carrier Status Admitted States Most States ® GMI Insurance Services Coverages Interim Car Liab/Phys Dmg, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg Carrier Status Admitted States All States ® HULL - Mile High Markets, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Excess Liab, Garage Liability, GL, Property Carrier Status Admitted, Non-admitted States Most States ® Philadelphia Insurance Companies Coverages Physical Damage, Physical Damage Rental Units Carrier Status Admitted States Most States

Bars/Taverns ® Advanced E&S Insurance Underwriters Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® American Underwriting Managers Coverages Business Income, CGL, Liquor Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States ® Anchor Bay Insurance Managers, Inc. Coverages Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, OR, WA ® Bass Underwriters Coverages Excess Liab, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL

www.insurancejournal.com

® Brecht & Associates Coverages Business Interruption, CGL, Commercial Excess, Excess Liab, Fire, GL, Glass, Liability, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Liability, Liquor Liab, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA ® Combined Underwriting Agency Network, Inc. Coverages Builders Risk, CGL, Crime, EPLI, Excess Liab, GL, Liability, Liquor Liab, Nonowned & Hired Auto, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ ® Compass Insurance Group of Agencies Coverages Business Income, Food Spoilage, GL, Glass, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA

® M.J. Hall & Company, Inc. Coverages CGL, Crime, Liquor Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® McClelland and Hine, Inc. Coverages CGL, Excess Liab, Fire, Liquor Liab, Umbrella Carrier Status Non-admitted States TX ® Metcom Excess Coverages Assault & Battery, Business Income, Equipment Breakdown, Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States NY, NJ, PA ® N-Surance Outlets, Inc. (Florida) Coverages Assault & Battery, Business Income, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States FL ® N-Surance Outlets, Inc. (Georgia) Coverages Business Income, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN

® Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

® National Advantage Insurance Services, Inc. Coverages Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX, OR, NV, CA, AZ

® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages Business Interruption, GL, Liquor Liab, Property Carrier Status Non-admitted States All States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages Business Interruption, GL, Liquor Liab, Property Carrier Status Non-admitted States All States

® Northern Ohio E & S Agency, Inc. Coverages Business Income, CGL, Fire Legal Liab, Liquor Liab, Property Carrier Status Admitted States OH

® Focus Underwriters, LLC Coverages Business Income, CGL, Crime, Food Spoilage, Liquor Liab, Property Carrier Status Non-admitted States VA, SC, NC

® Northern States Agency Coverages Business Income, CGL, Commercial Excess, Equipment Breakdown, Fire, Liquor Liab Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® Geo. F. Brown & Sons, Inc. Coverages Assault & Battery, GL, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Non-admitted States WI, WA, VT, VA, TX, SC, PA, OR, OH, NY, NV, NJ, NC, MN, MI, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ

® PGI Commercial, LLC Coverages GL, Liquor Liab, Property Carrier Status Admitted States WI, OH, MI, IN, IL

® Gorst Co. Coverages GL, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States CA

® Priority Insurance Underwriters Coverages CGL, Equipment, GL, Property Carrier Status Admitted, Non-admitted States TX, OR, NV, NM, CO, CA, AZ

® High Country Insurance (a div of Hull & Co.) Coverages Assault & Battery, CGL, Liquor Liab, Property Carrier Status Non-admitted States CO

® Quaker Special Risk (New Jersey) Coverages Crime, Excess Liab, Liquor Liab Carrier Status Non-admitted States NY, NJ, GA, DE

® Horizon E & S Insurance Brokerage Coverages Liability, Liquor Liab, Property Carrier Status Non-admitted States NV, CA

® RCA Insurance Group Coverages GL, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States TN, SC, NC, LA, GA, FL

® HULL & Company, Inc. - Denver Coverages Assault & Battery, CGL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States CO

® RISCO, Inc. Coverages CGL, Crime, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States RI, NH, ME, MA, CT

® HULL & Company, Inc. - Honolulu Coverages Assault & Battery, GL, Property Carrier Status Non-admitted States HI

® Roush Insurance Services, Inc. Coverages Business Income, Equipment Breakdown, Food Spoilage, Liability, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL

® HULL & Company, Inc. - Horsham Coverages Business Interruption, GL, Liquor Liab, Property Carrier Status Non-admitted States All States

® RPS-Leicht General Agency Coverages GL, Property Carrier Status Non-admitted States TX

® HULL & Company, Inc. - Kalispell Coverages Assault & Battery, GL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Stockton Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Non-admitted States CA ® iii of Maryland, Inc. Coverages CGL, Equipment Breakdown, Excess Flood, Excess Liab, Liquor Liab, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States DE, MD, VA

® RSI International, Inc. (Missouri) Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Medical, Medical Payments, Products Liab, Property, Theft, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN ® South Texas General Insurance Agency Coverages GL, Property Carrier Status Non-admitted States TX

® III Special Risk, Inc. Coverages CGL, Fire, Fire Legal Liab, Food Spoilage, Inland Marine, Liability, Property Carrier Status Non-admitted States AL, FL, GA, NC, SC, TN ® Ins. Innovators Agency Of New England (W Springfield) Coverages Assault & Battery, Business Income, Business Interruption, CGL, Commercial Excess, Employee Benefits, EPLI, Excess Liab, Fine Arts, Food Spoilage, GL, Liability, Liquor Liab, Products Liab, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, Garage Liability, GKLL, GL, Glass, Liability, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States TN, RI, PA, OH, NY, NJ, MO, MN, MI, MD, MA, IL, GA, FL, DE, CT, CA ® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

® Insurance Innovators, Inc. Coverages Assault & Battery, Auto Comm-Nonstandard, Auto CommNonstandard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, EPLI, Excess Liab, Fire, Fire Legal Liab, Food Borne Illness, Food Spoilage, GL, Glass, Liability, Liquor Liab, Medical Payments, Real & Business Personal Prop, Spoilage, Theft, Umbrella, Workers’ Comp States PA, NY, NJ, MD, DE

® Trans Cal Associates Coverages Assault & Battery, GL, Property Carrier Status Non-admitted States CA

® International Excess Companies Coverages Liability, Liquor Liab, Products Liab Carrier Status Admitted, Non-admitted States All States

® Unifax Insurance Systems, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

® Liberty International Underwriters Coverages Liquor Liab Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, GA, CT, AL

® U.S. Risk Insurance Group, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States All States

® USG Insurance Services, Inc. Coverages Assault & Battery, Business Income, EPLI, Food Spoilage, Liquor Liab, Spoilage, Umbrella Carrier Status Non-admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N31

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® W.A.Schickedanz Agency, Inc. Coverages Business Income, Fire, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Products Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States MO, IL, AR ® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Non-admitted States GA, FL

Bazaars ® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States All States ® III Special Risk, Inc. Coverages CGL, Liability, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, TX

Bed & Breakfasts ® CGA Associates, Inc. Coverages BOP, Umbrella Carrier Status Admitted States All States ® Gillingham & Associates Coverages Business Interruption, Crime, Excess Liab, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted States All States ® III Special Risk, Inc. Coverages Liability, Liquor Liab, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® Insurance Center Special Risks Ltd Coverages Business Income, Completed Operations Liab, Equipment Breakdown, GL, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, CT ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Difference in Conditions, Excess Liab, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

Beauty/Barber Shops/Salons/ Schools/Supplies

® Markel Insurance Company Coverages Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, GL, Historic Bldgs/Unique Property, Inland Marine, Personal Liab, Property, Umbrella Carrier Status Admitted States Most States

® A.I.I. Insurance Brokerage of Mass., Inc. Coverages Business Income, CGL, Liability, Professional Liab, Real & Business Personal Prop, Tanning Liab, Umbrella Carrier Status Non-admitted States MA, CT, RI

® Motel Insurance Brokers, Inc. Coverages Assault & Battery, Boiler & Machinery, Business Income, CGL, Crime, Fire Legal Liab, Liquor Liab, Medical Payments, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH

® Smith, Bell & Thompson Coverages Crime, GL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Admitted, Non-admitted States Most States

® Agency Intermediaries, Inc. Coverages Business Income, CGL, Liability, Professional Liab, Real & Business Personal Prop, Tanning Liab, Umbrella Carrier Status Non-admitted States MA, CT

Bicycle Dealers/Distributors/Rentals/ Manufacturers

® Anderson & Murison, Inc. Coverages BOP, Professional Liab Carrier Status Admitted States CA ® Bass Underwriters Coverages GL, Liability, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® Brecht & Associates Coverages CGL, GL, Property, Umbrella Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Continental Brokers, Inc. Coverages Auto Comm-Standard Liability, Auto Pers-Nonstandard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Disability, EPLI, Fire Legal Liab, Flood, Liability, Medical, Professional Liab, Property, Umbrella Carrier Status Admitted States All States ® Evolution Insurance Brokers Coverages Business Income, Business Interruption, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip, Trade Shows & Festivals Carrier Status Admitted, Non-admitted States Most States ® Gridiron Insurance Underwriters, Inc. Coverages Business Income, CGL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AL, CO, FL, GA, KY, LA, MI, MN, MO, MS, NC, NY, PA, SC, TN, TX ® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States All States ® Ron Rothert Insurance Coverages Business Income, E&O, GL, Medical Payments, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States WA, OR, ID ® SASSI - Salon & Spa Specialty Insurance Coverages GL, Professional Liab Carrier Status Admitted States Most States ® South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX ® Superior Access Insurance Services Coverages Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted States All States ® TAPCO Underwriters, Inc. Coverages GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® Topa Insurance Company Coverages GL, Professional Liab, Property Carrier Status Admitted States NV, CA, AZ

® ACE Westchester - Program Division Coverages Auto Comm-Standard, GL, Inland Marine, Property Carrier Status Admitted States Most States ® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Completed Operations Liab, Crime, GL, Inland Marine, Nonowned & Hired Auto, Property Carrier Status Admitted, Non-admitted States All States

Billiard Parlors ® Bass Underwriters Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® Compass Insurance Group of Agencies Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States CA ® M.J. Hall & Company, Inc. Coverages Business Interruption, CGL, Difference in Conditions, EPLI, Excess Liab, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Assault & Battery, Excess Liab, Fire, Fire Legal Liab, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ

Billing and Collection Services ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States

Boat Dealers/Brokers ® Brauer & Associates, Inc. Coverages Boats, Business Income, CGL, Commercial Excess, Commercial Marine, Hull, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Umbrella, Watercraft Liab, Wet Marine Carrier Status Admitted States Most States

® Britt/Paulk Insurance Agency, Inc.

Coverages Equipment, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Physical Damage, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Windstorm, Workers’ Comp Carrier Status Admitted States Most States

® Bunker Hill Insurance Agency Coverages Boats, Business Income, Business Interruption, Care/Custody/Control, Commercial Marine, Marina Operators Legal, Watercraft Liab Carrier Status Admitted States IN, KY, MI, OH, TN, TX ® Burns & Wilcox - All Offices Coverages Liability, Marina Operators Legal, Physical Damage, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Continental Risk Insurance Services Coverages Auto Comm-Standard, Billing Error E&O, Blanket Addt’l Insureds, Boats, Business Income, Cargo, CGL, Commercial Marine, Equipment Breakdown, Federal LHWCA, Hull, Inland Marine, Legal Liab, Property, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ

N32 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® HCC Specialty Underwriters, Inc. (MA) Coverages Hole-in-One, Prize Indemnification Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Charlotte Coverages Boats, Care/Custody/Control, CGL, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA ® Maritime General Agency Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Nonowned & Hired Auto, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Windstorm, Workers’ Comp Carrier Status Admitted States All States ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boats, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Garage Liability, GL, Identity Theft, Inland Marine, Legal Expense Ins, Nonowned & Hired Auto, Personal Property, Property, Protection & Indemnity (P&I), Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® TCA, Inc. Coverages Boats, Care/Custody/Control, CGL, GL, Marina Operators Legal Carrier Status Admitted, Non-admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages CGL, Inland Marine, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella Carrier Status Admitted States Most States ® Western Maritime Coverages Business Interruption, Cargo, EPLI, GL, Liquor Liab, Marina Operators Legal, Medical, Property, Protection & Indemnity (P&I), Tools & Equip, Transportation Pollution Liab, Warranties, Extended Carrier Status Admitted, Non-admitted States All States

Boat Rental Firms ® Maritime General Agency Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, EPLI, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Marina Operators Legal, Medical Payments, Nonowned & Hired Auto, Piers & Docks, Products Liab, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Watercraft Liab, Windstorm, Workers’ Comp Carrier Status Admitted States All States ® Markel American Insurance Co. Coverages Boats, Commercial Marine, Hull, Watercraft Liab Carrier Status Admitted States Most States ® TCA, Inc. Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States ® Western Maritime Coverages Business Interruption, Cargo, EPLI, GL, Hull, Liability, Liquor Liab, Marina Operators Legal, Medical, Property, Protection & Indemnity (P&I), Tools & Equip, Transportation Pollution Liab, Watercraft Liab, Watersports Liab Carrier Status Admitted, Non-admitted States All States

Bowling Alleys ® ACE Westchester - Program Division Coverages Auto Comm-Standard, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States ® Bass Underwriters Coverages GL, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® MarketScout Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States All States ® RPS-Leicht General Agency Coverages GL, Property Carrier Status Non-admitted States TX ® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Boys & Girls Clubs ® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Non-Profit D&O, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Property, Sexual Misconduct Liab, Student Accident, Umbrella Carrier Status Admitted States Most States

® Western Security Surplus Insurance Brokers, Inc. Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Admitted, Non-admitted States TX, CA

Car Washes ® American Management Corporation Coverages GL, Property Carrier Status Admitted, Non-admitted States Most States ® Brecht & Associates Coverages CGL, Equipment, GL, Umbrella Carrier Status Non-admitted States TX ® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States Most States

® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Nonowned & Hired Auto, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ

® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, GKLL, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

Broadcasters ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, Business Interruption, Crime, GL, Inland Marine, Media Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® Aon Association Services

Coverages Auto Comm-Standard Liability, D&O, GL, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

Campgrounds ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Crime, Fire Legal Liab, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted, Non-admitted States All States

® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ® McClelland and Hine, Inc. Coverages Fire, Garage Keepers Legal Liab, Liability, Umbrella Carrier Status Non-admitted States TX

® Colemont Insurance Brokers- Hartford Coverages Environmental Liab, EPLI, Equipment, Fire Legal Liab, GL, Inland Marine, Pollution, Products Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Consumer Specialties Insurance Co (RRG) Coverages GL, Products Liab, Umbrella Carrier Status Non-admitted States All States ® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages Environmental Liab, GL, Pollution Carrier Status Admitted, Non-admitted States NY, NJ ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ

Child Care/Day Care Centers

® RPS-Leicht General Agency Coverages GL, Property Carrier Status Non-admitted States TX ® The Insurancenter Coverages Crime, Equipment Breakdown, Excess Liab, GL, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Casinos ® Professional Liability Ins. Svcs, Inc. - Underwriting

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Facilities

Camps

® M.J. Hall & Company, Inc. Coverages CGL, Crime, Liquor Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® ACE Westchester - Program Division Coverages Abuse & Molestation, Auto Comm-Standard, GL, Inland Marine, Property Carrier Status Admitted States Most States

Chemical Manufacturers/Distributors ® ChemPlan - Chemical Insurance Coverages Auto Comm-Standard, CGL, Environmental Liab, Property, Umbrella Carrier Status Admitted States All States

Coverages EPLI Carrier Status Non-admitted States Most States

Caterers

® ACE Westchester - Program Division Coverages Abuse & Molestation, Auto Comm-Standard, GL, Property Carrier Status Admitted States Most States ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Liability, Property Carrier Status Admitted States Most States ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Mechanical Breakdown, Misc Professional Liab, NonProfit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States

® Bollinger, Inc. Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States

® Francis L. Dean & Associates, Inc.

Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Community/Social Svcs, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Legal Liab, Liability, Liquor Liab, Medical Payments, Misc Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® K & K Insurance Group, Inc. Coverages Auto Comm-Standard, Business Income, Crime, GL, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States All States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella, Watercraft Liab Carrier Status Admitted States Most States ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States Most States ® Summit America Ins. Services L.C. Coverages Accident & Health, Accidental Death, CGL Carrier Status Admitted States All States

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N33

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Brecht & Associates Coverages CGL, GL, Property, Umbrella Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Evolution Insurance Brokers Coverages Abuse & Molestation, Assault & Battery, Business Interruption, Fire, Fire Legal Liab, Liability, Loss of Use, Misc Professional Liab, Sexual Misconduct Liab, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States

® Francis L. Dean & Associates, Inc.

Coverages Accidental Death, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States ® H. R. Keller & Company, Inc. Coverages Abuse & Molestation, Liability, Medical Payments, Nonowned & Hired Auto, Products Liab, Professional Liab, Student Accident, Teachers Liab, Umbrella, Workers’ Comp Carrier Status Admitted States NY ® HULL & Company, Inc. - Denver Coverages Abuse & Molestation, CGL, Property Carrier Status Non-admitted States CO ® iii of Maryland, Inc. Coverages Abuse & Molestation, CGL, D&O, EPLI, Equipment Breakdown, Excess Flood, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Non-admitted States DE, MD, VA ® Indemnity Excess & Surplus Agency, Inc. Coverages Abuse & Molestation, Addt’l Expense, Business Income, CGL, Equipment Breakdown, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States WA, TX, OR, NV, ID, FL, CO, CA, AZ ® Ins. Innovators Agency Of New England (W Springfield) Coverages Abuse & Molestation, Assault & Battery, BOP, CGL, Commercial Excess, Employee Benefits, EPLI, GL, Liability, Professional Liab, Sexual Misconduct Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Insurance Innovators of New Jersey, Inc. Coverages Abuse & Molestation, Business Interruption, D&O, EPLI, GL, Liability, Medical Payments, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States NY, NJ ® International Excess Companies Coverages Abuse & Molestation, Accident & Health, Business Income, Commercial Excess, Crime, E&O, EPLI, Fire, GL, Liability Carrier Status Admitted States All States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ® Northern Ohio E & S Agency, Inc. Coverages Abuse & Molestation, GL, Professional Liab, Property Carrier Status Non-admitted States OH ® Northern States Agency Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Fire, Professional Liab Carrier Status Admitted, Non-admitted States WI, SD, NE, ND, MN, IL, IA

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® RSI International, Inc. (Missouri) Coverages Abuse & Molestation, CGL, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Non-admitted States IL, MO ® THOMCO Coverages Abuse & Molestation, GL, Property, Umbrella Carrier Status Admitted States Most States

® Roush Insurance Services, Inc. Coverages Abuse & Molestation, Accident & Health, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Boiler & Machinery, Builders Risk, Business Interruption, CGL, Commercial Excess, Crime, D&O, EPLI, Equipment, Excess Liab, Fidelity Bonds, Fine Arts, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Installation Floaters, Kidnap/Ransom, Liability, Medical Payments, NonProfit D&O, OCP, Participant Accident, Portable Equip, Property, Residential Property, Sexual Misconduct Liab, Student Accident Carrier Status Admitted, Non-admitted States OH, IN, IL ® RPS-Leicht General Agency Coverages Auto Comm-Nonstandard, GL, Property Carrier Status Non-admitted States TX

Claims Adjusters

® Topa Insurance Company Coverages GL, Property Carrier Status Admitted, Non-admitted States VA, TX, OR, OH, IL, GA, FL, CO, CA

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

® Trans Cal Associates Coverages Abuse & Molestation, GL, Property Carrier Status Non-admitted States CA

® Hall & Company Coverages Auto Comm-Standard, BOP, E&O, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX

® IAAC, Inc. (Membership Services Division of IIABNY) Coverages E&O, Professional Liab Carrier Status Admitted States NY

® Vulcan Excess & Surplus Insurance Coverages Abuse & Molestation, E&O, Equipment Breakdown, Excess Liab, GL, Property, Umbrella Carrier Status Non-admitted States CA

® NAS Insurance Services, Inc. Coverages Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

Chiropractors ® Braishfield Associates, Inc. Coverages BOP, CGL, EPLI, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Health Care Insurers, Inc. Coverages BOP, GL, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Churches ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, D&O, Equipment Breakdown, Liability, Property, Workers’ Comp Carrier Status Admitted States All States

Commercial Building Owners ® Advanced E&S Insurance Underwriters Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Equipment Breakdown, Excess Liab, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® AFG Partners Coverages Flood, GL, Property Carrier Status Admitted, Non-admitted States All States ® Arrowhead General Insurance Agency, Inc. Coverages Auto Comm-Standard, BOP, EPLI, GL, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, TX, OR, NV, CA, AZ

® Braishfield Associates, Inc. Coverages Business Income, CGL, D&O, EPLI, Fidelity, Sexual Misconduct Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Braishfield Associates, Inc. Coverages BOP, Business Income, CGL, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Bunker Hill Insurance Agency Coverages Abuse & Molestation, CGL, Community/Social Svcs, Kidnap/Ransom, Misc Professional Liab, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

® Brecht & Associates Coverages CGL, GL, Glass, Property, Umbrella Carrier Status Non-admitted States TX

® Burns & Wilcox - All Offices Coverages Abuse & Molestation, CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted, Non-admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, CGL, Crime, D&O, EPLI, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Compass Insurance Group of Agencies Coverages CGL, Glass, Property Carrier Status Non-admitted States CA ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® HULL & Company, Inc. - Honolulu Coverages GL, Property Carrier Status Non-admitted States HI ® HULL & Company, Inc. - Jacksonville Coverages CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Kalispell Coverages CGL, Property Carrier Status Admitted, Non-admitted States WY, MT, ID ® J.L. von Arx & Associates Coverages CGL, Property Carrier Status Admitted, Non-admitted States CA, AZ ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fine Arts, Fire Legal Liab, GL, Glass, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

N34 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Burns & Wilcox - All Offices Coverages Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States ® Crump Insurance Services, Inc. (Dallas) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Louisiana) Coverages CGL, Excess Flood, Excess Liab, GL, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Memphis) Coverages CGL, Excess Flood, Excess Liab, GL, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Dunfield Wholesale Insurance, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States CA ® ICAT

Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® Independent Brokers & Agents of the West (IBA West) Coverages Apartment House Package, Umbrella Carrier Status Admitted, Non-admitted States CA ® Ins. Innovators Agency Of New England (W Springfield) Coverages Assault & Battery, Business Income, Business Interruption, CGL, Difference in Conditions, EPLI, GL, Liability, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® M.J. Hall & Company, Inc.

Coverages Business Income, CGL, D&O, EPLI, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® National Advantage Insurance Services, Inc. Coverages GL, Property, Umbrella Carrier Status Admitted, Non-admitted States TX, OR, NV, CA, AZ

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Assault & Battery, Business Income, CGL, COC, Difference in Conditions, Liability, Property Carrier Status Admitted, Non-admitted States NV, CA, AZ

® Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Umbrella Carrier Status Admitted States Most States

® Prime Insurance Coverages Apartment House Package, Business Income, Business Interruption, CGL, Fire Legal Liab, GL, Glass, Hail, Liability, Medical, Medical Payments, Misc Professional Liab, Property, Residential Property Carrier Status Admitted, Non-admitted States All States ® Priority Insurance Underwriters Coverages CGL, Excess Liab, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States TX, OR, NV, NM, CO, CA, AZ ® Roush Insurance Services, Inc. Coverages Addt’l Expense, Apartment House Package, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, Crime, D&O, E&O, EPLI, Equipment, Excess Liab, Fire, Fire Legal Liab, Force Place Fire Cvrg, Foreclosed Properties, GL, Glass, Historic Bldgs/Unique Property, Inland Marine, Installation Floaters, Lessor Only Excess Liab, Liability, Mechanical Breakdown, Medical Payments, Non-Profit D&O, OCP, Pollution Liab, Portable Equip, Products Liab, Property, Rented Property, Residential Property, Tenant Discrimination, Tools & Equip Carrier Status Admitted, Non-admitted States OH, IN, IL ® Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States NV, CA, AZ ® Superior Access Insurance Services Coverages Auto Comm-Standard, BOP, Garage Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® The Distinguished Programs Group Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® UCA General Insurance Coverages Business Income, CGL, Equipment Breakdown, Fire Legal Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ ® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA ® Vulcan Excess & Surplus Insurance Coverages Business Income, Business Interruption, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Glass, Property Carrier Status Non-admitted States CA ® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, GL, Property Carrier Status Non-admitted States GA, FL

® The American Equity Underwriters, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Int’l Coverage - Commercial, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages Auto Comm-Standard, Boats, CGL, Commercial Excess, Equipment, Hull, Marina Operators Legal, Piers & Docks, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, Watercraft Liab Carrier Status Admitted States Most States

® McGowan & Company, Inc. Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States ® Metro Insurance Services, Inc. Coverages Apartment House Package, Equipment Breakdown, Excess Flood Carrier Status Admitted, Non-admitted States Most States

® Preferred Property Programs

Coverages Boiler & Machinery, Environmental Liab, Equipment Breakdown, Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States

® WFT, Inc. Coverages Boats, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Equipment, Excess Liab, GL, Hull, Inland Marine, Legal Liab, Liability, Marina Operators Legal, Protection & Indemnity (P&I), Umbrella, Watercraft Liab, Wet Marine Carrier Status Admitted States WA, VA, TX, SC, PA, OR, NY, NJ, NH, NC, MS, ME, MD, MA, LA, HI, GA, FL, CA, AL, AK

Community Associations ® Access E&S Insurance Services (CA) Coverages D&O, GL, Property Carrier Status Admitted, Non-admitted States NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, DC ® CID Insurance Programs, Inc. Coverages D&O, Fidelity, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ ® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

® Ian H. Graham Insurance

Coverages Crime, D&O, Fidelity, Umbrella Carrier Status Admitted States Most States

® iii of Maryland, Inc. Coverages CGL, D&O, Environmental Liab, EPLI, Excess Flood, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Property, Umbrella Carrier Status Non-admitted States DE, MD, VA ® Indemnity Excess & Surplus Agency, Inc. Coverages D&O, EPLI, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States Most States ® Ins. Innovators Agency Of New England (Hopedale) Coverages Assault & Battery, CGL, D&O, GL, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States ® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Property Carrier Status Admitted States NV, CA, AZ ® The Distinguished Programs Group Coverages Boiler & Machinery, Crime, D&O, GKLL, GL, Property, Umbrella Carrier Status Admitted States All States

Community Banks/Credit Unions ® Centurion Insurance Group Coverages D&O, E&O, Fidelity, Force Place Fire Cvrg, Foreclosed Properties Carrier Status Admitted States All States ® Crump Insurance Services, Inc. (Nashville) Coverages E&O, EPLI, Escrow E&O, Fidelity, Mortgage Impairment, Professional Liab Carrier Status Admitted, Non-admitted States All States ® IAAC, Inc. (Membership Services Division of IIABNY) Coverages D&O, EPLI, Fiduciary Liab, Kidnap/Ransom, Property Carrier Status Admitted States NY ® Insurmark a Div. of Financial & Professional Risk Solutions, Inc. Coverages Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States

Community Health Centers ® Centurion Insurance Group Coverages EPLI, Medical Malpractice Carrier Status Admitted States All States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

® Irwin Siegel Agency, Inc. Coverages Accidental Death, BOP, D&O, EPLI, Non-Profit D&O, Umbrella Carrier Status Admitted, Non-admitted States All States ® Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States All States

Commercial Marine Companies ® AFG Partners Coverages Commercial Excess, Excess Flood, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States Most States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® LIG Marine Managers Coverages Boats, Builders Risk, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Federal LHWCA, Foreign GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Wet Marine, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® Maritime General Agency Coverages Commercial Marine, Hull, Marina Operators Legal, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Watercraft Liab Carrier Status Admitted States All States ® Markel American Insurance Co. Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States ® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States ® TCA, Inc. Coverages Blanket Addt’l Insureds, Boats, Builders Risk, Cargo, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Uninsured Boaters, Watersports Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

®

Agency Ideas SALES & MARKETING IDEAS FOR P&C PROFESSIONALS

AGENCY IDEAS® NEWSLETTER Inside each issue of this popular publication, you’ll find fresh ways to sell more personal and commercial lines, to advertise, cross-sell, use the Web, and more.

Enjoy password access to our Web-based Subscribers-Only Area along with your print subscription. Download tons of pre-designed sales tools based on the newsletter’s original ideas. Published by Alan Shulman, CPCU since 1990.

Visit us online for a sample issue and to discover our other tools including the Illustrative Insurance Sales Letter series.

VISIT OUR SITE • DOWNLOAD A FREE SAMPLE ISSUE.

WWW.AGENCYIDEAS.COM • 1-800-724-1435 www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N35

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ÂŽ Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Kidnap/Ransom, Professional Liab, Umbrella Carrier Status Admitted States Most States ÂŽ Philadelphia Insurance Companies Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fire, Fire Legal Liab, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Community/Social Services ÂŽ 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ÂŽ Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, Business Interruption, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ÂŽ Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ÂŽ Apogee Insurance Group Coverages Workersâ&#x20AC;&#x2122; Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ÂŽ Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, CGL, Crime, EPLI, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States Most States ÂŽ Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

ÂŽ Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States

ÂŽ THOMCO Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted States Most States

ÂŽ ICAT

ÂŽ Worldwide Facilities, Inc. Coverages Abuse & Molestation, Assault & Battery, CGL, Commercial Excess, Community/Social Svcs, D&O, E&O, EPLI, Liability, Professional Liab, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted, Non-admitted States All States

ÂŽ Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Nonadmitted States Most States

Computer Consultants/Programmers/ Designers

Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

ÂŽ London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States ÂŽ Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

ÂŽ Access E&S Insurance Services (CA) Coverages Cyber Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, DC ÂŽ Burns & Wilcox - All Offices Coverages CGL, Inland Marine, Liability, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

ÂŽ National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States

ÂŽ CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States

ÂŽ Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

ÂŽ Euclid Managers, LLC Coverages Identity Theft, Technology E&O Carrier Status Non-admitted States All States

ÂŽ Nonprofitsâ&#x20AC;&#x2122; Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

ÂŽ H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

ÂŽ Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

ÂŽ Indemnity Excess & Surplus Agency, Inc. Coverages GL, Property, Technology E&O Carrier Status Admitted, Non-admitted States Most States ÂŽ Ins. Innovators Agency Of New England (Hopedale) Coverages CGL, D&O, Employee Benefits, EPLI, GL, Liability, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ÂŽ INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ÂŽ IT Risk Managers, Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ÂŽ Logic Underwriters, Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

Directors and Officers Liability Eligible Business Types

Coverage Features

Condominium Associations

A++ Rated Carrier

Homeowners Associations

Lifetime Reporting Feature

Non-Profit Organizations

Free Human Resources Consultation

Religious Institutions

Quick Quotes

For Profit Organizations

Full Prior Acts Coverage

Add Employment Practices Liability â&#x20AC;&#x201C; EPLI

ÂŽ NAS Insurance Services, Inc. Coverages Breach of Security, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Professional Liab, Technology E&O, Website Domain Name Carrier Status Non-admitted States Most States ÂŽ NeitClem Wholesale Insurance Brokerage, Inc. Coverages Completed Operations Liab, Inland Marine, Professional Liab, Tools & Equip Carrier Status Admitted, Non-admitted States NV, CA, AZ ÂŽ Philadelphia Insurance Companies Coverages BOP, E&O Carrier Status Admitted States Most States ÂŽ Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages Technology E&O Carrier Status Non-admitted States All States

ÂŽ Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States ÂŽ Victor O. Schinnerer & Co. Coverages Cyber Liab, E&O, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ÂŽ Worldwide Facilities, Inc. Coverages CGL, Cyber Liab, E&O, EPLI, Excess Liab, GL, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted, Non-admitted States All States

Questions? info@braishfield.com

ÂŽ Worldwide Facilities, Inc. of Washington Coverages CGL, Cyber Liab, E&O, EPLI, Excess Liab, GL, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted, Non-admitted States All States

7HO Â&#x2021; )D[

ÂŽ 5Star Business Auto Program (Misc. classes), formerly

Concrete Pumper Firms

Focusing on Solutions

N36 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States TN, OH, MI, IL, GA, FL, AL

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Norman-Spencer Agency, Inc. Coverages CGL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® CNA Coverages Auto Comm-Nonstandard, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Condo Associations

® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States

® UCA General Insurance Coverages CGL, D&O, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

® Crump Insurance Services, Inc. (Portland) Coverages EPLI, Non-Profit D&O Carrier Status Non-admitted States WA, OR

® Vulcan Excess & Surplus Insurance Coverages D&O, Fire Legal Liab, GL, Glass, Property Carrier Status Non-admitted States CA

® AFG Partners Coverages Excess Flood, GL, Property Carrier Status Admitted, Non-admitted States Most States ® Agostini Wholesale Insurance Coverages D&O, EPLI, Fidelity, Umbrella, Workers’ Comp C arrier Status Admitted, Non-admitted States VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ, WA

® Crump Insurance Services, Inc. (Seattle) Coverages EPLI, Non-Profit D&O Carrier Status Non-admitted States WA, OR

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds Carrier Status Admitted States All States

® CNA

® Great American Insurance Group - Executive Liability

Coverages Auto Comm-Nonstandard, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Horizon E & S Insurance Brokerage Coverages D&O, Liability, Property Carrier Status Non-admitted States CA ® Ian H. Graham Insurance Coverages Crime, D&O, Fidelity, Umbrella Carrier Status Admitted States Most States ® III Special Risk, Inc. Coverages CGL, D&O, Employee Benefits, GL, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® Irwin Siegel Agency, Inc. Coverages Accidental Death, BOP, D&O, EPLI, Non-Profit D&O, Umbrella Carrier Status Admitted, Non-admitted States All States ® Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States All States ® McGowan & Company, Inc. Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States

Condominium Owners ® AFG Partners Coverages Excess Flood, Homeowners Pkg, Umbrella Carrier Status Non-admitted States Most States ® American Reliable Insurance Company Coverages Personal Property, Physical Damage Carrier Status Admitted States CA, HI, MN, NC, NJ, SC, TX

Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Ian H. Graham Insurance Coverages Crime, D&O, Fidelity, Umbrella Carrier Status Admitted States Most States Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® Ins. Innovators Agency Of New England (W Springfield) Coverages Assault & Battery, CGL, D&O, Difference in Conditions, EPLI, GL, Liability, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Irwin Siegel Agency, Inc. Coverages Accidental Death, BOP, D&O, EPLI, Non-Profit D&O, Umbrella Carrier Status Admitted, Non-admitted States All States

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® MacNeill Group, Inc., CMGA Coverages CGL, Non-Profit D&O, Property, Umbrella Carrier Status Non-admitted States FL

® RISCO, Inc. Coverages D&O, Liability, Property Carrier Status Non-admitted States RI, NH, ME, MA, CT ® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Property Carrier Status Admitted States NV, CA, AZ ® The Distinguished Programs Group Coverages Boiler & Machinery, Crime, D&O, GKLL, GL, Property, Umbrella Carrier Status Admitted States All States ® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, GL, Property Carrier Status Non-admitted States GA, FL

Condo/Homeowner Associations ® Advanced E&S Insurance Underwriters Coverages Assault & Battery, Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States WI, OH, NE, MO, MN, MI, KY, KS, IN, IL, IA, FL, CT ® AFG Partners Coverages Excess Flood, GL, Property Carrier Status Admitted, Non-admitted States Most States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Burns & Wilcox - All Offices Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Difference in Conditions, Dwelling Fire, E&O, EPLI, Equipment, Fidelity, Fiduciary Liab, Fire Legal Liab, GL, Homeowners Pkg, Non-Profit D&O, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States Most States ® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

www.insurancejournal.com

® Arrowhead General Insurance Agency, Inc. Coverages Property, Residential Property Carrier Status Admitted States VA, NY, NV, NJ, CT, CA, AZ

® J.E. Brown & Associates Coverages Personal Liab, Personal Property, Property, Theft Carrier Status Admitted States CA ® King Insurance Support Systems Coverages GL Carrier Status Admitted, Non-admitted States WA, UT, OR, NV, NM, ID, CO, CA, AZ, AR

® Preferred Property Programs

® Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States All States ® M.J. Hall & Company, Inc. Coverages CGL, D&O, EPLI, Excess Liab, Pool & Spa Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® Indemnity Excess & Surplus Agency, Inc. Coverages CGL, Loss of Use, Nonowned & Hired Auto, Rented Property, Residential Property, Umbrella Carrier Status Non-admitted States WA, TX, OR, NV, ID, CO, CA, AZ

® ICAT

® Metro Insurance Services, Inc. Coverages Apartment House Package, Equipment Breakdown, Excess Flood Carrier Status Admitted, Non-admitted States Most States

® Preferred Property Programs

® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX

® McGowan & Company, Inc. Coverages Commercial Excess, D&O, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Umbrella Carrier Status Admitted States All States ® Monarch E&S Insurance Services Coverages D&O, GL, Property States CA

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States

Construction Wrap-Up ® Colemont Insurance Brokers- Hartford Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Completed Operations Liab, Contractors Equip, GL, Liability, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States All States ® Construction Insurance Partners, LLC Coverages Builders Risk, E&O, Excess Liab, GL, Workers’ Comp States Most States ® M.J. Hall & Company, Inc. Coverages CGL, Excess Liab Carrier Status Admitted, Non-admitted States AK, AZ, CA, NV

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages GL, Property Carrier Status Non-admitted States CA, NV

® Priority Insurance Underwriters Coverages Blanket Addt’l Insureds, CGL, GL, Liability States WA, TX, OR, NY, NV, NM, CO, CA, AZ

® PGI Commercial, LLC Coverages Crime, GL, Property Carrier Status Admitted, Non-admitted States WI, WA, UT, TX, PA, OR, OH, NY, NV, NM, NJ, MI, MD, IN, IL, ID, CO, CA, AZ

® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® Preferred Property Programs

® Sowers Baccala Insurance Brokerage Coverages Builders Risk, CGL, Completed Operations Liab, Residential `wrap-up` Carrier Status Non-admitted States NV, CA, AZ ® Worldwide Facilities, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, GL, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Completed Operations Liab, Employee Benefits, GL, Liability, Pollution Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States

Coverages Boiler & Machinery, Environmental Liab, Equipment Breakdown, Excess Liab, Umbrella Carrier Status Admitted States Most States

® RISCO, Inc. Coverages CGL, D&O, Property Carrier Status Non-admitted States RI, NH, ME, MA, CT ® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Property Carrier Status Admitted States NV, CA, AZ ® Superior Access Insurance Services Coverages Auto Comm-Standard, Garage Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® TAPCO Underwriters, Inc. Coverages D&O, GL, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® The Distinguished Programs Group Coverages Boiler & Machinery, CGL, Crime, D&O, Property, Umbrella Carrier Status Admitted States Most States

® Worldwide Facilities, Inc. of Phoenix Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, GL, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, GL, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, GL, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States ® Wrap Up Insurance Solutions Coverages Excess Liab, Liability, Workers’ Comp States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N37

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Consultants-All Kinds

Consultants-Environmental

® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted S tates Most States

® Access E&S Insurance Services (CA) Coverages Environmental Liab, GL, Professional Liab Carrier Status Admitted, Non-admitted States NV, NJ, MD, ID, DE, CO, CA, AZ, TX, VA, WA, DC

® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States

® Builder’s & Tradesmen’s Insurance Svcs.

Coverages Contractors Equip, GL, Inland Marine, Property Carrier Status Admitted States ID, CA, UT, TN, OR, NM ® Burns & Wilcox - All Offices Coverages Equipment, GL Carrier Status Admitted, Non-admitted States Most States

® Access E&S Insurance Services (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ

® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States All States

® Beacon Hill Associates, Inc. Coverages CGL, E&O, Pollution States Most States

® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE

® Bonding and Insurance Specialists Agency, Inc. Coverages Environmental Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

® Brown & Brown of California, Inc. - Programs Coverages E&O, Professional Liab Carrier Status Admitted States All States

® Environmental Insurance Agency (EIA) Coverages Environmental Liab, GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States Most States

® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Freberg Environmental, Inc. Coverages CGL, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

® CID Insurance Programs, Inc. Coverages CGL, E&O, Property Carrier Status Admitted, Non-admitted States WA, VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ

® International Excess Companies Coverages CGL, E&O, Pollution Liab Carrier Status Non-admitted States All States

® Crump Insurance Services, Inc. (Memphis) Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

® M.J. Hall & Company, Inc. Coverages CGL, Excess Liab, Pollution Liab, Professional Liab, Property Carrier Status Non-admitted States AK, AZ, CA, NM

® Euclid Managers, LLC Coverages Identity Theft, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States All States

® Metcom Excess Coverages Auto Comm-Standard, CGL, E&O, Pollution Carrier Status Admitted, Non-admitted States NJ, NY, PA

® Focus Underwriters, LLC Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States VA, SC, NC

® PartnerOne Environmental Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

® Quaker Special Risk (New Jersey) Coverages GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States All States

® Jorgensen & Company Coverages EPLI, Professional Liab Carrier Status Non-admitted States All States ® KZ Insurance Brokerage, LLC Coverages BOP, E&O, Professional Liab Carrier Status Admitted, Non-admitted States AZ, CA, CO, LA, NV, TN ® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Mortgage Impairment, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ® Priority Insurance Underwriters Coverages CGL, E&O, EPLI, Excess Liab, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States AZ, CA, CO, NM, NV, OR ® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O, EPLI Carrier Status Non-admitted States All States

® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States ® Russell Bond & Co., Inc. Coverages Billing Error E&O, E&O, Employee Benefits, Escrow E&O, Managed Care, Medicare/Medicaid Billing E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Sullivan Brokers Wholesale Insurance Solutions Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States CA ® SWBC

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & Long-Term Disability, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Victor O. Schinnerer & Co. Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States ® Western Surplus Lines Agency, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Contractors Equip, Control of Well, Excess Liab, Inland Marine, Medical Payments, Misc Professional Liab, Pollution Liab Carrier Status Non-admitted States LA, NM, OK, TX

® USAssure Insurance Services, Inc. Coverages Auto Comm-Standard Liability, GL, Pollution Liab, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Contractors ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, CGL, Contractors Equip, Equipment, Inland Marine, Installation Floaters, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Align General Insurance Agency, Inc. Coverages GL, Umbrella Carrier Status Non-admitted States AZ, CA, CO, HI, NM, NV, OR, TX, UT, WA ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Equipment, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States All States ® Apollo General Ins. Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Cargo, Contractors Equip, Contractors License Bonds, Installation Floaters, Real & Business Personal Prop, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Cluett Commercial Insurance Agency, Inc. Coverages BOP, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States VT, VA, TN, SC, PA, NY, NH, NC, MA, IL, GA, FL, CT, CA ® Combined Underwriting Agency Network, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, E&O, EPLI, Excess Liab, GL, Inland Marine, Pollution, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States ® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, GL, Real & Business Personal Prop, Workers’ Comp Plus Carrier Status Non-admitted States All States ® Crump Insurance Services, Inc. (Louisiana) Coverages Builders Risk, CGL, Contractors Equip, D&O, E&O, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Memphis) Coverages Builders Risk, CGL, Contractors Equip, D&O, E&O, Excess Liab, GL, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Portland) Coverages GL Carrier Status Non-admitted States WA, OR, MT, ID ® Crump Insurance Services, Inc. (Seattle) Coverages GL Carrier Status Non-admitted States WA, OR, MT, ID ® Financial Risk Solutions, Inc. Coverages Boiler & Machinery, Equipment Breakdown Carrier Status Admitted States All States ® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States CT, VT, NY, NJ, NH, MA, IL ® Focus Underwriters, LLC Coverages CGL, Contractors Equip, Performance & Payment Bonds Carrier Status Non-admitted States VA, SC, NC ® General Agency Services, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Liability, Property Carrier Status Admitted States CA ® GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability Carrier Status Admitted States Most States

® Appalachian Underwriters, Inc. Coverages GL, Inland Marine Carrier Status Admitted, Non-admitted States Most States

® Gorst Co. Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States CA

® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

® Heritage General Agency Coverages CGL, Contractors Equip Carrier Status Admitted States WA, CA

® Arrowhead General Insurance Agency, Inc. Coverages Employee Benefits, GL, Workers’ Comp Carrier Status Admitted States All States ® Atlantic Casualty Insurance Company Coverages CGL, Inland Marine, Property Carrier Status Non-admitted States Most States ® AVRECO Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States ® Britt/Paulk Insurance Agency, Inc. Coverages Builders Risk, Combo Personal & Commercial, Contractors Equip, Environmental Liab, Equipment, Equipment Breakdown, Inland Marine, Installation Floaters, Pollution, Pollution Liab, Property, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

N38 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® High Country Insurance (a div of Hull & Co.) Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States CO ® Horizon E & S Insurance Brokerage Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, COC, Contractors Equip, Inland Marine, Liability, Property Carrier Status Admitted, Non-admitted States WA, NV, CA, AZ ® HULL & Company, Inc. - Great Falls Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Lincoln, Neb. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Contractors Equip, GL Carrier Status Non-admitted States IA, IL, KS, MO, NE, SD

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® ICAT Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States

® Ins. Innovators Agency Of New England (W Springfield) Coverages Builders Risk, Business Income, CGL, Contractors Equip, Employee Benefits, EPLI, Liability, OCP, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Sowers Baccala Insurance Brokerage Coverages Builders Risk, CGL, Completed Operations Liab, E&O, Residential `wrap-up`, Umbrella Carrier Status Non-admitted States NV, CA, AZ

® Insurance Innovators of New Jersey, Inc. Coverages Contractors Equip, EPLI, Liability, Medical Payments, Umbrella Carrier Status Non-admitted States NY, NJ ® Insurance Innovators, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, EPLI, Excess Liab, GL, Inland Marine, Liability, Medical Payments, Pollution, Residential Property, Residential `wrap-up`, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ, MD, DE ® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Admitted States WA, UT, OR, NV, CA, AZ ® MacNeill Group, Inc., CMGA Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property, Umbrella Carrier Status Non-admitted States FL ® N-Surance Outlets, Inc. (Florida) Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine, Liability, OCP, Property Carrier Status Non-admitted States FL ® N-Surance Outlets, Inc. (Georgia) Coverages Contractors Equip, Inland Marine, Liability, Property Carrier Status Non-admitted States GA, LA, TN ® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Products Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® NCIS - A member of Texans Insurance Group Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Employee Benefits, Excess Liab, GL, Inland Marine, Medical Payments, Products Liab, Residential Property Carrier Status Admitted, Non-admitted States Most States ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States NV, CA, AZ ® OnPoint Underwriting Coverages Builders Risk, Contractors Equip, Equipment, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States All States ® Prime Insurance Coverages Blanket Wrongful Acts, Excess Liab, Liability Carrier Status Admitted, Non-admitted States Most States ® Priority Insurance Underwriters Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Excess Liab, GL, Liability, Pollution Liab, Residential `wrap-up` Carrier Status Admitted, Non-admitted States TX, OR, NV, NM, CO, CA, AZ ® Professional Underwriters Agency, Inc. Coverages EPLI, Pollution Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States ® Quaker Special Risk (Georgia) Coverages Blanket Addt’l Insureds, EPLI Carrier Status Non-admitted States Most States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Non-admitted States All States ® RLI Transportation Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States Most States ® Roush Insurance Services, Inc. Coverages Addt’l Expense, Auto Comm-Standard Liability & Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Contractors Equip, Contractors License Bonds, Equipment Breakdown, Excess Liab, Fidelity Bonds,Fire Legal Liab, GL, Glass, Inland Marine, Installation Floaters, Liability, Mechanical Breakdown, Medical Payments, OCP, Performance & Payment Bonds, Pollution Liab, Pool & Spa Liab, Portable Equip, Products Liab, Property, Real & Business Personal Prop, Rented Property, Tools & Equip, Truck Auto Liab Carrier Status Admitted, Non-admitted States OH, IN, IL ® RSI International, Inc. (Missouri) Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Difference in Conditions, Equipment Breakdown, Excess Liab, Fire, Inland Marine, Installation Floaters, Liability, Medical Payments, OCP, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States AR, IA, IL, IN, KS, KY, MO, OK, TN

www.insurancejournal.com

® Worldwide Facilities, Inc. of Georgia Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

® Sterling Underwriters Coverages CGL, GL Carrier Status Non-admitted States WI, MO, IN, IL, CO ® TAPCO Underwriters, Inc. Coverages GL, Products Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® Texans Insurance Group Coverages CGL, Excess Liab, GL Carrier Status Admitted, Non-admitted States Most States ® The INSCO/DICO Group Coverages Contractors License Bonds, Performance & Payment Bonds Carrier Status Admitted States Most States ® Trans Cal Associates Coverages Auto Comm-Standard, GL Carrier Status Non-admitted States CA ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ ® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States All States ® USG Insurance Services, Inc. Coverages Contractors Equip, D&O, Inland Marine, Installation Floaters, OCP, Tools & Equip, Umbrella, USL&H Carrier Status Non-admitted States Most States ® Victor O. Schinnerer & Co. Coverages Pollution, Pollution Liab, Professional Liab Carrier Status Non-admitted States All States ® Western Security Surplus Insurance Brokers, Inc. Coverages Blanket Addt’l Insureds, Builders Risk, CGL, COC, Completed Operations Liab, Contractors Equip, Fire Legal Liab, Medical Payments, New Occurrence, Pollution Liab, Tools & Equip Carrier Status Admitted, Non-admitted States TX, CA ® Westrope Insurance Managers of Florida, LLC Coverages GL, Inland Marine Carrier Status Non-admitted States GA, FL ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

® Worldwide Facilities, Inc. of San Francisco Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Yates & Associates Ins. Services Coverages CGL, Commercial Excess, Contractors Equip Carrier Status Admitted, Non-admitted States CA

Contractors-Air Conditioning ® Brecht & Associates Coverages CGL, Contractors Equip, GL, Umbrella Carrier Status Non-admitted States TX ® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Alarm ® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

Insurance for Security Officer, Investigation, Background Screening and Electronic Alarm Firms Marc Katz I Principal, Open Brokerage mkatz@mechanicgroup.com 800 -214- 0207 Ext.105

We will work for your business.

Find out why hundreds of retail agencies depend on us for comprehensive insurance products, expertise and competitive pricing.

We offer Broad Form programs with a wide range of coverage options: Commercial Liability Workers Compensation Commercial Umbrella/Excess Liability Third Party Fidelity (Employee Dishonesty)

We work for it.

Our exclusive programs utilize “A” or better A.M. Best rated insurers and are available in all 50 states.

www.mechanicgroup.com June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N39

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Brownyard Group Coverages GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Brownyard Programs Ltd. Coverages Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Costanza Insurance Agency, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® CoverX Corporation Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States ® Izzo Insurance Services, Inc. Coverages Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Professional Liab, Property Carrier Status Non-admitted States AK, AZ, CA, NM ® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States

® The Mechanic Group, Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Artisan ® 5Star Business Auto Program (Misc. classes), formerly

® Commodore Insurance Services, Inc. Coverages Builders Risk, CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Property, Tools & Equip, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CO, CA, AZ ® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States ® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA ® Delta General Agency Corp.

Coverages GL Carrier Status Non-admitted States TX ® Focus Underwriters, LLC Coverages CGL, Contractors Equip Carrier Status Admitted, Non-admitted States VA, SC, NC ® GMI Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability States Most States ® Horizon E & S Insurance Brokerage Coverages Auto Comm-Standard, COC, Contractors Equip, Liability, Property Carrier Status Admitted, Non-admitted States WA, NV, CA, AZ ® HULL & Company, Inc. - Albuquerque Coverages CGL, Contractors Equip, Residential Property Carrier Status Non-admitted States AZ, NM ® HULL & Company, Inc. - Charlotte Coverages CGL, Contractors Equip, Nonowned & Hired Auto, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA

® National Advantage Insurance Services, Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States CA ® Norman-Spencer Agency, Inc. Coverages Excess Liab, GL Carrier Status Admitted, Non-admitted S tates All States ® OnPoint Underwriting Coverages Builders Risk, Contractors Equip, Equipment, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States All States ® Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, EPLI Carrier Status Non-admitted States VT, RI, PA, NY, NJ, ME, MD, DE, CT ® RPS-Leicht General Agency Coverages Auto Comm-Nonstandard, Equipment, GL Carrier Status Non-admitted States TX ® South Texas General Insurance Agency Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX ® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States ® Sowers Baccala Insurance Brokerage Coverages CGL, Completed Operations Liab, Residential `wrap-up`, Umbrella Carrier Status Non-admitted States NV, CA, AZ ® Tangram Insurance Services Coverages CGL, GL, Liability, Workers’ Comp Carrier Status Admitted States CA

® HULL & Company, Inc. - Dallas Coverages CGL, Contractors Equip Carrier Status Non-admitted States TX

® Target Marketing Ins. Services, Inc. Coverages EPLI, Workers’ Comp Carrier Status Admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL

® HULL & Company, Inc. - Denver Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States CO

® Trans Cal Associates Coverages CGL, GL Carrier Status Non-admitted States CA

® HULL & Company, Inc. - Honolulu Coverages Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States HI

® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ ® USX/S

Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

® HULL & Company, Inc. - Jacksonville Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States FL

® Abram Interstate Insurance Services, Inc. Coverages Equipment, GL, Property Carrier Status Admitted, Non-admitted States CA, AZ

® HULL & Company, Inc. - Kalispell Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Contractors Equip, GL Carrier Status Non-admitted States ID, MT, WY

® W.A.Schickedanz Agency, Inc. Coverages CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Excess Liab, GL, Medical Payments, Property Carrier Status Admitted, Non-admitted States MO, IL, AR

® Advanced E&S Insurance Underwriters Coverages Business Income, CGL, Contractors Equip, GL, Inland Marine, Liability, OCP, Personal Property, Products Liab, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted, Non-admitted States WI, OH, NE, MO, MN, MI, KY, KS, IN, IL, IA

® HULL & Company, Inc. - New Orleans Coverages Contractors Equip, GL Carrier Status Non-admitted States LA

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

® American Safety Insurance Services, Inc. Coverages CGL, GL Carrier Status Non-admitted States Most States

® HULL & Company, Inc. - Stockton Coverages Commercial Excess, Contractors Equip, GL Carrier Status Non-admitted States CA

BISYS

® American Team Managers Ins. Services, Inc. Coverages GL, Property, Workers’ Comp Carrier Status Admitted, Nonadmitted States UT, TX, NY, NV, NM, IL, FL, CO, CA, AZ

® HULL & Company, Inc. - Newport Beach Coverages Contractors Equip, GL Carrier Status Non-admitted States CA

® HULL & Company, Inc. - Tampa Bay Coverages Contractors Equip, GL Carrier Status Non-admitted States FL

® American Underwriting Managers Coverages Builders Risk, CGL, Inland Marine, Installation Floaters, Property, Umbrella Carrier Status Non-admitted States TX, NM, LA, AR

® iii of Maryland, Inc. Coverages Blanket Addt’l Insureds, Builders Risk, CGL, Contractors Equip Carrier Status Admitted, Non-admitted States DE, MD, VA

® Apollo General Ins. Agency, Inc. Coverages Auto Comm-Standard, Equipment, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Independent Brokers & Agents of the West (IBA West) Coverages Auto Comm-Standard, GL, Property Carrier Status Admitted States WA, CA

® Appalachian Underwriters, Inc. Coverages GL, Inland Marine Carrier Status Admitted, Non-admitted States Most States

® Insurance Center Special Risks Ltd Coverages Fire Legal Liab, GL, Medical Payments Carrier Status Non-admitted States VT, RI, NY, NH, ME, MA, CT

® Arrowhead General Insurance Agency, Inc. Coverages Auto Comm-Standard, GL, Liability, Property, Tools & Equip Carrier Status Admitted States WA, OR, NV, CA, AZ

® Ins. Innovators Agency Of New England (Scarborough) Coverages Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, E&O, Employee Benefits, EPLI, Fire, GL, Herbicide & Pesticide, Liability, Motor Truck Cargo, OCP, Professional Liab, Tools & Equip, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Braishfield Associates, Inc. Coverages Business Income, CGL, Contractors Equip, Contractors License Bonds, EPLI, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, CGL, Contractors Equip, GL, Property, Tools & Equip, Umbrella Carrier Status Non-admitted States TX ® Builder’s & Tradesmen’s Insurance Svcs.

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, Contractors Equip, Excess Liab, Inland Marine, Property, Trip Cancellation, Tuition Refund, Umbrella Carrier Status Admitted States CA ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Chamber Insurance Agency Services Coverages Umbrella, Workers’ Comp Carrier Status Admitted States All States

® Lemac General Agency Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL Carrier Status Admitted, Non-admitted States CA ® Logic Underwriters, Inc. Coverages GL, Umbrella, Workers’ Comp Carrier Status Non-admitted States TX ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Employee Benefits, EPLI, Pollution Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® MacNeill Group, Inc., CMGA Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property, Umbrella Carrier Status Non-admitted States FL ® Monarch E&S Insurance Services Coverages GL, Inland Marine Carrier Status Admitted States CA

N40 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Coverages CGL, Commercial Excess, Contractors Equip, EPLI, Motor Truck Cargo, Pollution Liab Carrier Status Admitted, Non-admitted States All States

® Worldwide Facilities, Inc. of Georgia Coverages CGL, Completed Operations Liab, Excess Liab, GL, Liability, Umbrella Carrier Status Non-admitted States All States

Contractors-Crane & Rigging ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Care/Custody/Control, CGL, Contractors Equip, Equipment, Hoist/Haul-out, Inland Marine, Installation Floaters, Motor Truck Cargo, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Apollo General Ins. Agency, Inc. Coverages Auto Comm-Standard, Equipment, GL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Britt/Paulk Insurance Agency, Inc.

Coverages Builders Risk, Combo Personal & Commercial, Contractors Equip, Equipment, Inland Marine, Installation Floaters, Pollution, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® NCIS - A member of Texans Insurance Group Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Excess Liab, Fire Legal Liab, GL, Medical Payments, Property Carrier Status Admitted, Non-admitted States Most States ® Norman-Spencer Agency, Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine Carrier Status Admitted, Non-admitted States All States ® OnPoint Underwriting Coverages Contractors Equip, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States ® Texans Insurance Group Coverages CGL, Excess Liab, GL Carrier Status Admitted, Non-admitted States Most States

Contractors-Demolition ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Apollo General Ins. Agency, Inc. Coverages Accident & Health, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Cargo, Employee Benefits, Environmental Liab, EPLI, Equipment, GL, Int’l Coverage - Commercial, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Bonding and Insurance Specialists Agency, Inc. Coverages Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States Most States

® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States All States

® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Pollution Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

® CNA

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto

Comm-Standard Liability, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States All States ® DVUA (W Va.), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Horsham Coverages GL, Inland Marine Carrier Status Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, Commercial Excess, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Electrical ® 5Star Lumber Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Beacon Hill Associates, Inc. Coverages CGL, E&O, Pollution States All States

® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, D&O, E&O, Environmental Liab, EPLI, Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, KY, NM, NV, OK, TX ® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States ® Tangram Insurance Services Coverages CGL, GL, Liability, Workers’ Comp Carrier Status Admitted States CA ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Elevators ® Burnham + Company Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Builders Risk, Business Interruption, CGL, Contractors Equip, Employee Benefits, Excess Liab, GL, Inland Marine, Installation Floaters, Liability, OCP, Pollution, Products Liab, Property, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States ® Financial Risk Solutions, Inc. Coverages Service Contracts Carrier Status Admitted States All States

Contractors-Environmental ® Access E&S Insurance Services (CA) Coverages CGL, Environmental Liab, Professional Liab Carrier Status Non-admitted States NV, ND, MD, ID, DE, CO, CA, AZ, TX, VA, WA, DC

www.insurancejournal.com

® HULL & Company, Inc. - Denver Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States CO

® High Country Insurance (a div of Hull & Co.) Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip, Environmental Liab Carrier Status Non-admitted States CO

® Ins. Innovators Agency Of New England (Scarborough) Coverages CGL, Contractors Equip, Installation Floaters, Liability, Medical Payments, OCP, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® HULL & Company, Inc. - Stockton Coverages Commercial Excess, Contractors Equip, Environmental Liab, GL Carrier Status Non-admitted States CA

® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Non-admitted States CA, AZ

® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Environmental Liab, Excess Liab, Pollution Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ, AK

® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, KY, NM, NV, OK, TX

® PartnerOne Environmental Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States

® Ins. Innovators Agency Of New England (Scarborough) Coverages Care/Custody/Control, CGL, Commercial Excess, Contractors Equip, E&O, Lost Key, Medical Payments, OCP, Professional Liab, Tools & Equip, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

® HULL & Company, Inc. - Kalispell Coverages Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States ID, MT, WY

® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

® HULL & Company, Inc. - Stockton Coverages Commercial Excess, Contractors Equip, GL Carrier Status Non-admitted States CA

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Environmental Insurance Agency (EIA) Coverages Environmental Liab, GL, Pollution Liab, Professional Liab Carrier Status Non-admitted States Most States

® Metcom Excess Coverages Auto Comm-Standard, CGL, E&O, Pollution Carrier Status Admitted, Non-admitted States NJ, NY, PA

® HULL & Company, Inc. - Newport Beach Coverages Contractors Equip, GL Carrier Status Non-admitted States CA

® Builder’s & Tradesmen’s Insurance Svcs.

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States CA

® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States All States

® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Brecht & Associates Coverages CGL, Contractors Equip, GL, Umbrella Carrier Status Non-admitted States TX

® HULL & Company, Inc. - Honolulu Coverages Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States HI

Environmental Liab, Equipment, Equipment Breakdown, Excess Liab, Inland Marine, Installation Floaters, Personal Property, Pollution, Pollution Liab, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States Most States ® USAssure Insurance Services, Inc. Coverages Auto Comm-Standard Liability, CGL, Excess Liab, Pollution Liab, Professional Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® USX/S

Coverages CGL, Pollution, Pollution Liab, Professional Liab, Umbrella Carrier Status Non-admitted States All States

® Worldwide Facilities, Inc. of Georgia Coverages CGL, Commercial Excess, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages CGL, Commercial Excess, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, Commercial Excess, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Excavating/Grading ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, CGL, Contractors Equip, Equipment, Inland Marine, Installation Floaters, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States NV, CA, AZ ® NIP Group, LLC Coverages Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, GL, Inland Marine, Pollution Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® OnPoint Underwriting Coverages Contractors Equip, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ ® W.A.Schickedanz Agency, Inc. Coverages CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Excess Liab, GL, Medical Payments, Property Carrier Status Admitted, Non-admitted States MO, IL, AR ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Explosives/Blasting/Drilling ® Casualty & Surety, Inc. Coverages CGL, Excess Liab, GL Carrier Status Non-admitted States All States

Contractors-Fire & Water Restoration ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States All States ® Colemont Insurance Brokers- Hartford Coverages Contractors Equip, Fire Legal Liab, GL, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Norman-Spencer Agency, Inc. Coverages GL, Pollution Liab Carrier Status Non-admitted States All States

Contractors-Fire Protection/Fire Sprinkler

® Brecht & Associates Coverages CGL, Contractors Equip, GL, Umbrella Carrier Status Non-admitted States TX ® Britt/Paulk Insurance Agency, Inc. Coverages Boiler & Machinery, Builders Risk, Catastrophe, Combo Personal & Commercial, Commercial Excess, Contractors Equip, Crime,

® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N41

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, Crime, E&O, GL, Inland Marine, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- Texas (Dallas) Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

® Chamber Insurance Agency Services Coverages Environmental Liab, Workers’ Comp Carrier Status Admitted States All States

® Colemont Insurance Brokers- Texas (Houston) Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States ® CoverX Corporation Coverages Excess Liab, GL, Professional Liab, Umbrella Carrier Status Non-admitted States Most States ® Horizon E & S Insurance Brokerage Coverages GL, Liability Carrier Status Admitted, Non-admitted States NV, CA ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Property Carrier Status Non-admitted States NV, CA, AZ, AK ® Vulcan Excess & Surplus Insurance Coverages Fire Legal Liab, GL Carrier Status Non-admitted States CA

Contractors-General ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, CGL, Contractors Equip, Equipment, Inland Marine, Installation Floaters, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Align General Insurance Agency, Inc. Coverages GL, Umbrella Carrier Status Non-admitted States AZ, CA, CO, HI, NM, NV, OR, TX, UT, WA

® Colemont Insurance Brokers- Woodland Hills Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Commodore Insurance Services, Inc. Coverages CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Property, Residential `wrap-up`, Tools & Equip, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CO, CA, AZ ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States ® Construction Insurance Solutions Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States ® Crump Insurance Services, Inc. (Dallas) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Memphis) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States ® DVUA (W Va.), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States All States ® Environmental Insurance Agency (EIA) Coverages GL, Pollution Liab States Most States

® American Team Managers Ins. Services, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Fire Legal Liab, GL, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States UT, TX, NY, NV, NM, IL, FL, CO, CA, AZ

® High Country Insurance (a div of Hull & Co.) Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL Carrier Status Non-admitted States CO

® Appalachian Underwriters, Inc. Coverages GL, Inland Marine Carrier Status Admitted, Non-admitted States Most States

® Horizon E & S Insurance Brokerage Coverages Auto Comm-Standard, Contractors Equip, Inland Marine, Liability Carrier Status Admitted, Non-admitted States WA, NV, CA, AZ

® Arrowhead General Insurance Agency, Inc. Coverages GL, Workers’ Comp Carrier Status Admitted States All States

® HULL & Company, Inc. - Albuquerque Coverages CGL, Contractors Equip, Residential Property Carrier Status Non-admitted States AZ, NM

® Britt/Paulk Insurance Agency, Inc.

Coverages Builders Risk, Catastrophe, Combo Personal & Commercial, Contractors Equip, Equipment, Equipment Breakdown, Inland Marine, Installation Floaters, Personal Property, Pollution Liab, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Builder’s & Tradesmen’s Insurance Svcs.

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Builders Risk, CGL, Contractors Equip, Equipment, Inland Marine, Property, Tools & Equip Carrier Status Non-admitted States CA ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Casualty & Surety, Inc. Coverages CGL, Excess Liab, GL Carrier Status Non-admitted States All States ® Colemont Insurance Brokers - Atlanta Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Hartford Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages Builders Risk, CGL, Contractors Equip, Excess Liab, GL, Inland Marine, Liability, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

N42 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® HULL & Company, Inc. - Dallas Coverages CGL, Commercial Excess Carrier Status Non-admitted States TX ® HULL & Company, Inc. - Denver Coverages CGL, Property Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Fort Lauderdale Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Horsham Coverages GL, Inland Marine Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Jacksonville Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Stockton Coverages CGL, Commercial Excess Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages GL, Umbrella Carrier Status Non-admitted States FL ® Ins. Innovators Agency Of New England (W Springfield) Coverages Business Income, CGL, Completed Operations Liab, Contractors Equip, E&O, EPLI, GL, OCP, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® MacNeill Group, Inc., CMGA Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property, Umbrella Carrier Status Non-admitted States FL ® Monarch E&S Insurance Services Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States CA ® OnPoint Underwriting Coverages Builders Risk, Contractors Equip, Equipment, Inland Marine, Installation Floaters Carrier Status Admitted, Non-admitted States All States ® Priority Insurance Underwriters Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Contractors Equip, Excess Liab, GL, Liability, Pollution Liab, Residential `wrap-up` Carrier Status Admitted, Non-admitted States TX, OR, NV, NM, CO, CA, AZ

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Quaker Special Risk (Florida) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New York) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Contractors Equip, GL, Liability, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States ® RPS-Leicht General Agency Coverages Auto Comm-Nonstandard, GL Carrier Status Non-admitted States TX

® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Non-admitted States CA, AZ ® KZ Insurance Brokerage, LLC Coverages GL, Inland Marine, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted, Non-admitted States AZ, CA, CO, LA, NV, TN ® Landscape Contractors Insurance Services, Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, GL, Herbicide & Pesticide, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp States AZ, CA, NV ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® McGraw Insurance Services Coverages Herbicide & Pesticide, Liability, Property Carrier Status Admitted States CA

® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States

® NIP Group, LLC Coverages Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, EPLI, Herbicide & Pesticide, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

® Pacific Specialty Insurance Co. Coverages Herbicide & Pesticide, Liability, Property Carrier Status Admitted States CA

® Sterling Underwriters Coverages CGL, GL Carrier Status Non-admitted States WI, MO, IN, IL, CO

® Priority Insurance Underwriters Coverages Blanket Addt’l Insureds, CGL, Contractors Equip, GL, Liability Carrier Status Admitted, Non-admitted States TX, OR, NV, NM, CO, CA, AZ

® Westrope Coverages GL, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States ® Worldwide Facilities, Inc. Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Ship Repairers Legal, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages CGL, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, E&O, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Ship Repairers Legal, Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Landscape ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States ® Atlantic Casualty Insurance Company Coverages CGL, Inland Marine, Property Carrier Status Non-admitted States Most States ® Brecht & Associates Coverages CGL, Contractors Equip, GL, Umbrella Carrier Status Non-admitted States TX ® Builder’s & Tradesmen’s Insurance Svcs.

Coverages CGL, Equipment, Inland Marine, Property Carrier Status Admitted, Non-admitted States CA ® Construction Insurance Solutions Coverages Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States ® HULL & Company, Inc. - Honolulu Coverages Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States HI

www.insurancejournal.com

® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ

® Western Surplus Lines Agency, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Cargo, CGL, Control of Well, Inland Marine, Medical Payments, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Rented Property, Tools & Equip Carrier Status Non-admitted States LA, NM, OK, TX ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States ® Worldwide Facilities, Inc. Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages Care/Custody/Control, CGL, COC, Commercial Excess, Control of Well, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Inland Marine, Liability, New Occurrence, Physical Damage, Pollution Liab, Professional Liab, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States All States

Contractors-Roofing

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Marine ® Britt/Paulk Insurance Agency, Inc. Coverages Environmental Liab, Equipment, Equipment Breakdown, GL, Nonowned & Hired Auto, Physical Damage, Pollution Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States Most States ® LIG Marine Managers Coverages CGL, Contractors Equip, Equipment, Federal LHWCA, Foreign GL, Hull, Int’l Coverage - Commercial, Pollution Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Wet Marine, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States ® WFT, Inc. Coverages Boats, CGL, Commercial Marine, Excess Liab, GL, Hull, Legal Liab, Liability, Marina Operators Legal, Umbrella, Watercraft Liab, Wet Marine Carrier Status Admitted States WA, VA, TX, SC, PA, NJ, NH, NC, MS, MD, MA, LA, GA, FL, CA, AL

Contractors-Oil & Gas ® 5Star Business Auto Program (Misc. classes), formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States OH, MI, IL, GA, FL

® Burnett & Company, Inc. Coverages CGL, Umbrella Carrier Status Non-admitted States All States ® Casualty & Surety, Inc. Coverages CGL, Excess Liab, GL Carrier Status Non-admitted States All States

® 5Star Lumber Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, CGL, Contractors Equip, Equipment, Inland Marine, Installation Floaters, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Appalachian Underwriters, Inc. Coverages GL, Inland Marine Carrier Status Admitted, Non-admitted States Most States ® Brecht & Associates Coverages CGL, Contractors Equip, GL, Umbrella Carrier Status Non-admitted States TX ® Casualty & Surety, Inc. Coverages CGL, Excess Liab, GL Carrier Status Non-admitted States All States ® Combined Underwriting Agency Network, Inc. Coverages CGL, Contractors Equip, EPLI, Excess Liab Carrier Status Non-admitted States PA, NY, NJ ® Commodore Insurance Services, Inc. Coverages CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Property, Tools & Equip, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Non-admitted States CA ® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop Carrier Status Non-admitted States Most States ® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States NJ, NY ® HULL & Company, Inc. - Albuquerque

® Crump Insurance Services, Inc. (Dallas) Coverages Liability, Umbrella Carrier Status Admitted, Non-admitted States All States

Coverages CGL, Contractors Equip Carrier Status Non-admitted S tates AZ, NM

® HULL & Company, Inc. - Dallas Coverages CGL, Contractors Equip Carrier Status Non-admitted States TX

® M.J. Hall & Company, Inc.

® HULL & Company, Inc. - Denver Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Property Carrier Status Non-admitted States CO

® McClelland and Hine, Inc. Coverages Liability, Umbrella Carrier Status Non-admitted States TX

® HULL & Company, Inc. - Fort Lauderdale Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Contractors Equip Carrier Status Non-admitted States FL

Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property, Wet Marine Carrier Status Non-admitted States AK, AZ, CA, NM

® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States

® HULL & Company, Inc. - Honolulu Coverages Contractors Equip, GL, Inland Marine Carrier Status Non-admitted States HI

® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States ® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States All States

® HULL & Company, Inc. - Jacksonville Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Contractors Equip, GL Carrier Status Non-admitted States FL

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N43

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® HULL & Company, Inc. - Stockton Coverages Commercial Excess, Contractors Equip, GL Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages Contractors Equip, GL, Property Carrier Status Non-admitted States FL ® iii of Maryland, Inc. Coverages Contractors Equip, Excess Liab, GL, Installation Floaters, Property, Umbrella Carrier Status Admitted, Non-admitted States MD ® Ins. Innovators Agency Of New England (Scarborough) Coverages CGL, Contractors Equip, Installation Floaters, Medical Payments, OCP, Products Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Non-admitted States NV, CA, AZ, AK ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Norman-Spencer Agency, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, GL, Pollution Liab Carrier Status Admitted, Non-admitted States All States ® Norman-Spencer International, Inc. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Quaker Special Risk (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (Mass.)

Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New York) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® South Texas General Insurance Agency Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX ® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Service ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Contractors-Swimming Pools ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States LA, AZ, AR, AK, NM, NV, OK, TX

Contractors-Underground Storage Tank Construction

® N-Surance Outlets, Inc. (Georgia) Coverages Business Income, Liability, Liquor Liab, Property Carrier Status Non-admitted States GA, LA, TN

® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

® Roush Insurance Services, Inc. Coverages Business Income, Equipment Breakdown, Food Spoilage, Liability, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL

Convenience Stores ® Advanced E&S Insurance Underwriters Coverages Assault & Battery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Fire, Food Spoilage, GL, Glass, Liability, Liquor Liab, Personal Property, Property, Real & Business Personal Prop, Spoilage Carrier Status Admitted, Non-admitted States WI, OH, NE, MO, MN, MI, KY, KS, IN, IL, IA ® American Management Corporation Coverages Auto Comm-Standard Liability, Business Interruption, Crime, EPLI, GKLL, GL, Inland Marine, Legal Expense Ins, Legal Liab, Pollution Liab, Property, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® American Safety Insurance Services, Inc. Coverages Commercial Excess, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® American Underwriting Managers Coverages Business Income, CGL, Environmental Liab, Liquor Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR ® Braishfield Associates, Inc. Coverages BOP, Business Income, CGL, EPLI, Liquor Liab, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Compass Insurance Group of Agencies Coverages Business Income, CGL, Glass, Property, Spoilage Carrier Status Non-admitted States CA

® Gorst Co. Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States CA

® Financial Risk Solutions, Inc. Coverages Service Contracts Carrier Status Admitted States All States ® KZ Insurance Brokerage, LLC Coverages Auto Comm-Standard, Completed Operations Liab, Contractors Equip, GL, Installation Floaters, WC - Master Policies/ASO Carrier Status Admitted, Non-admitted States AZ, CA, CO, LA, NV, TN ® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® Monarch E&S Insurance Services Coverages Blanket Addt’l Insureds, CGL Carrier Status Non-admitted States CA ® Trans Cal Associates Coverages CGL, GL Carrier Status Non-admitted States CA ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Completed Operations Liab, Excess Liab, GL, Products Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ

® McLeckie Insurance Group Coverages Business Income, Crime, EPLI, Equipment, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

® Bonding and Insurance Specialists Agency, Inc. Coverages Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Non-admitted States Most States

® CNA

® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States

® McClelland and Hine, Inc. Coverages Crime, Fire, Liability, Liquor Liab, Pollution Carrier Status Non-admitted States TX

® N-Surance Outlets, Inc. (Florida) Coverages Business Income, Fire Legal Liab, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States FL

® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

Comm-Standard Liability, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® MarketScout Coverages CGL, Property Carrier Status Admitted, Non-admitted States All States

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Builder’s & Tradesmen’s Insurance Svcs.

Coverages CGL, Equipment, Inland Marine, Umbrella Carrier Status Admitted, Non-admitted States CA Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto

® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY

® Gridiron Insurance Underwriters, Inc. Coverages CGL, Crime, Garage Keepers Legal Liab, GL, Liability, Liquor Liab, Property Carrier Status Non-admitted States NY, NC, MS, MO, MN, MI, LA, GA, FL, CO, AL, VA, TX, TN, SC, PA ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® Hylant Group Coverages BOP, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® III Special Risk, Inc. Coverages CGL, Crime, Fire, Fire Legal Liab, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® Insurance Innovators, Inc. Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, GL, Liability, Liquor Liab, Mechanical Breakdown, Medical Payments, Nonowned & Hired Auto, Pollution, Property, Spoilage, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ, MD, DE ® M.J. Hall & Company, Inc. Coverages CGL, Crime, EPLI, Excess Liab, Liquor Liab, Pollution, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

N44 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX ® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA, WA, DC ® Western Security Surplus Insurance Brokers, Inc. Coverages Business Interruption, CGL, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, New Occurrence, Property Carrier Status Admitted, Non-admitted States TX, CA

Cosmetic Manufacturers ® Brownyard Group Coverages Employee Benefits, GL, Inland Marine, Products Liab, Property Carrier Status Admitted States All States

Counselors/Counseling Centers ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Int’l Coverage - Commercial, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Medical Payments, Mental Health Care, Non-Profit D&O, Pollution Liab Carrier Status Admitted States Most States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States ® NIF Group, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Nonowned & Hired Auto, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ÂŽ Nonprofitsâ&#x20AC;&#x2122; Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ÂŽ Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ÂŽ TAPCO Underwriters, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

Country Clubs ÂŽ Aon Association Services Coverages D&O Carrier Status Admitted States Most States ÂŽ Bollinger, Inc. Coverages Boiler & Machinery, CGL, Crime, D&O, Excess Liab, Identity Theft, Property, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States ÂŽ Braishfield Associates, Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, EPLI, Fidelity, Fine Arts, GKLL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Teeto-Green, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States ÂŽ Fairway Underwriters Coverages Business Income, CGL, Earthquake, Equipment, Equipment Breakdown, Errant Ball, Herbicide & Pesticide, Property, Tee-to-Green, Umbrella, Weather, Windstorm Carrier Status Admitted, Non-admitted States Most States ÂŽ First Cardinal, LLC Coverages Commercial Excess, Disability, Workersâ&#x20AC;&#x2122; Comp States IL, VT, NY, NJ, NH, MA, CT ÂŽ H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ÂŽ Haylor, Freyer & Coon, Inc. Coverages Auto Comm-Standard, Business Income, Business Interruption, CGL, Commercial Excess, Commercial Marine, Crime, Equipment, Liquor Liab, Nonowned & Hired Auto, Pollution, Property, Tee-to-Green, Tools & Equip, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States Most States ÂŽ KZ Insurance Brokerage, LLC Coverages Auto Comm-Standard, BOP, Equipment, Professional Liab, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States TN, NV, LA, CO, CA, AZ ÂŽ Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ÂŽ Venture Insurance Programs Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States

Couriers ÂŽ Apollo General Ins. Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Cargo, EPLI, Excess Liab, Professional Liab, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States WA, VA, TX, SC, OR, NM, NJ, NC, MS, MD, GA, FL, DE, CA, AZ ÂŽ Crump Insurance Services, Inc. (Dallas) Coverages Auto Comm-Standard, Cargo, Physical Damage Carrier Status Admitted, Non-admitted States All States

ÂŽ KBS International Corp.

Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Cargo, CGL, Crime, E&O, EPLI, Equipment, Fidelity, Nonowned & Hired Auto, Occupational Accident, Property, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States

ÂŽ National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ÂŽ RLI Transportation Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States Most States

www.insurancejournal.com

Crane, Scaffolding & Equipment Rental Dealers ÂŽ A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Bailee/Customer Goods, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Blanket Waivers, Business Income, Care/Custody/Control, CGL, Contractors Equip, Equipment, Inland Marine, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

ÂŽ Wildlife Insurance Underwriters, LLC Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Disability, Flood, Herbicide & Pesticide, Homeowners Pkg, Hull, Liability, Pollution, Property, Props, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Non-admitted States All States

Dairies ÂŽ 5Star Business Auto Program (Misc. classes), formerly BISYS

ÂŽ All Risks, Ltd. Coverages GL, Inland Marine, Umbrella, Workersâ&#x20AC;&#x2122; Comp Carrier Status Non-admitted States Most States

Coverages Auto Comm-Standard Liability, Medical Payments, Motor Truck Cargo, Physical Damage Carrier Status Admitted States OH, MI, IL, GA, FL

ÂŽ Allied Insurance Brokers, Inc. (PA) Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

ÂŽ Agricultural Insurance Mgmt Svcs.

Coverages Equipment Breakdown, Homeowners Pkg, Identity Theft, Liability, Property, Tools & Equip Carrier Status Admitted States Most States

ÂŽ Insurance Innovators, Inc. Coverages Blanket Addtâ&#x20AC;&#x2122;l Insureds, Blanket Waivers, Cargo, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, Inland Marine, Installation Floaters, Liability, Motor Truck Cargo, Physical Damage, Physical Damage Rental Units, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States Most States ÂŽ NCIS - A member of Texans Insurance Group Coverages Blanket Addtâ&#x20AC;&#x2122;l Insureds, Blanket Waivers, CGL, Contractors Equip, Excess Liab, Fire Legal Liab, GL, Medical Payments, Property Carrier Status Admitted, Non-admitted States Most States ÂŽ NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addtâ&#x20AC;&#x2122;l Insureds, Completed Operations Liab, Contractors Equip, Excess Liab, Liability, Medical Payments, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Residential `wrap-up`, Tools & Equip, Umbrella C arrier Status Admitted, Non-admitted States NV, CA, AZ ÂŽ Texans Insurance Group Coverages CGL, Excess Liab, GL Carrier Status Admitted, Non-admitted States Most States ÂŽ Western Surplus Lines Agency, Inc. Coverages CGL, Contractors Equip, Inland Marine Carrier Status Non-admitted States LA, NM, OK, TX

ÂŽ U.S. Specialty Ins. Company (Texas Non-Subscription) Coverages Accidental Death, Disability, Occupational Accident Carrier Status Admitted States TX

Dance Schools/Studios ÂŽ Access E&S Insurance Services (CA) Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States PA, NV, NJ, NC, MD, ID, DE, CO, CA, AZ, TX, VA, DC ÂŽ Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States ÂŽ Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addtâ&#x20AC;&#x2122;l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ÂŽ Insurance Center Special Risks Ltd Coverages Business Income, Crime, GL, Property, Umbrella Carrier Status Admitted States VT, RI, NY, NH, ME, MA, CT

Crop Dusters/Sprayers ÂŽ Topa Insurance Company Coverages CGL, E&O, Inland Marine, Property Carrier Status Admitted States CA

ÂŽ K & K Insurance Group, Inc. Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Workersâ&#x20AC;&#x2122; Comp Carrier Status Admitted States All States

Get a second opinion for your hard-to-place physician clients.

Canceled, declined, nonrenewed?

With PULIC, your physician clients donâ&#x20AC;&#x2122;t have to compromise coverageâ&#x20AC;&#x201D; despite their hard-to-place status. Contact us, and provide your clients with the quality coverage they need. s #OMMITTED TO SERVING THE MARKET SINCE s &INANCIALLY STRONG WITH AN ! RATING BY &ITCH 2ATINGS AND AN ! RATING BY ! - "EST #OMPANY AND &ITCH 2ATINGS s !VAILABLE FOR ALL MEDICAL SPECIALTIES IN NEARLY EVERY STATE s &LEXIBLE COVERAGE OPTIONS BROAD TO RESTRICTIVE s 2ATE INDICATION OR QUOTE FROM ANY APPLICATION

(800) 537-7362 www.pulic.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N45

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® Markel Insurance Company Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States Most States ® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States ® TAPCO Underwriters, Inc. Coverages Abuse & Molestation, GL, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

Day Care/Preschools ® A.I.I. Insurance Brokerage of Mass., Inc. Coverages Abuse & Molestation, CGL, Misc Professional Liab, Real & Business Personal Prop States MA, CT, RI ® Agency Intermediaries, Inc. Coverages Abuse & Molestation, CGL, Misc Professional Liab, Real & Business Personal Prop States MA, CT ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® American Underwriting Managers Coverages Business Income, CGL, Property, Teachers Liab, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, EPLI, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Cluett Commercial Insurance Agency, Inc. Coverages BOP, Workers’ Comp, Workers’ Comp Plus States VT, TX, TN, SC, PA, NY, NH, NC, MD, MA, LA, KY, IL, GA, FL, CT, CA ® Compass Insurance Group of Agencies Coverages CGL, Property Carrier Status Non-admitted States CA ® Focus Underwriters, LLC Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States VA, SC, NC

® Francis L. Dean & Associates, Inc.

Coverages Accidental Death, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States

® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® Monarch E&S Insurance Services Coverages Abuse & Molestation, CGL Carrier Status Non-admitted States CA ® N-Surance Outlets, Inc. (Florida) Coverages Abuse & Molestation, Business Income, Educator Legal Liab, Fire Legal Liab, Liability, Medical Payments, Professional Liab, Property Carrier Status Non-admitted States FL ® N-Surance Outlets, Inc. (Georgia) Coverages Abuse & Molestation, Business Income, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® National Advantage Insurance Services, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States CA ® Northern Ohio E & S Agency, Inc. Coverages Abuse & Molestation, Business Income, GL, Professional Liab, Property Carrier Status Non-admitted States OH ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages GL, Professional Liab, Property Carrier Status Non-admitted States CA, NV ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Dealers-Home Heating Oil ® American Management Corporation Coverages Auto Comm-Standard, Business Income, Business Interruption, CGL, EPLI, Fire Legal Liab, Inland Marine, Physical Damage, Pollution, Products Liab, Property, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted States Most States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

Dealers-Propane ® American Management Corporation Coverages Auto Comm-Standard, Business Income, Cargo, EPLI, Fire Legal Liab, GL, Inland Marine, Legal Liab, Liquor Liab, Loss of Use, Lost Key, Medical Payments, Motor Truck Cargo, Occupational Accident, Pollution Liab, Property, Transportation Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Delivery- Wholesale/Retail ® Britt/Paulk Insurance Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Billing Error E&O, Boiler & Machinery, Business Income, Crime, D&O, E&O, Environmental Liab, EPLI, Equipment, Liability, Liquor Liab, Long Haul, Loss of Use, Mechanical Breakdown, Misc Professional Liab, Motor Truck Cargo, Physical Damage, Products Liab, Professional Liab, Property, Transportation Pollution Liab, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Ron Rothert Insurance Coverages Business Income, E&O, Excess Liab, GL, Medical Payments, Property Carrier Status Non-admitted States WA, OR, ID

® Delta General Agency Corp.

Coverages Cargo, CGL Carrier Status Admitted, Non-admitted States TX

® Roush Insurance Services, Inc. Coverages Abuse & Molestation, Accident & Health, Liability, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL

Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Excess Liab, Motor Truck Cargo Carrier Status Admitted, Non-admitted States CA, AK

® South Texas General Insurance Agency Coverages GL, Property Carrier Status Non-admitted States TX ® TAPCO Underwriters, Inc. Coverages Accessories, GL, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX ® Vulcan Excess & Surplus Insurance Coverages Business Income, Business Interruption, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Glass, Property Carrier Status Non-admitted States CA ® Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

® M.J. Hall & Company, Inc.

® Metcom Excess Coverages Auto Comm-Standard, Cargo, CGL, Physical Damage, Umbrella Carrier Status Admitted States NJ ® Norman-Spencer Agency, Inc. Coverages Auto Comm-Standard Liability, Excess Liab Carrier Status Non-admitted States All States

Dentists ® KZ Insurance Brokerage, LLC Coverages Auto Comm-Standard, BOP, Professional Liab, Workers’ Comp Carrier Status Admitted States TN, NV, LA, CO, CA, AZ ® Professional Underwriters Liability Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

Day Spas

® PULIC Insurance Services, Inc. Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Western Security Surplus Insurance Brokers, Inc. Coverages Earthquake, EPLI, Fire, Liability, Personal Property, Professional Liab, Property Carrier Status Non-admitted States TX, CA

® Indemnity Excess & Surplus Agency, Inc. Coverages Abuse & Molestation, CGL, Excess Liab, Nonowned & Hired Auto, Personal Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States WA, TX, OR, NV, ID, HI, FL, CO, CA, AZ

® Continental Brokers, Inc. Coverages Accident & Health, Auto Comm-Standard, Auto PersStandard, Boiler & Machinery, BOP, Business Income, Business Interruption, EPLI, Flood, Glass, Homeowners Pkg, Medical, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted States All States

® Insurance Center Special Risks Ltd Coverages Abuse & Molestation, Business Income, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States VT, RI, NY, NH, ME, MA, CT ® Insurance Innovators, Inc. Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, EPLI, Excess Liab, Fine Arts, Fire, GL, Medical Payments, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ, MD, DE ® International Excess Companies Coverages Abuse & Molestation, Accident & Health, CGL, Commercial Excess, E&O Carrier Status Admitted States All States ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® Insurtec Tanning and Spa Insurance Coverages Addt’l Expense, BOP, Business Income, Business Interruption, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States Most States ® Philadelphia Insurance Companies Coverages Professional Liab, Property States Most States ® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Commercial Excess, GL, Personal Property, Products Liab, Professional Liab Carrier Status Non-admitted States All States ® SASSI - Salon & Spa Specialty Insurance Coverages GL, Professional Liab, Property Carrier Status Admitted States Most States

N46 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Developmental Disability Facilities ® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, Developmental Disabilities, Employee Benefits, Inland Marine, Misc Professional Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® AIRisk (formerly listed as AIG Programs) Coverages Abuse & Molestation, D&O, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States All States ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, Community/Social Svcs, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, GL, Misc Professional Liab, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Developmental Disabilities, Disability, Environmental Liab, EPLI, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical & Physical Rehab, Medical Payments, Mental Health Care, Non-Profit D&O, Nonowned & Hired Auto, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States ® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States ® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

® Britt/Paulk Insurance Agency, Inc.

Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Billing Error E&O, Boiler & Machinery, Business Income, Cargo, Catastrophe, Commercial Excess, Crime, Damage in Process, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, GL, Liability, Liquor Liab, Long Haul, Loss of Use, Mechanical Breakdown, Misc Professional Liab, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Pollution, Pollution Liab, Portable Equip, Products Liab, Professional Liab, Property, Theft, Tools & Equip, Transportation Pollution Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Brownyard Group Coverages Employee Benefits, GL, Inland Marine, Products Liab, Property Carrier Status Admitted States All States

® Joseph Chiarello & Co., Inc. Coverages CGL, Equipment Breakdown, Property, Umbrella Carrier Status Admitted States Most States ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Crime, Excess Liab, Property Carrier Status Non-admitted States NM, LA, CA, AZ, AR, AK, NV, OK, TX ® MarketScout Coverages Liability, Products Liab Carrier Status Non-admitted States All States ® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Document Destruction Co’s

® NAS Insurance Services, Inc. Coverages Builders Risk, Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Distributors ® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States ® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Crime, Fire, GL, Glass, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Appleby & Sterling Coverages Business Income, CGL, Property Carrier Status Admitted States NV, CA, AZ

® Winery Pak Insurance Programs Coverages Auto Comm-Standard, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted States Most States

® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® NAS Insurance Services, Inc. Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ® Target Insurance Services Coverages BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fidelity, Fiduciary Liab, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Liability, Medical Payments, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® World Wide Specialty Programs, Inc.

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Driving Ranges ® Haylor, Freyer & Coon, Inc. Coverages Auto Comm-Standard, Business Income, Business Interruption, CGL, Commercial Excess, Commercial Marine, Crime, Equipment, Errant Ball, Liquor Liab, Nonowned & Hired Auto, Property, Tools & Equip, Umbrella Carrier Status Admitted States Most States ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Employment Agencies ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States

Dry Cleaners/Laundries ® American Safety Insurance Services, Inc. Coverages Environmental Liab, Pollution Carrier Status Non-admitted States All States ® Gridiron Insurance Underwriters, Inc. Coverages Assault & Battery, Bailee/Customer Goods, Business Income, CGL, Crime, Liability, Property Carrier Status Non-admitted States PA, NY, NC, MS, MO, MN, MI, LA, KY, GA, FL, CO, AL, SC, TN, TX ® Intercorp, Inc. Coverages BOP, D&O, Environmental Liab, Pollution, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Irving Weber Associates, Inc. Coverages Auto Comm-Standard, Bailee/Customer Goods, Boiler & Machinery, BOP, Business Income, Care/Custody/Control, Damage in Process, Equipment Breakdown, Furriers Customers, Glass, Mechanical Breakdown, Mysterious Disappearance, Nonowned & Hired Auto, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Dude Ranches ® Gillingham & Associates Coverages Business Interruption, Crime, Excess Liab, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted States All States ® Markel Insurance Company Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Crime, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

www.insurancejournal.com

Emergency Service Org’s ® Glatfelter Insurance Group Coverages Accident & Health, Auto Comm-Standard, Crime, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States

Employee Leasing Firms

® Norman-Spencer International, Inc. Coverages Auto Comm-Standard, Business Income, Business Interruption, Crime, Cyber Liab, D&O, E&O, Int’l Coverage - Commercial, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Dialysis Centers

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

® VFIS Coverages Accident & Health, Auto Comm-Standard, Crime, E&O, Excess Liab, GL, Medical Malpractice, Portable Equip, Property Carrier Status Admitted States All States

® Burns & Wilcox - All Offices Coverages CGL, Glass, Products Liab, Property Carrier Status Admitted, Non-admitted States Most States

® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV

® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States ® Liberty International Underwriters Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® NAS Insurance Services, Inc. Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Mortgage Impairment, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Wrongful Acts, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States All States ® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, EPLI, Equipment Breakdown, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N47

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® World Wide Specialty Programs, Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® ACE Westchester Specialty—Environmental Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Builders Risk, CGL, E&O, Environmental Liab, Excess Liab, Pollution, Pollution Liab, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States

Engineers-Environmental

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Access E&S Insurance Services (CA) Coverages GL, Professional Liab Carrier Status Admitted, Non-admitted States PA, NV, NJ, MD, ID, CO, CA, AZ, TX, VA, WA, DC

® Arrowhead General Insurance Agency, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States

® Access E&S Insurance Services (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, AZ, DE, CO, CA

® Beacon Hill Associates, Inc. Coverages CGL, E&O, Pollution States All States

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Pollution Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Bonding and Insurance Specialists Agency, Inc. Coverages Environmental Liab, Pollution, Pollution Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab, Professional Liab States Most States

Engineers-Geotechnical

® Colemont Insurance Brokers- Hartford Coverages CGL, Environmental Liab, GL, Pollution, Pollution Liab, Products Liab, Professional Liab, Property, Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Access E&S Insurance Services (CA) Coverages BOP, Professional Liab Carrier Status Admitted, Non-admitted States NV, MD, ID, DE, CO, CA, AZ, TX, VA, WA, DC

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages E&O, Environmental Liab, GL, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, E&O, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab, Umbrella Carrier Status Non-admitted States All States

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® HULL & Company, Inc. - Horsham Coverages E&O, Environmental Liab, GL, Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

® Insurance Innovators of New Jersey, Inc. Coverages CGL, Environmental Liab, GL, Liability, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States NY, NJ

® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

Entertainer Buses ® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States ® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

Entertainment Equipment Rental Houses ® AFG Partners Coverages GL, Property, Props States All States ® Gales Creek Insurance Services Coverages Auto Comm-Standard, Business Income, Equipment, Inland Marine, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Environmental Engineers/Consultants/ Contractors ® Access E&S Insurance Services (CA) Coverages CGL, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, DC ® Access E&S Insurance Services (VA) Coverages Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® ACE USA—Excess Casualty Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Builders Risk, CGL, E&O, Environmental Liab, Excess Liab, Pollution, Pollution Liab, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ® International Excess Companies Coverages CGL, E&O, Pollution Liab Carrier Status Non-admitted States All States

® Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, BOP, CGL, D&O, E&O, Environmental Liab, EPLI, Fiduciary Liab, GL, Pollution, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Worldwide Facilities, Inc. Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages CGL, Commercial Excess, Contractors Equip, D&O, E&O, Environmental Liab, EPLI, Excess Liab, GL, Liability, New Occurrence, Pollution, Pollution Liab, Products Liab, Professional Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Yates & Associates Ins. Services Coverages CGL, Pollution Liab Carrier Status Non-admitted States CA

Equipment Dealers/Rentals ® A. D. Carlton Insurance Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Care/Custody/Control, CGL, Contractors Equip, Equipment, Inland Marine, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States ® Allied Insurance Brokers, Inc. (PA) Coverages Auto Comm-Standard, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted States All States

Exercise/Health Studios/Health Clubs

® J.M. Wilson Coverages CGL, Pollution, Professional Liab Carrier Status Admitted, Non-admitted States WI, MO, MI, KS, IN, IL

® Aon Association Services Coverages D&O, Workers’ Comp Carrier Status Admitted States Most States

® M.J. Hall & Company, Inc. Coverages CGL, Environmental Liab, Excess Liab, Professional Liab Carrier Status Non-admitted States AK, AZ, CA, NM

® Burns & Wilcox - All Offices Coverages Abuse & Molestation, Accident & Health, Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Excess Liab, Fire, Fire Legal Liab, GL, Liability, Medical Payments, Pool & Spa Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Metcom Excess Coverages Auto Comm-Standard, CGL, E&O, Pollution Carrier Status Admitted, Non-admitted States NJ, NY, PA ® PartnerOne Environmental Coverages CGL, E&O, Pollution Carrier Status Non-admitted States All States ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, CGL, D&O, Equipment Breakdown, Fiduciary Liab, GL, Inland Marine, NonTrucking Auto Liab, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States Most States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Russell Bond & Co., Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, COC, Commercial Excess, Completed Operations Liab, E&O, Environmental Liab, EPLI, Excess Liab, Nonowned & Hired Auto, Pollution, Pollution Liab, Products Liab, Professional Liab, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® USAssure Insurance Services, Inc. Coverages Auto Comm-Standard Liability, CGL, E&O, Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® USG Insurance Services, Inc. Coverages Environmental Liab, Installation Floaters, Pollution, Pollution Liab, Umbrella Carrier Status Non-admitted States Most States

N48 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Chopra Insurance Brokerage, Inc. Coverages BOP, EPLI Carrier Status Non-admitted States NV, CA ® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liab, Medical Payments, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States ® iii of Maryland, Inc. Coverages Abuse & Molestation, CGL, EPLI, Equipment Breakdown, Excess Flood, Excess Liab, Nonowned & Hired Auto, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States DE, MD, VA ® Infinite Wellness Solutions Coverages Accident & Health, Medical Carrier Status Admitted States NC ® K & K Insurance Group, Inc. Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States ® Markel Insurance Company Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States Most States ® Monarch E&S Insurance Services Coverages CGL, Professional Liab, Property States CA ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Northern States Agency Coverages CGL, Fire, Professional Liab Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Non-Trucking Auto Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Prime Insurance Coverages Business Income, Business Interruption, CGL, Fire, Fire Legal Liab, GL, Glass, Liability, Medical, Medical Payments, Misc Professional Liab Carrier Status Admitted, Non-admitted States All States ® Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® Ron Rothert Insurance Coverages Business Income, Crime, E&O, Excess Liab, GL, Inland Marine, Medical Payments, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States WA, OR, ID ® TAPCO Underwriters, Inc. Coverages E&O, GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® Western Security Surplus Insurance Brokers, Inc. Coverages Assault & Battery, Business Income, CGL, Fire, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence, Pool & Spa Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States TX, CA

® Align General Insurance Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Care/Custody/Control, Excess Liab, GL, Property, Umbrella Carrier Status Admitted States AZ, CA, NV ® American Reliable Insurance Company Coverages Liability, Livestock/Animal Mortality, Physical Damage Carrier Status Admitted States VT, VA, RI, NY, NJ, NH, MD, MA, LA, HI, FL, CT ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Pollution Liab, Property, Transportation Pollution Liab Carrier Status Admitted, Non-admitted States All States

® Britt/Paulk Insurance Agency, Inc. Coverages All Risks/Cash in Transit, Cargo, Delay Due to Vessel Carrier, Property, Wet Marine Carrier Status Admitted States Most States ® Centurion Insurance Group Coverages Foreign GL, Int’l Coverage - Commercial, Political Risk Carrier Status Admitted States All States ® Crump Insurance Services, Inc. (New York) Coverages Cargo, Hull, Motor Truck Cargo, Property, Protection & Indemnity (P&I), Wet Marine Carrier Status Admitted, Non-admitted States All States

Family Fun Centers ® Evolution Insurance Brokers Coverages Abuse & Molestation, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Sexual Misconduct Liab, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Appleby & Sterling Coverages Liability, Property Carrier Status Admitted States CA, AZ ® Associations Underwriters, Inc & Ziplow Horse Insurance Coverages Care/Custody/Control, CGL, Commercial Excess, Earthquake, Excess Liab, Fire, Fire Legal Liab, Homeowners Pkg, Horse Mortality, Liability, Personal Liab, Personal Property, Umbrella Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Standard Phys Dmg, Catastrophe, Environmental Liab, Equipment, Equipment Breakdown, GL, Homeowners Pkg, Personal Liab, Personal Property, Personal Umbrella, Physical Damage, Pollution, Pollution Liab, Portable Equip, Property, Residential Property, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT

® HULL & Company, Inc. - Great Falls Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Property Carrier Status Non-admitted States ID, MT, WY ® Ron Rothert Insurance Coverages Loss of Use, Medical Payments, PAF, Personal Liab, Personal Property, Personal Umbrella, Property, Umbrella Carrier Status Non-admitted States WA, OR, ID ® Wildlife Insurance Underwriters, LLC Coverages Accident & Health, Accidental Death, Addt’l Expense, Addt’l Living Expense, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Pers-Nonstandard, Auto Pers-Standard, Boats, Builders Risk, Business Income, Business Interruption, Catastrophe, CGL, Commercial Marine, Control of Well, Crime, Disability, Dwelling Fire, Earthquake, EPLI, Equipment Breakdown, Flood, GL, Hail, Herbicide & Pesticide, Homeowners Pkg, Horse Mortality, Inland Marine, Installation Floaters, Liability, Livestock/Animal Mortality, Medical, Mobile Home Ins, Mortality, Motor Truck Cargo, OCP, On-Hook Cargo, Piers & Docks, Pollution, Property Carrier Status Admitted, Non-admitted States All States ® Winery Pak Insurance Programs Coverages Combo Personal & Commercial, Herbicide & Pesticide, Liability, Pollution Liab, Property Carrier Status Admitted States Most States

® Agricultural Insurance Mgmt Svcs.

Coverages Auto Comm-Standard, Care/Custody/Control, CGL, Commercial Excess, Equipment Breakdown, Excess Liab, Horse Mortality, Property, Umbrella Carrier Status Admitted States Most States

® HCC Specialty Underwriters, Inc. (MA) Coverages Event Cancellation, Hole-in-One, Liability, Liquor Liab, Prize Indemnification, Weather Carrier Status Non-admitted States All States

Financial Institutions ® Anthony R. Davis Agency Coverages D&O, E&O Carrier Status Admitted States Most States ® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab, Professional Liab States Most States ® Centurion Insurance Group Coverages D&O, E&O, EPLI, Fidelity, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties Carrier Status Admitted States All States ® Crump Insurance Services, Inc. (Louisiana) Coverages D&O, E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Nashville) Coverages E&O, EPLI, Escrow E&O, Fidelity, Mortgage Impairment, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Floodwatch Coverages Excess Flood, Flood Carrier Status Admitted, Non-admitted States All States

Fast Food Restaurants

® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

® Access E&S Insurance Services (CA) Coverages CGL, Equipment Breakdown, Liquor Liab, Property Carrier Status Admitted, Non-admitted States PA, NV, NJ, NC, MD, ID, DE, CO, CA, AZ, TX, VA, DC

Farm & Ranch

® Gales Creek Insurance Services Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, D&O, EPLI, Event Cancellation, Liquor Liab, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV

® Abram Interstate Insurance Services, Inc. Coverages Care/Custody/Control, CGL, Fire, GL, Livestock/Animal Mortality, Property, Umbrella Carrier Status Admitted, Non-admitted States NV, CO, CA, AZ

Festivals & Fairs ® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT

® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

® Rockwood Programs, Inc. Coverages EPLI, Sexual Misconduct Liab Carrier Status Admitted States All States

® Ins. Innovators Agency Of New England (W Springfield) Coverages CGL, GL, Liability, Liquor Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® MIC Insurance Brokerage Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Property, Umbrella Carrier Status Admitted States All States

® RLI Specialty Programs Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States

® International Excess Companies Coverages CGL, Property Carrier Status Non-admitted States All States

® UCA General Insurance Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT

Exporters

® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Crime, Fire, Food Spoilage, GL, Glass, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® Anderson & Murison, Inc. Coverages Liability, Property Carrier Status Admitted, Non-admitted States CA ® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, Fidelity, Food Borne Illness, Food Spoilage, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Continental Brokers, Inc. Coverages Accident & Health, Accidental Death, Boiler & Machinery, BOP, Builders Risk, Business Interruption, Crime, Disability, Earthquake, EPLI, Fire, Flood, Food Borne Illness, Food Spoilage, Homeowners Pkg, Medical, Nonowned & Hired Auto, Personal Property, Property, Sets, Spoilage, Theft, Umbrella Carrier Status Admitted States All States

® Insurmark a Div. of Financial & Professional Risk Solutions, Inc. Coverages Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States ® ProSurance Group, Inc. Coverages E&O, Fidelity Bonds, Professional Liab Carrier Status Non-admitted States All States ® Russell Bond & Co., Inc. Coverages Blanket Forced Placed, CGL, COC, Cyber Liab, D&O, E&O, Environmental Liab, EPLI, Fidelity, Fidelity Bonds, Fiduciary Liab, Force Place Fire Cvrg, Foreclosed Properties, Identity Theft, Interim Car Liab/Phys Dmg, Kidnap/Ransom, Lessor Only Excess Liab, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Misc Professional Liab, Mortgage Impairment, Mortgage REO Cvrg, Professional Liab, Reps & Warranties, Umbrella Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® U.S. Risk Financial Services Coverages Blanket Forced Placed, Breach of Security, Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Identity Theft, Kidnap/Ransom, Mortgage Impairment, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States All States

® Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N49

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® U.S. Risk Insurance Group, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Forced Placed, Blanket Waivers, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, Difference in Conditions, E&O, EPLI, Equipment, Equipment Breakdown, Fidelity, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, GL, Glass, Kidnap/Ransom, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Mechanical Breakdown, Nonowned & Hired Auto, Physical Damage, Professional Liab, Property, Technology E&O, Theft, Umbrella, Windstorm, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Venture Insurance Programs Coverages D&O, E&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States

Financial Planners ® Cambridge Alliance Coverages E&O Carrier Status Non-admitted States All States

Fine Art Collections ® A. D. Carlton Insurance Coverages Care/Custody/Control, Earthquake, Fire, Flood, Material Damage, Physical Damage, Sets Carrier Status Admitted, Non-admitted States All States ® Monarch E&S Insurance Services Coverages Earthquake, Excess Flood, Fire, Inland Marine, Mysterious Disappearance, PAF Carrier Status Admitted States CA

Fire Departments ® 5Star Business Auto Program (Misc. classes), formerly BISYS Coverages Auto Comm-Standard Liability, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted States OH, MI, IL, GA, FL

® Glatfelter Insurance Group Coverages Accident & Health, Auto Comm-Standard, Crime, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States ® VFIS

Coverages Accident & Health, Auto Comm-Standard, Crime, E&O, Excess Liab, GL, Portable Equip, Property Carrier Status Admitted States All States

Firearms Dealers ® Joseph Chiarello & Co., Inc. Coverages CGL, Crime, Equipment Breakdown, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Admitted States Most States

Food Vendors ® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States ® K & K Insurance Group, Inc. Coverages Business Income, Crime, GL, Inland Marine, Products Liab, Property Carrier Status Admitted States All States

Forestry Services ® ACE Westchester - Program Division Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States WV, WI, WA, VA, TX, TN, SC, OR, OK, NC, MT, MS, MN, LA, KY, ID, GA, FL, CO, AR, AL ® Loggers Insurance, Inc. Coverages Auto Comm-Standard, Contractors Equip, Equipment, GL, Property, Umbrella Carrier Status Admitted States TN, TX, WV, WI, WA, VA, UT, SC, OR, OK, NC, MT, MS, MN, LA, KY, ID, GA, FL, CO, AR, AL ® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States ® O’Donovan & Associates, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, CGL, Property Carrier Status Admitted States WI, WA, VA, TX, TN, SC, PA, OR, OK, NC, MN, MI, MD, LA, KY, GA, FL, CA, AR

® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States ® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, Employee Benefits, Excess Liab, GL, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

Foundations ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Physical Damage, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Fraternal Organizations ® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liability, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Accidental Death, BOP, D&O, EPLI, Non-Profit D&O, Umbrella Carrier Status Admitted, Non-admitted States All States

® OnPoint Underwriting Coverages Contractors Equip, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States

® R.V. Nuccio & Associates, Inc. Coverages Accidental Death, CGL, Crime, EPLI, Inland Marine, Medical Payments, Non-Profit D&O, Weather Carrier Status Admitted States Most States

Foster Care

Garages

® AIRisk (formerly listed as AIG Programs) Coverages Abuse & Molestation, D&O, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States All States

® Abram Interstate Insurance Services, Inc. Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Align General Insurance Agency, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Property, Real & Business Personal Prop States CA

N50 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® All Risks, Ltd. Coverages Dealers Open Lot, Garage Liability, GKLL Carrier Status Non-admitted States WV, WI, VA, TX, TN, SC, OH, NJ, NC, MD, KY, IN, IL, GA, FL, DE, CA, AZ ® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Automotive Risk Mgmt. & Ins. Services, Inc.

Coverages Auto Comm-Standard, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Care/Custody/Control, Cargo, CGL, Commercial Excess, Dealers Open Lot, Emergency Towing & Service, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Glass, Liability, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Property, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, Property Carrier Status Admitted, Non-admitted States Most States ® CRES Insurance Services, LLC Coverages Garage Liability, GKLL Carrier Status Admitted, Non-admitted States CA ® Crump Insurance Services, Inc. (Portland) Coverages Cargo, Garage Keepers Legal Liab, Garage Liability, GL, Physical Damage Carrier Status Admitted, Non-admitted States WY, WA, UT, OR, NV, MT, ID, CO, CA, AZ, AK ® DMI Insurance Services Coverages Business Income, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Nonowned & Hired Auto, Personal Property, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ ® Evolution Insurance Brokers Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Bailee/Customer Goods, Blanket Wrongful Acts, Business Interruption, Care/Custody/Control, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Liability, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® Focus Underwriters, LLC Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Property Carrier Status Non-admitted States VA, SC, NC ® High Country Insurance (a div of Hull & Co.) Coverages Care/Custody/Control, Garage Keepers Legal Liab, Garage Liability Carrier Status Non-admitted States CO

® J.L. von Arx & Associates

Coverages Garage Keepers Legal Liab, Garage Liability, Medical Payments, Nonowned & Hired Auto, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States CA, AZ

® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® MacNeill Group, Inc., CMGA Coverages Excess Liab, Garage Keepers Legal Liab, Garage Liability Carrier Status Non-admitted States FL ® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ® National Indemnity Company Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Prime Insurance Coverages Legal Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® RSI International, Inc. (Missouri) Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Inland Marine, Medical Payments, Property, Theft, Tools & Equip, Truck Auto Liab, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Dealers Open Lot, EPLI, Excess Liab, Garage Liability, GKLL Carrier Status Admitted, Non-admitted States WA, OR, NV, CA, AZ

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® U.S. Risk Insurance Group, Inc. Coverages Auto Comm-Nonstandard, Dealers Open Lot, GKLL Carrier Status Non-admitted States TX ® Yates & Associates Ins. Services Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability Carrier Status Non-admitted States CA

Gentleman’s Clubs ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA ® Geo. F. Brown & Sons, Inc. Coverages Assault & Battery, GL, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Non-admitted States WI, WA, VT, VA, TX, SC, PA, OR, OH, NY, NV, NJ, NC, MN, MI, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ ® III Special Risk, Inc. Coverages Abuse & Molestation, Business Income, CGL, Medical Payments, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® M.J. Hall & Company, Inc. Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States NV, CA, AZ, AK ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages GL, Liquor Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ

Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property, Tee-to-Green Carrier Status Non-admitted States Most States ® Venture Insurance Programs Coverages D&O, E&O, EPLI, Excess Liab, GL, Herbicide & Pesticide, Liquor Liab, Pollution, Property, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Grain Mills & Elevators ® Britt/Paulk Insurance Agency, Inc. Coverages Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, Inland Marine, Liability, Physical Damage, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Wildlife Insurance Underwriters, LLC Coverages Business Income, CGL, Environmental Liab, Equipment Breakdown, Fire Legal Liab, GL, Inland Marine, Installation Floaters, Liability, Long Haul, Mechanical Breakdown, Medical, Occupational Accident, OCP, On-Hook Cargo, Piers & Docks, Property, Railroad Protective Liab, Spoilage, Theft Carrier Status Admitted, Non-admitted States All States

Greenhouse Growers/Nurserymen

® U.S. Risk Insurance Group, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States All States

® Agricultural Insurance Mgmt Svcs.

Coverages CGL, Contractors Equip, Equipment, Equipment Breakdown, Products Liab, Property Carrier Status Admitted States Most States

® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, GL, Liquor Liab, Property Carrier Status Non-admitted States GA, FL

® NIP Group, LLC Coverages Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, EPLI, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Glass Merchants/Glazing Contractors ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Liability, Property Carrier Status Admitted, Non-admitted States All States ® Intercorp, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Business Income, Business Interruption, CGL, Contractors Equip, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Installation Floaters, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® NIP Group, LLC Coverages Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, EPLI, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Golf Courses

Grocery Stores/Supermarkets ® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® Agency Intermediaries, Inc. Coverages Business Income, CGL, Liquor Liab, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States MA, CT ® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, Fidelity, Food Spoilage, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

® Aon Association Services Coverages D&O Carrier Status Admitted States Most States

® HULL & Company, Inc. - New Orleans Coverages CGL, Property Carrier Status Non-admitted States LA, MS

® Braishfield Associates, Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, EPLI, Fidelity, Fine Arts, GKLL, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Teeto-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® Hylant Group Coverages CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® CGA Associates, Inc. Coverages BOP, Umbrella Carrier Status Admitted States All States ® Cluett Commercial Insurance Agency, Inc. Coverages BOP, Umbrella, Workers’ Comp, Workers’ Comp Plus States VT, VA, TX, TN, SC, RI, PA, NY, NH, NC, ME, MA, IL, GA, FL, CT, CA, AZ ® Fairway Underwriters Coverages Business Income, CGL, Earthquake, Equipment, Equipment Breakdown, Errant Ball, Herbicide & Pesticide, Property, Tee-to-Green, Umbrella, Weather, Windstorm Carrier Status Admitted, Non-admitted States Most States

® Ins. Innovators Agency Of New England (W Springfield) Coverages Assault & Battery, Boiler & Machinery, BOP, Business Income, CGL, Commercial Excess, EPLI, Equipment Breakdown, Excess Liab, Food Spoilage, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Crime, D&O, Employee Benefits, EPLI, Excess Liab, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AR, AZ, NV ® RPS-Leicht General Agency Coverages GL, Glass, Property, Spoilage Carrier Status Non-admitted States TX

® HCC Specialty Underwriters, Inc. (MA) Coverages Hole-in-One, Prize Indemnification, Weather Carrier Status Non-admitted States All States

Group Homes

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income,

www.insurancejournal.com

® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, Business Income, Business Interruption, CGL, Excess Liab, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Liquor Liab, Non-Profit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Developmental Disabilities, Excess Liab, GL, Inland Marine, Mental Health Care, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, CGL, Crime, Equipment Breakdown, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® NAS Insurance Services, Inc. Coverages Builders Risk, Cyber Liab, EPLI, Fire Legal Liab, GL, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States ® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Boiler & Machinery, Business Income, Business Interruption, Community/Social Svcs, D&O, Developmental Disabilities, Excess Liab, Inland Marine, Liability, Medical Payments, Mental Health Care, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States IL, VT, NY, NJ, NH, MA, CT

® National Hole-In-One Association Coverages Hole-in-One, Weather Carrier Status Admitted, Non-admitted States All States

® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO

® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, CGL, COC, Community/Social Svcs, Employee Benefits, Equipment Breakdown, Inland Marine, Mental Health Care, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

Guides & Outfitters ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Gillingham & Associates Coverages Business Interruption, Crime, Excess Liab, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted States All States ® High Country Insurance (a div of Hull & Co.) Coverages CGL, Inland Marine Carrier Status Non-admitted States CO ® K & K Insurance Group, Inc. Coverages CGL, Crime, Excess Liab, Inland Marine, Property Carrier Status Admitted States All States ® Markel Insurance Company Coverages Auto Comm-Standard, Business Interruption, CGL, Excess Liab, Inland Marine, Mechanical Breakdown, Personal Property, Property, Umbrella Carrier Status Admitted States Most States ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N51

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Gymnastics Facilities ® K & K Insurance Group, Inc. Coverages CGL, Equipment Carrier Status Admitted States All States ® Markel Insurance Company Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States Most States ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Summit America Ins. Services L.C. Coverages Accident & Health, Accidental Death, CGL, Inland Marine, Property Carrier Status Admitted States All States

Hardware Manufacturers ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Euclid Managers, LLC Coverages Identity Theft, Technology E&O Carrier Status Non-admitted States All States

Hazardous Materials Transporters ® Access E&S Insurance Services (VA) Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, Liability, Pollution Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® Freberg Environmental, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Environmental Liab, GL, Long Haul, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States Most States ® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, Excess Liab, Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® J.M. Wilson Coverages Liability, Physical Damage Carrier Status Admitted, Nonadmitted States IL, IN, KS, KY, MI, MO, OH, PA, WI, WV

® HULL & Company, Inc. - Great Falls Coverages GL, Property Carrier Status Non-admitted States ID, MT, WY ® Infinite Wellness Solutions Coverages Accident & Health, Medical Carrier Status Admitted States NC ® K & K Insurance Group, Inc. Coverages Business Income, Crime, GL, Inland Marine, Liquor Liab, Property, Tanning Liab, Workers’ Comp Carrier Status Admitted States All States ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, D&O, Employee Benefits, EPLI, Excess Liab, Pool & Spa Liab, Professional Liab, Property C arrier Status Non-admitted States AK, AZ, CA, NM ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Equipment Breakdown, GL, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States CA, NV ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Liquor Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O, EPLI Carrier Status Non-admitted States All States

® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, CGL, GL, Products Liab, Professional Liab Carrier Status Non-admitted States All States ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States

Healthcare Facilities ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab States Most States ® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages E&O, Medical Carrier Status Admitted States NY, NJ ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA

® Target Marketing Ins. Services, Inc. Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

Health Clubs

® Monitor Liability Managers, LLC Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States

® Agency Intermediaries, Inc. Coverages Business Income, CGL, Misc Professional Liab, Real & Business Personal Prop, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States MA, CT ® American Underwriting Managers Coverages Business Income, CGL, Professional Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR ® Anderson & Murison, Inc. Coverages Abuse & Molestation, CGL, Professional Liab, Property Carrier Status Non-admitted States CA ® Aon Association Services Coverages D&O, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages Abuse & Molestation, Business Income, CGL, Fire, GL, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Focus Underwriters, LLC Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States VA, SC, NC ® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States

® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Developmental Disabilities, Fire, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ ® PGI Commercial, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® RLI Transportation Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States Most States ® Russell Bond & Co., Inc. Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property States VT, VA, PA, NY, NJ, MA, CT ® Smith, Bell & Thompson Coverages GL, Medical Malpractice, Professional Liab, Workers’ Comp Carrier Status Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

N52 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® USG Insurance Services, Inc. Coverages Abuse & Molestation, Addiction Treatment, Billing Error E&O, D&O, Developmental Disabilities, Emergency Medical, EPLI, Managed Care, MEDEFENSE, MEDEFENSE Plus, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Physicians Billing E&O, Professional Liab, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Westrope Coverages CGL, D&O, Liability, Medical & Physical Rehab, Medical Malpractice, Misc Professional Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States ® Worldwide Facilities, Inc. of Phoenix Coverages Abuse & Molestation, Billing Error E&O, CGL, Community/Social Svcs, Crime, D&O, Difference in Conditions, E&O, EPLI, Excess Liab, Fidelity, Fiduciary Liab, GL, Managed Care, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Healthcare Information Management Co’s ® Fox Point Programs Coverages E&O, Physicians Billing E&O, Professional Liab Carrier Status Non-admitted States All States

Heavy Equipment Dealers ® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Care/Custody/Control, CGL, Contractors Equip, Equipment, Inland Marine, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

Home Healthcare Providers ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, CGL, COC, Community/Social Svcs, Employee Benefits, Equipment Breakdown, Professional Liab, Property Carrier Status Non-admitted States WA, VA, TX, PA, OH, NY, NV, NM, NJ, MI, MD, IL, GA, FL, CA ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX ® Apogee Insurance Group Coverages Workers’ Comp Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ® Bunker Hill Insurance Agency Coverages Abuse & Molestation, CGL, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Burns & Wilcox - All Offices Coverages Abuse & Molestation, Assault & Battery, Auto CommStandard, Blanket Addt’l Insureds, CGL, D&O, E&O, EPLI, GL, Liability, Medical, Medical Payments, Nonowned & Hired Auto, Property, Sexual Misconduct Liab, Theft, Umbrella Carrier Status Admitted, Non-admitted States Most States ® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages E&O, Medical, Medical & Physical Rehab, Medical Malpractice Carrier Status Admitted States NJ, NY ® Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted States All States ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Admitted States Most States ® Hospice and Community Care Insurance Services Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted States All States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States ® McClelland and Hine, Inc. Coverages Liability, Professional Liab Carrier Status Non-admitted States TX ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Quaker Special Risk (Florida) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

Homeowner Associations

Horse Farms

® Quaker Special Risk (Mass.)

Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

® 4 All Insurance Services Coverages Auto Comm-Standard Liability, D&O, EPLI, Excess Liab, Fidelity, Fire, GL, Liability, Pool & Spa Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ

® Agricultural Insurance Mgmt Svcs.

Coverages Business Income, Care/Custody/Control, Combo Personal & Commercial, Equipment Breakdown, Homeowners Pkg, Horse Mortality, Liability, Tools & Equip Carrier Status Admitted States Most States

® Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

® Abram Interstate Insurance Services, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States CA, AZ

® Quaker Special Risk (New York) Coverages Abuse & Molestation, CGL, Professional Liab Carrier Status Non-admitted States Most States

® ACE Westchester - Program Division Coverages Auto Comm-Standard, Liability, Property Carrier Status Admitted States TX

® Smith, Bell & Thompson Coverages Auto Comm-Standard, D&O, EPLI, Fidelity Bonds, GL, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Agostini Wholesale Insurance Coverages D&O, EPLI, Fidelity, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ, WA

® Tangram Insurance Services Coverages Business Income, GL, Personal Property, Professional Liab Carrier Status Non-admitted States TX, MO, KS, IN, IL, IA, CA

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE

Home Inspectors

® Brecht & Associates Coverages CGL, GL, Property, Umbrella Carrier Status Non-admitted States TX

® AIRisk (formerly listed as AIG Programs) Coverages E&O, Professional Liab Carrier Status Non-admitted States All States ® Alexander J. Wayne & Associates, Inc. Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States ® Focus Underwriters, LLC Coverages CGL, Professional Liab Carrier Status Non-admitted States VA, SC, NC ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States ® Insurance Innovators, Inc. Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States PA, NY, NJ, MD, DE ® Liberty International Underwriters Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® Roush Insurance Services, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Blanket Addt’l Insureds, Blanket Waivers, Business Income, Business Interruption, CGL, Commercial Excess, E&O, EPLI, Equipment Breakdown, Excess Liab, Fire, Fire Legal Liab, GL, Glass, Inland Marine, Liability, Mechanical Breakdown, Medical Payments, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Rented Property, Tools & Equip Carrier Status Admitted, Non-admitted States OH, IN, IL ® Target Insurance Services Coverages E&O, GL, Professional Liab Carrier Status Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Home Medical Equipment Dealers ® Davidson-Babcock Coverages Business Interruption, CGL, Completed Operations Liab, Crime, Inland Marine, Products Liab, Professional Liab, Property Carrier Status Non-admitted States Most States ® Smith, Bell & Thompson Coverages Auto Comm-Standard, CGL, D&O, EPLI, Fidelity Bonds, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Vulcan Excess & Surplus Insurance Coverages Business Income, Business Interruption, Equipment Breakdown, Excess Liab, GL, Glass, Products Liab Carrier Status Non-admitted States CA

Homebuilders ® Appalachian Underwriters, Inc. Coverages GL, Inland Marine States Most States ® Metcom Excess Coverages CGL, Inland Marine, Property, Umbrella Carrier Status Non-admitted States NJ ® Patriot National Underwriters, Inc. Coverages Auto Comm-Standard, Builders Risk, CGL, Umbrella, Workers’ Comp Carrier Status Admitted States TX

www.insurancejournal.com

® Markel Insurance Company Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States Most States ® Wildlife Insurance Underwriters, LLC Coverages Horse Mortality, Livestock/Animal Mortality, Mortality, Property, Workers’ Comp Carrier Status Non-admitted States All States

Hospitals ® AVRECO Coverages D&O, E&O, EPLI, GL, Medical Malpractice Carrier Status Admitted, Non-admitted States All States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab States Most States ® Centurion Insurance Group Coverages D&O, Medical Malpractice Carrier Status Admitted States All States ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States Most States

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA ® CID Insurance Programs, Inc. Coverages CGL, E&O, Property, Umbrella Carrier Status Admitted, Nonadmitted States WA, VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ ® Fox Point Programs Coverages E&O, Sexual Misconduct Liab Carrier Status Non-admitted States All States ® Gorst Co. Coverages D&O, E&O, GL Carrier Status Admitted, Non-admitted States CA

® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® RLI Transportation Coverages Auto Comm-Standard, Auto Pers-Nonstandard Carrier Status Admitted States Most States ® Russell Bond & Co., Inc. Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property States VT, VA, PA, NY, NJ, MA, CT

® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Ian H. Graham Insurance Coverages Crime, D&O, Fidelity, Umbrella Carrier Status Admitted States Most States ® III Special Risk, Inc. Coverages CGL, D&O, Fidelity, Liability, Liquor Liab, Medical Payments Carrier Status Non-admitted States AL, GA, NC, SC, TN

® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages Abuse & Molestation, Billing Error E&O, CGL, Community/Social Svcs, Crime, D&O, Difference in Conditions, E&O, EPLI, Excess Liab, Fidelity, Fiduciary Liab, GL, Managed Care, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Hotels/Motels

® Kevin Davis Insurance Services Coverages Crime, D&O, E&O Carrier Status Admitted States All States

® 5Star EPLI Program Coverages EPLI Carrier Status Non-admitted States Most States

® King Insurance Support Systems Coverages Liability, Property Carrier Status Admitted, Non-admitted States WA, UT, OR, NV, NM, ID, CO, CA, AZ

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® Preferred Property Programs

Coverages Boiler & Machinery, Commercial Excess, Environmental Liab, Equipment Breakdown, Umbrella Carrier Status Admitted States Most States

® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Property Carrier Status Admitted States NV, CA, AZ ® The Distinguished Programs Group Coverages Boiler & Machinery, Crime, D&O, GKLL, GL, Property, Umbrella Carrier Status Admitted States All States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States TX

Horse Breeders/Boarders ® Agricultural Insurance Mgmt Svcs.

Coverages Care/Custody/Control, GL, Horse Mortality, Personal Liab Carrier Status Admitted States Most States ® Markel Insurance Company Coverages Auto Comm-Standard, Business Interruption, Care/Custody/Control, CGL, Excess Liab, Fire Legal Liab, GL, Inland Marine, Legal Liab, Medical Payments, Misc Professional Liab, Personal Property, Property, Tools & Equip, Umbrella Carrier Status Admitted States Most States

® American Underwriting Managers Coverages Business Income, CGL, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Builders Risk, Business Income, Contractors Equip, Inland Marine Carrier Status Admitted, Non-admitted States All States ® Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States AZ, CA, NV ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States ® Braishfield Associates, Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Business Income, CGL, EPLI, Fidelity, Food Spoilage, GKLL, Identity Theft, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Brecht & Associates Coverages CGL, GL, Property, Umbrella Carrier Status Non-admitted States TX ® Brown & Brown of California, Inc. - Programs Coverages Auto Comm-Standard, CGL Carrier Status Admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N53

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® CGA Associates, Inc. Coverages BOP, Umbrella Carrier Status Admitted States All States ® Compass Insurance Group of Agencies Coverages Business Income, CGL, Glass, Property Carrier Status Non-admitted States CA ® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States ® Dunfield Wholesale Insurance, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States CA ® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States IL, VT, NY, NJ, NH, MA, CT ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® Hospitality Insurance Solutions Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Excess Liab, Glass, Liquor Liab, Lost Key, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States Most States ® Hotels & Resorts Insurance Program (BBCA - Programs) Coverages CGL, Garage Keepers Legal Liab, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® HULL & Company, Inc. - Albuquerque Coverages CGL, Property Carrier Status Non-admitted States AZ, NM ® HULL & Company, Inc. - Denver Coverages CGL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Fort Lauderdale Coverages Business Interruption, CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Great Falls Coverages CGL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Jacksonville Coverages CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - New Orleans Coverages CGL, Property Carrier Status Non-admitted States LA, MS

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, Food Spoilage, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Importers ® Britt/Paulk Insurance Agency, Inc. Coverages All Risks/Cash in Transit, Cargo, Delay Due to Vessel Carrier, Property, Wet Marine Carrier Status Admitted States All States ® Brownyard Group Coverages Employee Benefits, GL, Inland Marine, Products Liab, Property Carrier Status Admitted States All States

® Preferred Property Programs

Coverages Boiler & Machinery, Equipment Breakdown Carrier Status Admitted States All States

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, Products Liab, Property Carrier Status Admitted, Non-admitted States NM, CA, AZ, AK

® Risk Placement Services, Inc. Coverages Builders Risk, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® MarketScout Coverages Liability, Products Liab Carrier Status Non-admitted States All States

® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV

® Roush Insurance Services, Inc. Coverages Business Income, Equipment Breakdown, Liability, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL ® RPS-Leicht General Agency Coverages GL, Property Carrier Status Non-admitted States TX ® Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Fire, Fire Legal Liab, Garage Liability, GKLL, GL, Liability, Medical Payments, Nonowned & Hired Auto, Property, Theft, Umbrella Carrier Status Admitted States CA, CT, DE, FL, GA, IL, MA, MD, MI, MN, MO, NJ, NY, OH, PA, RI, TN ® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX ® UCA General Insurance Coverages Business Income, CGL, Crime, EPLI, Equipment Breakdown, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

In-Home Adult Foster Care ® Casualty & Surety, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® High Country Insurance (a div of Hull & Co.) Coverages Abuse & Molestation, GL Carrier Status Non-admitted States CO ® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

In-Home Businesses ® IAAC, Inc. (Membership Services Division of IIABNY) Coverages BOP, Business Interruption, Fire, Liability, Theft Carrier Status Admitted States NY

® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

In-Home Child Care

® Vulcan Excess & Surplus Insurance Coverages Business Income, Business Interruption, Equipment, Excess Liab, GL, Glass, Property Carrier Status Non-admitted States CA

® Ron Rothert Insurance Coverages E&O, Excess Liab, GL, Liability, Medical Payments Carrier Status Non-admitted States WA, OR, ID

® ICAT

® Western Surplus Lines Agency, Inc. Coverages CGL, Property Carrier Status Non-admitted States LA, NM, OK, TX

® Topa Insurance Company Coverages GL, Professional Liab Carrier Status Admitted, Non-admitted States VA, TX, TN, OR, IL, GA, FL, CO, CA

® J.L. von Arx & Associates Coverages CGL, Pool & Spa Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ

® Westrope Coverages Builders Risk, Business Interruption, Catastrophe, CGL, Difference in Conditions, Earthquake, Fire, Flood, Liability, Property, Real & Business Personal Prop, Umbrella, Windstorm Carrier Status Admitted, Non-admitted States All States

® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages CGL, Property Carrier Status Non-admitted States FL Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® Klein Insurance Services, Inc. Coverages Boiler & Machinery, Business Income, Crime, EPLI, Liability, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® KZ Insurance Brokerage, LLC Coverages BOP, Umbrella, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, LA, NV, TN

® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, Business Income, Property Carrier Status Non-admitted States GA, FL

Hourly Equipment Rental with Operator

® MarketScout Coverages CGL, Property Carrier Status Non-admitted States All States

® A. D. Carlton Insurance Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, Business Income, CGL, Contractors Equip, Equipment, Inland Marine, Lessors Contingent Liab, Lessors Contingent Phys Dmg, Property, Real & Business Personal Prop, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States All States

® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

® Vulcan Excess & Surplus Insurance Coverages Blanket Addt’l Insureds, Contractors Equip, Excess Liab, GL Carrier Status Non-admitted States CA

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Crime, D&O, Employee Benefits, EPLI, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® Monitor Liability Managers, LLC Coverages EPLI Carrier Status Admitted, Non-admitted States All States

Ice Rink Owners & Operators

® N-Surance Outlets, Inc. (Florida) Coverages Assault & Battery, Business Income, Fire Legal Liab, Liability, Medical Payments, Property Carrier Status Non-admitted States FL

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® National Specialty Underwriters, Inc. Coverages Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, EPLI, Fidelity, GL, Property, Umbrella Carrier Status Admitted States All States

® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States

® Motel Insurance Brokers, Inc. Coverages Assault & Battery, Boiler & Machinery, Business Interruption, CGL, Crime, Fire Legal Liab, Liquor Liab, Medical Payments, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® Willis HRH Programs Coverages Auto Comm-Standard, Boiler & Machinery, Crime, D&O, EPLI, Excess Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

N54 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Industrial Parks ® Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States CA, AZ, NV ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States ® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States

Innkeepers ® Gillingham & Associates Coverages Business Interruption, Crime, Excess Liab, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted States All States ® Markel Insurance Company Coverages Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, GL, Historic Bldgs/Unique Property, Inland Marine, Personal Liab, Property, Umbrella Carrier Status Admitted States Most States ® Motel Insurance Brokers, Inc. Coverages Assault & Battery, Boiler & Machinery, Business Income, CGL, Crime, Fire Legal Liab, Liquor Liab, Medical Payments, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States ® Smith, Bell & Thompson Coverages Crime, GL, Inland Marine, Liquor Liab, Property Carrier Status Admitted, Non-admitted States Most States

Insurance Agents & Brokers (P/C L/H) ® 4 All Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, Commercial Excess, D&O, E&O, EPLI, Excess Liab, Motor Truck Cargo, Professional Liab, Tuition Refund, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VA, UT, TX, OR, NY, NV, FL, CA, AZ ® AIRisk (formerly listed as AIG Programs) Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX

® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® American Team Managers Ins. Services, Inc. Coverages Business Interruption, E&O, GL, Property Carrier Status Admitted, Non-admitted States WY, WA, UT, OR, NV, NM, MT, ID, CO, CA, AZ

® Liberty International Underwriters Coverages Professional Liab Carrier Status Admitted, Non-admitted States All States

® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ® Brown & Brown of California, Inc. - Programs Coverages E&O, Professional Liab Carrier Status Admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States

Investigators ® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States

® Logic Underwriters, Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States All States

® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, E&O, Liability, Property, Workers’ Comp Carrier Status Non-admitted States Most States

® PGI Commercial, LLC Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States

® Brownyard Group Coverages Assault & Battery, Care/Custody/Control, CGL, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, Lost Key, Medical Payments, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O, EPLI Carrier Status Non-admitted States All States

® Brownyard Programs Ltd. Coverages Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® Colemont Insurance Brokers - Atlanta Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States All States

® Colemont Insurance Brokers- Chicago Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® ProSurance Group, Inc. Coverages E&O, Insurance Broker Bonds Carrier Status Non-admitted States All States

® Colemont Insurance Brokers- Fresno Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Quadrant Insurance Managers Coverages D&O, Professional Liab Carrier Status Non-admitted States All States

® CoverX Corporation Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® Colemont Insurance Brokers- Hartford Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

® Izzo Insurance Services, Inc. Coverages Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- Nashville Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Rockwood Programs, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States

® Ron Rothert Insurance Coverages Crime, E&O, Excess Liab, GL, Inland Marine, Lost Key, Medical Payments, Property Carrier Status Non-admitted States WA, OR, ID

® Colemont Insurance Brokers- Phoenix Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Russell Bond & Co., Inc. Coverages E&O, EPLI Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT

® The Mechanic Group, Inc.

® Colemont Insurance Brokers- San Francisco Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® South Texas General Insurance Agency Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States TX

® Colemont Insurance Brokers- Texas (Dallas) Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Sullivan Brokers Wholesale Insurance Solutions Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States CA

® Brown & Brown of California, Inc. - Programs Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- Texas (Houston) Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® SWBC

® Cambridge Alliance Coverages E&O Carrier Status Non-admitted States All States

® Colemont Insurance Brokers- Woodland Hills Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States

Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto

Comm-Standard Phys Dmg, Auto Pers-Standard, D&O, E&O, Employee Benefits, Excess Flood, Flood, Force Place Fire Cvrg, Medical, Personal Liab, Professional Liab, Short & Long-Term Disability, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Target Insurance Services Coverages E&O, GL, Professional Liab Carrier Status Admitted States Most States

® Cooper & McCloskey, Inc. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States CA

® Western E&O Coverages Crime, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted, Non-admitted States WI, WA, UT, TX, OR, OK, NM, ND, MI, KS, IN, IL, IA, CO, CA, AZ

® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages D&O, E&O, Excess Liab, GL, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® Worldwide Facilities, Inc. Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® IAAC, Inc. (Membership Services Division of IIABNY) Coverages E&O, EPLI, Excess Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States NY ® Independent Brokers & Agents of the West (IBA West) Coverages Accident & Health, Disability, E&O, EPLI, Medical, Workers’ Comp Carrier Status Admitted States CA ® Insight Insurance Services, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States ® Ins. Innovators Agency Of New England (Hopedale) Coverages CGL, E&O, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® International Excess Companies Coverages E&O, Professional Liab Carrier Status Non-admitted States All States ® King Insurance Support Systems Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States Most States

www.insurancejournal.com

Internet Companies ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Centurion Insurance Group Coverages D&O, E&O Carrier Status Admitted States All States

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® Rockwood Programs, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, EPLI, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Investment Advisory Reps

Janitorial Firms ® Abram Interstate Insurance Services, Inc. Coverages Liability, Lost Key Carrier Status Non-admitted States NV, CA, AZ ® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States ® American Team Managers Ins. Services, Inc. Coverages GL, Property Carrier Status Admitted States Most States ® Anderson & Murison, Inc. Coverages Care/Custody/Control, CGL, Lost Key Carrier Status Non-admitted States CA ® Atlantic Casualty Insurance Company Coverages CGL, Inland Marine, Property Carrier Status Non-admitted States Most States ® Brecht & Associates Coverages CGL, GL Carrier Status Non-admitted States TX ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Great Falls Coverages CGL, Inland Marine Carrier Status Non-admitted S tates ID, MT, WY

® Euclid Managers, LLC Coverages Cyber Liab, E&O, Identity Theft, Website Domain Name Carrier Status Non-admitted States All States

® IT Risk Managers, Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® Costanza Insurance Agency, Inc. Coverages GL, Professional Liab, Workers’ Comp States All States

® Indemnity Excess & Surplus Agency, Inc. Coverages Contractors Equip, GL, Lost Key Carrier Status Non-admitted States WA, TX, OR, NV, ID, HI, FL, CO, CA, AZ ® Insurance Innovators, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Commercial Excess, EPLI, Excess Liab, GL, Inland Marine, Liability, Medical Payments, Pollution, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ, MD, DE

® J.L. von Arx & Associates

Coverages CGL, Personal Property Carrier Status Admitted, Non-admitted States CA, AZ

® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N55

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® McGraw Insurance Services Coverages BOP, Liability States CA

Landfills/Recycling/Disposal Facilities

Laundries

® National Advantage Insurance Services, Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States CA

® 5Star Waste Insurance Program, formerly BISYS Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Physical Damage, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Crime, Fire, GL, Liability, Personal Property, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV ® NIP Group, LLC Coverages Auto Comm-Standard Liability, Blanket Addt’l Insureds, Crime, GL, Inland Marine, Products Liab, Property, Umbrella States Most States ® Pacific Specialty Insurance Co. Coverages BOP, Liability Carrier Status Admitted States CA ® Superior Access Insurance Services Coverages Auto Comm-Standard, Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® Tangram Insurance Services Coverages Auto Comm-Standard, Business Income, Care/Custody/Control, CGL, Commercial Excess, Lost Key, Property Carrier Status Admitted States WA, UT, OR, NV, CA, AR ® TAPCO Underwriters, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Jr. Markets/Liquor Stores ® Crusader Insurance Company Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Crime, Earthquake, Excess Liab, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® Environmental Insurance Agency (EIA) Coverages Environmental Liab, GL, Pollution Liab States Most States

Landscape Contractors ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States ® Braishfield Associates, Inc. Coverages Business Income, CGL, Contractors Equip, EPLI, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Commodore Insurance Services, Inc. Coverages CGL, Commercial Excess, Contractors Equip, Excess Liab, Inland Marine, Liability, OCP, Products Liab, Tools & Equip, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Non-admitted States CA ® Construction Insurance Solutions Coverages Auto Comm-Standard, Commercial Excess, Contractors Equip, GL, Real & Business Personal Prop, Workers’ Comp Carrier Status Non-admitted States All States ® Landscape Contractors Insurance Services, Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, GL, Herbicide & Pesticide, Inland Marine, Nonowned & Hired Auto, Property, Workers’ Comp States AZ, CA, NV ® NIP Group, LLC Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Crime, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

Landscape Gardeners

® Prime Insurance Coverages Assault & Battery, Business Interruption, Completed Operations Liab, Fire Legal Liab, Liability, Liquor Liab, Products Liab, Property Carrier Status Admitted, Non-admitted States Most States

® Anderson & Murison, Inc. Coverages CGL, Herbicide & Pesticide, Inland Marine Carrier Status Non-admitted States CA

® Unifax Insurance Systems, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

Laboratories - Testing

® Atlantic Casualty Insurance Company Coverages CGL, Inland Marine, Property Carrier Status Non-admitted States Most States

® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, E&O, Environmental Liab, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Builders Risk, Cyber Liab, E&O, EPLI, Fire Legal Liab, Flood, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Misc Professional Liab, Professional Liab Carrier Status Non-admitted States All States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Venture Insurance Programs Coverages Auto Comm-Standard, D&O, E&O, EPLI, GL, Property, Technology E&O, Workers’ Comp Carrier Status Admitted States All States

Land Surveyors ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States ® Professional Underwriters Agency, Inc. Coverages E&O, EPLI, Pollution Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States ® RA&MCO Insurance Services Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Victor O. Schinnerer & Co. Coverages Auto Comm-Standard, BOP, CGL, D&O, E&O, EPLI, Fiduciary Liab, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States ® Ins. Innovators Agency Of New England (Scarborough) Coverages CGL, Commercial Excess, Contractors Equip, E&O, EPLI, GL, Herbicide & Pesticide, Inland Marine, Liability, OCP, Professional Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Insurance Innovators of New Jersey, Inc. Coverages CGL, Contractors Equip, Liability, Tools & Equip, Umbrella Carrier Status Non-admitted States NY, NJ ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Excess Liab, Pollution, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® NIP Group, LLC Coverages Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, EPLI, Herbicide & Pesticide, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Align General Insurance Agency, Inc. Coverages Bailee/Customer Goods, Business Income, Business Interruption, GL, Property, Real & Business Personal Prop Carrier Status Admitted States CA ® Gridiron Insurance Underwriters, Inc. Coverages Assault & Battery, Bailee/Customer Goods, Business Income, CGL, Crime, Liability, Property Carrier Status Non-admitted States PA, NY, NC, MS, MO, MN, MI, LA, KY, GA, FL, CO, AL, SC, TN, TX ® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

Law Firms ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® Agency Marketing Services Coverages E&O, Professional Liab Carrier Status Admitted States FL ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX ® AVRECO Coverages EPLI, GL, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Continental Brokers, Inc. Coverages BOP, Business Income, Business Interruption, Earthquake, EPLI, Flood, Homeowners Pkg, Legal Expense Ins, Legal Malpractice, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Cooper & McCloskey, Inc. Coverages Legal Malpractice, Professional Liab Carrier Status Admitted States CA ® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages E&O, Legal Malpractice Carrier Status Admitted States All States ® DVUA (W Va.), a div of Hull & Co., Inc. Coverages E&O, Legal Malpractice Carrier Status Admitted States All States ® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States ® Gray-Stone & Company, Inc. Coverages Crime, D&O, E&O, Fiduciary Liab, GL, Kidnap/Ransom, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Fort Lauderdale Coverages Commercial Excess, D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States FL ® HULL & Company, Inc. - Horsham Coverages E&O, Legal Malpractice Carrier Status Admitted States All States ® Jorgensen & Company Coverages EPLI, Professional Liab Carrier Status Non-admitted States All States ® Lawyer’s Protector Plan Coverages E&O, Legal Liab, Legal Malpractice, Professional Liab Carrier Status Admitted States Most States

® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

® Liberty International Underwriters Coverages Professional Liab Carrier Status Admitted, Non-admitted States All States

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

® Monitor Liability Managers, LLC Coverages E&O, EPLI, Legal Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Yates & Associates Ins. Services Coverages CGL, Contractors Equip Carrier Status Non-admitted States CA

® Rockwood Programs, Inc. Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States

Laser Centers

® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Legal Malpractice, Liability, Medical Payments, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States ® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, Liability, Professional Liab, Property Carrier Status Non-admitted States All States

N56 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Legal Malpractice, Professional Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ

Limousine Service Companies ® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States All States ® Align General Insurance Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Property Carrier Status Admitted States AZ, CA, WA ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL Carrier Status Admitted, Non-admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Memphis) Coverages Auto Comm-Standard Liability, EPLI, Excess Liab, Liability, Nonowned & Hired Auto, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Nashville) Coverages Auto Comm-Standard Liability, EPLI, Excess Liab, Liability, Nonowned & Hired Auto, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (New York) Coverages Auto Comm-Standard Liability, EPLI, Excess Liab, Liability, Nonowned & Hired Auto, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Dallas Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, GL Carrier Status Non-admitted States TX ® KF&B, Inc. Coverages Auto Comm-Standard, Liability, Physical Damage Carrier Status Admitted States CA, AZ ® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® RLI Transportation Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States Most States ® The Managing Agency Group Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL, Property Carrier Status Admitted States All States ® Trans Cal Associates Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CA

® iii of Maryland, Inc. Coverages CGL, Excess Flood, Excess Liab, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States DE, MD, VA ® Ins. Innovators Agency Of New England (Scarborough) Coverages BOP, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Employee Benefits, EPLI, Equipment Breakdown, Food Spoilage, GL, Liability, Liquor Liab, Medical Payments, Property, Spoilage, Theft, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Liberty International Underwriters Coverages Liquor Liab Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, GA, CT, AL ® Liquor Pak Insurance Programs Coverages Auto Comm-Standard, BOP, Business Interruption, Cyber Liab, Equipment Breakdown, Liquor Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® MarketScout Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States All States

® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX

Machine Shops

Long Term Care Facilities ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Abuse & Molestation, Liability, Umbrella Carrier Status Admitted, Non-admitted States All States ® Aon Association Services Coverages Auto Comm-Standard Liability, D&O, Employee Benefits, Equipment Breakdown, Excess Liab, GL, Personal Property, Property Carrier Status Admitted, Non-admitted States Most States ® CRES Insurance Services, LLC Coverages Abuse & Molestation, GL, Professional Liab Carrier Status Non-admitted States Most States ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Compass Insurance Group of Agencies Coverages Business Income, CGL, Liquor Liab, Property Carrier Status Non-admitted States CA ® Dunfield Wholesale Insurance, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States CA ® Geo. F. Brown & Sons, Inc. Coverages Assault & Battery, GL, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Non-admitted States WI, WA, VT, VA, TX, SC, PA, OR, OH, NY, NV, NJ, NC, MN, MI, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ ® HULL & Company, Inc. - Albuquerque Coverages CGL, Liquor Liab Carrier Status Non-admitted States AZ, NM

www.insurancejournal.com

® M.J. Hall & Company, Inc. Coverages CGL, Excess Liab, Pollution, Products Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® Smith, Bell & Thompson Coverages Auto Comm-Standard, Equipment Breakdown, GL, Property, Umbrella Carrier Status Admitted States Most States ® Western Security Surplus Insurance Brokers, Inc. Coverages Bailee/Customer Goods, Business Income, CGL, Liability, Medical Payments, New Occurrence, Products Liab, Property Carrier Status Non-admitted States TX, CA

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

® Western Surplus Lines Agency, Inc. Coverages Bailee/Customer Goods, Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Products Liab Carrier Status Non-admitted States LA, NM, OK, TX

® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

® Ponce de Leon LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Admitted States FL

® Brecht & Associates Coverages CGL, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX

® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States

® Continental Brokers, Inc. Coverages Auto Comm-Standard Liability, Boiler & Machinery, BOP, CGL, Commercial Marine, Crime, EPLI, Flood, Medical, Nonowned & Hired Auto, Products Liab, Property, Umbrella Carrier Status Admitted States All States

Liquor Stores

® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, Liquor Liab, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Keith D. Peterson & Company Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Boiler & Machinery, Builders Risk, Cargo, Crime, Earthquake, Equipment, Equipment Breakdown, Flood, Foreign GL, Hail, Inland Marine, Liability, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Woodus K. Humphrey & Co. (AmWINS) Coverages Boiler & Machinery, Business Interruption, Equipment Breakdown, Inland Marine, Property Carrier Status Admitted States All States

® Superior Access Insurance Services Coverages Auto Comm-Standard, Liability, Liquor Liab, Property, Workers’ Comp Carrier Status Admitted States All States

® Lewis & Clark LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States WV, VT, TX, SD, RI, PA, OK, NM, NH, MS, MI, ME, MA, LA, HI, FL, DE, AZ, AR, AL, AK

® American Team Managers Ins. Services, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States Most States

® Crump Insurance Services, Inc. (Portland) Coverages GL, Property Carrier Status Non-admitted States WY, WA, UT, OR, NV, MT, ID, CO, CA, AZ, AK

® OnPoint Underwriting Coverages Contractors Equip, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States

® Northern States Agency Coverages CGL, Fire, Liquor Liab Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Liquor Liab, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH

® Crump Insurance Services, Inc. (Memphis) Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Russell Bond & Co., Inc. Coverages Auto Comm-Standard, Liability, Medical, Medical Malpractice, Mental Health Care, Property States VT, VA, PA, NY, NJ, MA, CT ® THOMCO Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® Westrope Coverages CGL, Medical Malpractice, Misc Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Lumber Mills/Saw/Plywood

Managed Care Centers ® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Evolution Insurance Brokers Coverages Abuse & Molestation, Business Interruption, Fire, Fire Legal Liab, Liability, Misc Professional Liab, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® Managed Care Svcs., a div of Swett & Crawford Coverages D&O, E&O, EPLI Carrier Status Non-admitted States All States ® NAS Insurance Services, Inc. Coverages Cyber Liab, D&O, E&O, EPLI, Managed Care Carrier Status Admitted, Non-admitted States Most States ® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States ® Swett & Crawford Coverages D&O, E&O, EPLI, Excess Liab, Professional Liab C arrier Status Admitted States All States ® USX/S

® 5Star Lumber Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages Auto Comm-Nonstandard, BOP, Catastrophe, CGL, Environmental Liab, Equipment, Equipment Breakdown, GL, Inland Marine, Material Damage, Motor Truck Cargo, Nonowned & Hired Auto, Pollution, Pollution Liab, Property, Tools & Equip, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Coverages D&O, E&O, EPLI, Excess Liab, Identity Theft, Managed Care Carrier Status Non-admitted States All States

® Worldwide Facilities, Inc. Coverages Abuse & Molestation, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages Abuse & Molestation, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Umbrella Carrier Status Admitted, Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N57

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Manufacturers ® 5Star Business Auto Program (Misc. classes), formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States Most States

® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Colemont Insurance Brokers - Atlanta Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella C arrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Hartford Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages CGL, Completed Operations Liab, D&O, E&O, EPLI, Excess Liab, GL, Inland Marine, Liability, Product Extended Warranty, Products Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Combined Underwriting Agency Network, Inc. Coverages Bailee/Customer Goods, Business Interruption, Care/Custody/Control, Cargo, CGL, E&O, Fire, Inland Marine, Products Liab, Professional Liab Carrier Status Non-admitted States PA, NY, NJ ® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States

® Crump Insurance Services, Inc. (Seattle) Coverages GL, Property Carrier Status Non-admitted States WA, OR, ID ® Euclid Managers, LLC Coverages Cyber Liab, E&O, Identity Theft Carrier Status Non-admitted States All States ® Financial Risk Solutions, Inc. Coverages Service Contracts, Warranties, Extended Carrier Status Admitted States All States ® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States IL, CT, VT, NY, NJ, NH, MA ® Gorst Co. Coverages E&O, GL, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States CA ® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States ® Intercorp, Inc. Coverages D&O, Environmental Liab, EPLI, Fiduciary Liab, Products Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® J.M. Wilson Coverages CGL, Products Liab, Property Carrier Status Admitted, Non-admitted States WI, OH, MO, MI, KS, IN, IL ® Joseph Chiarello & Co., Inc. Coverages CGL, Equipment Breakdown, Property, Umbrella Carrier Status Admitted States Most States

Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, Excess Liab, GL, Inland Marine, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Marina Operators ® Apollo General Ins. Agency, Inc. Coverages Bailee/Customer Goods, Historic Bldgs/Unique Property, Hoist/Haul-out, Marina Operators Legal, Pollution Liab, Protection & Indemnity (P&I), Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted States All States ® Brauer & Associates, Inc. Coverages Boats, Business Income, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Hull, Marina Operators Legal, Ship Repairers Legal, Umbrella Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages Environmental Liab, Equipment, GL, Nonowned & Hired Auto, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States Most States ® Bunker Hill Insurance Agency Coverages Accessories, Boats, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Hoist/Haul-out, Liquor Liab, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Watercraft Liab Carrier Status Admitted States IN, KY, MI, OH, TN, TX ® Burnett & Company, Inc. Coverages Care/Custody/Control, GL, Liquor Liab, Pollution, Ship Repairers Legal Carrier Status Non-admitted States All States

® MacAfee & Edwards, Inc. - Mexican Insurance Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Non-admitted States Most States

® Continental Risk Insurance Services Coverages Blanket Addt’l Insureds, Business Income, CGL, Commercial Marine, Employee Benefits, Equipment Breakdown, Hull, Inland Marine, Marina Operators Legal, Property, Ship Repairers Legal Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ

® MarketScout Coverages Liability, Products Liab Carrier Status Non-admitted States All States

® Crump Insurance Services, Inc. (Seattle) Coverages Cargo, Pollution Liab Carrier Status Admitted, Non-admitted States All States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Blanket Addt’l Insureds, Completed Operations Liab, Equipment, Foreign GL, Inland Marine, Liability, Motor Truck Cargo, Pollution, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ

® Evolution Insurance Brokers Coverages Bailee/Customer Goods, Boats, Business Interruption, Fire, Fire Legal Liab, Hoist/Haul-out, Inland Marine, Liability, Loss of Use, Misc Professional Liab, Ship Repairers Legal, Theft, Uninsured Boaters, Watercraft Liab Carrier Status Admitted, Non-admitted States Most States

® Norman-Spencer International, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Nonstandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess Carrier Status Admitted States Most States

® HULL & Company, Inc. - Charlotte Coverages CGL, Marina Operators Legal, Piers & Docks, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA

® RSI International, Inc. (Missouri) Coverages Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Completed Operations Liab, Excess Liab, Liability, Medical Payments, Motor Truck Cargo, Nonowned & Hired Auto, Products Liab, Property, Technology E&O, Theft, Tools & Equip, Umbrella Carrier Status Non-admitted States TN, OK, MO, KY, KS, IN, IL, ID, IA, AR ® Russell Bond & Co., Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, Cargo, CGL, Commercial Excess, Commercial Marine, Completed Operations Liab, Crime, D&O, Environmental Liab, EPLI, Fidelity, Fiduciary Liab, Inland Marine, Int’l Coverage - Commercial, Motor Truck Cargo, Pollution, Property, Reps & Warranties, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Property, Umbrella Carrier Status Non-admitted States All States ® USG Insurance Services, Inc. Coverages CGL, Completed Operations Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® USX/S

Coverages CGL, Int’l Coverage - Commercial, Pollution, Products Liab, Property, Umbrella Carrier Status Non-admitted States All States

® Westrope Insurance Managers of Florida, LLC Coverages Business Income, GL Carrier Status Non-admitted States GA, FL ® Worldwide Facilities, Inc. Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, Excess Liab, GL, Inland Marine, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, Excess Liab, GL, Inland Marine, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages Business Income, Business Interruption, CGL, Completed Operations Liab, Excess Liab, GL, Inland Marine, Products Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington

N58 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® HULL & Company, Inc. - Fort Lauderdale Coverages Commercial Marine, Marina Operators Legal, Property Carrier Status Non-admitted States Most States ® Maritime General Agency Coverages Care/Custody/Control, Marina Operators Legal Carrier Status Admitted States Most States ® Markel American Insurance Co. Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States ® Prime Insurance Coverages BOP, Business Income, CGL, Inland Marine, Liability, Marina Operators Legal, Property Carrier Status Admitted, Non-admitted States Most States ® T.H.E. Insurance Company Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States Most States ® TCA, Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages CGL, Inland Marine, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Umbrella Carrier Status Admitted States Most States ® Venture Insurance Programs Coverages Addt’l Expense, Business Income, Commercial Marine, Completed Operations Liab, GL, Marina Operators Legal, Physical Damage, Piers & Docks, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States ® Western Maritime Coverages Boats, Cargo, Commercial Marine, EPLI, GL, Marina Operators Legal, Medical, Property, Protection & Indemnity (P&I), Tools & Equip, Transportation Pollution Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® WFT, Inc. Coverages Boats, CGL, Commercial Marine, Excess Liab, GL, Hull, Legal Liab, Liability, Marina Operators Legal, Umbrella, Watercraft Liab, Wet Marine Carrier Status Admitted States WA, VA, TX, SC, PA, NJ, NH, NC, MS, MD, MA, LA, GA, FL, CA, AL

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Marina/Boat Repair & Service Centers ® All Risks, Ltd. Coverages Builders Risk, GL, Hull, Protection & Indemnity (P&I), Workers’ Comp Carrier Status Non-admitted States All States ® Apollo General Ins. Agency, Inc. Coverages Commercial Marine, Liability, Marina Operators Legal, Pollution Liab, Protection & Indemnity (P&I), Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted States All States ® Brauer & Associates, Inc. Coverages Commercial Marine, Hull, Inland Marine, Liability, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal, Watercraft Liab Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages Environmental Liab, Equipment, Equipment Breakdown, GL, Nonowned & Hired Auto, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Insurance Center Special Risks Ltd Coverages Auto Comm-Standard, Boiler & Machinery, Equipment, GL, Marina Operators Legal, Piers & Docks, Property, Protection & Indemnity (P&I), Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, CT ® Maritime General Agency Coverages Boiler & Machinery, CGL, Commercial Marine, Excess Liab, Inland Marine, Liquor Liab, Marina Operators Legal, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal, Wet Marine Carrier Status Admitted States All States ® Norman-Spencer Agency, Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Marina Operators Legal, Property, Watercraft Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boats, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Garage Keepers Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Protection & Indemnity (P&I), Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® TCA, Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages Auto Comm-Standard, Boats, CGL, Commercial Excess, Equipment, Hull, Marina Operators Legal, Piers & Docks, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, Watercraft Liab Carrier Status Admitted States Most States ® Venture Insurance Programs Coverages Addt’l Expense, Business Income, Commercial Marine, Completed Operations Liab, GL, Marina Operators Legal, Physical Damage, Piers & Docks, Products Liab, Property, Protection & Indemnity (P&I), Watercraft Liab, Workers’ Comp Carrier Status Admitted States All States ® Western Maritime Coverages Boats, E&O, EPLI, GL, Marina Operators Legal, Pollution Liab, Property, Protection & Indemnity (P&I), Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Continental Risk Insurance Services Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Business Income, Care/Custody/Control, CGL, Commercial Marine, Crime, Employee Benefits, Equipment Breakdown, Hull, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Piers & Docks, Property, Protection & Indemnity (P&I), Umbrella Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ ® Maritime General Agency Coverages Auto Comm-Standard, Boats, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Commercial Marine, Crime, Dealers Open Lot, Equipment, Excess Liab, Fire, GL, Hull, Inland Marine, Legal Liab, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States ® Markel American Insurance Co. Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States ® TCA, Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Wet Marine Carrier Status Admitted, Non-admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages CGL, Inland Marine, Marina Operators Legal, Piers & Docks, Property, Ship Repairers Legal, Umbrella Carrier Status Admitted States Most States ® Western Maritime Coverages Boats, Cargo, Commercial Marine, D&O, E&O, EPLI, GL, Marina Operators Legal, Pollution Liab, Products Liab, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. Coverages Bailee/Customer Goods, Boats, Cargo, CGL, Commercial Marine, Contractors Equip, D&O, Environmental Liab, EPLI, Excess Liab, GKLL, GL, Inland Marine, Liability, Marina Operators Legal, New Occurrence, Physical Damage, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

Marinas/Boat Dealers ® Apollo General Ins. Agency, Inc. Coverages Boats, Commercial Marine, GL, Hull, Marina Operators Legal, Piers & Docks, Pollution Liab, Protection & Indemnity (P&I), Umbrella, Uninsured Boaters, Watercraft Liab, Wet Marine Carrier Status Admitted States All States ® Brauer & Associates, Inc. Coverages Business Income, Care/Custody/Control, CGL, Completed Operations Liab, Equipment, Inland Marine, Marina Operators Legal, Piers & Docks, Property, Protection & Indemnity (P&I), Trade Shows & Festivals, Watercraft Liab Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages EPLI, Equipment, Equipment Breakdown, GL, Legal Liab, Marina Operators Legal, Nonowned & Hired Auto, Physical Damage, Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Continental Risk Insurance Services Coverages Blanket Addt’l Insureds, Business Income, Commercial Marine, Employee Benefits, Equipment Breakdown, Flood, GL, Hull, Inland Marine, Legal Liab, Liquor Liab, Piers & Docks, Property, Ship Repairers Legal Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N59

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Martial Arts Facilities ® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States ® K & K Insurance Group, Inc. Coverages CGL, Equipment, Inland Marine, Medical Payments, Participant Accident Carrier Status Admitted States All States ® Markel Insurance Company Coverages Accident & Health, Auto Comm-Standard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Personal Property, Property, Umbrella Carrier Status Admitted States Most States ® Northern States Agency Coverages Abuse & Molestation, CGL, Fire, Professional Liab Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

Medical & Physical Rehab Facilities ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Business Interruption, Employee Benefits, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Monitor Liability Managers, LLC Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted, Non-admitted States All States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® Quaker Special Risk (New Jersey) Coverages Abuse & Molestation, CGL, GL, Liability, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Medical Device/Instrument Manufacturer ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab States Most States ® Combined Underwriting Agency Network, Inc. Coverages CGL, E&O, Inland Marine, Products Liab, Professional Liab Carrier Status Non-admitted States PA, NY, NJ ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ® Quaker Special Risk (Florida) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (Mass.)

Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Quaker Special Risk (New York) Coverages CGL, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Venture Insurance Programs Coverages Auto Comm-Standard, Cyber Liab, D&O, E&O, EPLI, GL, Property, Technology E&O, Workers’ Comp Carrier Status Admitted S tates All States

Medical Imaging Centers ® AIRisk (formerly listed as AIG Programs) Coverages GL, Professional Liab Carrier Status Non-admitted States All States ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX

® Centurion Insurance Group Coverages D&O, Professional Liab Carrier Status Admitted States All States

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages E&O, Medical Carrier Status Admitted States NY, NJ

® HULL & Company, Inc. - Charlotte Coverages GL, Medical Malpractice, Professional Liab Carrier Status Non-admitted States GA, NC, SC, TN, VA

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages CGL, GL, Liability, Professional Liab, Umbrella Carrier Status Non-admitted States Most States

Medical Professionals ® Access E&S Insurance Services (CA) Coverages BOP, Medical Malpractice Carrier Status Non-admitted States NV, MD, ID, CO, CA, AZ, TX, VA, WA, DC ® Access E&S Insurance Services (VA) Coverages Excess Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® Advanced Professional Services, LLC Coverages BOP, Business Interruption, CGL, GL, Legal Expense Ins, MEDEFENSE Plus, Medical Malpractice Carrier Status Admitted, Non-admitted States TX, OH, MI, KY, FL ® AVRECO Coverages EPLI, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, Fidelity, Misc Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Professional Liab, Property Carrier Status Admitted, Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab States Most States ® Colemont Insurance Brokers - Atlanta Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages Abuse & Molestation, CGL, D&O, E&O, EPLI, Excess Liab, Liability, Medical Malpractice, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Louisiana) Coverages D&O, E&O, EPLI, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States

N60 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® HULL & Company, Inc. - Horsham Coverages E&O, Medical Malpractice Carrier Status Admitted, Non-admitted States All States ® J.M. Wilson Coverages CGL, Professional Liab Carrier Status Non-admitted States WI, OH, MO, MI, KS, IN, IL ® KZ Insurance Brokerage, LLC Coverages Auto Comm-Standard, BOP, Professional Liab, Workers’ Comp Carrier Status Admitted States TN, NV, LA, CO, CA, AZ ® NAS Insurance Services, Inc. Coverages Cyber Liab, D&O, EPLI, MEDEFENSE Plus, Medical Malpractice Carrier Status Non-admitted States Most States ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages D&O, E&O, Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Professional Underwriters Liability Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® PULIC Insurance Services, Inc. Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States ® RLI Transportation Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States Most States ® Rockwood Programs, Inc. Coverages Medical Malpractice, Misc Professional Liab Carrier Status Admitted, Non-admitted States All States ® USX/S

Coverages Abuse & Molestation, CGL, Identity Theft, Medical Malpractice Carrier Status Non-admitted States All States

® Worldwide Facilities, Inc. Coverages Abuse & Molestation, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, EPLI, Excess Liab, GL, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages Abuse & Molestation, Commercial Excess, Medical, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Medicare/Medicaid Billing E&O, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Medical Spas ® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages GL, Professional Liab, Property Carrier Status Non-admitted States All States ® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, CGL, Professional Liab, Property Carrier Status Non-admitted States All States ® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

Mental Health Care Facilities ® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, CGL, COC, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Irwin Siegel Agency, Inc. Coverages Addiction Treatment, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

® London American Risk Specialists, Inc. Coverages Addt’l Living Expense, Business Income, Equipment Breakdown, Fire, Garage Keepers Legal Liab, GL, Inland Marine, Liability, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States

® NSM Insurance Group Coverages Garage Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States ® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Boiler & Machinery, Business Income, Business Interruption, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Mental Health Care, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O Carrier Status Non-admitted States All States

® THOMCO Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

Metalworking Companies ® Smith, Bell & Thompson Coverages Auto Comm-Standard, GL, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Mobile Auto Detailer ® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Medical Payments, Nonowned & Hired Auto, Personal Property Carrier Status Admitted, Non-admitted States CA, AZ ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Excess Liab, Garage Liability, GKLL, Medical Payments, Truck Auto Liab Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

Mobile Home Parks (Commercial) ® 4 All Insurance Services Coverages Business Income, CGL, Crime, GL, Inland Marine, Liability, Mobile Home Ins, Property, Umbrella Carrier Status Admitted, Nonadmitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ

Mortgage Bankers/Lenders ® CRES Insurance Services, LLC Coverages GL, Professional Liab States WA, VA, UT, TX, SC, PA, OR, OH, NV, NJ, NC, MO, MI, MD, MA, IN, IL, GA, FL, CT, CO, CA, AZ ® Crump Insurance Services, Inc. (Nashville) Coverages E&O, EPLI, Escrow E&O, Fidelity Bonds, Mortgage Impairment, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

Solutions, Inc. Coverages Flood, Force Place Fire Cvrg, Foreclosed Properties, Mortgage Impairment, Mortgage REO Cvrg Carrier Status Admitted, Non-admitted States All States ® Quaker Special Risk (Georgia) Coverages CGL, Products Liab Carrier Status Non-admitted States Most States ® U.S. Risk Financial Services Coverages Crime, Cyber Liab, D&O, E&O, EPLI, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, Professional Liab Carrier Status Admitted, Non-admitted States All States ® U.S. Risk Insurance Group, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Blanket Forced Placed, Business Income, Business Interruption, CGL, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Equipment, Equipment Breakdown, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Foreclosed Properties, GL, Glass, Inland Marine, Kidnap/Ransom, Mechanical Breakdown, Mysterious Disappearance, Nonowned & Hired Auto, Physical Damage, Professional Liab, Property, Technology E&O, Theft, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States ® Venture Insurance Programs Coverages Auto Comm-Standard, D&O, E&O, EPLI, Workers’ Comp Carrier Status Admitted States All States ® Worldwide Facilities, Inc. Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Mortgage Brokers ® Access E&S Insurance Services (CA) Coverages BOP, Fidelity Bonds, Professional Liab Carrier Status Admitted, Non-admitted States NY, NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, DC ® Access E&S Insurance Services (VA) Coverages Excess Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ

® CRES Insurance Services, LLC Coverages GL, Professional Liab States WA, VA, UT, TX, SC, PA, OR, OH, NV, NJ, NC, MO, MI, MD, MA, IN, IL, GA, FL, CT, CO, CA, AZ

® Brecht & Associates Coverages CGL, GL, Umbrella Carrier Status Non-admitted States TX

® Crump Insurance Services, Inc. (Louisiana) Coverages D&O, E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® HULL & Company, Inc. - Kalispell Coverages GL, Inland Marine, Property Carrier Status Non-admitted States ID, MT, WY ® J.E. Brown & Associates Coverages Property, Rented Property Carrier Status Admitted, Non-admitted States CA ® King Insurance Support Systems Coverages Crime, Inland Marine, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States WI, WA, UT, TX, TN, SC, PA, OR, OK, OH, NV, NE, NC, MT, MO, MI, IN, IL, ID, IA, CO, CA, AZ

www.insurancejournal.com

® Priority Insurance Underwriters Coverages Cast Insurance, Catastrophe, CGL, E&O, Equipment, Foreign GL, GL, Media Liab, Negative Film Carrier Status Admitted, Non-admitted States TX, OR, NY, NV, NM, CO, CA, AZ

Motor Sports ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States

Motorcycle Dealers ® J.L. von Arx & Associates Coverages Dealers Open Lot, Excess Liab, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Nonowned & Hired Auto, Property, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® K & K Insurance Group, Inc. Coverages Business Income, Crime, Employee Benefits, EPLI, Garage Liability, Inland Marine, Workers’ Comp Carrier Status Admitted States All States ® MBA Insurance Agency of AZ, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg States Most States ® Yates & Associates Ins. Services Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States CA

Movie Boats ® Abacus Insurance Brokers Coverages Blanket Addt’l Insureds, Boats, CGL, Watercraft Liab, Wet Marine, Workers’ Comp Carrier Status Admitted States All States ® Gales Creek Insurance Services Coverages Hull, Protection & Indemnity (P&I), USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Movie Theaters

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, EPLI, Excess Liab, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States

Moving & Storage Companies

® King Insurance Support Systems Coverages Professional Liab States Most States

® 5Star Business Auto Program (Misc. classes), formerly

® Logic Underwriters, Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States

® Gales Creek Insurance Services Coverages Auto Comm-Standard, Business Interruption, Cast Insurance, CGL, E&O, Negative Film, Props, Sets, Umbrella, Wardrobe, Workers’ Comp Carrier Status Admitted States Most States

® K & K Insurance Group, Inc. Coverages Auto Comm-Standard, CGL, Crime, Employee Benefits, Excess Liab, Inland Marine, Liquor Liab, Property Carrier Status Admitted States All States

® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

® Philadelphia Insurance Companies Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States Most States

® Euclid Managers, LLC Coverages E&O, Professional Liab Carrier Status Admitted States All States

® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® Anderson & Murison, Inc. Coverages CGL, Professional Liab, Property Carrier Status Non-admitted States CA

® Evolution Insurance Brokers Coverages Dwelling Fire, Earthquake, Fire, Fire Legal Liab, Homeowners Pkg, Liability, Mobile Home Ins, Rented Property, Renters Insurance, Theft Carrier Status Admitted, Non-admitted States Most States

® Abacus Insurance Brokers Coverages Blanket Addt’l Insureds, Equipment, Faulty Coverage, GL, Negative Film, Nonowned & Hired Auto, Workers’ Comp Carrier Status Admitted States All States

® HCC Specialty Underwriters, Inc. (MA) Coverages Cast Insurance, Equipment, Event Cancellation, Fire, Liability, Negative Film, Property, Props, Wardrobe, Weather Carrier Status Non-admitted States All States

® Insurmark a Div. of Financial & Professional Risk

® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE

® Compass Insurance Group of Agencies Coverages Business Income, CGL, Property Carrier Status Non-admitted States CA

® Worldwide Facilities, Inc. Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Motion Picture (Film/Video) Producers

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Crime, Fire Legal Liab, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted, Non-admitted States All States

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® Venture Insurance Programs Coverages Auto Comm-Standard, D&O, E&O, EPLI, Workers’ Comp Carrier Status Admitted States All States

BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States OH, MI, IL, GA, FL

® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N61

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Moving Companies

® Professional Underwriters - Community Works Insurance

® Delta General Agency Corp.

Coverages Cargo, CGL Carrier Status Admitted, Non-admitted States TX

Program

® Paul Hanson Partners Specialty Ins. Solutions/Mover’s Choice Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Cargo, CGL, Crime, Equipment, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, Property, Truck Auto Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States

Municipalities ® Alliant Specialty Insurance Services, Inc. Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liab, Pollution Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States ® Apex Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, Crime, EPLI, Equipment Breakdown, Inland Marine, Police Professional Liab, Pollution Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States ® Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States CO, GA, ID, MT, NC, NY, OH, PA, WI, WY ® HCC Specialty Underwriters, Inc. (MA) Coverages Prize Indemnification, Weather Carrier Status Non-admitted States All States ® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Public Officials, Umbrella Carrier Status Admitted States All States ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Professional Underwriters Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Commercial Excess, Commercial Marine, Crime, E&O, EPLI, Equipment Breakdown, Fire, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Commercial Excess, Commercial Marine, Crime, Dwelling Fire, E&O, Employee Benefits, Environmental Liab, EPLI, Equipment Breakdown, Fire, GL, Inland Marine, Physical Damage, Police Professional Liab, Professional Liab, Property, Public Officials, Theft, Tools & Equip, Umbrella Carrier Status Admitted States Most States

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages E&O, Excess Liab, Liability, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Venture Insurance Programs Coverages Auto Comm-Standard, Cyber Liab, D&O, E&O, EPLI, GL, Property, Technology E&O, Workers’ Comp Carrier Status Admitted States All States

Night Clubs

® Public Risk Insurance Made Easy - PRIME Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States UT, PA, OH, NY, NC, MT, ME, ID, GA, CO, VA, WI, WY

® Combined Underwriting Agency Network, Inc. Coverages Business Interruption, CGL, Fire, Inland Marine, Liquor Liab Carrier Status Non-admitted States PA, NY, NJ

Museums

® Geo. F. Brown & Sons, Inc. Coverages Assault & Battery, GL, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Non-admitted States WI, WA, VT, VA, TX, SC, PA, OR, OH, NY, NV, NJ, NC, MN, MI, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ

® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, Educator Legal Liab, EPLI, GL, Inland Marine, Liquor Liab, Non-Profit D&O, Nonowned & Hired Auto, Property, Umbrella Carrier Status Non-admitted States All States ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Great American Insurance, Specialty Human Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, CGL, Commercial Excess, Completed Operations Liab, Crime, Educator Legal Liab, Equipment Breakdown, Excess Liab, Fidelity, Fine Arts, Fire Legal Liab, GL, Historic Bldgs/Unique Property, Inland Marine, Liquor Liab, Medical & Physical Rehab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Markel Insurance Company Coverages Accident & Health, Auto Comm-Standard, Completed Operations Liab, Crime, Equipment Breakdown, Fine Arts, GL, Historic Bldgs/Unique Property, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

Networking/Telecommunication Co’s ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® iii of Maryland, Inc. Coverages CGL, Equipment Breakdown, Excess Flood, Excess Liab, Liability, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States DE, MD, VA ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Assault & Battery, Fire, GL, Inland Marine, Liability, Liquor Liab, Spoilage Carrier Status Admitted, Non-admitted States NV, CA, AZ ® U.S. Risk Insurance Group, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States All States ® Unifax Insurance Systems, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA ® W.A.Schickedanz Agency, Inc. Coverages Business Income, CGL, Fire, GL, Liability, Liquor Liab, Property Carrier Status Non-admitted States MO, IL, AR

Nonprofit Organizations ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Liability, Nonowned & Hired Auto, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, Educator Legal Liab, EPLI, GL, Inland Marine, Liquor Liab, Non-Profit D&O, Nonowned & Hired Auto, Property, Umbrella Carrier Status Non-admitted States All States ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Liability, Professional Liab, Property Carrier Status Admitted States All States ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States ® Care Providers Insurance Services, LLC Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Liability, Nonowned & Hired Auto, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, NonProfit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Fox Point Programs Coverages D&O, EPLI Carrier Status Admitted, Non-admitted States All States ® Great American Insurance Group - Executive Liability Division Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Gresham & Associates, Inc. - Corporate Office Coverages D&O, EPLI, GL, Umbrella Carrier Status Admitted, Non-admitted States Most States

N62 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Indemnity Excess & Surplus Agency, Inc. Coverages BOP, E&O, EPLI, Non-Profit D&O Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages D&O, EPLI, Non-Profit D&O Carrier Status Admitted, Non-admitted States Most States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Commercial Excess, Excess Liab, Fire, GL, Identity Theft, Inland Marine, Liability, Nonowned & Hired Auto, Professional Liab, Property, Umbrella Carrier Status Admitted, Nonadmitted States Most States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States ® MIC Insurance Brokerage Coverages Accident & Health, D&O Carrier Status Admitted States All States

® AVRECO Coverages D&O, EPLI, Excess Liab, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® American Team Managers Ins. Services, Inc. Coverages Business Interruption, GL, Property Carrier Status Admitted States Most States

® Bunker Hill Insurance Agency Coverages Abuse & Molestation, Auto Comm-Standard Liability, CGL, Community/Social Svcs, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Non-admitted States Most States

® Appleby & Sterling Coverages Business Income, CGL, Property Carrier Status Admitted States NV, CA, AZ

® Casualty & Surety, Inc. Coverages CGL, Professional Liab Carrier Status Non-admitted States All States ® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Brecht & Associates Coverages CGL, Commercial Excess, GL, Property, Umbrella Carrier Status Non-admitted States TX

® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT

® CGA Associates, Inc. Coverages BOP, Umbrella Carrier Status Admitted States All States

® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT

® Commodore Insurance Services, Inc. Coverages BOP, CGL Carrier Status Admitted States CA

® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Monitor Liability Managers, LLC Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted, Non-admitted States All States

® CRES Insurance Services, LLC Coverages Employee Benefits, GL, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States All States

® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States

® Evolution Insurance Brokers Coverages Abuse & Molestation, Fire, Fire Legal Liab, Liability, Mechanical Breakdown, Misc Professional Liab, Sexual Misconduct Liab, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States

® NIF Group, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, Crime, D&O, E&O, Medical Payments, Property Carrier Status Admitted States Most States ® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, D&O, Fiduciary Liab, GL, Liability, Nonowned & Hired Auto, Physical Damage, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States CA

® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States ® Health Care Insurers, Inc. Coverages Auto Comm-Standard, Excess Liab, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Builders Risk, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Non-admitted States Most States

® Prince Associates Coverages Auto Comm-Standard, BOP, Business Income, Business Interruption, CGL, D&O, EPLI, Flood, Horse Mortality, Int’l Coverage Commercial, Livestock/Animal Mortality, Non-Profit D&O, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Lewis & Clark LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Admitted States FL

® R.V. Nuccio & Associates, Inc. Coverages CGL, EPLI, Fidelity, Hole-in-One, Inland Marine, Non-Profit D&O, Nonowned & Hired Auto, Property, Trade Shows & Festivals Carrier Status Admitted States All States ® Swett & Crawford Coverages Abuse & Molestation, Assault & Battery, Blanket Addt’l Insureds, CGL, Community/Social Svcs, D&O, E&O, Educator Legal Liab, EPLI, Fiduciary Liab, Liability, Misc Professional Liab, Non-Profit D&O, Professional Liab, Public Officials, Sexual Misconduct Liab, Tenant Discrimination Carrier Status Admitted, Non-admitted States All States ® Tangram Insurance Services Coverages CGL, Community/Social Svcs, D&O, Property, Sexual Misconduct Liab, Workers’ Comp Carrier Status Admitted States MO, KS, IN, IL, IA, CA ® TAPCO Underwriters, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® Victor O. Schinnerer & Co. Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States All States

Nursing Homes ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® American Safety Insurance Services, Inc. Coverages Completed Operations Liab, GL, Products Liab, Professional Liab Carrier Status Non-admitted States All States ® Aon Association Services Coverages Auto Comm-Standard Liability, D&O, Employee Benefits, Equipment Breakdown, Excess Liab, GL, Personal Property, Property Carrier Status Admitted, Non-admitted States Most States

www.insurancejournal.com

® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® K&B Underwriters, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA ® Horizon E & S Insurance Brokerage Coverages Earthquake, Liability, Property Carrier Status Non-admitted States NV, CA, AZ ® HULL & Company, Inc. - Albuquerque Coverages CGL, Property Carrier Status Non-admitted States AZ, NM ® HULL & Company, Inc. - Charlotte Coverages CGL, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA ® HULL & Company, Inc. - Dallas Coverages CGL, Property Carrier Status Non-admitted States TX ® HULL & Company, Inc. - Great Falls Coverages CGL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Honolulu Coverages GL, Property Carrier Status Non-admitted States HI ® HULL & Company, Inc. - Jacksonville Coverages CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages CGL, Property Carrier Status Non-admitted States FL ® ICAT Coverages All Risks/Cash in Transit, Builders Risk, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® London American Risk Specialists, Inc.

Coverages Abuse & Molestation, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Fire Legal Liab, Identity Theft, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted States Most States ® Ponce de Leon LTC RRG, Inc. Coverages GL, Professional Liab Carrier Status Admitted States FL

® Insurance Innovators of New Jersey, Inc. Coverages BOP, Business Income, CGL, Equipment Breakdown, Liability, Mechanical Breakdown, Property, Umbrella States NY, NJ ® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States ® National Advantage Insurance Services, Inc. Coverages GL, Property Carrier Status Admitted States CA ® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® Quadrant Insurance Managers Coverages GL, Professional Liab States FL, NJ, TX ® Sowers Baccala Insurance Brokerage Coverages CGL, Earthquake, Professional Liab, Property Carrier Status Non-admitted States NV, CA, AZ

® Preferred Property Programs

® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Coverages Boiler & Machinery, Commercial Excess, Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States

® Western Security Surplus Insurance Brokers, Inc. Coverages Abuse & Molestation, Addiction Treatment, CGL, E&O, Earthquake, Fire, Fire Legal Liab, GL, Liability, Managed Care, Medical & Physical Rehab, Medical Malpractice, Mental Health Care, Physical Damage, Professional Liab, Property Carrier Status Non-admitted States TX, CA

® Specialty Programs and Facilities Managers, Inc. (AmWINS) Coverages Liability, Pollution Liab, Property, Umbrella Carrier Status Admitted States NV, CA, AZ

® Westrope Coverages CGL, Medical Malpractice, Misc Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

® UCA General Insurance Coverages Business Income, CGL, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

Office Building Owners ® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® AFG Partners Coverages Excess Flood, Property Carrier Status Admitted, Non-admitted States Most States

® The Distinguished Programs Group Coverages Boiler & Machinery, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, Business Income, GL, Property Carrier Status Non-admitted States GA, FL

Oil & Gas Operators ® Burnett & Company, Inc. Coverages CGL, Control of Well, Political Risk, Pollution, Property Carrier Status Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N63

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Casualty & Surety, Inc. Coverages CGL, Commercial Excess, Equipment, Excess Liab, Inland Marine, Liability, Umbrella Carrier Status Non-admitted States All States ® Crump Insurance Services, Inc. (Dallas) Coverages Auto Comm-Standard Liability, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® R.V. Nuccio & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, CGL, Crime, EPLI, Fidelity, Inland Marine, Medical Payments, Non-Profit D&O, Weather States Most States

® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Blanket Addt’l Insureds, Care/Custody/Control, GL, Professional Liab, Property Carrier Status Non-admitted States CA, NV

Pawn Shops

® Prince Associates Coverages Auto Comm-Standard, BOP, Professional Liab, Workers’ Comp Carrier Status Admitted States Most States

® Crump Insurance Services, Inc. (Louisiana) Coverages CGL, Equipment, Rented Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Topa Insurance Company Coverages GL, Professional Liab, Property Carrier Status Admitted States NV, CA, AZ

® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Excess Liab, GL, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® Wildlife Insurance Underwriters, LLC Coverages BOP, Flood, GL, Horse Mortality Carrier Status Admitted States All States

® HULL & Company, Inc. - Albuquerque Coverages CGL, Pollution Carrier Status Non-admitted States AZ, NM ® LIG Marine Managers Coverages USL&H, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® M.J. Hall & Company, Inc. Coverages CGL, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, NM ® MarketScout Coverages Auto Comm-Standard, Business Interruption, Commercial Excess, Control of Well, E&O, Employee Benefits, Environmental Liab, GL, Pollution, Pollution Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® McClelland and Hine, Inc. Coverages Liability, Umbrella Carrier Status Non-admitted States TX ® Southwest Energy Underwriters, Inc. Coverages Control of Well, Property Carrier Status Non-admitted States All States ® Swett & Crawford Coverages Auto Comm-Standard, Completed Operations Liab, Contractors Equip, Control of Well, Equipment, Fire Legal Liab, GL, Liability, Medical Payments, Pollution, Umbrella Carrier Status Admitted, Non-admitted States All States ® Target Marketing Ins. Services, Inc. Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL ® Transpac Managers, Inc. Coverages Equipment, Rented Property Carrier Status Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States All States ® W.A.Schickedanz Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, CGL, Commercial Marine, Completed Operations Liab, Contractors Equip, Fire, GL, Inland Marine, Liability, Medical Payments, Property, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States MO, IL, AR ® Western Surplus Lines Agency, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Completed Operations Liab, Contractors Equip, Control of Well, Employee Benefits, Fire Legal Liab, Inland Marine, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Pollution Liab, Products Liab, Professional Liab Carrier Status Non-admitted States TX

® Gridiron Insurance Underwriters, Inc. Coverages Crime, Liability, Property Carrier Status Non-admitted States PA, NY, NC, MS, MO, MN, MI, LA, KY, GA, FL, CO, AL, SC, TN, TX

Pest Control Firms ® ACE Westchester - Program Division Coverages Auto Comm-Standard, GL, Property Carrier Status Non-admitted States Most States ® American Safety Insurance Services, Inc. Coverages Auto Comm-Standard, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Brownyard Group Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Crime, Excess Liab, Fidelity, Fidelity Bonds, GL, Inland Marine, Lost Key, Pollution Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States All States

® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, GL, Long Haul, Umbrella Carrier Status Admitted, Non-admitted States Most States

® HULL & Company, Inc. - Horsham Coverages GL, Inland Marine Carrier Status Non-admitted States All States

® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States

® M.J. Hall & Company, Inc. Coverages CGL, Contractors Equip, Excess Liab, Pollution Liab, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, NM

® S.H. Smith & Company, Inc. (Hartford) Coverages Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Northern Ohio E & S Agency, Inc. Coverages Business Income, Care/Custody/Control, E&O, Fire Legal Liab, GL, Herbicide & Pesticide, Pollution, Professional Liab Carrier Status Non-admitted States OH

® Target Marketing Ins. Services, Inc. Coverages Auto Comm-Standard, CGL, Environmental Liab, Excess Liab, Pollution Liab, Property, Truck Auto Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States TN, OR, NV, MS, GA, FL, CO, CA, AZ, AL

® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Blanket Addt’l Insureds, Care/Custody/Control, GL, Products Liab, Professional Liab Carrier Status Non-admitted States CA, NV

® The Managing Agency Group Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL, Property, Umbrella Carrier Status Admitted States Most States

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Care/Custody/Control, D&O, Damage in Process, Equipment Breakdown, Liability, Pollution Liab Carrier Status Admitted States Most States

® THOMCO Coverages E&O, GL, Herbicide & Pesticide, Medical Payments, Personal Liab, Pollution Carrier Status Admitted, Non-admitted States Most States

Osteopaths ® Professional Underwriters Liability Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Colemont Insurance Brokers- Hartford Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Equipment, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States

® H. R. Keller & Company, Inc. Coverages GL, Herbicide & Pesticide, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States VT, RI, PA, OH, NY, NJ, NH, ME, MA, CT

Optometrist

Orchards - Agriculture

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Pollution, Pollution Liab Carrier Status Admitted, Non-admitted States All States

® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States IL, VT, NY, NJ, NH, MA, CT

® Priority Insurance Underwriters Coverages Blanket Addt’l Insureds, CGL, Contractors Equip, GL, Liability Carrier Status Non-admitted States TX, OR, NY, NV, NM, CO, CA, AZ

® Agricultural Insurance Mgmt Svcs.

Coverages CGL, Contractors Equip, Products Liab, Property Carrier Status Admitted States Most States

® American Management Corporation Coverages Auto Comm-Standard, Business Income, Business Interruption, Care/Custody/Control, Cargo, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Food Spoilage, GKLL, GL, Inland Marine, Legal Expense Ins, Legal Liab, Liquor Liab, Loss of Use, Mechanical Breakdown, Occupational Accident, Pollution Liab, Products Liab, Property, Theft, Transportation Pollution Liab, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages GL, Inland Marine Carrier Status Non-admitted States All States

® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Admitted States Most States

® Braishfield Associates, Inc. Coverages Auto Comm-Standard, BOP, CGL, EPLI, Misc Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Petroleum Distributors ® AEON Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, GL Carrier Status Admitted States Most States

Pet Salons/Kennels/Supplies ® A.I.I. Insurance Brokerage of Mass., Inc. Coverages Business Income, CGL, Misc Professional Liab, Real & Business Personal Prop Carrier Status Non-admitted States MA, CT, RI ® Agency Intermediaries, Inc. Coverages Business Income, CGL, Misc Professional Liab, Real & Business Personal Prop Carrier Status Non-admitted States MA, CT ® Continental Brokers, Inc. Coverages BOP, Medical, Mortality, Property, Theft, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Physicians ® 4 All Insurance Services Coverages BOP, CGL, D&O, E&O, EPLI, Excess Liab, GL, Identity Theft, Legal Expense Ins, Managed Care, MEDEFENSE, MEDEFENSE Plus, Medical Malpractice, Personal Liab, Professional Liab, Tax Audit, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ ® Access E&S Insurance Services (VA) Coverages Excess Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® AVRECO Coverages D&O, EPLI, Medical Malpractice Carrier Status Admitted, Non-admitted States All States ® Continental Brokers, Inc. Coverages Accident & Health, Accidental Death, Auto Comm-Standard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Business Income, Business Interruption, Crime, Cyber Liab, Disability, Earthquake, Flood, Glass, Homeowners Pkg, Medical Malpractice, Umbrella Carrier Status Admitted States All States ® Health Care Insurers, Inc. Coverages BOP, Professional Liab Carrier Status Admitted States WI, SD, NY, NM, NE, ND, MO, MN, MI, KS, IL, IA, GA, FL, CO, CA, AZ

® PULIC Insurance Services, Inc. Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Evolution Insurance Brokers Coverages Bailee/Customer Goods, Care/Custody/Control, Fire, Fire Legal Liab, Liability, Livestock/Animal Mortality, Misc Professional Liab, Products Liab, Professional Liab, Theft, Tools & Equip Carrier Status Admitted, Non-admitted States Most States

® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Identity Theft, Legal Expense Ins, Managed Care, MEDEFENSE, MEDEFENSE Plus, Medical Malpractice, Tax Audit, Workers’ Comp Plus Carrier Status Non-admitted States Most States

Parent Teacher Organizations (PTAs/PTOs)

® Northern States Agency Coverages CGL, D&O, Fire Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States

® American Safety Insurance Services, Inc. Coverages Crime, GL, Professional Liab, Property Carrier Status Non-admitted States Most States

N64 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Professional Program Insurance Brokerage Coverages Abuse & Molestation, BOP, CGL, GL, Personal Property, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States ® Professional Underwriters Liability Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® PULIC Insurance Services, Inc. Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States

Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Plastic Manufacturers & Distributors ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV ® Smith, Bell & Thompson Coverages Auto Comm-Standard, GL, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Podiatric Physicians

® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States All States

® Fox Point Programs Coverages E&O, Personal Liab Carrier Status Admitted, Non-admitted States All States

® Worldwide Facilities, Inc. Coverages Abuse & Molestation, CGL, Commercial Excess, Community/Social Svcs, Crime, D&O, EPLI, Excess Liab, Medical, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

® Professional Underwriters Liability Insurance Company Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Worldwide Facilities, Inc. of Phoenix Coverages Abuse & Molestation, Commercial Excess, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Rockwood Programs, Inc. Coverages E&O, Medical Malpractice, Professional Liab Carrier Status Admitted States All States

Piers & Docks

® Professional Underwriters Coverages EPLI, Police Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

® LIG Marine Managers Coverages Builders Risk, Earthquake, Fire, Flood, Hail, Hurricane, Piers & Docks, Property, Windstorm States All States

Pizza Delivery ® AFC Insurance Coverages Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted States Most States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Phys Dmg, BOP, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Brown & Brown of California, Inc. - Programs Coverages Auto Comm-Standard, BOP, Food Spoilage, Nonowned & Hired Auto, Workers’ Comp Carrier Status Admitted States MA, HI, AK ® Colemont Insurance Brokers - Atlanta Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages Auto Comm-Standard, Food Spoilage, GL, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® IPC

Coverages Nonowned & Hired Auto, Pickup & Delivery Charges Carrier Status Non-admitted States Most States

® Sunderland Insurance Services, Inc. Coverages Excess Liab, Nonowned & Hired Auto, Umbrella Carrier Status Non-admitted States Most States

www.insurancejournal.com

® PULIC Insurance Services, Inc. Coverages Liability, Medical Malpractice, Professional Liab Carrier Status Admitted, Non-admitted States All States

® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States ® Crump Insurance Services, Inc. (Portland) Coverages EPLI, Professional Liab States WA, OR ® Freberg Environmental, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, E&O, Environmental Liab, EPLI, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Professional Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

Police/Law Enforcement Officers

® High Country Insurance (a div of Hull & Co.) Coverages E&O, GL Carrier Status Non-admitted States CO ® Indemnity Excess & Surplus Agency, Inc. Coverages CGL, EPLI, Excess Liab, Misc Professional Liab, Property Carrier Status Admitted, Non-admitted States WA, TX, OR, NV, ID, HI, CO, CA, AZ

Printers ® American Team Managers Ins. Services, Inc. Coverages Business Interruption, GL, Professional Liab, Property Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Professional Liability Ins. Svcs, Inc. - Underwriting

® Ins. Innovators Agency Of New England (Hopedale) Coverages COC, Commercial Excess, E&O, EPLI, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Facilities Coverages E&O, EPLI Carrier Status Non-admitted States All States

® J.M. Wilson Coverages CGL, E&O States WI, OH, MO, MI, KS, IN, IL

Production Companies ® Abacus Insurance Brokers Coverages Blanket Addt’l Insureds, Liability, Nonowned & Hired Auto, Property, Workers’ Comp Carrier Status Admitted States All States

® Philadelphia Insurance Companies Coverages BOP, Identity Theft, Misc Professional Liab Carrier Status Admitted States Most States ® Professional Underwriters Agency, Inc. Coverages D&O, E&O, EPLI, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States All States

Professional Employer Organizations (PEO’s) ® Artex Risk Solutions, Inc. Coverages WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States Most States ® Risk Transfer Programs, LLC Coverages WC - Buyback Policies, WC - Captive Placement, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States TX, NV, MI, IL, GA, FL, CA, AL

® Russell Bond & Co., Inc. Coverages CGL, COC, Commercial Excess, EPLI, Excess Liab, Nonowned & Hired Auto, Pollution, Pollution Liab, Products Liab, Professional Liab, Uninsured Motorists Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Target Insurance Services Coverages E&O, GL, Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Target Insurance Services Coverages Business Income, Business Interruption, Care/Custody/Control, CGL, E&O, Employee Benefits, EPLI, Equipment Breakdown, Fidelity, Fiduciary Liab, Fire, Fire Legal Liab, Legal Expense Ins, Legal Liab, Liability, Professional Liab, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States Most States

® Trinity E&S Insurance Services, Inc. (Bermuda Dunes, CA) Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States WA, OR, NV, CA, AZ

® World Wide Specialty Programs, Inc.

® USG Insurance Services, Inc. Coverages Abuse & Molestation, E&O, EPLI, GL, Non-Profit D&O, Professional Liab, Technology E&O, Umbrella Carrier Status Admitted, Non-admitted States Most States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket

Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Professionals/Consultants/Contractors ® Access E&S Insurance Services (VA) Coverages Excess Liab, Pollution, Professional Liab Carrier Status Nonadmitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® Arrowhead General Insurance Agency, Inc. Coverages Liability, Professional Liab Carrier Status Admitted States All States

® Victor O. Schinnerer & Co. Coverages Kidnap/Ransom, Mysterious Disappearance Carrier Status Admitted States All States ® Victor O. Schinnerer & Co. Coverages BOP, CGL, E&O, Professional Liab, Property Carrier Status Admitted States All States ® Western Surplus Lines Agency, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Pollution Liab Carrier Status Non-admitted States LA, NM, OK, TX ® WFT, Inc. Coverages CGL, Equipment, Umbrella Carrier Status Non-admitted States Most States

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab, Professional Liab States Most States ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed

® U.S. Risk Insurance Group, Inc. Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

® Worldwide Facilities, Inc. Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Phoenix Coverages CGL, E&O, EPLI, Excess Liab, GL, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N65

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Worldwide Facilities, Inc. of Washington Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Property Management Firms

® Crump Insurance Services, Inc. (Seattle) Coverages EPLI, Professional Liab States WA, OR ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States

® Agostini Wholesale Insurance Coverages BOP, D&O, E&O, EPLI, Fidelity Carrier Status Admitted, Nonadmitted States VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ, WA

® Ian H. Graham Insurance

® CID Insurance Programs, Inc. Coverages E&O, EPLI, Fidelity, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ

® Indemnity Excess & Surplus Agency, Inc. Coverages E&O, EPLI, Tenant Discrimination Carrier Status Admitted States Most States

® Cluett Commercial Insurance Agency, Inc. Coverages BOP, Umbrella, Workers’ Comp, Workers’ Comp Plus States VT, VA, TX, TN, SC, PA, NY, NJ, NH, ME, MD, MA, KY, IL, ID, GA, FL, DE, CT, CA, AZ ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted, Non-admitted States Most States

Coverages Crime, E&O, EPLI, Fidelity Carrier Status Admitted States Most States

® King Insurance Support Systems Coverages D&O, Professional Liab Carrier Status Non-admitted States CA ® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States ® Logic Underwriters, Inc. Coverages BOP, Professional Liab States TX

® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

® McGowan & Company, Inc. Coverages Commercial Excess, Excess Liab, Umbrella Carrier Status Admitted States All States

® NAS Insurance Services, Inc. Coverages E&O, EPLI, Tenant Discrimination Carrier Status Non-admitted States Most States

® Preferred Property Programs

® Preferred Property Programs

Machinery, BOP, Cyber Liab, EPLI, Equipment Breakdown, Fire Legal Liab, Mechanical Breakdown, Professional Liab Carrier Status Admitted States Most States

EPLI, Equipment Breakdown, Professional Liab, Property Carrier Status Admitted States Most States

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Boiler &

® Southwest Risk Coverages Builders Risk, CGL, Property, Umbrella Carrier Status Admitted, Non-admitted States All States ® Westrope Coverages Assault & Battery, Builders Risk, Business Income, Business Interruption, Catastrophe, CGL, Difference in Conditions, Earthquake, Fire, Flood, Liability, Property, Real & Business Personal Prop, Residential `wrap-up`, Umbrella, Windstorm Carrier Status Admitted, Non-admitted States All States

Property Managers ® Access E&S Insurance Services (CA) Coverages EPLI, GL, Professional Liab, Tenant Discrimination Carrier Status Admitted, Non-admitted States NV, NJ, NC, MD, ID, DE, CO, CA, AZ, PA, TX, VA, DC ® AFG Partners Coverages Difference in Conditions, Excess Flood, Property Carrier Status Admitted, Non-admitted States Most States ® Agostini Wholesale Insurance Coverages E&O, EPLI, Fidelity, Workers’ Comp Carrier Status Admitted, Non-admitted States VA, TX, TN, PA, OR, NV, MD, CO, CA, AZ, WA ® Colemont Insurance Brokers - Atlanta Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages BOP, E&O, EPLI, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Nashville) Coverages Liability, Property Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Portland) Coverages EPLI, Professional Liab States WA, OR

Coverages Auto Comm-Standard, BOP, Business Income, Cyber Liab,

® Rockwood Programs, Inc. Coverages E&O, EPLI, Personal Liab Carrier Status Non-admitted States All States ® RSI International, Inc. (Missouri) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, Business Income, Business Interruption, CGL, Excess Liab, GL, Liability, Medical Payments, Property, Umbrella Carrier Status Non-admitted States AR, IL, IN, KS, KY, MO, OK, TN ® Tangram Insurance Services Coverages Business Income, CGL, Equipment Breakdown, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States WA, OR, NV, CA, AZ

Public Entities ® Alliant Specialty Insurance Services, Inc. Coverages Inland Marine, Property, Umbrella Carrier Status Non-admitted States All States ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Crime, Employee Benefits, EPLI, GL, Inland Marine, Police Professional Liab, Pollution Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States All States

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, Employee Benefits, Equipment Breakdown, Fire Legal Liab, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Professional Underwriters Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Commercial Excess, Commercial Marine, Crime, EPLI, Fire, Inland Marine, Physical Damage, Police Professional Liab, Property, Public Officials, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Professional Underwriters - Community Works Insurance Program Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Commercial Excess, Commercial Marine, Crime, Educator Legal Liab, Environmental Liab, EPLI, Fire, GL, Inland Marine, Physical Damage, Police Professional Liab, Professional Liab, Public Officials, Student Accident, Theft, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Public Risk Insurance Made Easy - PRIME Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States UT, PA, OH, NY, NC, MT, ME, ID, GA, CO, VA, WI, WY ® Russell Bond & Co., Inc. Coverages Educator Legal Liab, Police Professional Liab, Public Officials Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Westrope Coverages CGL, Difference in Conditions, Earthquake, Fire, Flood, Liability, Property, Public Officials, Railroad Protective Liab, Umbrella, Windstorm Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. Coverages Abuse & Molestation, Assault & Battery, CGL, Commercial Excess, D&O, Difference in Conditions, E&O, Educator Legal Liab, EPLI, Excess Liab, Liability, New Occurrence, Police Professional Liab, Pollution Liab, Professional Liab, Public Officials, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

Publishers ® Euclid Managers, LLC Coverages Cyber Liab, E&O Carrier Status Admitted States All States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Real Estate Agents & Brokers ® American Safety Insurance Services, Inc. Coverages E&O Carrier Status Non-admitted States CA

® Apex Insurance Services Coverages Auto Comm-Standard Liability, CGL, Educator Legal Liab, Excess Liab, Police Professional Liab, Pollution Liab, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE

® CNA

® AVRECO Coverages E&O, EPLI, Professional Liab Carrier Status Non-admitted States All States

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto

Comm-Standard Liability, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Euclid Managers Coverages Boiler & Machinery, EPLI, Excess Liab, Garage Liability, GL, Inland Marine, Professional Liab, Property, Public Officials, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property, Public Officials Carrier Status Admitted States CO, GA, ID, MT, NC, NY, OH, PA, WI, WY ® Grundy Worldwide Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted States All States ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Community/Social Svcs, Garage Keepers Legal Liab, Garage Liability, Liability, Nonowned & Hired Auto, Physical Damage Carrier Status Admitted States All States ® NIF Group, Inc. Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Business Interruption, Commercial Excess, Completed Operations Liab, D&O, E&O, EPLI, Fidelity, Fiduciary Liab, Fire Legal Liab, Flood, GKLL, GL, Inland Marine, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Police Professional Liab, Products Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States NM, NJ, CT, AZ, NY, PA, TN

N66 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Braishfield Associates, Inc. Coverages BOP, CGL, EPLI, Misc Professional Liab, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States Most States ® Brown & Brown of California, Inc. - Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States Most States ® Carpenter Moore Ins. Services, Inc., a NASDAQ OMX Co. Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Non-admitted States Most States ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Umbrella, Workers’ Comp States Most States ® CRES Insurance Services, LLC Coverages BOP, E&O, EPLI Carrier Status Admitted States WA, VA, UT, TX, TN, SC, PA, OR, OH, NV, NJ, NC, MO, MI, MD, MA, IN, IL, GA, FL, CT, CO, CA, AZ ® Crump Insurance Services, Inc. (Louisiana) Coverages D&O, E&O, EPLI, Professional Liab Carrier Status Admitted, Non-admitted States Most States ® DVUA (W Va.), a div of Hull & Co., Inc. Coverages E&O, Professional Liab Carrier Status Admitted States All States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Herbert H. Landy Insurance Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® HULL & Company, Inc. - Charlotte Coverages D&O, GL, Professional Liab Carrier Status Non-admitted States GA, NC, SC, TN, VA ® HULL & Company, Inc. - Dallas Coverages E&O, GL Carrier Status Non-admitted States TX ® HULL & Company, Inc. - Horsham Coverages E&O, Professional Liab Carrier Status Admitted States All States ® HULL & Company, Inc. - Jacksonville Coverages D&O, E&O, EPLI Carrier Status Admitted, Non-admitted States FL ® HULL & Company, Inc. - Stockton Coverages D&O, E&O, EPLI Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages D&O, E&O, EPLI, GL Carrier Status Admitted, Non-admitted States FL ® Ins. Innovators Agency Of New England (Hopedale) Coverages CGL, Commercial Excess, E&O, Liability, Mortgage REO Cvrg, Professional Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States ® King Insurance Support Systems Coverages Professional Liab, Property Carrier Status Admitted, Non-admitted States CA ® Logic Underwriters, Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX ® Norman-Spencer Agency, Inc. Coverages E&O Carrier Status Admitted States All States ® Norman-Spencer Agency, Inc. (CA) Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States OK, OH, NV, NJ, NC, MO, MN, MI, IN, IL, ID, GA, FL, CA, AZ, AL, OR, PA, SC, TX, UT, VA, WA, WI, WV ® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O Carrier Status Non-admitted States Most States

® Quaker Special Risk (Georgia) Coverages CGL, Professional Liab Carrier Status Non-admitted States Most States ® Sullivan Brokers Wholesale Insurance Solutions Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States CA ® Topa Insurance Company Coverages E&O, Professional Liab Carrier Status Admitted States NV, CO, CA, AZ

® Quaker Special Risk (New Jersey) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Colemont Insurance Brokers- San Francisco Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (New York) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Colemont Insurance Brokers- Texas (Dallas) Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States

® Colemont Insurance Brokers- Texas (Houston) Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Worldwide Facilities, Inc. Coverages CGL, COC, Commercial Excess, Completed Operations Liab, Crime, Difference in Conditions, E&O, Employee Benefits, Environmental Liab, EPLI, Fidelity, Fire Legal Liab, GL, Liability, OCP, Pollution Liab, Professional Liab, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages CGL, COC, Commercial Excess, Completed Operations Liab, Difference in Conditions, Earthquake, Employee Benefits, Excess Liab, GL, Liability, New Occurrence, OCP, Pollution Liab, Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, COC, Commercial Excess, Completed Operations Liab, Crime, Difference in Conditions, E&O, Employee Benefits, Environmental Liab, EPLI, Fidelity, Fire, GL, Liability, OCP, Pollution Liab, Professional Liab, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

® 5Star Waste Insurance Program, formerly BISYS Coverages Auto Comm-Standard, Excess Liab, GL, Inland Marine, Physical Damage, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, GL, Inland Marine, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States AL, AZ, CA, CO, FL, GA, IL, IN, NC, OH, OK, OR, PA, SC, TN, TX, UT, WA ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Burns & Wilcox - All Offices Coverages CGL, Equipment, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® TAPCO Underwriters, Inc. Coverages GL, Products Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

® Victor O. Schinnerer & Co. Coverages E&O, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages CGL, E&O, EPLI, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States

Registered Investment Advisors

Real Estate Appraisers

® Cambridge Alliance Coverages E&O Carrier Status Non-admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

Residential Care Centers

® Liberty International Underwriters Coverages Professional Liab Carrier Status Admitted, Non-admitted States All States

Real Estate Developers/Homebuilders

® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Medical Payments, Physical Damage, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Colemont Insurance Brokers - Atlanta Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property C arrier Status Admitted, Non-admitted States All States

® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Workers’ Comp States Most States

® Colemont Insurance Brokers- Fresno Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (Mass.)

Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

www.insurancejournal.com

® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Commercial Excess, Excess Liab, Identity Theft, Inland Marine, Liability, Nonowned & Hired Auto, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Residential Subcontractors ® Appalachian Underwriters, Inc. Coverages GL, Inland Marine Carrier Status Admitted, Non-admitted States Most States ® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Gorst Co. Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States CA ® Horizon E & S Insurance Brokerage Coverages Auto Comm-Standard, COC, Equipment, Liability, Property Carrier Status Admitted, Non-admitted States WA, NV, CA, AZ ® Quaker Special Risk (Florida) Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Colemont Insurance Brokers- Chicago Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (Florida) Coverages Blanket Addt’l Insureds, Blanket Waivers, Builders Risk, CGL, Commercial Excess, Contractors Equip, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, Excess Liab, GL, Inland Marine, Professional Liab, Property, Workers’ Comp Carrier Status Admitted States Most States

® Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States

® Burns & Wilcox - All Offices Coverages CGL, Environmental Liab, Excess Liab, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® M.J. Hall & Company, Inc. Coverages Builders Risk, CGL, D&O, Employee Benefits, EPLI, Excess Liab, OCP, Property Carrier Status Admitted, Non-admitted States AK, AZ, CA, NM

® HULL & Company, Inc. - Charlotte Coverages GL, Professional Liab, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA

® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, D&O, Employee Benefits, Excess Liab, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

Recycling Centers

® Willis HRH Programs Coverages Auto Comm-Standard, CGL, Crime, Equipment Breakdown, Inland Marine, Pollution Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Herbert H. Landy Insurance Coverages E&O, Professional Liab Carrier Status Admitted States Most States

® Colemont Insurance Brokers- Woodland Hills Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- Nashville Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages Abuse & Molestation, CGL, D&O, EPLI, GL, Inland Marine, Liability, Professional Liab, Property Carrier Status Admitted, Non-admitted States All States

® Quaker Special Risk (New York) Coverages CGL, Commercial Excess, GL, Liability, Umbrella Carrier Status Non-admitted States Most States ® Southwest Risk Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Umbrella Carrier Status Non-admitted States All States ® USG Insurance Services, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, CGL, Commercial Excess, Equipment, Inland Marine, OCP, Products Liab Carrier Status Admitted, Non-admitted States Most States ® Worldwide Facilities, Inc. Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, Environmental Liab, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of Georgia Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N67

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Worldwide Facilities, Inc. of Phoenix Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States ® Worldwide Facilities, Inc. of San Francisco Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, Environmental Liab, EPLI, Excess Liab, Fire, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Property, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

® Appleby & Sterling Coverages Boiler & Machinery, GL, Property Carrier Status Admitted States CA, AZ, NV ® Atlantic Casualty Insurance Company Coverages CGL, Property Carrier Status Non-admitted States Most States ® Bass Underwriters Coverages Excess Liab, GL, Liquor Liab, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® Braishfield Associates, Inc. Coverages Business Income, CGL, EPLI, GKLL, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Worldwide Facilities, Inc. of Washington Coverages CGL, COC, Commercial Excess, Completed Operations Liab, D&O, Difference in Conditions, Environmental Liab, EPLI, Excess Liab, Fire, Flood, Foreclosed Properties, GL, High Valued Homes, Inland Marine, Liability, New Occurrence, Pollution Liab, Residential Property, Residential `wrap-up`, Umbrella Carrier Status Admitted, Non-admitted States All States

® Brecht & Associates Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, CGL, Commercial Excess, GL, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States TX

Resorts

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® Braishfield Associates, Inc. Coverages Auto Comm-Standard, Business Income, CGL, EPLI, Fidelity, Fine Arts, GKLL, Liquor Liab, Property, Real & Business Personal Prop, Tee-to-Green, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Standard, CGL, Crime, D&O, EPLI, Equipment Breakdown, Excess Liab, GL, Inland Marine, Pool & Spa Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Gillingham & Associates Coverages Auto Comm-Standard, Business Interruption, Crime, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States ® Venture Insurance Programs Coverages Auto Comm-Standard, GL, Liquor Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Willis HRH Programs Coverages Auto Comm-Standard, Crime, D&O, EPLI, Equipment Breakdown, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

Restaurants ® 4 All Insurance Services Coverages Assault & Battery, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, CGL, Crime, EPLI, Excess Liab, Fire, Flood, Food Spoilage, GL, Glass, Inland Marine, Liability, Liquor Liab, Occupational Accident, Property, Umbrella Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ ® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States ® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® A.I.I. Insurance Brokerage of Mass., Inc. Coverages BOP, Business Income, CGL, Equipment Breakdown, Liquor Liab, Real & Business Personal Prop, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States MA, CT, RI

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® HULL & Company, Inc. - Denver Coverages Assault & Battery, CGL, Crime, Food Borne Illness, Food Spoilage, Glass, Liquor Liab, Property, Umbrella Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Fort Lauderdale Coverages Assault & Battery, CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Great Falls Coverages Assault & Battery, CGL, Fire, Food Spoilage, Liquor Liab, Property Carrier Status Non-admitted States WY, MT, ID ® HULL & Company, Inc. - Honolulu Coverages Food Borne Illness, Food Spoilage, GL, Liquor Liab, Property Carrier Status Non-admitted States HI

® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

® HULL & Company, Inc. - Jacksonville Coverages CGL, Crime, Food Spoilage, Glass, Property Carrier Status Non-admitted States FL

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT

® HULL & Company, Inc. - Kalispell Coverages CGL, Crime, Food Spoilage, Glass, Property Carrier Status Non-admitted States ID, MT, WY

® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® HULL & Company, Inc. - New Orleans Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States LA, MS

® Cluett Commercial Insurance Agency, Inc. Coverages BOP, Umbrella, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States VT, VA, TX, TN, RI, PA, NJ, NH, NC, ME, MA, IN, IL, GA, FL, CT, CA, AZ

® HULL & Company, Inc. - Newport Beach Coverages Food Spoilage, GL, Liquor Liab, Property Carrier Status Non-admitted States CA

® Commodore Insurance Services, Inc. Coverages BOP, CGL Carrier Status Admitted, Non-admitted States CA ® Continental Brokers, Inc. Coverages Accident & Health, Accidental Death, Assault & Battery, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Pers-Standard, Boiler & Machinery, BOP, Builders Risk, Business Income, Business Interruption, Commercial Marine, Container Refrigeration Break, Crime, EPLI, Fire Legal Liab, Flood, Food Borne Illness, Food Spoilage, Glass, Homeowners Pkg, Inland Marine, Property Carrier Status Admitted States All States

® HULL & Company, Inc. - Stockton Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States CA ® HULL & Company, Inc. - Tampa Bay Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States FL ® ICAT

Coverages All Risks/Cash in Transit, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® CRES Insurance Services, LLC Coverages GL, Liquor Liab Carrier Status Admitted States CA

® III Special Risk, Inc. Coverages Business Income, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN

® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages GL, Property, Umbrella Carrier Status Non-admitted States All States

® Ins. Innovators Agency Of New England (Hopedale) Coverages Assault & Battery, BOP, Business Income, CGL, EPLI, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Dunfield Wholesale Insurance, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA ® DVUA (Pittsburgh), a div of Hull & Co., Inc. Coverages CGL, GL, Liability, Liquor Liab, Property Carrier Status Non-admitted States All States

® Advanced E&S Insurance Underwriters Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, Equipment Breakdown, Fine Arts, Fire, Food Spoilage, GL, Glass, Inland Marine, Legal Liab, Liability, Liquor Liab, Nonowned & Hired Auto, Personal Property, Products Liab, Property, Real & Business Personal Prop, Spoilage, Theft, Umbrella Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, FL, CT, WI, OH

® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States MA, IL, VT, NY, NJ, NH, CT

® Align General Insurance Agency, Inc. Coverages Business Income, Business Interruption, GL, Liquor Liab, Property, Real & Business Personal Prop Carrier Status Admitted States CA

® HULL & Company, Inc. - Dallas Coverages Crime, Food Spoilage, GL, Glass, Liquor Liab, Property Carrier Status Non-admitted States TX

® HULL & Company, Inc. - Horsham Coverages CGL, GL, Liability, Liquor Liab, Property Carrier Status Non-admitted States All States

® DVUA (W Va.), a div of Hull & Co., Inc. Coverages CGL, GL, Liability, Liquor Liab, Property Carrier Status Non-admitted States All States

® Agency Intermediaries, Inc. Coverages BOP, Business Income, CGL, Equipment Breakdown, Liquor Liab, Real & Business Personal Prop, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States MA, CT

® HULL & Company, Inc. - Charlotte Coverages GL, Property Carrier Status Non-admitted States GA, NC, SC, TN, VA

® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Abram Interstate Insurance Services, Inc. Coverages Assault & Battery, Equipment Carrier Status Admitted, Non-admitted States NV, CA, AZ

® AFG Partners Coverages GL, Property Carrier Status Non-admitted States FL, CT, CA, NY

® HULL & Company, Inc. - Albuquerque Coverages CGL, Property Carrier Status Non-admitted States AZ, NM

® Focus Underwriters, LLC Coverages Business Income, CGL, Crime, Fidelity Bonds, Food Spoilage, Glass, Liquor Liab, Products Liab States VA, SC, NC ® Gabor Insurance Services, Inc. Coverages Boiler & Machinery, Business Income, Crime, EPLI, Equipment Breakdown, Liability, Liquor Liab, Personal Property, Umbrella Carrier Status Non-admitted States FL ® Geo. F. Brown & Sons, Inc. Coverages Assault & Battery, GL, Liquor Liab, Nonowned & Hired Auto, Property Carrier Status Non-admitted States WI, WA, VT, VA, TX, SC, PA, OR, OH, NY, NV, NJ, NC, MN, MI, MA, IN, IL, IA, GA, FL, CT, CO, CA, AZ ® Gorst Co. Coverages GL, Liquor Liab, Workers’ Comp Carrier Status Admitted, Non-admitted States CA

® American Underwriting Managers Coverages Business Income, CGL, Food Spoilage, Liquor Liab, Property, Umbrella, Windstorm Carrier Status Non-admitted States TX, NM, LA, AR

® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI States Most States

® Anchor Bay Insurance Managers, Inc. Coverages Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States AK, OR, WA

® High Country Insurance (a div of Hull & Co.) Coverages CGL, Food Borne Illness, Food Spoilage, Property Carrier Status Non-admitted States CO

N68 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Insurance Innovators of New Jersey, Inc. Coverages Boiler & Machinery, Business Interruption, CGL, Food Borne Illness, Food Spoilage, GL, Liability, Liquor Liab, Mechanical Breakdown, Medical Payments, Products Liab, Property, Real & Business Personal Prop, Spoilage, Umbrella Carrier Status Non-admitted States NY, NJ ® Insurance Innovators, Inc. Coverages Boiler & Machinery, Business Income, Business Interruption, CGL, Commercial Excess, Crime, EPLI, Equipment Breakdown, Excess Liab, Fire, Food Borne Illness, Food Spoilage, GL, Liability, Liquor Liab, Medical Payments, Property, Spoilage, Umbrella, Workers’ Comp Carrier Status Non-admitted States PA, NY, NJ, MD, DE ® Klein Insurance Services, Inc. Coverages Excess Liab, Umbrella States Most States ® KZ Insurance Brokerage, LLC Coverages BOP, EPLI, Workers’ Comp Carrier Status Admitted States TN, NV, LA, CO, CA, AZ ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Crime, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, GKLL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® MacNeill Group, Inc., CMGA Coverages CGL, EPLI, Equipment, Excess Liab, Liquor Liab, Property, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States FL ® MarketScout Coverages Auto Comm-Standard, Business Income, CGL, Employee Benefits, EPLI, Equipment Breakdown, Fire, Liability, Liquor Liab, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® McLeckie Insurance Group Coverages Business Income, CGL, Crime, EPLI, Food Borne Illness, Liquor Liab, Property Carrier Status Non-admitted States All States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Monitor Liability Managers, LLC Coverages EPLI Carrier Status Admitted, Non-admitted States All States

® Unifax Insurance Systems, Inc. Coverages GL, Liquor Liab, Property Carrier Status Admitted States CA

® N-Surance Outlets, Inc. (Florida) Coverages Assault & Battery, Business Income, Fire Legal Liab, Food Spoilage, Liability, Liquor Liab, Medical Payments, Property Carrier Status Non-admitted States FL

® W.A.Schickedanz Agency, Inc. Coverages Business Income, CGL, Fire, Food Spoilage, GL, Liability, Liquor Liab, Nonowned & Hired Auto, Products Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States MO, IL, AR

® N-Surance Outlets, Inc. (Georgia) Coverages Business Income, Excess Liab, Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States GA, LA, TN ® National Advantage Insurance Services, Inc. Coverages Liability, Liquor Liab, Property Carrier Status Admitted, Non-admitted States TX, OR, NV, CA ® Northern Ohio E & S Agency, Inc. Coverages Business Interruption, Fire Legal Liab, Food Spoilage, GL, Liquor Liab, Products Liab, Property Carrier Status Admitted States OH ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Assault & Battery, Equipment Breakdown, GL, Liquor Liab, Property, Spoilage Carrier Status Admitted, Non-admitted States CA, NV ® PGI Commercial, LLC Coverages CGL, Liquor Liab, Property Carrier Status Admitted, Non-admitted States WI, OH, MI, IN, IL ® Prime Insurance Coverages Business Income, Business Interruption, Dwelling Fire, Fire, Fire Legal Liab, GL, Glass, Liability, Liquor Liab, Property, Tools & Equip Carrier Status Admitted, Non-admitted States Most States ® Priority Insurance Underwriters Coverages Assault & Battery, Business Income, CGL, Excess Liab, Food Spoilage, Liability, Liquor Liab, Property, Real & Business Personal Prop, Spoilage, Theft States TX, OR, NV, NM, CO, CA, AZ ® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages EPLI, Food Borne Illness Carrier Status Non-admitted States All States

® ProHost USA, Inc. Coverages Boiler & Machinery, Crime, GKLL, GL, Liquor Liab, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® RCA Insurance Group Coverages GL, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States TN, SC, NC, LA, GA, FL ® RISCO, Inc. Coverages CGL, Crime, Employee Benefits, Liquor Liab, Mechanical Breakdown, Property Carrier Status Non-admitted States RI, NH, ME, MA, CT ® RLI Specialty Programs Coverages Assault & Battery, Boiler & Machinery, Business Income, Crime, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® Roush Insurance Services, Inc. Coverages Business Income, Equipment Breakdown, Liability, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL ® RSI International, Inc. (Missouri) Coverages Assault & Battery, Blanket Addt’l Insureds, Blanket Waivers, Boiler & Machinery, Builders Risk, Business Income, Business Interruption, CGL, Commercial Excess, Completed Operations Liab, Difference in Conditions, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fiduciary Liab, Fire, Food Spoilage, GL, Inland Marine, Liability, Liquor Liab, Medical Payments, Products Liab, Property, Umbrella Carrier Status Non-admitted States AR, IA, ID, IL, IN, KS, KY, MO, OK, TN

® Westrope Coverages Business Interruption, Catastrophe, CGL, Difference in Conditions, Earthquake, Fire, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted, Non-admitted States All States ® Westrope Insurance Managers of Florida, LLC Coverages Assault & Battery, Business Interruption, Equipment Breakdown, Food Spoilage, GL, Liquor Liab, Property Carrier Status Non-admitted States GA, FL

® J.L. von Arx & Associates

Coverages Business Income, CGL, Personal Property, Property Carrier Status Admitted, Non-admitted States CA, AZ

® LIBRIS

Retail Stores

® M.J. Hall & Company, Inc. Coverages Business Income, CGL, D&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Property Carrier Status Admitted, Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® MacNeill Group, Inc., CMGA Coverages CGL, EPLI, Excess Liab, Liquor Liab, Property, Spoilage, Umbrella Carrier Status Admitted, Non-admitted States FL

® 5Star Business Auto Program (Misc. classes), formerly

® Monarch E&S Insurance Services Coverages CGL, Fire, Fire Legal Liab, GL, Liability, Liquor Liab, Medical Payments, Products Liab, Property Carrier Status Non-admitted States CA

BISYS Coverages Auto Comm-Standard Liability, Medical Payments, Nonowned & Hired Auto, Physical Damage, Uninsured Motorists Carrier Status Admitted States All States

® N-Surance Outlets, Inc. (Florida) Coverages Business Income, Fire Legal Liab, Liability, Medical Payments, Property Carrier Status Non-admitted States FL

® 5Star D&O Program Coverages D&O, EPLI, Fiduciary Liab Carrier Status Admitted States Most States

® N-Surance Outlets, Inc. (Georgia) Coverages Business Income, Liability, Property Carrier Status Admitted, Non-admitted States GA, LA, TN

® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States

® Northern States Agency Coverages CGL, Equipment Breakdown, Excess Liab, Fire Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH

® Roush Insurance Services, Inc. Coverages Business Income, Equipment Breakdown, Liability, Property, Umbrella Carrier Status Admitted, Non-admitted States OH, IN, IL

® Agency Intermediaries, Inc. Coverages Business Income, CGL, Excess Liab, Real & Business Personal Prop, Umbrella Carrier Status Admitted, Non-admitted States MA, CT ® American Team Managers Ins. Services, Inc. Coverages Business Interruption, Equipment Breakdown, GL, Property Carrier Status Admitted States Most States ® Atlantic Casualty Insurance Company Coverages CGL, Property Carrier Status Non-admitted States Most States

® Topa Insurance Company Coverages GL, Property Carrier Status Admitted States CA ® UCA General Insurance Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States AZ

RV Dealerships

® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA

® American Management Corporation Coverages GL, Property Carrier Status Admitted, Non-admitted States OK, MO, AR

® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Automotive Risk Mgmt. & Ins. Services, Inc.

® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

Coverages Business Income, Dealers Open Lot, E&O, EPLI, Fire Legal Liab, Garage Liability, GKLL, Pollution Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT

® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® Superior Access Insurance Services Coverages Auto Comm-Standard, BOP, Workers’ Comp Carrier Status Admitted States All States

® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Specialty Insurance Coverages Assault & Battery, Boiler & Machinery, Business Income, Business Interruption, Care/Custody/Control, CGL, Completed Operations Liab, Crime, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Food Spoilage, Garage Liability, GKLL, GL, Glass, Liability, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Products Liab, Property, Spoilage, Theft, Umbrella Carrier Status Admitted States TN, RI, PA, OH, NY, NJ, MO, MN, MI, MD, MA, IL, GA, FL, DE, CT, CA

® Dunfield Wholesale Insurance, Inc. Coverages CGL, Property Carrier Status Admitted, Non-admitted States CA ® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States NH, MA, VT, TX, NY, NJ, IL, CT ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Albuquerque Coverages CGL, Property Carrier Status Non-admitted States AZ, NM

® Topa Insurance Company Coverages GL, Property Carrier Status Admitted States CA

® HULL & Company, Inc. - Great Falls Coverages CGL, Property Carrier Status Non-admitted States ID, MT, WY

® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States TX

® HULL & Company, Inc. - Jacksonville Coverages CGL, Property Carrier Status Non-admitted States FL

® UCA General Insurance Coverages Business Income, CGL, EPLI, Equipment Breakdown, Fire Legal Liab, Liquor Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

® HULL & Company, Inc. - Newport Beach Coverages CGL, Property Carrier Status Non-admitted States CA

www.insurancejournal.com

® Ins. Innovators Agency Of New England (Hopedale) Coverages Assault & Battery, CGL, Commercial Excess, Employee Benefits, EPLI, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® KZ Insurance Brokerage, LLC Coverages BOP, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, LA, NV, TN

® 4 All Insurance Services Coverages Assault & Battery, Auto Comm-Standard, Blanket Addt’l Insureds, BOP, Business Interruption, CGL, E&O, EPLI, Equipment Breakdown, Fire, GL, Glass, Liability, Liquor Liab, Products Liab, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ

® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT

® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

Coverages All Risks/Cash in Transit, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

Coverages Auto Comm-Standard, BOP, Umbrella, WC - Captive Placement Carrier Status Admitted States Most States

® South Texas General Insurance Agency Coverages CGL, Property Carrier Status Non-admitted States TX

® Superior Access Insurance Services Coverages Auto Comm-Standard, CGL, Crime, Fire, Glass, Liquor Liab, Theft, Workers’ Comp Carrier Status Admitted States All States

® ICAT

® DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Non-Trucking Auto Liab, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ ® J.L. von Arx & Associates Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Nonowned & Hired Auto, Physical Damage, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® MBA Insurance Agency of AZ, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Non-admitted States Most States

RV Parks ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Crime, Fire Legal Liab, GL, Inland Marine, Medical Payments, Property Carrier Status Admitted, Non-admitted States All States ® CNA

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto Comm-Standard Liability, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N69

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I School Busing Firms ® 5Star Contract School Bus Program, formerly BISYS Coverages Auto Comm-Standard Liability, EPLI, GL, Nonowned & Hired Auto, Physical Damage, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Nonowned & Hired Auto, Physical Damage, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States ® HCC Specialty Underwriters, Inc. (CA) Coverages EPLI Carrier Status Admitted, Non-admitted States Most States ® KF&B, Inc. Coverages Auto Comm-Standard, Liability, Physical Damage States CA ® MacNeill Group, Inc., CMGA Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Excess Liab, Umbrella Carrier Status Non-admitted States FL

Coverages Abuse & Molestation, CGL, Commercial Excess, Fire, Professional Liab Carrier Status Non-admitted States WI, SD, NE, ND, MN, IL, IA

® Professional Underwriters Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, E&O, Educator Legal Liab, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, Fire Legal Liab, GL, Inland Marine, Legal Liab, Liability, Misc Professional Liab, Professional Liab, Property, Public Officials, Sexual Misconduct Liab, Student Accident, Workers’ Comp Carrier Status Admitted States Most States ® Professional Underwriters - Textbook Insurance Program Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, E&O, Educator Legal Liab, Employee Benefits, Environmental Liab, EPLI, Equipment, Excess Liab, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, GL, Inland Marine, Legal Liab, Liability, Misc Professional Liab, Professional Liab, Property, Public Officials, Sexual Misconduct Liab, Student Accident, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Professional Underwriters Coverages Auto Comm-Standard Liability, Boiler & Machinery, Crime, Employee Benefits, Garage Liability, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States PA, NY, NJ

® S.H. Smith & Company, Inc. (Hartford) Coverages Excess Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® RLI Transportation Coverages Auto Comm-Standard, Liability Carrier Status Admitted States Most States

® Western Security Surplus Insurance Brokers, Inc. Coverages Abuse & Molestation, Business Income, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States TX, CA

Schools-Public/Private ® ACE Westchester - Program Division Coverages Abuse & Molestation, Auto Comm-Standard, Inland Marine, Liability, Property Carrier Status Admitted, Non-admitted States PA ® AIRisk (formerly listed as AIG Programs) Coverages Auto Comm-Standard, Boiler & Machinery, Crime, Foreign GL, GL, Property Carrier Status Non-admitted States All States ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp States All States ® Apex Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, Educator Legal Liab, GL, Inland Marine, Police Professional Liab, Pollution Liab, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, Crime, EPLI, Equipment Breakdown, Inland Marine, Non-Profit D&O, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® CNA

Coverages Auto Comm-Nonstandard, Auto Comm-Standard, Auto Comm-Standard Liability, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States CT, VT, NY, NJ, NH, MA, IL ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States

® Westrope Coverages Catastrophe, CGL, Difference in Conditions, Earthquake, Fire, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted, Non-admitted States All States

Scrap Dealers ® G.J. Sullivan Company (Orange) Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Business Interruption, Crime, Employee Benefits, Equipment, Fidelity, Fire, Garage Keepers Legal Liab, Garage Liability, GL, Inland Marine, Motor Truck Cargo, Nonowned & Hired Auto, On-Hook Cargo, Physical Damage, Property, Real & Business Personal Prop, Theft, Tools & Equip, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States

Securities Brokers/Dealers ® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX ® Crump Insurance Services, Inc. (Nashville) Coverages E&O, EPLI, Escrow E&O, Fidelity, Mortgage Impairment, Professional Liab Carrier Status Admitted, Non-admitted States All States ® Fox Point Programs Coverages E&O, Professional Liab Carrier Status Non-admitted States All States

Security Guard Firms ® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Crime, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States ® AMIS/Alliance Marketing & Insurance Services Coverages E&O, Liability Carrier Status Non-admitted States All States ® Brownyard Group Coverages Assault & Battery, Auto Comm-Standard, Care/Custody/Control, CGL, Crime, E&O, Excess Liab, Fidelity, Fidelity Bonds, GL, Inland Marine, Lost Key, Medical Malpractice, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Coverages All Risks/Cash in Transit, Earthquake, Windstorm Carrier Status Admitted, Non-admitted States Most States

® Brownyard Programs Ltd. Coverages Assault & Battery, Blanket Addt’l Insureds, CGL, E&O, Excess Liab, Fidelity Bonds, Lost Key, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Tuition Refund, Umbrella Carrier Status Admitted States Most States

® Bunker Hill Insurance Agency Coverages Assault & Battery, Auto Comm-Standard Liability, Business Interruption, Care/Custody/Control, Lost Key, Misc Professional Liab, Professional Liab, Trade Shows & Festivals, Workers’ Comp Carrier Status Admitted States IL, IN, MI, OH, TX

® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Blanket Addt’l Insureds, Business Income, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States

® ICAT

® Norman-Spencer Agency, Inc. Coverages Auto Comm-Standard Liability, Legal Liab, Property, Workers’ Comp Carrier Status Admitted States Most States ® Northern States Agency

® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Sacramento)

N70 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Coverages Liability, Property States NV, ID, CA, OR, UT

® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Costanza Insurance Agency, Inc. Coverages GL, Professional Liab, Workers’ Comp States All States ® CoverX Corporation Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States ® High Country Insurance (a div of Hull & Co.) Coverages CGL, Inland Marine Carrier Status Non-admitted States CO ® HULL & Company, Inc. - Honolulu Coverages Care/Custody/Control, GL Carrier Status Non-admitted States HI ® International Excess Companies Coverages CGL, E&O Carrier Status Non-admitted States All States ® Izzo Insurance Services, Inc. Coverages Crime, E&O, EPLI, Excess Liab, Fidelity Bonds, GL, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Assault & Battery, Equipment, GL, Liability, Professional Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages GL, Lost Key, Professional Liab Carrier Status Non-admitted States CA, NV ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Assault & Battery, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, D&O, E&O, Personal Liab, Professional Liab Carrier Status Admitted States Most States

® The Mechanic Group, Inc.

Coverages CGL, Commercial Excess, Contractors License Bonds, D&O, E&O, Liability, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States

Self-Storage Facilities ® Britt/Paulk Insurance Agency, Inc. Coverages Boiler & Machinery, BOP, Builders Risk, Business Income, Catastrophe, CGL, D&O, E&O, Environmental Liab, EPLI, Equipment, Equipment Breakdown, GL, Hail, Liability, Mechanical Breakdown, Misc Professional Liab, Nonowned & Hired Auto, Pollution, Pollution Liab, Property, Tools & Equip, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Deans & Homer

Coverages Bailee/Customer Goods, BOP, Builders Risk, Excess Liab, Inland Marine, Liability, Property Carrier Status Admitted States Most States

® MiniCo Insurance Coverages Boiler & Machinery, BOP, Business Income, CGL, COC, Crime, Earthquake, Employee Benefits, EPLI, Extended Business, Fire, GL, Legal Liab, Liability, Medical Payments, Nonowned & Hired Auto, Personal Liab, Pollution, Products Liab, Property, Theft, Umbrella, Windstorm Carrier Status Admitted States Most States ® PGI Commercial, LLC Coverages BOP, Umbrella Carrier Status Admitted States Most States ® Universal Insurance Facilities, Ltd. Coverages BOP, Legal Liab, Pollution Liab Carrier Status Admitted States Most States

Semi Conductor Manufacturers ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

Service Stations ® American Management Corporation Coverages Auto Comm-Standard, Business Income, Business Interruption, Care/Custody/Control, CGL, Crime, EPLI, Fire Legal Liab, GKLL, GL, Legal Expense Ins, Legal Liab, Liquor Liab, Loss of Use, Medical Payments, Occupational Accident, Pollution Liab, Property, Theft, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Braishfield Associates, Inc. Coverages CGL, EPLI, Garage Liability, GKLL, Property, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Hylant Group Coverages BOP, CGL, Crime, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Ins. Innovators Agency Of New England (Scarborough) Coverages Business Income, CGL, Emergency Towing & Service, EPLI, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, Liability, Medical Payments, Motor Truck Cargo, Nonowned & Hired Auto, Personal Property, Physical Damage, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Liquor Liab, Medical Payments, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ

® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States

® The Distinguished Programs Group Coverages Boiler & Machinery, Crime, D&O, GKLL, GL, Property, Umbrella Carrier Status Admitted States All States

® M.J. Hall & Company, Inc. Coverages Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX

® The American Equity Underwriters, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States

® UCA General Insurance Coverages Business Income, CGL, Equipment Breakdown, Fire Legal Liab, Medical Payments, Nonowned & Hired Auto, Property, Umbrella Carrier Status Admitted States WA, UT, OR, NV, NM, ID, CA, AZ

® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY

® Trafalgar Marine Insurance Services, Inc. Coverages Cargo, CGL, Marina Operators Legal, Ship Repairers Legal, Watercraft Liab, Wet Marine Carrier Status Admitted, Non-admitted States All States

® Unifax Insurance Systems, Inc. Coverages GL, Property Carrier Status Admitted States CA

Ship Repairers/Marine Artisan Contractor ® Agency Intermediaries, Inc. Coverages Equipment, Liability, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States CT, MA ® Brauer & Associates, Inc. Coverages Bailee/Customer Goods, GL, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip Carrier Status Admitted States Most States ® Britt/Paulk Insurance Agency, Inc. Coverages Contractors Equip, Environmental Liab, Equipment, Equipment Breakdown, GL, Inland Marine, Physical Damage, Pollution Liab, Property, Protection & Indemnity (P&I), Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States Most States ® Continental Risk Insurance Services Coverages GL, Hull, Inland Marine, Legal Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ ® Insurance Center Special Risks Ltd Coverages Bailee/Customer Goods, GL, Protection & Indemnity (P&I), Tools & Equip Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, CT ® LIG Marine Managers Coverages Care/Custody/Control, CGL, Commercial Marine, Completed Operations Liab, Equipment, Excess Liab, Hull, Legal Liab, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Tools & Equip, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States ® Maritime General Agency Coverages GL, Marina Operators Legal, Property, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States All States ® SeaBright Insurance Company Coverages USL&H, Workers’ Comp Carrier Status Admitted States Most States ® The American Equity Underwriters, Inc. Coverages Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Commercial Marine, Contractors Equip, Excess Liab, Federal LHWCA, Hull, Int’l Coverage - Commercial, Pollution Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H Carrier Status Admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages CGL, Protection & Indemnity (P&I), Ship Repairers Legal Carrier Status Admitted States Most States ® WFT, Inc. Coverages Boats, CGL, Excess Liab, GL, Liability, Wet Marine Carrier Status Admitted States WA, VA, TX, SC, PA, NJ, NH, NC, MS, MD, MA, LA, GA, FL, CA, AL ® Worldwide Facilities, Inc. Coverages Boats, Commercial Excess, Commercial Marine, Completed Operations Liab, Excess Liab, GL, Inland Marine, Liability, Marina Operators Legal, New Occurrence, Piers & Docks, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Watercraft Liab Carrier Status Admitted, Non-admitted States All States

Ship Yards ® Britt/Paulk Insurance Agency, Inc. Coverages Equipment, Equipment Breakdown, GL, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Physical Damage, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Continental Risk Insurance Services Coverages GL, Hull, Inland Marine, Legal Liab, Property, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella Carrier Status Admitted, Non-admitted States WA, OR, NV, ID, CA, AZ

® U.S. Risk Insurance Group, Inc. Coverages GL, Property Carrier Status Non-admitted States All States

Shooting Ranges ® Joseph Chiarello & Co., Inc. Coverages CGL, Crime, Equipment Breakdown, Excess Liab, Liquor Liab, Medical Payments, Property, Umbrella Carrier Status Admitted States Most States

Shopping Centers ® 4 All Insurance Services Coverages Assault & Battery, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, Commercial Excess, Crime, EPLI, Excess Liab, GL, Liability, Nonowned & Hired Auto, Personal Liab, Property, Theft, Umbrella Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ ® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Admitted, Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, FL, CT, WI, OH ® AFG Partners Coverages Commercial Excess, Property Carrier Status Admitted, Non-admitted States All States

® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, Nonowned & Hired Auto, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States All States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Boiler & Machinery, Business Income, Crime, D&O, EPLI, Excess Liab, Garage Liability, GKLL, GL, Glass, Inland Marine, Nonowned & Hired Auto, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® NAS Insurance Services, Inc. Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Liab, Legal Malpractice, Liability, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL Carrier Status Admitted States All States ® Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States ® Westrope Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, Nonowned & Hired Auto Carrier Status Admitted, Non-admitted States All States

Shuttle Services

® Appleby & Sterling Coverages GL, Property Carrier Status Admitted States AZ, CA, NV ® Bass Underwriters Coverages Excess Liab, GL, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® Braishfield Associates, Inc. Coverages Business Income, CGL, Property, Real & Business Personal Prop, Umbrella Carrier Status Admitted States Most States ® Burns & Wilcox - All Offices Coverages Business Income, CGL, Fire, Property, Windstorm Carrier Status Admitted, Non-admitted States Most States ® CGA Associates, Inc. Coverages BOP, Umbrella Carrier Status Admitted States All States ® Construction Insurance Partners, LLC Coverages Excess Liab, GL, Professional Liab, Residential `wrap-up`, Umbrella, Workers’ Comp States Most States

® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Physical Damage, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Align General Insurance Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Property Carrier Status Admitted States AZ, CA, WA ® All Risks, Ltd. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg States WI, WA, VA, TX, TN, SC, PA, OH, NJ, NC, MN, MI, MD, KY, IN, IL, GA, FL, DE, CT, CO, CA ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Commercial Excess, Excess Liab C arrier Status Admitted, Non-admitted States CA, AK

® Continental Brokers, Inc. Coverages BOP, D&O, Flood, Lessors Contingent Liab, Liability, Property Carrier Status Admitted States All States

® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States

® Crump Insurance Svcs, formerly Tri-City Brokerage (CA) Coverages CGL, Property, Umbrella Carrier Status Non-admitted S tates All States

® RLI Transportation Coverages Auto Comm-Standard, Liability Carrier Status Admitted States Most States

® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

® Trans Cal Associates Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CA

® Horizon E & S Insurance Brokerage Coverages Liability, Property Carrier Status Non-admitted tates NV, CA, AZ

® Western Experts in Transportation Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted States Most States

® Insurance Innovators of New Jersey, Inc. Coverages Boiler & Machinery, BOP, Business Income, Business Interruption, CGL, GL, Liability, Mechanical Breakdown, Medical Payments, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States NY, NJ

Sign & Display Companies

® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV

® HULL & Company, Inc. - Fort Lauderdale Coverages Care/Custody/Control, Ship Repairers Legal Carrier Status Non-admitted States Most States

® Philadelphia Insurance Companies Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Earthquake, Employee Benefits, EPLI, Equipment Breakdown, Fiduciary Liab, Fire Legal Liab, Flood, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® LIG Marine Managers Coverages CGL, Completed Operations Liab, Equipment, Hail, Products Liab, Protection & Indemnity (P&I), Ship Repairers Legal, Umbrella, USL&H, Workers’ Comp Carrier Status Admitted States All States

Coverages Equipment Breakdown, Excess Liab, Lessor Only Excess Liab, Mechanical Breakdown, Umbrella Carrier Status Admitted States Most States

www.insurancejournal.com

Shuttle Service-Non Emergency Medical ® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States

® Preferred Property Programs

® NIP Group, LLC Coverages Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, CGL, Crime, E&O, Employee Benefits, EPLI, Equipment, Garage Keepers Legal Liab, GL, Inland Marine, Pollution Liab, Products Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Small to Mid-Sized Businesses ® 4 All Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Business Income, Business Interruption, CGL, Crime, E&O, Earthquake, EPLI, Fire, Food Spoilage, GL, Inland Marine, Products Liab, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States WA, UT, TX, OR, NY, NV, FL, CA, AZ

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N71

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Advanced E&S Insurance Underwriters Coverages Business Income, Business Interruption, CGL, Fire, GL, Glass, Liability, Property, Real & Business Personal Prop, Theft Carrier Status Non-admitted States NE, MO, MN, MI, KY, KS, IN, IL, IA, WI, OH ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® Appleby & Sterling Coverages BOP, COC, Workers’ Comp Carrier Status Admitted States AZ, CA, NV ® CCBsure / ISG International Coverages Accident & Health, Accidental Death, Auto CommNonstandard, Auto Comm-Standard, Auto Comm-Standard Liability, Bailee/Customer Goods, BOP, Breach of Security, Care/Custody/Control, Commercial Excess, Crime, Cyber Liab, D&O, E&O, EPLI, Escrow E&O, Fidelity Bonds, Fiduciary Liab, Foreign GL, GL, High Valued Homes, Identity Theft, Inland Marine, Liability, Misc Professional Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Protection & Indemnity (P&I), Umbrella, Website Domain Name, Workers’ Comp Carrier Status Admitted States Most States ® Ck Specialty Insurance Associates (CA) Coverages Liability, Property States NV, ID, CA, OR, UT

® HULL & Company, Inc. - Jacksonville Coverages CGL, Property Carrier Status Non-admitted States FL ® HULL & Company, Inc. - Kalispell Coverages GL, Property Carrier Status Non-admitted States ID, MT, WY ® HULL & Company, Inc. - Stockton Coverages CGL, Property Carrier Status Non-admitted States CA

® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Business Income, Crime, Equipment Breakdown, GL, Inland Marine, Kidnap/Ransom, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

® HULL & Company, Inc. - Tampa Bay Coverages CGL, Liquor Liab, Property Carrier Status Non-admitted States FL

® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages Auto Comm-Standard, CGL, Employee Benefits, EPLI, Excess Liab, Non-Profit D&O, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States All States

® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States

® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab Carrier Status Admitted States All States

® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA, WA, DC

® Negley Associates Coverages CGL, Professional Liab Carrier Status Non-admitted States All States

® Western Security Surplus Insurance Brokers, Inc. Coverages Business Interruption, CGL, Fire Legal Liab, GL, Liability, Medical Payments, New Occurrence Carrier Status Admitted, Non-admitted States TX, CA

® NIF Group, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Boiler & Machinery, Business Income, Business Interruption, CGL, Community/Social Svcs, D&O, E&O, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Inland Marine, Liability, Medical & Physical Rehab, Medical Malpractice, Medical Payments, Nonowned & Hired Auto, Products Liab, Professional Liab, Umbrella Carrier Status Admitted States Most States

Social Service Agencies

® Ck Specialty Insurance Associates (NV) Coverages Liability, Property States NV, ID, CA, OR, UT

® 5Star Business Auto Program (Misc. classes), formerly

® Ck Specialty Insurance Associates (OR) Coverages Liability, Property States NV, ID, CA, OR, UT

Coverages Abuse & Molestation, Accident & Health, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Fidelity, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Nonprofits’ Insurance Alliance of Calif.

Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Phys Dmg, Business Income, Business Interruption, CGL, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Umbrella, Uninsured Motorists Carrier Status Non-admitted States CA

® 5Star Paratransit Program, formerly BISYS Coverages Auto Comm-Standard Liability, Excess Liab, GL, Physical Damage, Umbrella Carrier Status Admitted States Most States

® PGI Commercial, LLC Coverages GL, Professional Liab Carrier Status Non-admitted States Most States

® AFC Insurance Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Interruption, Community/Social Svcs, Employee Benefits, Inland Marine, Mental Health Care, Misc Professional Liab, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Business Income, Business Interruption, CGL, Crime, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, Food Spoilage, GL, Identity Theft, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States

® Ck Specialty Insurance Associates (Sacramento) Coverages Liability, Property States NV, ID, CA, OR, UT ® Ck Specialty Insurance Associates (Southern CA) Coverages Liability, Property States NV, ID, CA, OR, UT ® Commodore Insurance Services, Inc. Coverages Abuse & Molestation, Accessories, BOP, CGL Carrier Status Admitted States CA ® Great American Insurance Group - Executive Liability Division Coverages D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® Ins. Innovators Agency Of New England (W Springfield) Coverages Assault & Battery, BOP, CGL, Employee Benefits, EPLI, GL, Liability, Liquor Liab, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® J.L. von Arx & Associates

Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys

Dmg, Auto Comm-Standard, Auto Comm-Standard Phys Dmg, BOP Carrier Status Admitted, Non-admitted States CA, AZ ® KZ Insurance Brokerage, LLC Coverages Apartment House Package, Auto Comm-Standard, BOP, Combo Personal & Commercial, WC - Master Policies/ASO, Workers’ Comp Carrier Status Admitted States AZ, CA, CO, LA, NV, TN ® Liberty International Underwriters Coverages Kidnap/Ransom Carrier Status Admitted States All States ® Monitor Liability Managers, LLC Coverages D&O, EPLI, Fiduciary Liab, Professional Liab Carrier Status Admitted, Non-admitted States All States ® U.S. Specialty Ins. Company (Texas Non-Subscription) Coverages Accidental Death, Disability, Occupational Accident Carrier Status Admitted States TX

Snowmobile Tours - Guided ® Gillingham & Associates Coverages GL, Inland Marine, Property Carrier Status Non-admitted States All States

Social Clubs ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States

® Francis L. Dean & Associates, Inc.

Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States ® HULL & Company, Inc. - Albuquerque Coverages CGL, Property Carrier Status Non-admitted States AZ, NM

BISYS

® AIRisk (formerly listed as AIG Programs) Coverages Abuse & Molestation, D&O, EPLI, GL, Professional Liab, Property Carrier Status Non-admitted States All States ® Alliance of Nonprofits for Ins. Risk Retention Grp. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Business Interruption, CGL, Community/Social Svcs, Crime, Developmental Disabilities, EPLI, Fiduciary Liab, Fire Legal Liab, Inland Marine, Liquor Liab, Mechanical Breakdown, Misc Professional Liab, Non-Profit D&O, Nonowned & Hired Auto, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States WA, VT, VA, UT, PA, OR, OH, NV, NE, NC, MO, MN, MI, MD, KS, IL, ID, IA, HI, GA, DE, CT, CO ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Apogee Insurance Group Coverages Workers’ Comp Plus Carrier Status Admitted, Non-admitted States PA, NJ, MD, DE ® Care Providers Insurance Services, LLC Coverages Abuse & Molestation, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Crime, D&O, Equipment Breakdown, GL, Liability, Nonowned & Hired Auto, Participant Accident, Professional Liab, Property, Theft, Umbrella Carrier Status Admitted States Most States ® Charity First Insurance Services, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Blanket Addt’l Insureds, Boiler & Machinery, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Int’l Coverage - Commercial, Liquor Liab, NonProfit D&O, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Prince Associates Coverages Auto Comm-Standard, BOP, Non-Profit D&O, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States ® Russell Bond & Co., Inc. Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, Completed Operations Liab, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fiduciary Liab, Fire, GL, Good Samaritan, Liability, Mental Health Care, Misc Professional Liab, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Sexual Misconduct Liab, Umbrella Carrier Status Admitted, Non-admitted States VT, VA, PA, NY, NJ, MA, CT ® Smith, Bell & Thompson Coverages Abuse & Molestation, Auto Comm-Standard, Crime, D&O, E&O, Employee Benefits, Fidelity, GL, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Tangram Insurance Services

Coverages Abuse & Molestation, CGL, GL, Property, Sexual Misconduct Liab, WC - Captive Placement, Workers’ Comp Carrier Status Admitted States MO, KS, IN, IL, IA, CA

® THOMCO Coverages Crime, GL, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® USX/S

Coverages Abuse & Molestation, Auto Comm-Standard Liability, CGL, D&O, EPLI, Identity Theft, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States All States

® Great American Insurance Group - Executive Liability

Software Developers

Division

® Access E&S Insurance Services (CA) Coverages Cyber Liab, GL, Professional Liab Carrier Status Admitted, Non-admitted States NV, NJ, MD, ID, CO, CA, AZ, TX, VA, WA, DC

Coverages Community/Social Svcs, D&O, EPLI, Excess Liab, Fiduciary Liab Carrier Status Admitted States All States

® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Addiction Treatment, Auto CommStandard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Community/Social Svcs, Crime, D&O, Excess Liab, GL, Inland Marine, Non-Profit D&O, Professional Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® London American Risk Specialists, Inc. Coverages Abuse & Molestation, Liability, Professional Liab, Property Carrier Status Non-admitted States Most States

N72 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Access E&S Insurance Services (VA) Coverages Excess Liab, Professional Liab Carrier Status Non-admitted States VA, SC, PA, OH, NJ, NC, MD, IL, GA, DE, CO, CA, AZ ® AMIS/Alliance Marketing & Insurance Services Coverages Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, BOP, Liability, Property, Workers’ Comp Carrier Status Admitted States All States ® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® DVUA (NY / NJ), a div of Hull & Co., Inc. Coverages E&O, Professional Liab Carrier Status Admitted States NJ, NY ® Euclid Managers, LLC Coverages Identity Theft, Technology E&O Carrier Status Non-admitted States All States ® Gresham & Associates, Inc. - Corporate Office Coverages D&O, Excess Liab, GL, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Infinite Wellness Solutions Coverages Accident & Health, Medical Carrier Status Admitted States NC

® Focus Underwriters, LLC Coverages CGL, Weather Carrier Status Non-admitted States VA, SC, NC

® Francis L. Dean & Associates, Inc.

Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® Gales Creek Insurance Services Coverages Assault & Battery, Auto Comm-Standard, CGL, Crime, Event Cancellation, Inland Marine, Liquor Liab, Nonowned & Hired Auto, Participant Accident, Umbrella, Weather, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Gorst Co. Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States CA

® IT Risk Managers, Inc. Coverages BOP, Cyber Liab, D&O, E&O, Misc Professional Liab, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States

® NAS Insurance Services, Inc. Coverages Breach of Security, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Professional Liab, Technology E&O, Website Domain Name Carrier Status Non-admitted States Most States

® HCC Specialty Underwriters, Inc. (MA) Coverages Blanket Addt’l Insureds, CGL, Commercial Excess, Event Cancellation, Hole-in-One, Liquor Liab, Nonowned & Hired Auto, Prize Indemnification, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States

Special Events

® iii of Maryland, Inc. Coverages Excess Liab, GL, Liquor Liab Carrier Status Admitted, Nonadmitted States DE, MD, VA

® 5Star PARKsure (Parking) Program Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted States Most States ® Abacus Insurance Brokers Coverages Excess Liab, Inland Marine, Int’l Coverage - Commercial, Liability, Liquor Liab, Participant Accident Carrier Status Admitted States All States

® Indemnity Excess & Surplus Agency, Inc. Coverages CGL, Liquor Liab Carrier Status Non-admitted States WA, TX, OR, ID, HI, CO, CA, AZ ® Insurance Center Special Risks Ltd Coverages GL, Liquor Liab Carrier Status Non-admitted States VT, RI, NY, NH, ME, MA, CT

® Abram Interstate Insurance Services, Inc. Coverages Event Cancellation, Trade Shows & Festivals Carrier Status Non-admitted States CA, AZ

® Ins. Innovators Agency Of New England (Scarborough) Coverages CGL, GL, Liability, Medical Payments, Prize Indemnification Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

® Agency Intermediaries, Inc. Coverages GL, Medical Payments, Trade Shows & Festivals Carrier Status Non-admitted States MA, CT

® Insurance Innovators, Inc. Coverages CGL, GL, Hole-in-One, Medical Payments, Prize Indemnification, Weather Carrier Status Non-admitted States PA, NY, NJ, NH, DE

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Excess Liab, GL, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States All States ® Burns & Wilcox - All Offices Coverages CGL, Excess Liab, Inland Marine, Liquor Liab, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Cabrillo General Insurance Agency, Inc. Coverages GL, Property Carrier Status Non-admitted States CA ® Centurion Insurance Group Coverages Event Cancellation, Liquor Liab, Negative Film, Participant Accident, Property, Sets, Trade Shows & Festivals, Wardrobe Carrier Status Admitted States All States ® Colemont Insurance Brokers - Atlanta Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Chicago Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Fresno Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Phoenix Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- San Francisco Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages Event Cancellation, Excess Liab, GL, Inland Marine, Liability, Liquor Liab, Participant Accident, Property, Trade Shows & Festivals, Umbrella Carrier Status Admitted, Non-admitted States All States

www.insurancejournal.com

® J.L. von Arx & Associates Coverages CGL, Personal Property Carrier Status Admitted, Non-admitted States CA, AZ ® K & K Insurance Group, Inc. Coverages Auto Comm-Standard, Crime, D&O, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States All States ® King Insurance Support Systems Coverages Event Cancellation, Hole-in-One, Liability, Liquor Liab Carrier Status Admitted, Non-admitted States CA ® M.J. Hall & Company, Inc. Coverages CGL, Excess Liab, Liquor Liab Carrier Status Non-admitted States LA, CA, AZ, AR, AK, NM, NV, OK, TX ® McClelland and Hine, Inc. Coverages Liability, Liquor Liab Carrier Status Non-admitted States TX ® N-Surance Outlets, Inc. (Florida) Coverages Equipment, Fire Legal Liab, Hole-in-One, Liability, Liquor Liab, Medical Payments, Trade Shows & Festivals, Weather Carrier Status Non-admitted States FL ® N-Surance Outlets, Inc. (Georgia) Coverages Liability, Liquor Liab Carrier Status Non-admitted States GA, LA, TN ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages GL, Property Carrier Status Admitted, Non-admitted States AZ, CA, NV ® R.V. Nuccio & Associates, Inc. Coverages CGL, Medical Payments Carrier Status Non-admitted States All States ® RPS-Leicht General Agency Coverages Event Cancellation, GL Carrier Status Non-admitted States TX ® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States ® TAPCO Underwriters, Inc. Coverages GL, Liquor Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA

Substance Abuse Program Administrators ® Irwin Siegel Agency, Inc. Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Crime, D&O, Environmental Liab, EPLI, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Medical Payments, Non-Profit D&O, Pollution Liab, Professional Liab, Property, Umbrella Carrier Status Admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N73

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States

® Gridiron Insurance Underwriters, Inc. Coverages CGL, GL, Professional Liab, Property Carrier Status Non-admitted States MO, VA, TX, TN, SC, PA, NY, NC, MS, MN, MI, LA, GA, FL, CO, AL

® THOMCO Coverages Abuse & Molestation, Auto Comm-Standard, Business Income, Crime, Employee Benefits, Excess Liab, GL, Inland Marine, Nonowned & Hired Auto, Professional Liab, Property, Sexual Misconduct Liab Carrier Status Admitted, Non-admitted States Most States

® Ins. Innovators Agency Of New England (Scarborough) Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, Commercial Excess, Employee Benefits, EPLI, GL, Property, Real & Business Personal Prop, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT

Surgery Centers

® National Ins. Professionals Corp.(RPS NIPC, Poulsbo) Coverages GL, Professional Liab, Property Carrier Status Non-admitted States All States

® International Excess Companies Coverages CGL, Commercial Excess, Completed Operations Liab, E&O Carrier Status Non-admitted States All States

® Northern Ohio E & S Agency, Inc. Coverages Business Income, GL, Professional Liab, Property Carrier Status Non-admitted States OH

® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

® Professional Program Insurance Brokerage Coverages BOP, Liability, Misc Professional Liab, Professional Liab, Property Carrier Status Non-admitted States All States

® Liberty International Underwriters Coverages GL, Professional Liab Carrier Status Non-admitted States All States

Tax Preparers & Bookkeepers

® NAS Insurance Services, Inc. Coverages Cyber Liab, E&O, EPLI, GL, Legal Expense Ins, Legal Liab, Medical Malpractice, Products Liab, Professional Liab, Technology E&O Carrier Status Non-admitted States Most States

® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, GL, Professional Liab Carrier Status Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Non-admitted States Most States ® NAS Insurance Services, Inc. Coverages Cyber Liab, EPLI, Fire Legal Liab, GL, Medical Malpractice, Medical Payments, Products Liab, Professional Liab, Sexual Misconduct Liab Carrier Status Non-admitted States Most States ® National Specialty Underwriters, Inc. Coverages Medical Malpractice, Professional Liab Carrier Status Non-admitted States All States ® Quaker Special Risk (Florida) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New York) Coverages CGL, Commercial Excess, GL, Liability, Professional Liab Carrier Status Non-admitted States Most States ® U.S. Risk Insurance Group, Inc. Coverages GL, Professional Liab, Property Carrier Status Non-admitted States All States ® USX/S Coverages CGL, D&O, EPLI, Identity Theft, Medical & Physical Rehab, Medical Malpractice, Professional Liab, Property Carrier Status Non-admitted States All States ® Worldwide Facilities, Inc. of Washington Coverages Abuse & Molestation, Billing Error E&O, CGL, D&O, E&O, EPLI, Excess Liab, Fidelity, Fiduciary Liab, GL, Managed Care, Medical, Medical & Physical Rehab, Medical Malpractice, Medicare/Medicaid Billing E&O, Mental Health Care, Physicians Billing E&O, Professional Liab, Umbrella Carrier Status Admitted, Non-admitted States All States

Tanning Salons ® Burns & Wilcox - All Offices Coverages CGL, Equipment Breakdown, Fire, GL, Medical Payments, Personal Property, Products Liab, Property, Tanning Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Gridiron Insurance Underwriters, Inc. Coverages Business Income, GL, Professional Liab, Property Carrier Status Admitted, Non-admitted States AL, CO, FL, GA, KY, LA, MI, MN, MO, MS, NC, NY, PA, SC, TN, TX ® Ins. Innovators Agency Of New England (Scarborough) Coverages Abuse & Molestation, Assault & Battery, Business Income, Business Interruption, CGL, Commercial Excess, Employee Benefits, EPLI, GL, Liability, Medical Payments, Products Liab, Professional Liab, Property, Tanning Liab, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Insurtec Tanning and Spa Insurance Coverages Addt’l Expense, BOP, Business Income, CGL, Crime, EPLI, Equipment Breakdown, Fire Legal Liab, Nonowned & Hired Auto, Professional Liab, Property, Tanning Liab Carrier Status Non-admitted States Most States ® Professional Program Insurance Brokerage Coverages CGL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States All States ® TAPCO Underwriters, Inc. Coverages GL, Products Liab, Professional Liab, Property Carrier Status Non-admitted States DC, WA, VA, TX, TN, SC, PA, OR, OH, NJ, NC, MS, MD, GA, FL, DE, CA ® Universal Insurance Facilities, Ltd. Coverages BOP, Professional Liab, Umbrella Carrier Status Admitted States All States

Tattoo Parlors/Body Piercing ® Chopra Insurance Brokerage, Inc. Coverages BOP, EPLI Carrier Status Non-admitted States NV, CA

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States ® Herbert H. Landy Insurance Coverages E&O, Professional Liab Carrier Status Admitted States All States ® NAS Insurance Services, Inc. Coverages Billing Error E&O, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States Most States ® Norman-Spencer International, Inc. Coverages E&O, Professional Liab Carrier Status Admitted States Most States ® Target Insurance Services Coverages BOP, E&O, Professional Liab, Tax Audit Carrier Status Admitted States Most States

® Cooper & McCloskey, Inc. Coverages CGL, Crime, E&O, EPLI Carrier Status Admitted States CA ® Health Care Insurers, Inc. Coverages GL, Professional Liab Carrier Status Admitted States Most States ® INSUREtrust.com, LLC d/b/a ITDC Ins Services in CA Coverages Cyber Liab, D&O, E&O, Professional Liab, Technology E&O Carrier Status Admitted, Non-admitted States Most States

® Target Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Liability, BOP, Business Income, Business Interruption, Care/Custody/Control, CGL, Commercial Excess, Crime, E&O, Employee Benefits, EPLI, Equipment Breakdown, Excess Liab, Fidelity, Fire, Fire Legal Liab, GL, Legal Expense Ins, Legal Liab, Liability, Medical Payments, Misc Professional Liab, Nonowned & Hired Auto, Personal Property, Professional Liab, Property, Real & Business Personal Prop, Theft, Umbrella Carrier Status Admitted States Most States

® World Wide Specialty Programs, Inc.

Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Care/Custody/Control, Cyber Liab, E&O, Employee Benefits, EPLI, Fidelity, Fidelity Bonds, GL, Identity Theft, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

Taxi Service

Theatre Production Companies

® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Medical Payments, Uninsured Motorists Carrier Status Admitted States WI, TX, SC, PA, OK, OH, NY, NV, MS, MN, MI, LA, KY, IN, IL, IA, GA, AL

® Abacus Insurance Brokers Coverages Blanket Addt’l Insureds, CGL, Event Cancellation Carrier Status Admitted States All States

® Align General Insurance Agency, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Property Carrier Status Admitted States AZ, CA, WA ® American Business Insurance Services, Inc. Coverages Accidental Death, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Excess Liab, GL Carrier Status Admitted, Non-admitted States Most States ® American Safety Insurance Services, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Standard Carrier Status Admitted States HI

® Gales Creek Insurance Services Coverages Auto Comm-Standard, CGL, Inland Marine, Participant Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Great American Insurance, Specialty Human Services Coverages Abuse & Molestation, Auto Comm-Nonstandard, Blanket Addt’l Insureds, Business Income, CGL, Commercial Excess, Community/Social Svcs, Crime, Educator Legal Liab, Employee Benefits, Equipment Breakdown, Excess Liab, Fire Legal Liab, GL, Inland Marine, Misc Professional Liab, Nonowned & Hired Auto, Professional Liab, Umbrella Carrier Status Admitted States Most States

Title Agents

® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg Carrier Status Admitted, Non-admitted States All States

® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Non-admitted States AL, FL, GA, MI, MS, NC, NY, TX

® Crump Insurance Services, Inc. (Dallas) Coverages Auto Comm-Standard Liability, Physical Damage Carrier Status Admitted, Non-admitted States Most States

® Gerald J. Wilkoff, Inc. Coverages Crime, Fidelity, Fidelity Bonds, Fiduciary Liab Carrier Status Admitted States All States

® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Excess Liab, Fire, GL, Property, Real & Business Personal Prop Carrier Status Admitted, Non-admitted States CA, AR, AK, LA, NM, NV, OK, TX

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States

® National Interstate Insurance Company- CMT Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL Carrier Status Admitted States Most States

® Logic Underwriters, Inc. Coverages BOP, E&O Carrier Status Admitted, Non-admitted States TX

Temporary Staffing Firms

® Lee & Mason Coverages Misc Professional Liab, Professional Liab Carrier Status Non-admitted States Most States

Tour & Charter Bus Services

® American Professional Liability Underwriters, Inc. Coverages D&O, EPLI, Professional Liab Carrier Status Admitted, Nonadmitted States AL, FL, GA, MI, MS, NC, NY, TX

® 5Star Public Auto Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, EPLI, Excess Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® Artex Risk Solutions, Inc. Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States

® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Admitted States CA, AZ

® Assurance TempStaff Insurance Brokerage Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

® RLI Transportation Coverages Auto Comm-Standard, Excess Liab, Garage Liability, GKLL, GL, Liability, Physical Damage Carrier Status Admitted States Most States

® CCBsure / ISG International Coverages BOP, Breach of Security, Business Income, Business Interruption, CGL, COC, Combo Personal & Commercial, Completed Operations Liab, Crime, Cyber Liab, D&O, E&O, Employee Benefits, EPLI, Excess Liab, Fidelity, Fidelity Bonds, Fiduciary Liab, Liability, Nonowned & Hired Auto, Products Liab, Professional Liab, Property, Technology E&O, Umbrella, Workers’ Comp Carrier Status Admitted States All States

® S.H. Smith & Company, Inc. (Hartford) Coverages Auto Comm-Standard, GL, Umbrella Carrier Status Admitted States All States

N74 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Tow Truck Firms

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Admitted States Most States

® 5Star Towing & Recovery Program, formerly BISYS Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Dealers Open Lot, Garage Keepers Legal Liab, GL, Inland Marine, On-Hook Cargo, Property, Uninsured Motorists Carrier Status Admitted States Most States

® NAS Insurance Services, Inc. Coverages Billing Error E&O, Compliance Mgmt, Cyber Liab, E&O, EPLI, Legal Expense Ins, Legal Liab, Liability, Misc Professional Liab, Technology E&O Carrier Status Non-admitted States Most States

® AEON Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, Garage Liability, GKLL, GL, On-Hook Cargo, Personal Property Carrier Status Admitted States Most States ® Appalachian Underwriters, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Liability, GL, On-Hook Cargo Carrier Status Admitted States Most States ® Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, Excess Liab, Garage Liability, GKLL, Motor Truck Cargo, Physical Damage, Property, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted, Non-admitted States TX ® Crump Insurance Services, Inc. (Nashville) Coverages Auto Comm-Standard Liability, Dealers Open Lot, Garage Keepers Legal Liab, Inland Marine, Liability, On-Hook Cargo, Physical Damage, Property, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Charlotte Coverages Care/Custody/Control, GL Carrier Status Non-admitted States GA, NC, SC, TN, VA ® J.L. von Arx & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Cargo, Garage Liability, Medical Payments, On-Hook Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® KBK Insurance Group, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Garage Keepers Legal Liab, GL, On-Hook Cargo, Property Carrier Status Admitted States Most States ® KF&B, Inc. Coverages Auto Comm-Standard, Garage Keepers Legal Liab, On-Hook Cargo Carrier Status Admitted States CA, AZ ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Income, Commercial Excess, Excess Liab, Fire, GKLL, GL, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Admitted, Non-admitted States CA, AK ® National Indemnity Company Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Garage Keepers Legal Liab, Medical Payments, Motor Truck Cargo, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® S.H. Smith & Company, Inc. (Hartford) Coverages Auto Comm-Standard Phys Dmg, Cargo, Garage Keepers Legal Liab, Garage Liability, GL, Property, Umbrella Carrier Status Admitted States Most States

Trade Show Exhibitors

® Professional Liability Ins. Svcs, Inc. - Underwriting Facilities Coverages E&O, EPLI Carrier Status Non-admitted States All States

Travel Trailers ® American Reliable Insurance Company Coverages Personal Property, Physical Damage Carrier Status Admitted States All States ® J.E. Brown & Associates Coverages Personal Liab, Personal Property, Physical Damage, Theft Carrier Status Admitted States CA ® J.L. von Arx & Associates Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Physical Damage, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ

Truck Body/Manufacturers/Distributors ® Willis HRH Programs Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® 5Star EPLI Program Coverages EPLI, Professional Liab Carrier Status Non-admitted States Most States ® 5Star Non-Trucking Liability Program, formerly BISYS Coverages Non-Trucking Auto Liab, Physical Damage Carrier Status Admitted, Non-admitted States Most States ® 5Star Trucking Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, EPLI, Excess Liab, GL, Non-Trucking Auto Liab, Occupational Accident, Participant Accident, Physical Damage, Pollution Liab, Umbrella, Uninsured Motorists, Workers’ Comp Carrier Status Admitted States Most States ® 5Star Workers’ Compensation Services Coverages Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States All States ® American Team Managers Ins. Services, Inc. Coverages Auto Comm-Standard Phys Dmg, Cargo, Long Haul, Truck Auto Liab Carrier Status Admitted States AZ, CA, CO, ID, NM, NV, OR, UT, WA, WY ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Excess Liab, GL, Motor Truck Cargo, Non-Trucking Auto Liab Carrier Status Admitted, Non-admitted States All States ® Appalachian Underwriters, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL Carrier Status Admitted States Most States

® BUA, LLC Coverages Excess Liab, GL, Nonowned & Hired Auto Carrier Status Admitted States All States

® Applied Underwriters, Inc. Coverages EPLI, Workers’ Comp, Workers’ Comp Plus Carrier Status Admitted States Most States

® Francis L. Dean & Associates, Inc. Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability, Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States

® AVRECO Coverages Auto Comm-Standard Phys Dmg, Physical Damage Carrier Status Non-admitted States All States

® HCC Specialty Underwriters, Inc. (MA) Coverages Blanket Addt’l Insureds, Excess Liab, Hole-in-One, Liability, Liquor Liab, Nonowned & Hired Auto, Prize Indemnification, Trade Shows & Festivals, Weather Carrier Status Non-admitted States All States ® K & K Insurance Group, Inc. Coverages GL, Inland Marine Carrier Status Admitted States All States

Translators & Interpreters ® Professional Program Insurance Brokerage Coverages BOP, Professional Liab Carrier Status Non-admitted States Most States

Travel Agents & Tour Operators ® Euclid Managers, LLC Coverages E&O, Identity Theft, Misc Professional Liab, Technology E&O, Website Domain Name Carrier Status Non-admitted States All States

www.insurancejournal.com

® Colemont Insurance Brokers- Fresno Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Hartford Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Nashville Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- San Francisco Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Dallas) Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Texas (Houston) Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Colemont Insurance Brokers- Woodland Hills Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States ® Columbia Underwriters, Inc. Coverages GL, Motor Truck Cargo, Physical Damage, Truck Auto Liab Carrier Status Admitted, Non-admitted States TN, SC, NC, GA ® Crump Insurance Services, Inc. (Dallas) Coverages Cargo, Physical Damage, Truck Auto Liab Carrier Status Admitted, Non-admitted States Most States

® Brauer & Associates, Inc. Coverages Inland Marine, Motor Truck Cargo Carrier Status Admitted States Most States ® Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Excess Liab, Motor Truck Cargo, Nonowned & Hired Auto, Physical Damage, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States TX

® Britt/Paulk Insurance Agency, Inc.

Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys

Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Catastrophe, Commercial Excess, Container Refrigeration Break, Crime, Damage in Process, Equipment Breakdown, GL, Long Haul, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Trip Cancellation, Truck Auto Liab, Workers’ Comp Carrier Status Admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Nonstandard, CGL, Excess Liab, Property Carrier Status Admitted, Non-admitted States Most States

® Colemont Insurance Brokers- Chicago Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States

® Colemont Insurance Brokers- Phoenix Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States

Truckers/Trucking Firms

® Abacus Insurance Brokers Coverages Excess Liab, GL Carrier Status Admitted States All States

® Gales Creek Insurance Services Coverages Auto Comm-Standard, CGL, Inland Marine, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States

® Colemont Insurance Brokers - Atlanta Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, CGL, Inland Marine, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Pollution, Pollution Liab, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States All States

® Crump Insurance Services, Inc. (Memphis) Coverages Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Garage Liability, GKLL, GL, Inland Marine, Medical Payments, Pollution, Pollution Liab, Property, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States ® Crump Insurance Services, Inc. (Nashville) Coverages Auto Comm-Standard Liability, Cargo, EPLI, Excess Liab, Occupational Accident, Physical Damage, Uninsured Motorists, Workers’ Comp Carrier Status Non-admitted States Most States ® Crump Insurance Services, Inc. (New York) Coverages Auto Comm-Standard Liability, Cargo, EPLI, Excess Liab, Occupational Accident, Physical Damage, Uninsured Motorists, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Portland) Coverages Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Garage Liability, GKLL, GL, Inland Marine, Medical Payments, Pollution, Pollution Liab, Property, Truck Auto Liab States WA, OR ® Crump Insurance Services, Inc. (Seattle) Coverages Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Garage Liability, GKLL, GL, Inland Marine, Medical Payments, Pollution, Pollution Liab, Property, Truck Auto Liab States WA, OR ® Crusader Insurance Company Coverages GL, Property Carrier Status Admitted States CA

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N75

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® First Cardinal, LLC Coverages Commercial Excess, Disability, Workers’ Comp States MA, IL, TX, NY, NJ, NH, CT ® Freberg Environmental, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, CGL, GL, Nonowned & Hired Auto, Pollution, Pollution Liab, Transportation Pollution Liab, Uninsured Motorists Carrier Status Admitted States Most States ® Gorst Co. Coverages GL, Workers’ Comp Carrier Status Admitted, Non-admitted States CA ® Greenwich Transportation Underwriters, Inc. aka GTU Coverages Cargo, Excess Liab, Long Haul, Motor Truck Cargo, Physical Damage, Truck Auto Liab, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, GL, Umbrella Carrier Status Admitted, Non-admitted States Most States ® HULL & Company, Inc. - Dallas Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Truck Auto Liab Carrier Status Non-admitted States TX ® HULL & Company, Inc. - Lincoln, Neb. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, GL Carrier Status Admitted States IA, IL, KS, MO, NE, SD ® Ins. Innovators Agency Of New England (Hopedale) Coverages Cargo, CGL, Commercial Excess, Excess Liab, Liability, Motor Truck Cargo, Umbrella Carrier Status Non-admitted States CT, MA, ME, NH, RI, VT ® Insurance Innovators of New Jersey, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, GL, Inland Marine, Liability, Medical Payments, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab, Umbrella, Uninsured Personal Injury Carrier Status Non-admitted States NJ ® Interline Insurance Services Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg Carrier Status Admitted States CA ® J.L. von Arx & Associates Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Container Refrigeration Break, Motor Truck Cargo, Physical Damage, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® J.M. Wilson Coverages Long Haul, Motor Truck Cargo, Physical Damage, Truck Auto Liab Carrier Status Admitted States MI, KY, KS, IN, IL, MO, OH, PA, WI, WV ® KF&B, Inc. Coverages Auto Comm-Standard, Cargo, Liability, Physical Damage Carrier Status Admitted States OR, CA, AZ ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Auto Pers-Nonstandard, Business Interruption, Commercial Excess, Excess Liab, Fire, GL, Motor Truck Cargo, Property, Truck Auto Liab Carrier Status Admitted, Non-admitted States CA, AK

® Swett & Crawford Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, Emergency Medical, Excess Liab, Garage Keepers Legal Liab, Garage Liability, Liability, Long Haul, Medical Payments, Motor Truck Cargo, Nonowned & Hired Auto, Physical Damage, Physical Damage Rental Units, Transportation Pollution Liab, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States ® Trans Cal Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, Medical, Physical Damage Carrier Status Admitted, Non-admitted States CA ® U.S. Specialty Insurance Coverages Accidental Death, Occupational Accident Carrier Status Admitted States Most States ® W.A.Schickedanz Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, Commercial Excess, GL, Long Haul, Motor Truck Cargo, Nonowned & Hired Auto, Physical Damage, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted States MO, IL, AR ® W.C. Mills Ins, Inc. The Truck Underwriting Specialists Coverages CGL, Commercial Excess, Contractors Equip, Excess Liab, GL, Inland Marine, Long Haul, Motor Truck Cargo, Physical Damage, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States WY, UT, OR, NV, NM, NE, MT, ID, IA, CO, CA, AZ ® Western Surplus Lines Agency, Inc. Coverages CGL, Excess Liab Carrier Status Non-admitted States LA, NM, OK, TX ® Westrope Coverages Excess Liab, Motor Truck Cargo, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States ® Yates & Associates Ins. Services Coverages Liability, Physical Damage Carrier Status Admitted States CA

Used Car Dealers ® Align General Insurance Agency, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Property, Real & Business Personal Prop Carrier Status Admitted States CA ® American Management Corporation Coverages GL, Property Carrier Status Admitted, Non-admitted States OK, MO, AR ® Appalachian Underwriters, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GL Carrier Status Admitted States Most States

® Automotive Risk Mgmt. & Ins. Services, Inc.

Coverages Dealers Open Lot, E&O, EPLI, Equipment Breakdown, Garage Keepers Legal Liab, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States

® Brecht & Associates Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, CGL, Commercial Excess, Dealers Open Lot, Fire, Garage Liability, GKLL, GL, Physical Damage, Property, Theft, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Non-admitted States TX

® MacAfee & Edwards, Inc. - Mexican Insurance Specialist Coverages Int’l Coverage - Commercial, Int’l Coverage - Personal Carrier Status Non-admitted States Most States

® CRES Insurance Services, LLC Coverages Garage Liability, GKLL, GL Carrier Status Admitted, Non-admitted States CA

® Metcom Excess Coverages Auto Comm-Standard, Cargo, CGL, Umbrella, Uninsured Motorists Carrier Status Admitted States NJ, NY, PA

® Crump Insurance Services, Inc. (Portland) Coverages GL, Property Carrier Status Non-admitted States WY, WA, UT, OR, NV, MT, ID, CO, CA, AZ, AK

® N-Surance Outlets, Inc. (Georgia) Coverages Cargo, Non-Trucking Auto Liab, Physical Damage, Truck Auto Liab Carrier Status Admitted States GA, TN

® DMI Insurance Services Coverages Business Income, Crime, Dealers Open Lot, Employee Benefits, Equipment Breakdown, Fire, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Inland Marine, Non-Trucking Auto Liab, Nonowned & Hired Auto, Physical Damage, Products Liab, Property, Real & Business Personal Prop, Tools & Equip, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States WI, TX, SC, PA, OR, OH, NY, NV, NM, NC, MS, MO, MN, MI, KS, IN, IL, FL, CO, CA, AZ

® National Advantage Insurance Services, Inc. Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, GL, Motor Truck Cargo, Non-Trucking Auto Liab, Truck Auto Liab, Umbrella Carrier Status Admitted, Non-admitted States TX, OR, CA, AZ ® Pacific Coast E&S Ins. Services (Santa Rosa) Coverages Blanket Addt’l Insureds, GL Carrier Status Non-admitted States CA, NV ® RLI Transportation Coverages Auto Comm-Standard, Cargo, Excess Liab, GKLL, GL, Motor Truck Cargo, Occupational Accident, Physical Damage, Truck Auto Liab Carrier Status Admitted States Most States ® South Texas General Insurance Agency Coverages Auto Comm-Nonstandard, CGL, Property Carrier Status Non-admitted States TX

® J.L. von Arx & Associates Coverages Dealers Open Lot, Fire Legal Liab, Garage Keepers Legal Liab, Garage Liability, Medical Payments, Nonowned & Hired Auto, Physical Damage, Real & Business Personal Prop, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® KBK Insurance Group, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, On-Hook Cargo, Property Carrier Status Admitted States Most States ® M.J. Hall & Company, Inc. Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Business Interruption, Commercial Excess, Dealers Open Lot, Excess Liab, Fire, Garage Liability, GKLL, Medical Payments, Property, Real & Business Personal Prop, Truck Auto Liab Carrier Status Non-admitted States LA, CA, AZ, AR, AK, NM, NV, OK, TX

N76 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

® Markel Insurance Company Coverages Auto Comm-Standard, Crime, Garage Keepers Legal Liab, Inland Marine, Legal Liab, Liability, Physical Damage, Property Carrier Status Admitted, Non-admitted States AZ, CA, CO, ID, KS, NM, NV, OR, WA, WY ® McClelland and Hine, Inc. Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Non-admitted States TX ® McGraw Insurance Services Coverages Dealers Open Lot, Equipment, Garage Liability, Liability, Property Carrier Status Admitted States CA ® Metcom Excess Coverages Auto Comm-Standard, Dealers Open Lot, Garage Liability, GKLL, Property, Tuition Refund, Umbrella Carrier Status Admitted, Non-admitted States NJ, PA ® National Indemnity Company Coverages Dealers Open Lot, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Pacific Specialty Insurance Co. Coverages Dealers Open Lot, Equipment, Garage Liability, Liability, Property Carrier Status Admitted States CA ® RSI International, Inc. (Missouri) Coverages Dealers Open Lot, Excess Liab, Garage Keepers Legal Liab, Garage Liability, GKLL, Medical Payments, Property, Umbrella, Uninsured Boaters, Uninsured Motorists Carrier Status Non-admitted States AR, IL, MO, OK ® Topa Insurance Company Coverages Liability, Physical Damage, Property Carrier Status Admitted States CA ® USG Insurance Services, Inc. Coverages CGL, Dealers Open Lot, EPLI, Garage Keepers Legal Liab, Garage Liability, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Yates & Associates Ins. Services Coverages Dealers Open Lot, Garage Liability Carrier Status Non-admitted States CA

Utilities-Natural Gas Companies ® London American Risk Specialists, Inc. Coverages Inland Marine, Liability, Property, Umbrella, Workers’ Comp Carrier Status Admitted States VA, TX, TN, SC, OH, NC, MS, MO, MI, LA, KY, IN, IA, GA, FL, AR, AL ® Willis HRH Programs Coverages Auto Comm-Standard, Boiler & Machinery, GL, Inland Marine, Property, Public Officials, Railroad Protective Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Valet Parking Companies ® 5Star PARKsure (Parking) Program Coverages Garage Keepers Legal Liab, Garage Liability Carrier Status Admitted States Most States ® Alexander J. Wayne & Associates, Inc. Coverages Garage Keepers Legal Liab, GKLL Carrier Status Non-admitted States Most States ® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, E&O, Garage Liability, GKLL, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States Most States ® Bass Underwriters Coverages Professional Liab, Property Carrier Status Non-admitted States VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NV, NJ, NC, MS, ME, MA, LA, GA, FL, CT, CA, AZ, AR, AL ® J.L. von Arx & Associates Coverages Garage Keepers Legal Liab, Garage Liability, Medical Payments, Uninsured Motorists Carrier Status Admitted, Non-admitted States CA, AZ ® M.J. Hall & Company, Inc. Coverages Garage Liability, GKLL Carrier Status Non-admitted States AK, AR, CA, LA, NM, NV, OK, TX ® McLeckie Insurance Group Coverages Garage Keepers Legal Liab, Legal Liab Carrier Status Non-admitted States All States ® U.S. Risk Insurance Group, Inc. Coverages CGL, Garage Keepers Legal Liab Carrier Status Non-admitted States All States

Veterinarians ® Prince Associates Coverages Auto Comm-Standard, BOP, Professional Liab, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I Vineyards ® Agricultural Insurance Mgmt Svcs.

Coverages CGL, Products Liab, Property Carrier Status Admitted States Most States ® Winery Pak Insurance Programs Coverages Auto Comm-Standard, Combo Personal & Commercial, Contractors Equip, Equipment Breakdown, Herbicide & Pesticide, Liability, Personal Liab, Pollution Liab, Property, Umbrella Carrier Status Admitted States Most States

Vitamin/Health Food Suppliers ® Combined Underwriting Agency Network, Inc. Coverages Business Income, CGL, Products Liab, Property Carrier Status Non-admitted States PA, NY, NJ ® Infinite Wellness Solutions Coverages Accident & Health, Medical Carrier Status Admitted States NC ® NeitClem Wholesale Insurance Brokerage, Inc. Coverages Completed Operations Liab, Foreign GL, GL, Liability, Product Extended Warranty, Products Liab Carrier Status Admitted, Non-admitted States NV, CA, AZ ® Quaker Special Risk (Mass.)

Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New York) Coverages CGL, Commercial Excess, GL, Liability, Products Liab Carrier Status Non-admitted States Most States ® Worldwide Facilities, Inc. Coverages Products Liab, Property Carrier Status Admitted, Non-admitted States All States

Warehouse Operators ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages GL, Legal Liab, Motor Truck Cargo, Property, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Gresham & Associates, Inc. - Corporate Office Coverages Auto Comm-Nonstandard, Auto Comm-Nonstandard Phys Dmg, Cargo, Excess Liab, GL, Long Haul, Transportation Pollution Liab, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Insurance Innovators of New Jersey, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, GL, Inland Marine, Liability, Medical Payments, Non-Trucking Auto Liab, Truck Auto Liab, Uninsured Motorists Carrier Status Non-admitted States NJ ® Mattei Insurance Services, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Phys Dmg, Crime, GL, Inland Marine, Property Carrier Status Admitted States Most States ® Prime Insurance Coverages CGL Carrier Status Admitted, Non-admitted States Most States ® W.A.Schickedanz Agency, Inc. Coverages Auto Comm-Standard, Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Cargo, CGL, Commercial Excess, GL, Motor Truck Cargo, Nonowned & Hired Auto, Physical Damage, Truck Auto Liab, Uninsured Motorists Carrier Status Admitted States MO, IL, AR ® Westrope Coverages Excess Liab, Physical Damage, Pollution Liab, Truck Auto Liab Carrier Status Admitted, Non-admitted States All States ® Willis HRH Programs Coverages Auto Comm-Standard, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

Water Well Drilling Operation Co’s ® Western Surplus Lines Agency, Inc. Coverages CGL, Control of Well, Inland Marine Carrier Status Non-admitted States LA, NM, OK, TX ® Willis HRH Programs Coverages Auto Comm-Standard, Boiler & Machinery, EPLI, GL, Inland Marine, Professional Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Water/Wastewater Facilities

® Compass Insurance Group of Agencies Coverages BOP, Business Income Carrier Status Non-admitted States CA

® Freberg Environmental, Inc. Coverages CGL, Environmental Liab, Excess Liab, GL, Pollution, Pollution Liab, Transportation Pollution Liab Carrier Status Non-admitted States All States

® KF&B, Inc. Coverages Auto Comm-Standard, Liability Carrier Status Non-admitted States CA

® Glatfelter Insurance Group Coverages Auto Comm-Standard, Crime, Excess Liab, GL, Inland Marine, Property Carrier Status Admitted States Most States

® National Advantage Insurance Services, Inc. Coverages Inland Marine, Property Carrier Status Non-admitted States TX, OR, NV, CA, AZ

® Grundy Worldwide Coverages Auto Comm-Standard, CGL, D&O, E&O, EPLI, Equipment Breakdown, Excess Liab, Property, Public Officials, Workers’ Comp Carrier Status Admitted States All States

® Prime Insurance Coverages Liability, Property Carrier Status Admitted, Non-admitted States Most States

Waste Haulers ® 5Star Waste Insurance Program, formerly BISYS Coverages Auto Comm-Standard, GL, Inland Marine, Physical Damage, Property, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® Alliant Specialty Insurance Services, Inc. Coverages Auto Comm-Standard, GL, Inland Marine, Pollution, Property, Umbrella, Workers’ Comp Carrier Status Non-admitted States AL, AZ, CA, CO, FL, GA, IL, IN, NC, OH, OK, OR, PA, SC, TN, TX, UT, WA ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Environmental Liab, GL, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Brecht & Associates Coverages CGL, Excess Liab, GL, Motor Truck Cargo, Nonowned & Hired Auto, Truck Auto Liab, Umbrella, Uninsured Motorists, Uninsured Personal Injury Carrier Status Admitted States TX ® CNA

Coverages Auto Comm-Nonstandard, Crime, GL, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States

® Crump Insurance Services, Inc. (Memphis) Coverages Auto Comm-Standard, Inland Marine, Liability, Physical Damage, Property, Umbrella Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Nashville) Coverages Auto Comm-Standard Liability, Inland Marine, Liability, Physical Damage, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (New York) Coverages Auto Comm-Standard Liability, Inland Marine, Liability, Physical Damage, Property, Umbrella, Uninsured Motorists Carrier Status Admitted, Non-admitted States Most States ® Crump Insurance Services, Inc. (Seattle) Coverages GL, Inland Marine, Physical Damage Carrier Status Admitted, Non-admitted States All States

www.insurancejournal.com

® NIF Group, Inc. Coverages Auto Comm-Standard, Boiler & Machinery, Business Interruption, Commercial Excess, E&O, EPLI, GL, Products Liab Carrier Status Admitted States TN, NY, NM, NJ, CT, AZ

Wildlife Control ® Brownyard Group Coverages Auto Comm-Standard, Blanket Addt’l Insureds, Care/Custody/Control, CGL, Crime, Excess Liab, Fidelity, Fidelity Bonds, GL, Inland Marine, Lost Key, Pollution Liab, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

Wineries ® Northern Ohio E & S Agency, Inc. Coverages Business Income, GL, Liquor Liab, Products Liab, Property Carrier Status Non-admitted States OH ® Winery Pak Insurance Programs Coverages Auto Comm-Standard, Bailee/Customer Goods, Blanket Addt’l Insureds, Business Income, Cargo, Commercial Excess, Cyber Liab, Equipment Breakdown, Excess Liab, Inland Marine, Liability, Liquor Liab, Property Carrier Status Admitted States Most States

Wood Workers ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Boiler & Machinery, Business Interruption, Equipment, Inland Marine Carrier Status Admitted, Non-admitted States All States ® III Special Risk, Inc. Coverages Business Income, Medical Payments, Property Carrier Status Non-admitted States AL, GA, NC, SC, TN ® M.J. Hall & Company, Inc. Coverages Business Income, CGL, Equipment Breakdown, Excess Liab, Pollution, Property Carrier Status Non-admitted States CA, AZ, AR, AK, LA, NM, NV, OK, TX ® Woodus K. Humphrey & Co. (AmWINS) Coverages Boiler & Machinery, Business Interruption, Equipment Breakdown, Inland Marine, Property Carrier Status Admitted States All States

Wrecking Contractors ® AmWINS Group, Inc. - 45 Offices Nationwide Coverages Auto Comm-Standard, GL, Inland Marine, Property, Workers’ Comp Carrier Status Admitted, Non-admitted States All States ® Apollo General Ins. Agency, Inc. Coverages Accident & Health, Accidental Death, Auto Comm-Standard, Blanket Addt’l Insureds, Blanket Waivers, Cargo, Contractors Equip, Contractors License Bonds, Environmental Liab, EPLI, Equipment, GL, Railroad Protective Liab, Real & Business Personal Prop, Umbrella, Workers’ Comp Carrier Status Non-admitted States All States ® Burns & Wilcox - All Offices Coverages Auto Comm-Standard, CGL, Excess Liab, Inland Marine, Nonowned & Hired Auto, Property, Tools & Equip, Umbrella Carrier Status Admitted, Non-admitted States Most States

Yacht Clubs ® Aon Association Services Coverages D&O Carrier Status Admitted States Most States

® Professional Underwriters - Community Works Insurance Program Coverages Auto Comm-Standard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, Crime, Environmental Liab, GL, Inland Marine, Property, Umbrella, Workers’ Comp Carrier Status Admitted States Most States

® Rural Special Districts Insurance Services Coverages Auto Comm-Standard, Crime, EPLI, Excess Liab, GL, Property Carrier Status Admitted States Most States

Weddings ® Abacus Insurance Brokers Coverages Blanket Addt’l Insureds, Crime, Event Cancellation, GL, Liquor Liab Carrier Status Admitted States All States ® Gales Creek Insurance Services Coverages CGL, Event Cancellation, Liquor Liab, Nonowned & Hired Auto, Umbrella Carrier Status Admitted, Non-admitted States Most States ® HCC Specialty Underwriters, Inc. (MA) Coverages Liability, Liquor Liab, Weather Carrier Status Non-admitted States All States ® K & K Insurance Group, Inc. Coverages CGL, Inland Marine Carrier Status Admitted States All States ® Markel American Insurance Co. Coverages Event Cancellation, Liability, Property Carrier Status Admitted States Most States ® R.V. Nuccio & Associates, Inc. Coverages Addt’l Expense, Event Cancellation, Inland Marine, Personal Liab, Rented Property Carrier Status Admitted States All States

® Insurance Center Special Risks Ltd Coverages Business Interruption, Legal Liab, Property Carrier Status Admitted, Non-admitted States VT, RI, NY, NH, ME, MA, CT ® Maritime General Agency Coverages Boats, CGL, Commercial Marine, Crime, Hull, Inland Marine, Marina Operators Legal, Nonowned & Hired Auto, Piers & Docks, Pollution, Umbrella, Workers’ Comp Carrier Status Admitted States All States ® Markel American Insurance Co. Coverages Boats, Commercial Marine, Hull, Pollution Liab, Watercraft Liab Carrier Status Admitted States Most States ® TCA, Inc. Coverages Boats, Builders Risk, CGL, Commercial Excess, Commercial Marine, Contractors Equip, Excess Liab, GL, Hull, Liability, Marina Operators Legal, Piers & Docks, Pollution, Pollution Liab, Professional Liab, Property, Protection & Indemnity (P&I), Wet Marine Carrier Status Admitted, Non-admitted States All States ® Trafalgar Marine Insurance Services, Inc. Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted States Most States ® Western Maritime Coverages GL, Liquor Liab, Marina Operators Legal, Property, Protection & Indemnity (P&I) Carrier Status Admitted, Non-admitted States All States

Yachts/Mega Yachts ® ACE Recreational Marine Insurance Coverages Emergency Towing & Service, Federal LHWCA, Hull, Medical Payments, Personal Property, Pollution Liab, Protection & Indemnity (P&I), Uninsured Boaters Carrier Status Admitted States Most States ® Brauer & Associates, Inc. Coverages Hull, Protection & Indemnity (P&I) Carrier Status Admitted States Most States

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N77

18TH ANNUAL PROGRAM DIRECTORY, VOLUME I ® Britt/Paulk Insurance Agency, Inc. Coverages Commercial Marine, Hull, Property, Protection & Indemnity (P&I) Carrier Status Admitted States Most States ® IAAC, Inc. (Membership Services Division of IIABNY) Coverages Liability, Physical Damage Carrier Status Admitted States NY ® Insurance Center Special Risks Ltd Coverages Emergency Towing & Service, Hull, Medical Payments, Personal Property, Pollution Liab, Watercraft Liab, Watersports Liab Carrier Status Admitted States VT, RI, NY, NH, ME, MA, CT ® J.E. Brown & Associates Coverages Liability, Property Carrier Status Admitted States CA ® Maritime General Agency Coverages Boats, Hull, Medical, Pollution, Protection & Indemnity (P&I) Carrier Status Admitted States All States ® Markel American Insurance Co. Coverages Hull, Liability, Medical Payments, Pollution Liab, Uninsured Boaters, Watercraft Liab Carrier Status Admitted States Most States ® Quaker Special Risk (Florida) Coverages Hull, Watercraft Liab Carrier Status Non-admitted States Most States ® Quaker Special Risk (New Jersey) Coverages Hull, Protection & Indemnity (P&I), USL&H Carrier Status Non-admitted States Most States ® TCA, Inc. Coverages Boats, Hull, Protection & Indemnity (P&I), Theft, Uninsured Boaters Carrier Status Admitted, Non-admitted States All States ® Terheggen/Malone Marine Insurance Coverages Boats, Watercraft Liab Carrier Status Admitted States CA, AZ ® Trafalgar Marine Insurance Services, Inc. Coverages Federal LHWCA, Liability, Medical, Personal Property, Property Carrier Status Admitted States Most States

Youth Sports Associations ® ACE Westchester - Program Division Coverages GL, Liability Carrier Status Admitted States Most States ® Aon Association Services Coverages D&O, EPLI, Fiduciary Liab, Non-Profit D&O Carrier Status Admitted States All States ® Bollinger, Inc. Coverages Accident & Health, CGL, Crime, D&O, Equipment, Excess Liab Carrier Status Admitted States All States ® Fox Point Programs Coverages E&O, EPLI Carrier Status Non-admitted States All States

® Francis L. Dean & Associates, Inc.

Coverages Abuse & Molestation, Accidental Death, Excess Liab, Liability,

Liquor Liab, Participant Accident, Student Accident Carrier Status Admitted, Non-admitted States All States ® Gales Creek Insurance Services Coverages Abuse & Molestation, Auto Comm-Standard, CGL, D&O, EPLI, Inland Marine, Participant Accident, Umbrella, Workers’ Comp Carrier Status Admitted, Non-admitted States Most States ® Guarantee Trust Life Insurance Company Coverages Accidental Death, Medical, Medical Payments, Participant Accident, Student Accident Carrier Status Admitted States Most States

® MIC Insurance Brokerage Coverages Accident & Health, D&O, GL Carrier Status Admitted States All States ® Northern Ohio E & S Agency, Inc. Coverages Abuse & Molestation, GL, Property Carrier Status Non-admitted States OH ® Philadelphia Insurance Companies Coverages Abuse & Molestation, Auto Comm-Standard, Auto CommStandard Liability, Auto Comm-Standard Phys Dmg, Boiler & Machinery, CGL, D&O, Employee Benefits, EPLI, Fiduciary Liab, Fire Legal Liab, GL, Identity Theft, Inland Marine, Property, Real & Business Personal Prop, Sexual Misconduct Liab, Umbrella, Uninsured Motorists Carrier Status Admitted States Most States ® RLI Specialty Programs Coverages Abuse & Molestation, Boiler & Machinery, Business Income, Crime, Equipment Breakdown, GL, Liquor Liab, Property Carrier Status Non-admitted States Most States ® Special Markets Insurance Consultants, Inc. Coverages Accident & Health, Liability Carrier Status Admitted States All States ® Summit America Ins. Services L.C. Coverages Accident & Health, Accidental Death, CGL Carrier Status Admitted States All States

® H&W Insurance Services, Inc. Coverages Professional Liab Carrier Status Non-admitted States Most States ® K & K Insurance Group, Inc. Coverages CGL States All States ® Markel Insurance Company Coverages Abuse & Molestation, Accident & Health, Auto CommStandard, Crime, D&O, Equipment, Equipment Breakdown, GL, Inland Marine, Property, Umbrella Carrier Status Admitted States Most States

N78 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.insurancejournal.com

Social Media Marketing for Insurance Professionals Live Webcast: June 16, 2009 10AM Pacific / 1PM Eastern with guest presenter Lorrie Thomas What you must know before you take action Techniques for employing social media as a marketing arketing to tool ool Specific steps for Insurance professionals to develop veloop a

successful social media strategy This power-packed webinar will leave you with ann edia ed understanding of the breadth and depth of social m media as a low-cost (or no-cost!) marketing tool.

All registrants will receive: Registration for live webcast on June 16 Access to the webcast archive, so you can watch again MP3 download of the webcast A comprehensive whitepaper, "Social Media

Marketing for Insurance Professionals" authored by Lorrie

Presented By Lorrie Thomas Lorrie is the principal of Web Marketing Therapy, a full-service web marketing agency that helps small businesses get BIG with strategic web marketing. She teaches Web Marketing Applications, Social Media Marketing and Search Engine Marketing Applications classes at UCSB Extension and UC Berkeley Extension.

Ms. Thomas was on the founding team at ValueClick Media. She speaks nationally on a number of marketing-related topics and caters her presentations to the business, niche, skill sets and professional concerns of her attendees

Register Now: www.insurancejournal.com/socialmedia/ www insurancejournal com/socialmedia/

18TH ANNUAL PROGRAM DIRECTORY VOLUME I – ALPHABETICAL DIRECTORY OF MARKETS 4 All Insurance Services

5Star Waste Insurance Program, formerly BISYS

Advanced Professional Services LLC

P.O. Box 992, Woodland Hills, CA 91365 Phone: (818) 346-4555, Fax: (818) 610-2219 info@4allinsurance.net www.4allinsurance.net

158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 242-7680 marketing@5starsp.com www.5starsp.com

240 Lock Rd., Deerfield Beach, FL 33442 Phone: (866) 551-9805, Fax: (954) 725-6115 info@advancedprofessional.com www.advancedprofessional.com

5Star Business Auto Program (Misc. classes), formerly BISYS

5Star Workers’ Compensation Services

AEON Insurance Services

906 S Kirkwood, St. Louis, MO 63122 Phone: (877) 247-9772, Fax: (314) 965-9399 marketing@5starsp.com www.5starsp.com

4030 Moorpark Ave., Ste. 110, San Jose, CA 95117 Phone: (866) 490-5888, Fax: (281) 333-8506 msed@aeon-inc.com www.aeon-inc.com

A. D. Carlton Insurance

AFC Insurance

4425 W Airport Fwy, Ste. 135, Irving, TX 75062 Phone: (214) 596-9276, Fax: (214) 596-9574 adavis@adcarlton.com www.adcarlton.com

95 Highland Ave., Ste. 150, Bethlehem, PA 18017 Phone: (877) 456-5323, Fax: (610) 974-8574 art.lyons@afcins.com www.afcins.com

A.I.I. Insurance Brokerage of Mass. Inc.

AFG Partners

183 Davis St., P.O. Box 1139, Douglas, MA 01516 Phone: (508) 476-1990, Fax: (508) 476-1991 info@agencyint.com www.agencyint.com

111 John St., New York, NY 10038 Phone: (212) 266-0206, Fax: (212) 406-3192 ledelman@afgins.com www.afgins.com

Abacus Insurance Brokers

Agency Intermediaries Inc.

Abacus Insurance, through www.abacus.net offers online quotes & policy issuance. Programs include special events, entertainment productions, floaters, and more. Limits up to $6 mil. Abacus has the quickest response time so agents can quote, bind & issue in minutes rather than days.

Quote…Bind…Issue…Done!

Agency Marketing Services

158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

5Star Contract School Bus Program, formerly BISYS 444 Beach 129th St., Belle Harbor, NY 11692 Phone: (877) 247-9772, Fax: (866) 566-8424 marketing@5starsp.com www.5starsp.com

5Star D&O Program 303 W Madison St., Ste. 700, Chicago, IL 60606 Phone: (877) 247-9772, Fax: (866) 720-5003 marketing@5starsp.com www.5starsp.com

5Star DEALERsure (Auto Dealers) Program, formerly BISYS 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

5Star EPLI Program 303 W Madison St., Ste. 700, Chicago, IL 60606 Phone: (877) 247-9772, Fax: (866) 720-5003 epli@5starsp.com www.5starsp.com

5Star Lumber Program 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

5Star Non-Trucking Liability Program, formerly BISYS 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6145 marketing@5starsp.com www.5starsp.com

5Star Paratransit Program, formerly BISYS 444 Beach 129th St., Belle Harbor, NY 11694 Phone: (877) 247-9772, Fax: (866) 566-8424 marketing@5starsp.com www.5starsp.com

5Star PARKsure (Parking) Program 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

5Star Public Auto Program 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

5Star Towing & Recovery Program, formerly BISYS 158 N. Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (866) 749-8929 marketing@5starsp.com www.5starsp.com

5Star Trucking Program 158 N Harbor City Blvd., Melbourne, FL 32935 Phone: (877) 247-9772, Fax: (321) 757-6147 marketing@5starsp.com www.5starsp.com

12300 Wilshire Blvd., Ste. 400, Los Angeles, CA 90025 Phone: (310) 207-5432, Fax: (310) 207-8526 darren.lewin@abacus.net www.abacus.net

Abram Interstate Insurance Services Inc. 2211 Plaza Dr., Ste. 100, Rocklin, CA 95765 Phone: (916) 780-7000, Fax: (916) 780-7181 Meaganr@abraminterstate.com www.abraminterstate.com

Access E&S Insurance Services (CA) 5575 Lake Park Way, Ste. 222, La Mesa, CA 91942 Phone: (619) 462-1128, Fax: (866) 209-7312 valerie@access-es.com www.access-es.com

Access E&S Insurance Services (VA) 2001 N Lincoln St., Arlington, VA 22207 Phone: (703) 248-2566, Fax: (703) 248-2565 Tim@Access-ES.com www.Access-ES.com

ACE Recreational Marine Insurance 436 Walnut St., Philadelphia, PA 19106 Phone: (215) 640-2609, Fax: (215) 640-5025 recreational.marine@acegroup.com www.acemarineinsurance.com

ACE USA—Excess Casualty 140 Broadway, New York, NY 10005 Phone: (646) 458-5925, Fax: (646) 458-5924 Connie.Germano@ace-ina.com www.aceusa.com

ACE Westchester - Program Division 436 Walnut St. WA 7C, Philadelphia, PA 19106 Phone: (215) 640-4467, Fax: (215) 640-5471 carol.dennis@acegroup.com www.aceprogramdivision.com

ACE Westchester Specialty—Environmental 500 Colonial Center Pkwy, Ste. 200, Roswell, GA 30076 Phone: (678) 795-4220, Fax: (678) 795-4569 Barbara.Deas@ace-ina.com www.acewestchester.com

Advanced E&S Insurance Underwriters 430 W Erie St., Ste. 510, Chicago, IL 60654 Phone: (866) 867-0505, Fax: (312) 867-0510 quote@advancede-s.com www.advancede-s.com

N80 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

1575 Boston Post Rd., P.O. Box 451, Guilford, CT 06437 Phone: (203) 453-28598009, Fax: (203) 453-88598005 info@agencyint.com www.agencyint.com P.O. Box 67218, St. Pete Beach, FL 33736 Phone: (800) 542-2805, Fax: (727) 343-4123 info@agencymarketing.com www.agencymarketing.com

Agostini Wholesale Insurance P.O. Box 880288, San Diego, CA 92168 Phone: (800) 922-7283, Fax: (619) 593-2008 ane@agostinisurplus.com www.agostiniwholesale.com

Agricultural Insurance Mgmt Services 722 Route 3A, Ste. 10, Bow, NH 03278 Phone: (877) 552-2467, Fax: (603) 225-9318 jlp@aimscentral.com www.aimscentral.com

AIRisk (formerly listed as AIG Programs) 100 Summer St., Boston, MA 02110 Phone: (617) 443-4656, Fax: (617) 443-4650 airisk2@aig.com www.airisk.com

Alexander J. Wayne & Associates Inc. 2551 N Clark St., Ste. 601, Chicago, IL 60614 Phone: (773) 328-0500, Fax: (773) 328-0508 alwayne@ajwayne.com www.ajwayne.com

Align General Insurance Agency Inc. 610 W Ash St., Ste. 1702, San Diego, CA 92101 Phone: (619) 702-7022, Fax: (619) 702-6799 ksweeney@aligngeneral.com www.aligngeneral.com

All Risks Ltd. 10150 York Rd., 5th Fl, Hunt Valley, MD 21030 Phone: (800) 366-5810, Fax: (410) 828-8179 hhobbie@allrisks.com www.allrisks.com

Alliance of Nonprofits for Insurance Risk Retention Group P.O. Box 8546, Santa Cruz, CA 95061 Phone: (800) 359-6422, Fax: (831) 459-0853 sbradshaw@ani-rrg.org www.ani-rrg.org

Alliant Specialty Insurance Services Inc. P.O. Box 609015, San Diego, CA 92160 Phone: (858) 505-4011, Fax: (858) 505-4074 marketing@alliantspecialty.com www.alliantspecialty.com

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY VOLUME I – ALPHABETICAL DIRECTORY OF MARKETS Allied Insurance Brokers Inc. (PA) 4 Allegheny Center, 4th Fl, Pittsburgh, PA 15212 Phone: (800) 569-9427x228, Fax: (888) 316-9016 cweisenborn@alliedinsbrokers.com www.alliedforbrokers.com

American Business Insurance Services Inc. 32107 Lindero, Ste. 126, Westlake Village, CA 91361 Phone: (800) 980-1950, Fax: (800) 980-1960 Dave@abiw.com www.ABIinsurance.com

American Collectors Insurance Inc. 496 Kings Hwy N, Cherry Hill, NJ 08002 Phone: (800) 360-2277, Fax: (856) 755-7440 agents@americancollectors.com www.AmericanCollectors.com

American Management Corporation 824 Front St., Conway, AR 72032 Phone: (800) 233-2398, Fax: (501) 450-6962 marketing@amcins.com www.amcinsurance.com

American Professional Liability Underwriters 7270 NW 12 St., Ste. 700, Miami, FL 33126 Phone: (786) 924-7036, Fax: (786) 924-7046 rkenney@amproins.com www.amproins.com

American Reliable Insurance Company 8655 E Via De Ventura, Scottsdale, AZ 85258 Phone: (800) 535-1333, Fax: (480) 483-0797 kristine_tieplinsky@assurant.com www.americanreliable.com

American Safety Insurance Services Inc. 100 Galleria Pkwy. SE, Ste. 700, Atlanta, GA 30339 Phone: (770) 485-4385, Fax: (770) 955-8339 info@amsafety.com www.amsafety.com

American Team Managers Insurance Services 1030 N Armando St., Anaheim, CA 92806 Phone: (714) 414-1200, Fax: (714) 414-1255 bryan@atminsurance.com www.atminsurance.com

American Underwriting Managers 365 Miron Dr., Ste. D, Southlake, TX 76092 Phone: (817) 424-1996, Fax: (817) 481-0742 nena@auminsur.com www.auminsur.com

AMIS/Alliance Marketing & Insurance Services 355 Via Vera Cruz, Ste. 7, San Marcos, CA 92078 Phone: (800) 843-8550, Fax: (800) 573-8550 bwest@amiscorp.com www.amiscorp.com

AmWINS Group Inc. - 45 Offices Nationwide See Website for Locations Headquarters - Charlotte, NC 28210 Phone: (704) 749-2700, Fax: (704) 943-9000 marketing@amwins.com www.amwins.com

Aon Association Services

1120 20th St. NW, Ste. 600, Washington, DC 20036 Phone: (800) 432-7465, Fax: (800) 701-1982 info@npo-ins.com www.npo-ins.com

Automotive Risk Mgmt. & Insurance Services Inc.

1919 Grand Canal Blvd., Ste. C-7, Stockton, CA 95207 Phone: (800) 224-6363, Fax: (888) 504-8062 apps@armonline.com www.armonline.com

Apex Insurance Services 0ne Intert’l Centre, 100 NE Loop 410, Ste. 650 San Antonio, TX 78216 Phone: (210) 340-8985, Fax: (210) 340-8986 hughes@apexinsurance.com www.apexinsurance.com

Apogee Insurance Group

489 Devon Park Dr., Ste. 301, Wayne, PA 19087 Phone: (610) 337-3200x7021, Fax: (610) 337-2337 Rmcintyre@apogeeinsgroup.com www.apogeeinsgroup.com

AVRECO

550 W Van Buren, Ste. 1200, Chicago, IL 60607 Phone: (312) 294-5625, Fax: (312) 922-7563 byurek@avreco.com www.AVRECO.com

Apollo General Insurance Agency Inc. P.O. Box 1508, Sonoma, CA 95476 Phone: (800) 624-5829, Fax: (707) 996-2912 paulz@apgen.com www.apgen.com

Bass Underwriters

Appalachian Underwriters Inc. 800 Oak Ridge Turnpike, Ste. A-1000, Oak Ridge, TN 37830 Phone: (888) 376-9633, Fax: (888) 871-7644 jonathan.hooven@appund.com www.appund.com

Anderson & Murison Inc.

800 W Colorado Blvd., Los Angeles, CA 90041 Phone: (323) 255-2333, Fax: (323) 255-0957 james.mccarthy@andersonmurison.com www.andersonmurison.com

Anthony R. Davis Agency 200 E Grove St., Westfield, NJ 07090 Phone: (908) 233-8040, Fax: (908) 233-6414 info@ardavisagency.com www.ardavisagency.com

www.insurancejournal.com

Beacon Hill Associates Inc. P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com www.b-h-a.com

Appleby & Sterling 2251 - A Ward Ave., Simi Valley, CA 93065 Phone: (805) 583-9828, Fax: (805) 583-9832 walt@applebyandsterling.com www.applebyandsterling.com

Bedford Insurance Services Inc. 23251 Mulholland Dr., Woodland Hills, CA 91364 Phone: (800) 669-9800, Fax: (818) 591-8365 info@bedfordinsurance.com www.bedfordinsurance.com

Applied Underwriters Inc.

P.O. Box 281900, San Francisco, CA 94128 Phone: (877) 234-4450, Fax: (877) 234-4452 sales@auw.com www.auw.com

Arrowhead General Insurance Agency Inc. 701 B St., Ste. 2100, San Diego, CA 92101 Phone: (800) 669-1889, Fax: (619) 881-8695 MarketingInfo@ArrowheadGrp.com www.ArrowheadGrp.com

Bollinger Inc.

Artex Risk Solutions Inc. P.O. Box 1957, Pinehurst, NC 28370 Phone: (910) 295-9800, Fax: (910) 295-9802 phil_giles@artexrisk.com www.artexrisk.com

101 JFK Parkway, Short Hills, NJ 07078 Phone: (800) 526-1379, Fax: (973) 921-2876 deb.meslar@bollingerinsurance.com www.BollingerInsurance.com

Associations Underwriters Inc. & Ziplow Horse Insurance

Bonding and Insurance Specialists Agency Inc. 9340 S Harlem Ave., Bridgeview, IL 60455 Phone: (800) 346-1031, Fax: (708) 598-6686 wballay@bisa-inc.com www.bisa-inc.com

1430 Warehime Rd., Westminster, MD 21158 Phone: (800) 336-2378, Fax: (410) 871-9748 Pcohen@auizhi.com www.equineinsuranceagent.com

Braishfield Associates Inc.

2966 Commerce Park Dr., Ste. 350, Orlando, FL 32819 Phone: (407) 825-9911, Fax: (407) 825-9737 info@braishfield.com www.braishfield.com

Anchor Bay Insurance Managers Inc. P.O. Box 2510, Silverdale, WA 98383 Phone: (800) 929-9560, Fax: (800) 929-9794 info@surpluslines.com www.surpluslines.com

6951 W Sunrise Blvd., Plantation, FL 33313 Phone: (954) 473-4488, Fax: (954) 316-3100 bturgeon@bassuw.com www.bassuw.com

Brauer & Associates Inc.

Assurance TempStaff Insurance Brokerage 1750 E Golf Rd., Schaumburg, IL 60173 Phone: (847) 463-7134, Fax: (847) 440-9126 tempstaff@assuranceagency.com www.assuranceagency.com

Atlantic Casualty Insurance Company P.O. Box 8010, Goldsboro, NC 27533 Phone: (877) 225-5744, Fax: (919) 751-1042 vdavis@atlanticcasualty.net www.atlanticcasualty.net

7211 Sawmill Rd., Ste. 200, Dublin, OH 43016 Phone: (614) 336-0990, Fax: (614) 336-0992 DanMartin-Brauer@sbcglobal.net DanMartin-Brauer@sbcglobal.net

Brecht & Associates

1450 Hughes Rd., Ste. 109, Grapevine, TX 76051 Phone: (817) 424-5335, Fax: (817) 424-3772 nsopkin@brechtassoc.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N81

18TH ANNUAL PROGRAM DIRECTORY VOLUME I – ALPHABETICAL DIRECTORY OF MARKETS www.cambridgealliance.com

www.brechtassoc.com

Britt/Paulk Insurance Agency Inc. 100 Glen Eagles Ct., Carrollton, GA 30117 Phone: (800) 842-8917, Fax: (770) 836-8563 ajbrown@brittpaulk.com www.brittpaulk.com

Brown & Brown of California Inc. - Programs 681 S Parker St., Ste. 200, Orange, CA 92868 Phone: (800) 280-7250, Fax: (714) 367-7719 programsinfo@broprog.com www.broprog.com

Brownyard Group 21 Maple Ave., P.O. Box 9175, Bay Shore, NY 11706 Phone: (800) 645-5820, Fax: (631) 666-5723 info@brownyard.com

CAMICO Mutual Insurance Company

Ck Specialty Insurance Associates (OR)

1235 Radio Rd., Redwood City, CA 94065 Phone: (650) 802-2500, Fax: (650) 802-2700 marcom@camico.com www.camico.com

20055 SW Pacific Hwy., Ste. 109, Sherwood, OR 97140 Phone: (503) 625-6223, Fax: (503) 625-6731 jay@ckspecialty.com www.ckspecialty.com

Care Providers Insurance Services LLC

Ck Specialty Insurance Associates (Sacramento)

16301 Quorum Rd., Ste. 130B, Addison, TX 75001 Phone: (800) 761-7072, Fax: (800) 224-7145 parcher@nsminc.com www.ins-cps.com

Phone: (916) 625-4325, Fax: (916) 625-9437 jfutral@ckspecialty.com www.ckspecialty.com

Carpenter Moore Insurance Services, Inc., a NASDAQ OMX Company

Phone: (800) 411-0083, Fax: (909) 606-6391 tammy@ckspecialty.com www.ckspecialty.com

150 Spear St., 3rd Fl, San Francisco, CA 94105 Phone: (415) 243-2300, Fax: (415) 243-2399 insurance@nasdaqomx.com www.carpentermoore.com

Casualty & Surety Inc. 100 Corporate Pkwy., Ste. 350, Birmingham, AL 35242 Phone: (205) 332-8117, Fax: (205) 995-0862 landrews@csiapex.com www.csiapex.com

CCBsure / ISG International www.brownyard.com

Brownyard Programs Ltd. 86 Carleton Ave., East Islip, NY 11730 Phone: (631) 581-9300, Fax: (631) 581-9385 info@brownyardprograms.com www.brownyardprograms.com

BUA LLC 155 Fleet St., Portsmouth, NH 03801 Phone: (888) 772-5005, Fax: (603) 457-2417 raudet@buainsurance.com www.buainsurance.com

Builder’s & Tradesmen’s Insurance Services 6610 Sierra College Blvd., Rocklin, CA 95677 Phone: (916) 772-9200, Fax: (916) 772-9292 info@btisinc.com www.btisinc.com

Bunker Hill Insurance Agency 9821 Katy Freeway, Ste. 850, Houston, TX 77024 Phone: (713) 973-0226, Fax: (713) 467-8238 dwilson@bhiainc.com www.bhiainc.com

Burnett & Company Inc.

2603 Augusta Dr., Ste. 1250, Houston, TX 77057 Phone: (713) 243-4300, Fax: (713) 243-4399 bgeorgiou@bcoinc.com www.bcoinc.com

Burnham + Company 474 Sylvan Ave. Box 1096, Englewood Cliffs, NJ 07632 Phone: (201) 568-9800, Fax: (201) 568-5599 BruceR@BurnhamCo.com www.ElevatorInsurance.com

Burns & Wilcox - All Offices See website for addresses Headquarters - Detroit/Farmington Hills, MI 48334 Phone: (248) 932-9000, Fax: (248) 932-9046 farmingtonhills@burns-wilcox.com www.burnsandwilcox.com

Cabrillo General Insurance Agency Inc. P.O. Box 501210, San Diego, CA 92150 Phone: (800) 681-2045, Fax: (858) 244-4669 lstafford@cabrillogen.com

204 Cedar St., Cambridge, MD 21613 Phone: (800) 336-5659, Fax: (410) 228-7645 underwriting@CCBsure.com www.CCBsure.com

Centurion Insurance Group Centurion Place - P.O. Box 959, Hanover, NH 03755 Phone: (603) 643-2000, Fax: (603) 643-2740 penny@centurionusa.com www.centurionusa.com

CGA Associates Inc. 30 W Main St., Freehold, NJ 07728 Phone: (800) 684-1404, Fax: (732) 845-1113 info@cgaassociates.com www.cgaassociates.com

Chamber Insurance Agency Services 100 Executive Dr., West Orange, NJ 07052 Phone: (800) 336-2007, Fax: (973) 731-2288 jpferreira@chamberagent.com www.chamberagent.com

Charity First Insurance Services Inc. One Market, Spear Tower, Ste. 200 San Francisco, CA 94105 Phone: (800) 352-2761, Fax: (415) 536-4033 charityfirstinfo@charityfirst.com www.charityfirst.com

ChemPlan - Chemical Insurance 2201 Cantu Ct., Ste. 102, Sarasota, FL 34232 Phone: (800) 410-1511, Fax: (941) 379-2668 dhagan@chemplan.net www.chemplan.net

Chopra Insurance Brokerage Inc. 16800 Devonshire St, Ste 309, Granada Hills, CA 91344 Phone: (818) 923-6090, Fax: (818) 551-4589 Info@choprainsurance.com www.choprainsurance.com

CID Insurance Programs Inc. P.O. Box 880288, San Diego, CA 92168-0288 Phone: (800) 922-7283, Fax: (619) 593-2008 ane@cidinsurance.com www.cidinsurance.com

Ck Specialty Insurance Associates (CA) 16360 Monterey Rd., Ste. 290, Morgan Hill, CA 95037 Phone: (408) 779-8181, Fax: (408) 778-2633 carol@ckspecialty.com www.ckspecialty.com

Ck Specialty Insurance Associates (NV) www.cabrillogen.com

Cambridge Alliance P.O. Box 64998, Burlington, VT 05406 Phone: (800) 691-1515, Fax: (802) 864-9369 tbougere@cambridgealliance.com

P.O. Box 44, Morgan Hill, CA 95038 Phone: (866) 444-7714, Fax: (888) 929-0808 jay@ckspecialty.com www.ckspecialty.com

N82 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Ck Specialty Insurance Associates (So. CA)

Cluett Commercial Insurance Agency Inc. 8 Pembroke St., Kingston, MA 02364 Phone: (800) 926-6771, Fax: (781) 585-4180 info@cluettinsurance.com www.cluettinsurance.com

CNA 333 S Wabash, Chicago, IL 60604 Phone: (312) 822-5000, Fax: (312) 894-3589 linda.dickson@cna.com www.cna.com

Colemont Insurance Brokers - Atlanta 2859 Paces Ferry Rd. NW, Ste. 1500, Atlanta, GA 30339 Phone: (770) 434-3666, Fax: (770) 434-1008 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Chicago 300 S Wacker Dr., Ste. 900, Chicago, IL 60606 Phone: (312) 986-0404, Fax: (312) 986-0491 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Fresno 516 W Shaw Ave., Ste. 200, Fresno, CA 93704 Phone: (559) 448-1100, Fax: (559) 448-1111 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Hartford 195 Farmington Ave., Ste. 210, Farmington, CT 06032 Phone: (860) 678-8870, Fax: (860) 678-8871 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Nashville 501 Corporate Centre Dr., Ste. 250, Franklin, TN 37067 Phone: (615) 261-1230, Fax: (615) 261-1234 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Phoenix 3333 E Camelback Rd., Ste. 260, Phoenix, AZ 85018 Phone: (602) 567-4300, Fax: (602) 567-4366 info@colemont.com - www.colemont.com

Colemont Insurance Brokers- San Francisco 100 California St., Ste. 1100, San Francisco, CA 94111 Phone: (415) 693-5890, Fax: (415) 693-9399 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Texas (Dallas) 5910 N Central Expy, Ste. 500, Dallas, TX 75206 Phone: (800) 528-5544, Fax: (214) 528-9101 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Texas (Houston) 820 Gessner Rd., Ste. 1770, Houston, TX 77024 Phone: (713) 464-8702, Fax: (713) 464-3641 info@colemont.com www.colemont.com

Colemont Insurance Brokers- Woodland Hills 21650 Oxnard St., Ste. 1600, Woodland Hills, CA 91367 Phone: (818) 710-3630, Fax: (818) 710-3635 info@colemont.com www.colemont.com www.insurancejournal.com

BE HERE...

...NOT HERE

YOU DONâ&#x20AC;&#x2122;T NEED TO TRAVEL TO LEARN Get your questions answered instantly from your desk.

Insurance Journal webcasts allow you to interact with the experts in real time.

Live and On-Demand Webcasts on www.insurancejournal.com/webcasts

Check out the next webcast Photoscene.net presents: Viral Marketing to a New Generation of Policyholders Date: June 15, 2009 Time: 10:00AM PT / 1:00PM ET Register at: www.insurancejournal.com/webcasts Are you interested in having your own webcast or custom video? Give us a call: 800-897-9965 ext. 148

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS Columbia Underwriters Inc. 101 Trade Zone Dr., Ste.3A, West Columbia, SC 29170 Phone: (803) 822-8522, Fax: (803) 822-8515 info@cuinc.net www.cuinc.net

Combined Underwriting Agency Network Inc. 14 Front St., Ste. 201, Hempstead, NY 11550 Phone: (516) 538-4400x3705, Fax: (516) 538-4613 ASterenberg@comnet-insurance.com www.comnet-insurance.com

Commodore Insurance Services Inc. 2000 Powell St., Ste. 1005, Emeryville, CA 94608 Phone: (510) 899-6530, Fax: (510) 899-6930 smurphy@commodoreins.com www.commodoreins.com

Compass Insurance Group of Agencies 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-1980, Fax: (818) 545-3818 mail@compasseands.com www.compasseands.com

Construction Insurance Partners LLC 308 N 21st St., Ste. 300, St. Louis, MO 63103 Phone: (314) 554-9745, Fax: (314) 342-7170 johnc@cip-stl.com www.cip-stl.com

Construction Insurance Solutions 150 E 22nd St., Lombard, IL 60148 Phone: (800) 842-3653x233, Fax: (630) 705-1056 byron@normanspencer.com www.constructioninsurancesolutions.com

Consumer Specialties Insurance Co (RRG) One Plaza East, Ste. 100, Salisbury, MD 21801 Phone: (410) 749-0116, Fax: (410) 749-5244 csiplus@hktins.com www.csiplus.com

Continental Brokers Inc. 214 Key Dr., Ste. 2000, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 898-4793 cs@continentalbrokers.biz www.continentalbrokers.biz

Continental Risk Insurance Services 330 S Fairmont Ave., Ste. 2, Lodi, CA 95240 Phone: (866) 699-2747, Fax: (209) 365-6040 ed@continentalriskins.com www.continentalriskins.com

Cooper & McCloskey Inc. 111 Pine St., Ste. 1530, San Francisco, CA 94111 Phone: (415) 433-7700, Fax: (415) 433-7707 keltie@cmiprorisk.com www.cmiprorisk.com

Costanza Insurance Agency Inc. 9101 LBJ Freeway, Ste. 150, Dallas, TX 75243 Phone: (800) 346-0942, Fax: (972) 991-2139 d.howard@cia-tx.com www.costanzainsurance.com

CoverX Corporation 29621 Northwestern Hwy., Southfield, MI 48034 Phone: (248) 358-4010, Fax: (248) 358-2459 coverxuw@coverx.com www.coverx.com

CRES Insurance Services LLC

15373 Innovation Dr, #250, San Diego, CA 92128 Phone: (800) 880-2747, Fax: (858) 618-1655 info@cresprograms.com www.cresprograms.com

Crump Insurance Services, formerly Tri-City Brokerage (CA) 50 California St., Ste. 2000, San Francisco, CA 94111 Phone: (877) 247-9772, Fax: (321) 757-6147 TheOne@crumpins.com

www.crumpins.com

Crump Insurance Services Inc. (Dallas)

DVUA (Pittsburgh), a div of Hull & Company Inc.

7557 Rambler Rd., Ste. 300, Dallas, TX 75231 Phone: (214) 363-7636, Fax: (214) 691-5460 TheOne@crumpins.com www.crumpins.com

One Forrestwood Dr., Ste. 203, Pittsburgh, PA 15237 Phone: (412) 369-2500, Fax: (412) 366-1760 bobro@dvua.com www.dvua.com

Crump Insurance Services Inc. (Louisiana)

DVUA (W Va.), a div of Hull & Company Inc.

3300 W Esplanade Ave., Ste. 600, Metairie, LA 70002 Phone: (504) 833-2002, Fax: (504) 833-4422 TheOne@crumpins.com www.crumpins.com

3768 Teays Valley Rd., Ste. 200, Hurricane, WV 25526 Phone: (304) 757-1175, Fax: (304) 757-1182 ellis@dvua.com www.dvua.com

Crump Insurance Services Inc. (Memphis)

Environmental Insurance Agency (EIA)

5865 Ridgeway Center Pkwy., Ste. 200, Memphis, TN 38120 Phone: (901) 255-6161, Fax: (901) 255-6131 TheOne@crumpins.com www.crumpins.com

Crump Insurance Services Inc. (Nashville) 565 Marriott Dr., Ste. 820, Nashville, TN 37214 Phone: (800) 473-2265, Fax: (615) 885-8312 TheOne@crumpins.com www.crumpins.com

Crump Insurance Services Inc. (New York) 45 Broadway, Ste. 1150, New York, NY 10006 Phone: (212) 232-5500, Fax: (212) 232-5555 TheOne@crumpins.com www.crumpins.com

Crump Insurance Services Inc. (Portland) 9115 SW Oleson Rd., Ste 205, Portland, OR 97223 Phone: (503) 768-3001, Fax: (503) 244-8720 TheOne@crumpins.com www.crumpins.com

Crump Insurance Services Inc. (Seattle) 1909 214th St. SE, Ste. 200, Bothell, WA 98021 Phone: (425) 489-4555, Fax: (425) 398-1133 TheOne@crumpins.com www.crumpins.com

Crusader Insurance Company

23251 Mulholland Dr., Woodland Hills, CA 91364 Phone: (800) 669-9800, Fax: (818) 591-9856 info@crusaderinsurance.com www.crusaderinsurance.com

Davidson-Babcock 15200 Santa Fe Trail Drive, Suite 201, Lenexa, KS 66219 Phone: (800) 203-3223, Fax: (866) 469-1177 cliff.daniels@davidson-babcock.com www.davidson-babcock.com

Deans & Homer 340 Pine St., San Francisco, CA 94104 Phone: (800) 345-2054, Fax: (415) 989-7801 scott@deanshomer.com www.deansandhomer.com

Delta General Agency Corp.

P.O. Box 2045, Houston, TX 77252 Phone: (713) 570-2700, Fax: (713) 570-2800 billf@deltains.com www.deltains.com

DMI Insurance Services 330 Tennant Ave., Morgan Hill, CA 95037 Phone: (800) 877-2525, Fax: (408) 778-9277 info@dmi-insurance.com www.dmi-insurance.com

8285 SW Nimbus Ave., Parkside Business Ctr., Ste. 190, Beaverton, OR 97008 Phone: (503) 977-3333, Fax: (503) 977-3334 info@eiains.com www.eiains.com

Euclid Managers 234 Spring Lake Dr., Itasca, IL 60143 Phone: (630) 238-1900, Fax: (630) 773-8590 msutton@euclidmanagerskc.com www.euclidmanagers.com

Euclid Managers LLC 1627 Main St., Ste. 800, Kansas City, MO 64108 Phone: (816) 778-0708, Fax: (816) 778-0715 msutton@euclidmanagerskc.com www.euclidmanagerskc.com

Evolution Insurance Brokers

P.O. Box 4439, Sandy, UT 84091 Phone: (877) 678-7342, Fax: (801) 304-5551 quotes@eibdirect.com www.eibdirect.com

Fairway Underwriters 191 Pawtucket Blvd., Lowell, MA 01854 Phone: (800) 662-2141, Fax: (978) 454-8740 info@fairwayunderwriters.com www.fairwayunderwriters.com

Financial Risk Solutions Inc. 1111 Pasquinelli Drive Ste.400, Westmont, IL 60559 Phone: (866) 674-9503, Fax: (630) 371-0162 jwilson@financialrs.com www.financialrs.com

First Cardinal LLC 10 British American Blvd., Latham, NY 12110 Phone: (518) 213-1900, Fax: (518) 213-1902 rflaherty@firstcardinal.com www.firstcardinal.com

Floodwatch 4 W Main St., Ste. 600, Springfield, OH 45502 Phone: (800) 833-5912, Fax: (937) 323-0787 gary_tisdale@floodwatchins.com www.floodwatchins.com

Focus Underwriters LLC P.O. Box 51036, Durham, NC 27717 Phone: (919) 401-8010, Fax: (919) 401-8180 info@focusunderwriters.com www.focusunderwriters.com

Fox Point Programs 250 Philadelphia Pike, Wilmington, DE 19809 Phone: (800) 499-7242, Fax: (302) 472-8529 sales@foxpointprg.com

Dunfield Wholesale Insurance Inc. 21757 Devonshire St., Ste. 1A, Chatsworth, CA 91311 Phone: (800) 899-6922, Fax: (818) 576-1420 www.dunfield.biz

DVUA (NY / NJ), a div of Hull & Company Inc. 25 Vreeland Rd., Bldg B, Florham Park, NJ 07932 Phone: (973) 377-7779, Fax: (973) 377-2430 woodeshick@dvua.com www.dvua.com

N84 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.foxpointprg.com

Francis L. Dean & Associates, Inc. P.O. Box 4200, Wheaton, IL 60189 Phone: (800) 745-2409, Fax: (630) 665-7294 info@fdean.com www.fdean.com

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS drupp@piaint.com - www.piaint.com

Freberg Environmental Inc.

HCC Specialty Underwriters Inc. (MA)

1451 Larimer, Ste. 200, Denver, CO 80202 Phone: (800) 377-4152, Fax: (303) 623-8101 info@feiinsurance.com www.feiinsurance.com

401 Edgewater Pl., Ste. 400, Wakefield, MA 01880 Phone: (800) 927-6306, Fax: (781) 994-6000 mmaybury@hccsu.com www.hccsu.com

G.J. Sullivan Company (Orange) 625 The City Dr., Ste. 400, Orange, CA 92868 Phone: (800) 235-5485, Fax: (714) 876-2280 meskod@es.gjs.com www.gjsullivan.com

Gabor Insurance Services Inc. 7270 NW 12 St., Ste. 700, Miami, FL 33126 Phone: (786) 924-7030, Fax: (786) 924-7040 Rgabor@gaborinsurance.com www.gaborinsurance.com

Gales Creek Insurance Services 800 NW 6th, Ste. 335, Portland, OR 97236 Phone: (503) 227-0491, Fax: (503) 227-0927 bob@galescreek.com www.galescreek.com

General Agency Services Inc. P.O. Box 1905, Mt. Pleasant, MI 48804 Phone: (989) 775-6696, Fax: (702) 254-8925 jmortell@gasinsurance.net www.gasinsurance.net

Geo. F. Brown & Sons Inc. 118 S Clinton, Ste. 750, Chicago, IL 60661 Phone: (312) 258-3050, Fax: (312) 258-3016 mstrong@gfbgroup.com www.gfbgroup.com

Gerald J. Wilkoff Inc. 95 Main St., Mineola, NY 11501 Phone: (516) 747-0200, Fax: (516) 747-2021 info@wilkoffbonds.com www.wilkoffbonds.com

Gillingham & Associates 8501 Turnpike Dr., Ste. 200, Westminster, CO 80031 Phone: (303) 657-5007, Fax: (303) 428-5900 tamorgan@outdoorinsurance.com www.outdoorinsurance.com

Glatfelter Insurance Group 183 Leader Heights Rd., York, PA 17402 Phone: (800) 233-1957, Fax: (717) 747-7044 giginquiries@glatfelters.com www.glatfelters.com

Global Aerospace 51 JFK Parkway, Short Hills, NJ 07078 Phone: (973) 379-0800, Fax: (973) 379-8602 skeneally@global-aero.com www.global-aero.com

GMI Insurance Services P.O. Box 701, Valley Forge, PA 19482 Phone: (610) 933-4679, Fax: (610) 933-4993 karen@gmi-insurance.com www.gmi-insurance.com

Gorst Company 9310 Topanga Canyon Blvd., Chatsworth, CA 91311 Phone: (818) 507-0900, Fax: (818) 507-1133 mail@gorst.com www.gorst.com

Gray-Stone & Company Inc. 275 E Hillcrest Dr., Ste. 250, Thousand Oaks, CA 91360 Phone: (805) 494-4440, Fax: (805) 267-1769 info@gray-stone.com www.gray-stone.com

Great American Insurance Group One Waterside Crossing, Windsor, CT 06095 Phone: (860) 285-0433, Fax: (860) 285-0616 nogren@gaic.com www.crimeinsurance.com

7011 Campus Dr., Ste. 200, Colorado Springs, CO 80920 Phone: (800) 397-9697, Fax: (719) 528-8323 info-hci@hciusa.com www.hciusa.com

1515 Woodfield Rd., Ste. 500, Schaumburg, IL 60173 Phone: (847) 330-6750, Fax: (513) 929-6890 ELD@gaic.com www.GreatAmericanELD.com

Herbert H. Landy Insurance 75 Second Ave., Needham, MA 02494 Phone: (800) 336-5422, Fax: (800) 344-5422 johnt@landy.com www.landy.com

Great American Insurance, Specialty Human Services 49 E 4th St., DTS, 4th Fl, Cincinnati, OH 45202 Phone: (800) 722-3260, Fax: (888) 513-5593 czellers@gaic.com www.hsd.gaic.com

Heritage General Agency 725 S Figueroa St., Ste. 1900, Los Angeles, CA 90017 Phone: (213) 236-4600, Fax: (213) 244-9644 jsavage@heritagegeneral.com www.heritagegeneral.com

Greenwich Transportation Underwriters Inc. aka GTU

High Country Insurance (a div of Hull & Co.)

220 25th Ave. N, Ste. 100, Nashville, TN 37202 Phone: (800) 488-8852, Fax: (615) 321-4543 ben@gtu-ins.com www.gtu-ins.com

Gresham & Associates Inc. - Corporate Office One Gresham Landing, Stockbridge, GA 30281 Phone: (888) 473-7442, Fax: (770) 389-6867 marketing@greshaminc.com www.gresham-inc.com

P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7021 inquiries@glatfelters.com www.hccis.com

Grundy Worldwide 400 Horsham Rd., Ste. 150, Horsham, PA 19044 Phone: (215) 674-8171, Fax: (215) 674-5716 clint@grundy.com www.grundyutilities.com

Hospitality Insurance Solutions

Guarantee Trust Life Insurance Company

H&W Insurance Services Inc.

P.O. Box 1085, Shawnee Mission, KS 66222-1085 Phone: (800) 616-9475, Fax: (913) 432-1706 bgeis@hwunderwriters.com www.hwunderwriters.com

H. R. Keller & Company Inc. 1520 Sheridan Dr., Buffalo, NY 14217 Phone: (716) 874-1644, Fax: (716) 874-4920 rmartin@kellerandco.com www.kellerandco.com

Hagerty Insurance Agency Inc. 141 Rivers Edge Dr., Ste. 200, Traverse City, MI 49684 Phone: (800) 747-5348, Fax: (231) 941-8227 agent@hagerty.com www.hagerty.com

Hall & Company 19660 10th Ave. NE, Poulsbo, WA 98370 Phone: (360) 598-5021, Fax: (360) 697-3744 jean@hallandcompany.com www.hallco.net

Haylor, Freyer & Coon Inc. 1159 Pittsford Victor Rd., Bldg 5, Pittsford, NY 14534 Phone: (800) 336-6686, Fax: (585) 385-4607 dbarnes@haylor.com www.monroeinsurance.com or www.haylor.com 50 California St., Ste. 940, San Francisco, CA 94111 Phone: (415) 277-2460, Fax: (415) 288-0771

Horizon E & S Insurance Brokerage

Hospice and Community Care Insurance Services

6951 W Sunrise Blvd., Ft. Lauderdale, FL 33313 Phone: (888) 365-7701, Fax: (651) 365-7702 bmeyer@gridironins.com www.gridironins.com

1275 Milwaukee Ave., Glenview, IL 60025 Phone: (800) 592-7933, Fax: (847) 803-1835 srmarketing@gtlic.com www.gtlic.com

12596 W Bayaud Ave., Ste. 390, Lakewood, CO 80228 Phone: (303) 433-9255, Fax: (303) 433-9256 info@highcountryinsurance.com www.highcountryinsurance.com 875 S Westlake Blvd., Ste. 218, Westlake Village, CA 91361 Phone: (805) 494-6553, Fax: (805) 494-6778 info@horizonsurplus.com www.horizonsurplus.com

Gridiron Insurance Underwriters Inc.

HCC Specialty Underwriters Inc. (CA)

www.insurancejournal.com

Health Care Insurers Inc.

Great American Insurance Group Executive Liability Division

304 Cedar St., Sterling, CO 80751 Phone: (866) 286-5889, Fax: (970) 522-7792 gdennington@hospitalityins.com www.hospitalityins.com

Hotels & Resorts Insurance Program (BBCA Programs) 681 S Parker St., Ste. 200, Orange, CA 92868 Phone: (800) 690-4841, Fax: (714) 939-7437 sbaxter@broprog.com www.broprog.com

HULL & Company Inc. - Albuquerque 5850 Eubank Blvd. NE, Ste. B-72, Albuquerque, NM 87111 Phone: (866) 711-4855, Fax: (505) 889-9353 albuquerque@hullco.com www.hullco.com/albuquerque

HULL & Company Inc. - Charlotte 14120 Ballantyne Corp Pl., Ste. 525, Charlotte, NC 28277 Phone: (704) 540-1557, Fax: (704) 540-7611 charlotte@hullco.com www.hullco.com/charlotte

HULL & Company Inc. - Dallas 12801 N Central Expy., Ste. 1100, Dallas, TX 75243 Phone: (972) 789-1962, Fax: (972) 789-1967 dallas@hullco.com www.hullco.com/dallas

HULL & Company Inc. - Denver 5690 DTC Blvd., Ste. 300-E, Greenwood Village, CO 80111 Phone: (303) 218-3092, Fax: (866) 610-8043 denver@hullco.com www.hullco.com/denver

HULL & Company Inc. - Fort Lauderdale 2150 S Andrews Ave., Fort Lauderdale, FL 33316 Phone: (954) 527-4855, Fax: (954) 524-0479 ftlauderdale@hullco.com www.hullco.com/ftlauderdale June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N85

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS www.ihginsurance.com

HULL & Company Inc. - Great Falls

ICAT

INSUREtrust.com LLC d/b/a ITDC Ins Svcs in CA

615 Central Ave. NW, Great Falls, MT 59404 Phone: (426) 727-4900, Fax: (406) 727-4916 greatfalls@hullco.com www.hullco.com/greatfalls

3665 Discovery Dr., Ste. 300, Boulder, CO 80303 Phone: (303) 447-1155, Fax: (303) 447-1166 marketing@icat.com www.icat.com

1301 Hightower Trail, Ste.120, Atlanta, GA 30350 Phone: (770) 200-8035, Fax: (770) 200-8001 shaase@insuretrust.com www.insuretrust.com

HULL & Company Inc. - Honolulu

iii of Maryland Inc.

3375 Koapaka St., Ste. D136, Honolulu, HI 96819 Phone: (808) 843-0844, Fax: (808) 843-0840 hawaii@hullco.com www.hullco.com/hawaii

1300 York Rd., Bldg B, Ste. 250, Lutherville, MD 21093 Phone: (410) 337-9295, Fax: (410) 337-9286 kays@iiigroup.com www.iiigroup.com

Insurmark a Div. of Financial & Professional Risk Solutions Inc.

HULL & Company Inc. - Horsham

III Special Risk Inc.

2 Walnut Grove Dr., Horsham, PA 19044 Phone: (215) 443-3500, Fax: (215) 443-3502 info@DVUA.com www.DVUA.com

1300 York Rd. Bldg B, Ste. 250, Lutherville, MD 21093 Phone: (410) 337-9295, Fax: (410) 337-9286 kays@iiigroup.com www.iiigroup.com

HULL & Company Inc. - Jacksonville

Indemnity Excess & Surplus Agency Inc.

8381 Dix Ellis Trail, Ste. 100, Jacksonville, FL 32256 Phone: (888) 809-4855, Fax: (904) 538-9838 jacksonville@hullco.com www.hullco.com/jacksonville

1500 NW Bethany Blvd., Ste. 235, Beaverton, OR 97006 Phone: (800) 487-2442, Fax: (503) 526-9700 jimh@ies-xs.com www.ies-xs.com

HULL & Company Inc. - Kalispell

Independent Brokers & Agents of the West (IBA West)

130 First Ave. W, Kalispell, MT 59901 Phone: (406) 755-7107, Fax: (406) 755-5543 kalispell@hullco.com www.hullco.com/kalispell

HULL & Company Inc. - Lincoln, Neb. Phone: (402) 466-9400, Fax: (402) 466-9777 lincoln@hullco.com www.hullco.com/lincoln

HULL & Company Inc. - New Orleans 111 Veterans Memorial Blvd., Ste. 1030, Metairie, LA 70005 Phone: (866) 900-4855, Fax: (504) 831-8948 neworleans@hullco.com www.hullco.com/neworleans

HULL & Company Inc. - Newport Beach 1600 Dove St., Ste. 315, Newport Beach, CA 92660 Phone: (949) 477-5030, Fax: (949) 477-5041 newportbeach@hullco.com www.hullco.com/newportbeach

HULL & Company Inc. - Stockton 2389 W March Ln., Ste. 200, Stockton, CA 95207 Phone: (209) 474-9100, Fax: (209) 474-9200 stockton@hullco.com www.hullco.com/stockton

HULL & Company Inc. - Tampa Bay 805 Executive Ctr Dr. W, Ste. 100, St. Petersburg, FL 33702 Phone: (727) 577-5775, Fax: (727) 579-9064 stpetersburg@hullco.com www.hullco.com/tampabay

HULL - Mile High Markets Inc. 5690 DTC Blvd., Ste. 300-E, Greenwood Village, CO 80111 Phone: (800) 544-8966, Fax: (866) 882-7224 milehighmarkets@hullco.com www.hullco.com/milehighmarkets

Hylant Group 303 W Madison, Chicago, IL 60606 Phone: (312) 283-1329, Fax: (312) 283-1351 lynne.erickson@hylant.com www.hylantpetroleum.com

IAAC Inc. (Membership Svcs Division of IIABNY) 5784 Widewaters Pkwy., Dewitt, NY 13214 Phone: (800) 962-7950, Fax: (888) 432-0510 iiabny@iiabny.org

7041 Koll Center Pkwy., Ste. 290, Pleasanton, CA 94566 Phone: (800) 772-8998, Fax: (818) 888-1757 info@ibawest.com www.ibawest.com

Infinite Wellness Solutions 3300 Reynolda Rd., Winston Salem, NC 27106 Phone: (336) 725-8624, Fax: (336) 725-8623 jbisonaroll@hotmail.com www.infinitewellnesssolutions.com

Insight Insurance Services Inc. 2000 S Batavia Ave., Ste. 300, Geneva, IL 60134 Phone: (800) 447-4626, Fax: (888) 447-6289 info@insightinsurance.com www.insightinsurance.com

Insurance Center Special Risks Ltd 246 Park St., West Springfield, MA 01089 Phone: (888) 773-7475, Fax: (413) 781-0050 lkoval@specilarisksltd.com www.specialrisksltd.com

Insurance Innovators Agency Of New England Inc. (Hopedale) 4 Charlesview Pl., Hopedale, MA 01747 Phone: (774) 396-0056, Fax: (774) 396-0067 richm@iiane.com www.iiigroup.com

Insurance Innovators Agency Of New England Inc. (Scarborough) 20 Mussey Rd., Scarborough, ME 04070 Phone: (207) 885-4027, Fax: (207) 885-4033 richm@iiane.com www.iiigroup.com

Insurance Innovators Agency Of New England Inc. (West Springfield) 30B Capital Dr., West Springfield, MA 01090 Phone: (413) 731-1100, Fax: (413) 731-7403 brendal@iiane.com www.iiigroup.com

4 W Main St., Ste. 600, Springfield, OH 45502 Phone: (800) 833-5912, Fax: (937) 323-0787 sharon_gulvas@Insurmark.com www.insurmark.com

Insurtec Tanning and Spa Insurance P.O. Box 25, Rich Hill, MO 64479 Phone: (800) 606-0621, Fax: (417) 395-2713 info@insurtecinc.com www.insurtecinc.com

Intercorp Inc. 1438-F W Main St., Ephrata, PA 17522 Phone: (717) 721-3500, Fax: (717) 721-3515 info@intercorpinc.net www.intercorpinc.net

Interline Insurance Services P.O. Box 3190, Cerritos, CA 90703 Phone: (800) 229-8790, Fax: (562) 404-4792 elitcher@meadowbrook.com www.interlineinsurance.com

International Excess Companies 26451 Curtiss Wright Pkwy, Ste. 103, Cleveland, OH 44143 Phone: (216) 797-9700, Fax: (216) 797-9970 kkukral@intlxs.com www.internationalexcess.com

IPC P.O. Box 1150, Gardnerville, NV 89410 Phone: (775) 782-6655, Fax: (775) 782-6654 tammy@ipc-nv.com www.ipc-nv.com

Irving Weber Associates Inc. 761 Koehler Ave., Ronkonkoma, NY 11779 Phone: (800) 243-1811, Fax: (888) 622-0414 mail@iwains.com www.iwains.com

Irwin Siegel Agency Inc. 25 Lake Louise Marie Rd., Rock Hill, NY 12775 Phone: (800) 622-8272, Fax: (845) 796-3661 siegel@siegelagency.com www.siegelagency.com

IT Risk Managers Inc. P.O. Box 504, Okemos, MI 48805 Phone: (517) 381-9909, Fax: (775) 402-1164 info@itriskmanagers.com www.ITRiskmanagers.com

Izzo Insurance Services Inc. 7234 W North Ave., Elmwood Park, IL 60707 Phone: (800) 800-1704, Fax: (708) 452-1777 Info@IzzoInsurance.com www.IzzoInsurance.com

J.E. Brown & Associates 303 Lennon Ln., Walnut Creek, CA 94598 Phone: (925) 947-2990, Fax: (925) 947-3978 marketing@jebrown.net

Insurance Innovators of New Jersey Inc. 235 Route 22 E, 2nd Fl, Green Brook, NJ 08812 Phone: (732) 752-3388, Fax: (732) 752-5677 patty@iiigroup.com www.iiigroup.com

Insurance Innovators Inc. www.iiabny.org

Ian H. Graham Insurance

130 S Easton Rd., Glenside, PA 19038 Phone: (215) 885-7300, Fax: (215) 886-2482 susanc@iiigroup.com www.iiigroup.com

P.O. Box 7022, North Hollywood, CA 91615 Phone: (800) 621-2324, Fax: (866) 229-3754 info@ihginsurance.com N86 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

www.jebrown.net

J.L. von Arx & Associates

400 Oceangate, Ste. 310, Long Beach, CA 90802 Phone: (800) 986-6279, Fax: (562) 436-3255 jon.jr@jlvonarx.com

www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY VOLUME I – ALPHABETICAL DIRECTORY OF MARKETS www.jlvonarx.com

J.M. Wilson

8036 Moorsbridge Rd., Portage, MI 49024 Phone: (800) 282-8113, Fax: (269) 327-2620 cbaldwin@jmwilson.com www.jmwilson.com

Jorgensen & Company 1200 E Ridgewood Ave., Ridgewood, NJ 07450 Phone: (201) 447-4400, Fax: (201) 251-0439 rjorgensen@jorgensenandcompany.com www.jorgensenandcompany.com

Joseph Chiarello & Company Inc.

KZ Insurance Brokerage LLC 2007-B Opportunity Dr., Ste. 12, Roseville, CA 95678 Phone: (916) 781-6000, Fax: (916) 783-5950 info@kzib.com www.kzib.com

Landscape Contractors Insurance Services Inc. 1835 N Fine Ave., Fresno, CA 93727 Phone: (559) 650-3555, Fax: (559) 650-3558 kayala@lcisinc.com www.lcisinc.com

Lawyer’s Protector Plan

31 Parker Rd., Elizabeth, NJ 07208 Phone: (908) 352-4444, Fax: (908) 352-8512 info@jcinsco.com www.guninsurance.com

3101 W Martin Luther King Blvd., Ste. 400 Tampa, FL 33607 Phone: (800) 336-5529, Fax: (813) 223-9547 lpp@bbprograms.com www.lawyers.protectorplan.com

K & K Insurance Group Inc.

Lee & Mason

1712 Magnavox Way, Ft. Wayne, IN 46804 Phone: (866) 554-4636, Fax: (260) 459-5800 kk_general@kandkinsurance.com www.kandkinsurance.com

195 Farmington Ave., Farmington, CT 06107 Phone: (860) 677-0500, Fax: (860) 677-1227 lindab@leeandmason.com www.leeandmason.com

K&B Underwriters LLC

M.J. Hall & Company Inc.

P.O. Box 192, Stockton, CA 95201 Phone: (209) 948-8108, Fax: (209) 465-3843 Gwen@mjhallandcompany.com www.mjhallandcompany.com

MacAfee & Edwards Inc. - Mexican Insurance Specialist 700 S Flower St., Ste. 1216, Los Angeles, CA 90017 Phone: (213) 629-9777, Fax: (213) 629-9779 juan@mexicard.com www.macafeeandedwards.com

MacNeill Group, Inc., CMGA

Lemac General Agency

P.O. Box 459003, Sunrise, FL 33345 Phone: (954) 331-4800, Fax: (954) 331-4848 general.info@macneillgroup.com www.macneillgroup.com

12010 Sunset Hills Rd., Ste. 875, Reston, VA 20190 Phone: (888) 760-3194, Fax: (703) 880-7520 info@kbunderwriters.com www.kbunderwriters.com

600 City Parkway W, Orange, CA 92868 Phone: (714) 938-0251 dgorin@lemacassociates.com www.lemacga.com

Managed Care Services, a division of Swett & Crawford

KBK Insurance Group Inc.

Lewis & Clark LTC RRG Inc.

1425 Sams Ave., Harahan, LA 70123 Phone: (504) 736-0690, Fax: (504) 736-9030 kylemurray@kbkinsgroup.com www.kbkinsgroup.com

500 Northridge Rd., Ste. 330, Atlanta, GA 30350 Phone: (678) 781-2435, Fax: (678) 781-2450 nwood-clater@lewisandclarkrrg.com www.lewisandclarkrrg.com

KBS International Corp.

Liberty International Underwriters

145 Huguenot St., New Rochelle, NY 10802 Phone: (888) 527-4321, Fax: (914) 636-0802 peter@CourierInsurance.com www.CourierInsurance.com

55 Water St., 18th Fl, New York, NY 10041 Phone: (800) 677-9163, Fax: (212) 208-2863 david.cohen@libertyiu.com, dan.vaughn@libertyiu.com www.libertyiu.com

Keith D. Peterson & Company

LIBRIS

101 E Grace St., Richmond, VA 23219 Phone: (804) 643-7800, Fax: (804) 643-5800 preston.herrington@keithdpeterson.com www.keithdpeterson.com/forest_main.cfm

1655 Lafayette St., Ste. 200, Denver, CO 80218 Phone: (888) 694-8585, Fax: (888) 221-0051 libris@beechercarlson.com www.libris.org

Kevin Davis Insurance Services

LIG Marine Managers

P.O. Box 55012, Los Angeles, CA 90055 Phone: (877) 807-8708, Fax: (213) 627-5006 sbranson@kdins.com www.kdisonline.com

9600 Koger Blvd., Ste. 225, St. Petersburg, FL 33702 Phone: (727) 578-2800, Fax: (727) 578-9977 KLT@LIGMarine.com www.LIGMarine.com

KF&B Inc.

Liquor Pak Insurance Programs

425 W Broadway, Ste. 408, Glendale, CA 91204 Phone: (818) 242-5100, Fax: (818) 242-6800 rschwarz@kfbins.com www.kfbins.com

3 Wing Dr., Cedar Knolls, NJ 07927 Phone: (888) 386-5701, Fax: (973) 359-0133 larryc@liquorpak.com www.liquorpak.com

King Insurance Support Systems

Loggers Insurance Inc.

31381 Rancho Viejo Rd., Ste. 101 San Juan Capistrano, CA 92675 Phone: (949) 488-2255, Fax: (949) 488-2259 Marketing@kinginsuranceca.com www.kinginsuranceca.com

P.O. Box 551497, Jacksonville, FL 32255 Phone: (904) 296-4420, Fax: (904) 296-6144 david@loggers-insurance.com www.loggers-insurance.com

Logic Underwriters Inc. P.O. Box 600249, Dallas, TX 75360 Phone: (214) 739-0071, Fax: (214) 739-0072 paul@logicinsurance.com www.logicinsurance.com

London American Risk Specialists Inc.

Klein Insurance Services Inc. One Garret Mountain Plaza, Woodland Park, NJ 07424 Phone: (973) 754-6100, Fax: (973) 754-0600 jonathank@kis-hospitality.com www.kis-hospitality.com

11000 Richmond Ave., Ste. 600, Houston, TX 77042 Phone: (713) 977-7726, Fax: (713) 977-7606 zcarson@londonamericantx.com www.londonamericantx.com

720 Olive Way, 18th Fl, Seattle, WA 98101 Phone: (206) 340-8499, Fax: (206) 382-1409 mary_nolan@swett.com www.swett.com

Maritime General Agency P.O. Box 969, Westbrook, CT 06498 Phone: (800) 366-8086, Fax: (860) 399-3695 damon.pesce@maritimegeneral.com www.maritimegeneral.com

Markel American Insurance Company P.O. Box 906, Pewaukee, WI 53072 Phone: (262) 548-9880, Fax: (262) 548-9790 tconroy@markelcorp.com www.markelmarine.com

Markel Insurance Company 4600 Cox Road, Glen Allen, VA 23060 Phone: (800) 431-1270, Fax: (804) 965-1689 eservice@markelcorp.com www.markelinsurance.com

MarketScout 12700 Park Central Drive, Ste. 300, Dallas, TX 75251 Phone: (972) 934-4200, Fax: (972) 934-4299 contactus@marketscout.com www.marketscout.com

Mattei Insurance Services Inc. 600 University St., Ste. 300, Seattle, WA 98101 Phone: (866) 665-7253, Fax: (206) 826-2828 sales@matteicos.com www.matteicos.com

MBA Insurance Agency of AZ Inc. 8383 E Evans Rd., Scottsdale, AZ 85029 Phone: (480) 946-1066, Fax: (480) 946-0288 info@mbainsurance.net www.mbainsurance.net

McClelland and Hine Inc. P.O. Box 700930, San Antonio, TX 78270 Phone: (210) 366-2500, Fax: (210) 366-2407 gil@mhi-tx.com www.mhi-tx.com

McGowan & Company Inc.

20595 Lorain Rd., Fairview Park, OH 44126 Phone: (440) 333-6300, Fax: (440) 333-3214 syoung@mcgowaninsurance.com www.mcgowaninsurance.com

McGraw Insurance Services 3601 Haven Ave., Menlo Park, CA 94025 Phone: (800) 828-3003, Fax: (714) 998-7659 jkenny@mcgrawgroup.com www.mcgrawgroup.com

www.insurancejournal.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N87

18TH ANNUAL PROGRAM DIRECTORY VOLUME I – ALPHABETICAL DIRECTORY OF MARKETS McLeckie Insurance Group P.O. Box 770, Naples, TX 75568 Phone: (903) 897-9090, Fax: (903) 897-0062 mcleckie@msn.com www.mcleckie.com

Metcom Excess P.O. Box 90, Ridgefield Park, NJ 07660 Phone: (800) 521-1717, Fax: (201) 641-6566 submissions@metcomexcess.com www.metcomexcess.com

Metro Insurance Services Inc. 100 Morris Ave., Springfield, NJ 07081 Phone: (973) 467-4467, Fax: (973) 467-4468 sgross@metroins.com www.metroins.com

MIC Insurance Brokerage 552 S Washington, Ste. 200, Naperville, IL 60540 Phone: (888) 293-5001, Fax: (630) 428-4072 bsnow@micib.com www.micib.com

MiniCo Insurance 2531 W Dunlap Ave., Phoenix, AZ 85021 Phone: (800) 447-8383, Fax: (602) 861-1094 customercare@minico.com www.minicoinsurance.com

Monarch E&S Insurance Services

2540 Foothill Blvd., Ste. 101, La Crescenta, CA 91214 Phone: (818) 249-0100, Fax: (818) 249-1166 monarchxs@monarchexcess.com www.monarchexcess.com

Monitor Liability Managers LLC 2850 W Golf Rd., Ste. 800, Rolling Meadows, IL 60008 Phone: (800) 446-2100, Fax: (847) 806-6282 info@monitorliability.com www.monitorliability.com

Motel Insurance Brokers Inc. 719 Rodel Cove, Ste. 1031, Lake Mary, FL 32746 Phone: (866) 387-8883, Fax: (800) 466-5074 info@motelinsurancebrokers.com www.motelinsurancebrokers.com

N-Surance Outlets Inc. (Florida) 520 E Tarpon Ave., Tarpon Springs, FL 34689 Phone: (727) 942-6780, Fax: (727) 937-0505 aforenza@nsoins.com www.nsoins.com

N-Surance Outlets Inc. (Georgia) P.O. Box 2600, Roswell, GA 30077 Phone: (800) 366-1450, Fax: (770) 971-7608 gmurrey@nsoins.com www.nsoins.com

NAS Insurance Services Inc.

16501 Ventura Blvd., Ste. 200, Encino, CA 91436 Phone: (818) 382-2030, Fax: (818) 382-2040 general@nasinsurance.com www.nasinsurance.com

National Advantage Insurance Services Inc. P.O. Box 1065, Tustin, CA 92781 Phone: (714) 505-1015, Fax: (714) 505-1025 clifford@naisins.com www.naisins.com

National Hole-In-One Association 1840 N Greenville Ave., Ste. 178, Richardson, TX 75081 Phone: (800) 527-6944, Fax: (972) 808-9012 hio@hio.com www.hio.com

National Indemnity Company

3024 Harney St., Omaha, NE 68131 Phone: (402) 916-3000, Fax: (402) 916-3030 jpgiandinoto@nationalindemnity.com www.nationalindemnity.com

National Insurance Professionals Corp.(RPS NIPC, Poulsbo) P.O. Box 834, Poulsbo, WA 98370 Phone: (800) 275-6472, Fax: (360) 697-3611 kathy_schufreider@rpsins.com www.rpsins.com/nipc

National Interstate Insurance Company- CMT 4999 Louise Dr., Mechanicsburg, PA 17055 Phone: (800) 931-7080, Fax: (717) 766-7081 CMT@NATL.com www.natl.com/products/commercial/cmt/default.asp

National Specialty Underwriters Inc. 10900 NE 4th St., Ste 1100, Bellevue, WA 98004 Phone: (425) 450-1090, Fax: (425) 450-1026 info@nsui.com www.NSUI.com

NSM Insurance Group 555 North Lane, Ste. 6060, Conshohocken, PA 19428 Phone: (610) 941-9877, Fax: (610) 941-09889 ttdhami@nsminc.com www.nsminc.com

O’Donovan & Associates Inc. 8321 Cherry Ln., Laurel, MD 20707 Phone: (301) 953-0051, Fax: (301) 206-2136 jeremiah@odonovanassoc.net www.loggingins.com

OnPoint Underwriting 2002 Summit Blvd., Ste. 900, Atlanta, GA 30319 Phone: (678) 651-2200, Fax: (678) 651-2290 rbeck@onpointunderwriting.com www.OnPointUnderwriting.com

NCIS - A member of Texans Insurance Group

Pacific Coast E&S Insurance Services (Santa Rosa)

5050 Quorum Dr., Ste. 500, Dallas, TX 75254 Phone: (800) 707-6677, Fax: (972) 367-0008 LContreras@texansinsurance.com www.scaffoldinginsurance.net

2235 Mercury Way, Ste. 110, Santa Rosa, CA 95407 Phone: (800) 772-8538, Fax: (707) 573-9761 info@pacificcoastes.com www.pacificcoastes.com

Negley Associates

Pacific Specialty Insurance Company

388 Pompton Ave., Cedar Grove, NJ 07009 Phone: (973) 239-9107, Fax: (973) 239-6241 info@jjnegley.com www.jjnegley.com

NeitClem Wholesale Insurance Brokerage Inc. 7442 N Figueroa St., Los Angeles, CA 90041 Phone: (323) 258-2600, Fax: (323) 258-2676 jcenteno@neitclem.com www.neitclem.com

NIF Group Inc. 30 Park Ave., Manhasset, NY 11030 Phone: (516) 365-7440, Fax: (516) 365-7392 marketing@nifgroup.com www.nifgroup.com

NIP Group LLC

3601 Haven Ave., Menlo Park, CA 94025 Phone: (800) 828-3003, Fax: (650) 780-4848 jkenny@mcgrawgroup.com www.psic-onespot.com

PartnerOne Environmental P.O. Box 1532, Charlottesville, VA 22902 Phone: (800) 596-2156, Fax: (434) 979-8964 info@b-h-a.com www.b-h-a.com/partnerOne.shtml

Patriot National Underwriters Inc. P.O. Box 803143, Dallas, TX 75380 Phone: (972) 239-1458, Fax: (972) 233-3487 corky.ellis@patriotnational.com www.patriotnational.com

Paul Hanson Partners Specialty Insurance Solutions/Mover’s Choice Program

900 Route 9 N, Ste. 503, Woodbridge, NJ 07095 Phone: (800) 446-7647, Fax: (732) 634-2904 nipinfo@nipgroup.com www.nipgroup.com

P.O. BOX 5990, Napa, CA 94581 Phone: (800) 852-1968, Fax: (707) 252-5905 coryt@paulhanson.com www.paulhanson.com

Nonprofits’ Insurance Alliance of Calif.

PGI Commercial LLC

P.O. Box 8507, Santa Cruz, CA 95061 Phone: (800) 359-6422, Fax: (831) 459-0853 sbradshaw@niac.org www.niac.org

65 Madison Ave., Morristown, NJ 07960 Phone: (973) 631-7575, Fax: (973) 631-7576 rtrezza@pgicommercial.com www.pgicommercial.com

Norman-Spencer Agency Inc. 8075 Washington Village Dr., Dayton, OH 45458 Phone: (800) 543-3248, Fax: (937) 432-1635 briannorman@norman-spencer.com www.norman-spencer.com

Norman-Spencer Agency Inc. (CA) 5414 Oberlin Dr., Ste. 2100, San Diego, CA 92121 Phone: (800) 477-9192, Fax: (858) 314-1334 michaelryder@norman-spencer.com www.norman-spencer.com

Norman-Spencer International Inc. 150 E 22nd St., Lombard, IL 60148 Phone: (630) 705-4140, Fax: (630) 705-1056 gretchen@normanspencer.com www.normanspencer.com

Philadelphia Insurance Companies One Bala Plaza, Bala Cynwyd, PA 19004 Phone: (800) 873-4552, Fax: (610) 617-7940 phlysales@phlyins.com www.phly.com

Ponce de Leon LTC RRG Inc. 500 Northridge Rd., Ste. 330, Atlanta, GA 30350 Phone: (678) 781-2435, Fax: (678) 781-2450 nwoodclater@poncedeleon.com www.poncedeleonrrg.com

Northern Ohio E & S Agency Inc. 5800 Monroe St., Bldg A, Sylvania, OH 43560 Phone: (419) 885-2400, Fax: (419) 885-7285 dave.mangold@ohioeands.com www.ohioeands.com

Northern States Agency 2145 Ford Pkwy, Ste. 202, St. Paul, MN 55116 Phone: (800) 328-0828, Fax: (651) 646-1971 info@nsa-mga.com www.nsa-mga.com

N88 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Preferred Property Programs

960 Holmdel Rd., Bldg 1, Holmdel, NJ 07733 Phone: (888) 548-2465, Fax: (732) 946-0547 khager@ppp-quotes.com www.ppp-quotes.com www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS Prime Insurance

PULIC Insurance Services Inc.

RLI Transportation

P.O. Box 4439, Sandy, UT 84091 Phone: (800) 257-5590, Fax: (877) 452-6910 RJL@primeis.com www.primeis.com

1888 Century Park E, Ste. 850, Los Angeles, CA 90067 Phone: (800) 537-7362, Fax: (866) 344-6029 info@pulic.com www.pulic.com

2970 Clairmont Rd. NE, Ste. 1000, Atlanta, GA 30329 Phone: (404) 443-1005, Fax: (309) 589-3503 david_williams@rlicorp.com www.rlitransportation.com/

Prince Associates

Quadrant Insurance Managers

Rockwood Programs Inc.

183 Broadway, Hicksville, NY 11801 Phone: (516) 822-6550, Fax: (516) 822-6564 info@princeins.com www.animalshelterinsurance.com

470 Olde Worthington Rd., Suite 200, Columbus, OH 43082 Phone: (614) 841-1425, Fax: (614) 841-1426 info@quadrant-us.com www.quadrant-us.com

4001 Miller Rd., Wilmington, DE 19802 Phone: (800) 558-8808, Fax: (302) 764-5477 darryl.mccallin@rockwoodinsurance.com www.rockwoodinsurance.com

Priority Insurance Underwriters

Quaker Special Risk (Florida)

Ron Rothert Insurance

2200 E Camelback Rd., Ste. 250, Phoenix, AZ 85016 Phone: (602) 952-9688, Fax: (602) 954-9624 kbernier-smith@maipiu.com www.piuinsurance.com

224 Datura St., Ste. 715, W. Palm Beach, FL 33401 Phone: (866) 526-1545, Fax: (561) 833-6616 fwalsh@qsr-insurance.com www.qsr-insurance.com

P.O. Box 13099, Portland, OR 97213 Phone: (503) 252-5454, Fax: (503) 252-4048 general@ronrothert.com www.ronrothert.com

Professional Liability Insurance Svcs Inc. Underwriting Facilities

Quaker Special Risk (Georgia)

Roush Insurance Services Inc.

6290 Abbotts Bridge Rd., Ste. 302, Duluth, GA 30097 Phone: (770) 623-0290, Fax: (732) 292-7391 jterrell@qsr-insurance.com www.qsr-insurance.com

P.O. Box 1060, Noblesville, IN 46061 Phone: (800) 752-8402, Fax: (317) 776-6891 info@roushins.com www.roushins.com

Quaker Special Risk (Mass.)

RPS-Leicht General Agency

51 Harvard St., Worcester, MA 01609 Phone: (800) 252-8679, Fax: (508) 753-0646 kbranscombe@quakerma.com www.quakerma.com

1155 Dairy Ashford, Ste. 850, Houston, TX 77079 Phone: (281) 496-1100, Fax: (281) 496-7894 Marshall_Leicht@rpsins.com www.leichtgeneral.com

Quaker Special Risk (New Jersey)

RSI International Inc. (Missouri)

5802 Thunderbird, Bldg 10, Ste. 100, Lago Vista, TX 78645 Phone: (800) 761-7547, Fax: (512) 327-5834 underwriting@plisinc.com www.plisinc.com

Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Novato, CA 94949 Phone: (415) 475-4300, Fax: (415) 475-4303 jennifer@medispa-ins.com www.tattoo-ins.com or www.medispa-ins.com

Professional Underwriters 704 Haywood Dr., Exton, PA 19341 Phone: (888) 855-4782, Fax: (610) 458-1050 info@professionalunderwriters.com www.professionalunderwriters.com

Professional Underwriters Community Works Insurance Program 704 Haywood Dr., Exton, PA 19341 Phone: (888) 855-4782, Fax: (610) 458-1050 info@professionalunderwriters.com www.communityworksinsurance.com

Professional Underwriters Textbook Insurance Program 704 Haywood Dr., Exton, PA 19341 Phone: (888) 855-4782, Fax: (610) 458-1050 info@professionalunderwriters.com www.textbookinsurance.com

Professional Underwriters Agency Inc. 2803 Butterfield Rd., Ste. 260, Oakbrook, IL 60523 Phone: (630) 572-0600, Fax: (630) 572-0615 Sandip@puainc.com www.puainc.com

Professional Underwriters Liability Insurance Company 1888 Century Park E, Ste. 850, Los Angeles, CA 90067 Phone: (800) 537-7362, Fax: (866) 344-6029 info@pulic.com www.pulic.com

ProHost USA Inc. 4500 Park Glen Rd., Ste. 410, Minneapolis, MN 55416 Phone: (952) 924-6973, Fax: (952) 922-5423 hstrommen@prohostusa.com www.prohostusa.com

ProSurance Group Inc. 2685 Marine Way, Ste. 1408, Mountain View, CA 94043 Phone: (650) 428-0818, Fax: (650) 428-0860 financialservices@prosurancegroup.com www.prosurancegroup.com

Public Risk Insurance Made Easy - PRIME P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7044 inquiries@primeprogram.com www.primeprogram.com

www.insurancejournal.com

P.O. Box 1350, Eatontown, NJ 07724 Phone: (800) 447-4180, Fax: (732) 223-9072 fwalsh@qsr-insurance.com www.quakerspecialrisk.com

Quaker Special Risk (New York) 226 5th Ave., 4th Fl, New York, NY 10001 Phone: (800) 253-5233, Fax: (212) 244-5371 quaker@qsr-insurance.com www.quakerspecialrisk.com

R.V. Nuccio & Associates Inc. 10148 Riverside Dr., Toluca Lake, CA 91602 Phone: (818) 980-1413, Fax: (818) 980-1595 rvna@rvnuccio.com rvnuccio.com

RA&MCO Insurance Services 2300 Clayton Rd., Ste. 1100, Concord, CA 94520 Phone: (800) 684-7475, Fax: (925) 685-1750 info@ramco-ins.com www.ramco-ins.com

RCA Insurance Group 2056 Vista Pkwy, Ste. 280, West Palm Beach, FL 33411 Phone: (800) 801-0282, Fax: (561) 687-3490 scook@rca-insurance.com www.rca-insurance.com

RISCO Inc. 60 Catamore Blvd., East Providence, RI 02914 Phone: (800) 533-3649, Fax: (401) 438-0980 cfinnegan@risco-inc.com www.risco-inc.com

Risk Placement Services Inc. 14785 Preston Rd., Ste. 665, Dallas, TX 75254 Phone: (972) 774-0110, Fax: (972) 341-8250 malcolm_coffee@rpsins.com www.rpsins.com

Risk Transfer Programs LLC 219 E Livingston St., Orlando, FL 32801 Phone: (407) 481-9363, Fax: (407) 481-9969 rkirsch@risktransferprograms.com www.risktransferprograms.com

RLI Specialty Programs 525 W Van Buren St., Chicago, IL 60607 Phone: (312) 360-1566x1261, Fax: (312) 360-1565 David.Ashcraft@rlicorp.com www.rlicorp.com

333 Ozark Trail Dr., Ellisville, MO 63011 Phone: (636) 391-4841, Fax: (636) 391-2115 djwalter@rsimo.com www.rsimo.com

Rural Special Districts Insurance Services 10100 Trinity Pkwy., Ste. 110, Stockton, CA 95267 Phone: (888) 477-3007, Fax: (888) 477-7005 inquiries@rsdis.com www.rsdis.com

Russell Bond & Company Inc. 295 Main St., Ste. 866, Buffalo, NY 14203 Phone: (800) 333-7226, Fax: (800) 677-6779 info@russellbond.com www.russellbond.com

S.H. Smith & Company Inc. (Hartford) 20 Church St., Ste. 1500, Hartford, CT 06103 Phone: (860) 561-3600, Fax: (860) 561-3606 Scott_Smith@shsmith.com www.shsmith.com

SASSI - Salon & Spa Specialty Insurance 21 Maple Ave., Bay Shore, NY 11706 Phone: (888) 823-9380, Fax: (631) 666-7646 info@brownyard.com www.sassiagency.com

SeaBright Insurance Company 1501 4th Ave., Ste. 2600, Seattle, WA 98101 Phone: (206) 269-8500, Fax: (206) 269-8903 dean.rappleye@sbic.com www.sbic.com

Smith, Bell & Thompson 40 Main St., Ste. 500, Burlington, VT 05401 Phone: (802) 658-4600, Fax: (802) 658-6191 info@sbtinsurance.com www.sbtinsurance.com

South Texas General Insurance Agency 363 N Sam Houston Pkwy E, Ste. 1000, Houston, TX 77060 Phone: (281) 820-0555, Fax: (281) 820-0688 floring@stgia.com www.stgia.com

Southwest Energy Underwriters Inc. 10707 Corporate Dr., Ste. 112, Stafford, TX 77477 Phone: (281) 313-2202, Fax: (281) 313-0215 kwendler@sweu.net www.sweu.net

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N89

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS Southwest Risk 8144 Walnut Hill Ln., Ste. 1010, Dallas, TX 75231 Phone: (214) 206-4900, Fax: (214) 206-4901 info@swrisk.com www.swrisk.com

Sowers Baccala Insurance Brokerage 1025 Prospect St., Ste. 310, La Jolla, CA 92037 Phone: (858) 551-7722, Fax: (858) 551-7975 tsowers@sbib.com www.sbib.com

Special Markets Insurance Consultants Inc. 16005 4th Street East, St. Petersburg Florida, FL 33708 Phone: (727) 397-0825, Fax: (727) 397-0836 joanna@specialmarkets.com www.specialmarkets.com

Specialty Insurance 1610 Route 88 Ste. 102, Brick, NJ 08724 Phone: (732) 701-8900, Fax: (732) 458-3728 mwatters@specialtyagency.com www.specialtyagency.com

Specialty Programs and Facilities Managers Inc. (AmWINS) 790 E Colorado Blvd., Ste. 510, Pasadena, CA 91101 Phone: (626) 395-0850, Fax: (626) 395-0853 kathleen.turknette@amwins.com www.specialtyprograms.net

Sterling Underwriters 118 W Kinzie, 3rd Fl, Chicago, IL 60654 Phone: (312) 755-0099, Fax: (312) 755-1056 SMcCann@SterlingUnderwriters.com www.SterlingUnderwriters.com

Sullivan Brokers Wholesale Insurance Solutions

10089 Willow Creek Rd., Ste. 100, San Diego, CA 92131 Phone: (858) 586-0828, Fax: (858) 586-0262 brantinghamk@sullivanbrokersins.com www.sullivanbrokersins.com

Summit America Insurance Services L.C. 7400 College Blvd., Ste. 100, Overland Park, KS 66210 Phone: (800) 955-1991, Fax: (913) 327-0201 mail@summitamerica-ins.com www.summitamerica-ins.com

Sunderland Insurance Services Inc. 3021 Citrus Cir., Ste. 220, Walnut Creek, CA 94598 Phone: (925) 942-4020, Fax: (925) 942-4021 casualty@sunderlandins.com www.sunderlandins.com

Superior Access Insurance Services 5 Oldfield, Irvine, CA 92618 Phone: (800) 272-7550, Fax: (888) 272-7550 marketing@superioraccess.com www.superioraccess.com

SWBC 9311 San Pedro, Ste. 550, San Antonio, TX 78216 Phone: (210) 525-1242, Fax: (210) 525-0054 swbcinfo@swbc.com www.swbc.com

TAPCO Underwriters Inc.

Topa Insurance Company

3060 S Church St., Burlington, NC 27216 Phone: (800) 334-5579, Fax: (336) 584-8880 Jhenderson@GoTAPCO.com www.GoTAPCO.com

1800 Avenue of the Stars, 12th Fl, Los Angeles, CA 90067 Phone: (800) 949-6505, Fax: (310) 843-9409 gheatherington@topa-ins.com www.topains.com

Target Insurance Services

Trafalgar Marine Insurance Services Inc.

35 Tower Ln., Avon, CT 06001 Phone: (888) 888-1613, Fax: (860) 284-1113 info@target-capital.com www.target-capital.com

18111 Von Karman Ave., Ste. 460, Irvine, CA 92612 Phone: (800) 221-3884, Fax: (949) 955-7111 info@trafalgarinsurance.com www.trafalgarinsurance.com

Target Marketing Insurance Services Inc.

Trans Cal Associates

1925 Village Center Cir., Ste. 150, Las Vegas, NV 89134 Phone: (702) 588-5300, Fax: (702) 588-5310 mkiger@tmi-group.com www.tmi-group.com

TCA Inc.

Transpac Managers Inc.

8945 Bay View Ct., Gainesville, GA 30506 Phone: (770) 205-2958, Fax: (770) 205-2360 chp@bellsouth.net www.tca-insurance.com

8144 Walnut Hill Ln., Ste. 1195, Dallas, TX 75231 Phone: (214) 346-1512, Fax: (214) 346-1533 cwebb@transpacmgrs.com www.transpacmgrs.com

Terheggen/Malone Marine Insurance

Trinity E&S Insurance Services Inc.

P.O. Box 90249, Long Beach, CA 90809 Phone: (562) 916-7776, Fax: (562) 916-7750 tm@mlinsurance.com www.mlinsurance.com

79-301 Country Club Dr., Ste. 200 Bermuda Dunes, CA 92203 Phone: (760) 360-4100, Fax: (760) 360-0055 mstith@trinityinsurance.com www.trinityinsurance.com

Texans Insurance Group 5050 Quorum Dr., Ste. 500, Dallas, TX 75254 Phone: (800) 707-6677, Fax: (972) 991-6679 Sales@texansinsurance.com www.texansinsurance.com

The American Equity Underwriters Inc.

Tangram Insurance Services 140 2nd St., Ste. 320, Petaluma, CA 94952 Phone: (800) 676-2213x100, Fax: (707) 781-7351 rbinford@tangramins.com www.tangramins.com

555 Marriott Dr., Nashville, TN 37214 Phone: (800) 851-6501, Fax: (615) 872-0201 mike@usrisk.com www.usrisk.com

U.S. Risk Insurance Group Inc.

The Distinguished Programs Group

U.S. Specialty Insurance

6 East 43rd St., New York, NY 10017 Phone: (212) 297-3100, Fax: (212) 297-3130 jteroriero@distinguished.com www.distinguished.com

The INSCO/DICO Group 2999 Oak Rd., Ste. 420, Walnut Creek, CA 94597 Phone: (925) 295-3190, Fax: (925) 295-3199 GPribyl@inscodico.com www.inscodico.com

The Insurancenter

10210 N Central Expy, Ste. 500, Dallas, TX 75231 Phone: (800) 232-5830, Fax: (214) 265-4976 julieb@usrisk.com www.usrisk.com 13403 Northwest Fwy, Houston, TX 77040 Phone: (800) 323-7381, Fax: (713) 996-1225 ryoung@ussic.com www.ussic.com

U.S. Specialty Insurance Company (Texas Non-Subscription) 13403 Northwest Fwy, Houston, TX 77040 Phone: (713) 996-1174, Fax: (713) 744-9663 ussicpei@ussic.com www.ussic.com

2901 Arizona Ave., Joplin, MO 64802 Phone: (800) 444-8675, Fax: (417) 623-0902 cwspecialist@carwashinsurance.com www.theinsurancenter.com

The Managing Agency Group 185 Asylum St 25th Floor, Hartford, CT 06103 Phone: (860) 756-7367, Fax: (860) 520-1145 robin.pisecki@magprograms.com www.magprograms.com

UCA General Insurance

6363 Katella Ave., Cypress, CA 90630 Phone: (714) 228-7888, Fax: (714) 228-7855 bcolburn@ucageneral.com www.ucageneral.com

Unifax Insurance Systems Inc.

See website for addresses Headquarters - Atlanta, GA 30327 Phone: (404) 240-5200, Fax: (404) 240-5393 info@swett.com www.swett.com 10451 Gulf Blvd., Treasure Island, FL 33706 Phone: (800) 237-3355, Fax: (727) 360-3498 marketing@theinsco.com www.theinsco.com

U.S. Risk Financial Services

RSA Battle House Tower, 32nd Fl 11 N Water St., Mobile, AL 36602 Phone: (866) 238-8754, Fax: (251) 690-4299 info@amequity.com www.amequity.com

Swett & Crawford

T.H.E. Insurance Company

3800 Watt Ave., Ste. 110, Sacramento, CA 95821 Phone: (916) 487-2200, Fax: (916) 487-2426 fred@transcal.com www.transcal.com

23251 Mulholland Dr., Woodland Hills, CA 91364 Phone: (800) 669-9800, Fax: (818) 591-9856 info@crusaderinsurance.com www.crusaderinsurance.com

The Mechanic Group Inc.

One Blue Hill Plaza, Ste. 530, Pearl River, NY 10965 Phone: (845) 735-0700, Fax: (845) 735-8383 mkatz@mechanicgroup.com www.mechanicgroup.com

THOMCO

P.O. Box 440549, Kennesaw, GA 30160 Phone: (800) 476-4940, Fax: (678) 290-2200 rpscaglione@thomcoins.com www.thomcoins.com N90 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

Universal Insurance Facilities Ltd.

3300 N Central Ave., Ste.1520, Phoenix, AZ 85012 Phone: (800) 844-2101, Fax: (602) 222-3021 info@univins.com www.universalinsuranceltd.com

USAssure Insurance Services Inc. 5011 Gate Pkwy, Ste. 150, Jacksonville, FL 32256 Phone: (800) 713-1158, Fax: (904) 224-7903 Jenny.Roberts@USAssure.com www.USAssure.com www.insurancejournal.com

18TH ANNUAL PROGRAM DIRECTORY VOLUME I â&#x20AC;&#x201C; ALPHABETICAL DIRECTORY OF MARKETS USG Insurance Services Inc.

Western Experts in Transportation

Woodus K. Humphrey & Company (AmWINS)

1000 Town Center Wy, Ste. 300, Canonsburg, PA 15317 Phone: (800) 886-3897, Fax: (724) 265-5751 ktaylor@usgins.com www.usgins.com

P.O. Box 1835, Kingston, WA 98346 Phone: (800) 843-2430, Fax: (360) 297-4882 amyfergie@aol.com westerndwf.com

7600 Fern Ave., Bldg 500, Shreveport, LA 71105 Phone: (318) 865-2454, Fax: (318) 861-6937 dick.chilvers@amwins.com www.amwins.com/woodus

USX/S

Western Maritime

4226 Coronado Ave., Stockton, CA 95204 Phone: (209) 466-1413, Fax: (209) 466-0260 kelly@mymatchstick.com www.westmaritime.com

World Wide Specialty Programs Inc.

6929 W 130th St., Ste. 100, Cleveland, OH 44130 Phone: (800) 574-8797, Fax: (440) 888-7380 brokers@usxs.net www.USXS.net

Van Wagoner Companies Inc.

Western Security Surplus Insurance Brokers Inc.

Worldwide Facilities Inc.

1134 Commerce Dr., Richardson, TX 75081 Phone: (972) 331-6566, Fax: (972) 331-6599 rhonda@vwins.com www.vwcos.com

68 S Service Rd., Ste. 235, Melville, NY 11747 Phone: (800) 245-9653, Fax: (631) 390-0922 dtaylor@wwspi.com www.wwspi.com

725 S Figueroa St., 19th Fl, Los Angeles, CA 90017 Phone: (213) 236-4500, Fax: (213) 244-9655 info@wwfi.com www.wwfi.com

790 E Green St., Pasadena, CA 91101 Phone: (626) 584-0110, Fax: (626) 584-0144 rklimek@wssib.com www.wssib.com

Worldwide Facilities Inc. of Georgia

Western Surplus Lines Agency Inc.

Venture Insurance Programs

1301 Wrights Lane East, West Chester, PA 19380 Phone: (800) 282-6247ext258, Fax: (610) 692-5977 marketing@ventureprograms.com www.ventureprograms.com

VFIS P.O. Box 2726, York, PA 17405 Phone: (800) 233-1957, Fax: (717) 747-7030 inquiries@vfis.com www.vfis.com

Victor O. Schinnerer & Company Two Wisconsin Cir., Chevy Chase, MD 20815 Phone: (301) 961-9800, Fax: (301) 951-5444 vos.info@schinnerer.com www.schinnerer.com

Vulcan Excess & Surplus Insurance 325 W Hospitality Ln., Ste. 202, San Bernardino, CA 92408 Phone: (909) 379-1020, Fax: (909) 379-1036 brad@vulcaninsurance.com www.vulcaninsurance.com

W.A.Schickedanz Agency Inc. 300 W Main St., Belleville, IL 62220 Phone: (618) 233-0644, Fax: (618) 233-0672 sales@waschickedanz.com www.waschickedanz.com

W.C. Mills Insurance Inc. The Truck Underwriting Specialists

P.O Box 6609, Abilene, TX 79608 Phone: (800) 592-4408, Fax: (325) 695-0371 fpeck@westernsurplus.com, croeder@westernsruplus.com www.westernsurplus.com

12600 Deerfield Pkwy., Ste. 100, Alpharetta, GA 30004 Phone: (678) 566-3730, Fax: (678) 566-3733 ameier@wwfi.com www.wwfi.com

Worldwide Facilities Inc. of Phoenix 7740 N 16th St., Ste. 205, Phoenix, AZ 85020 Phone: (602) 482-5639, Fax: (602) 482-3240 llokerse@wwfi.com www.wwfi.com

Westrope

801 W 47th St., Ste. 500, Kansas City, MO 64112 Phone: (816) 842-8222, Fax: (816) 842-3081 info@westrope.com www.westrope.com

Worldwide Facilities Inc. of San Francisco

Westrope Insurance Managers of Florida LLC 510 Vonderburg Dr., Ste. 214, Brandon, FL 33511 Phone: (813) 315-3020, Fax: (813) 315-3039 agoldfarb@westrope.com www.westrope.com

50 California St., Ste. 1500, San Francisco, CA 94111 Phone: (415) 439-5315, Fax: (415) 723-7787 info@wwfi.com www.wwfi.com

Worldwide Facilities Inc. of Washington 601 Union St., Ste. 1630, Seattle, WA 98101 Phone: (206) 749-9151, Fax: (206) 749-9152 m_stutsman@wwfisea.com www.wwfi.com

WFT Inc. 100 N Tryon St., Ste. 2650, Charlotte, NC 28202 Phone: (704) 344-8880, Fax: (704) 347-8882 pfleming@wftinc.com www.wftinc.com

Wrap Up Insurance Solutions 16141 Swingley Ridge Rd., Chesterfield, MO 63017 Phone: (636) 489-0185, Fax: (636) 536-7473 bbillhartz@trekadmin.com www.trekadmin.com

Wildlife Insurance Underwriters LLC 214 Key Dr., Ste. 2000, Madison, MS 39110 Phone: (866) 386-4136, Fax: (601) 510-9119 cs@insurewildlife.com www.insurewildlife.com

Yates & Associates Insurance Services

Willis HRH Programs 1 New Hampshire Ave., Ste. 200, Portsmouth, NH 03801 Phone: (603) 334-3000, Fax: (603) 334-3090 willisnhprograms@willis.com www.willishrhprograms.com

P.O. Box 25133, Santa Ana, CA 92799 Phone: (800) 660-1125, Fax: (800) 378-8588 jyates@yates-assoc.com www.yates-assoc.com

P.O. Box 1393, Riverton, UT 84065 Phone: (801) 302-8100, Fax: (801) 302-8400 bill@wcmillsins.com www.wcmillsins.com

Western E&O 2155 Louisiana Blvd. NE, Ste. 10100 Albuquerque, NM 87110 Phone: (505) 837-2727, Fax: (505) 837-2828 info@westerneando.com www.westerneando.com

www.insurancejournal.com

Winery Pak Insurance Programs 1350 Treat Blvd., Ste. 300, Walnut Creek, CA 94597 Phone: (888) 386-5701, Fax: (973) 359-0133 larryc@winerypak.com www.winerypak.com

June 1, 2009 INSURANCE JOURNAL-NATIONAL REGION | N91

06.01.09 NATIONAL (1-20).qxd

5/27/09

10:42 AM

Page 92

Idea Exchange Closing Quote

Quality and Protectionism in the Insurance Market Why Market Blocking Is Not Best for the Consumer or the Ind ustry Simmonds

By Scott Simmonds

T

he insurance business needs to lose a vestige of the insurance marketplace of the last century. Let’s become more friendly to competition and the free market.

For my 30 years in the insurance business, insurers have engaged in a market practice that is anti-competitive, restrictive to the free insurance market, and just plain wrong.

From the insurance buyer’s perspective, the practice is called “market blocking.” It is the tradition that an insurer will only provide a proposal to a single agent — blocking all other agents from accessing that market for that insurance buyer.

For as long as anyone I know can remember, property and casualty insurance companies have only provided proposals of insurance to a single agent for a particular insurance buyer.

If Brown Company wants a quote from Insurance Agent A and Insurance Agent B, Peerless Insurance will only provide a quote to the first agent with applications. The same is true of Hanover, Acadia, MEMIC, OneBeacon, Hartford, Travelers, Chubb, AIG, Philadelphia Insurance, Maine Mutual, and every other insurer I can think of.

Agent A and Agent B will not be able to deliver a business insurance proposal from the same insurer.

For many agents and insurance buyers this means that there is little real choice, as different insurers have different appetites.

In some cases, agents game the system by firing off applications to insurers for no other reason than to k eep other agents from participating in a bid. This pra ctice of blocking limits competition and therefore has a negative impact on the marketplace. Restricting the ability of agents to compete for business leads to higher prices for insurance b uyers.

This is clearly anti-competitive and allows certain insurance agents and brokers to control the marketplace without value to the insurance buyer. It is certainly true that the insurance buyer can assign the insurer to another ag ent. Two agents can’t quote the same insurer though.

Imagine the price of any product without competition. Let’s open up the marketplace.

I am not advocating regulation. I abhor government inter-

N92 | INSURANCE JOURNAL-NATIONAL REGION June 1, 2009

vention in the marketplace and I am a consistent and v ocal opponent of rules and laws imposed on any industry. In my experience regulation is usually couched in terms of protecting consumers when in reality the protection provided is for the industry itself or for protecting regulator jobs. Regulations almost always restrict competition in some way and that is against the ‘Market blocking’ interests of consumers. Further, govis clearly antiernment intervention always limits competitive and freedoms. allows certain I am asking insurers to end the anachronistic practice of market insurance agents blocking and allow multiple agents and brokers to to present quotes for a single insurcontrol the marketance buyer. Allow the buyer to see the quality and professionalism of the place without value agent through open competition. to the insurance

buyer.

Open Competition Not only is open competition good for the insurance buyer, it is healthy for the high quality agent. Fewer restrictions on competition means that more buyers will see the professionalism of the agents they work with.

Insurance companies also benefit. More competition means more good business will come to insurers who will have a better chance of winning exceptional a ccounts.

Further, I call for an end to state anti-rebating la ws.

Allow individual insurance producers to determine the terms of the sale of a policy. If the agent wants to provide a lower premium to an insured by cutting commissions, then why not let them? Does a restaurant set a meal price? Can a lawyer not set her own fees? Let an insurance agent do the same?

I’m sure that many can come up with reasons to retain these market restrictive practices. None of them, I dare say, have anything to do with what is in the best interest of the insurance buyer.

Allow insurance buyers to judge the quality of the agent and the coverage offered. Allow agents to compete freely.

Remove restrictions on competition between agents. Allow quality and not protectionism to rule the insurance mark et. IJ Simmonds, CPCU, ARM, CMC, is an author, solopreneur, capitalist, insurance consultant, and a mentor to insurance people. He w elcomes comments from readers on this commentary. Web site: www.BigInsuranceBrain.com. www.insurancejournal.com

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 123

Classifieds Insurance Journal Texas / South Central • 3570 Camino del Rio North, Ste. 200 • San Diego, CA 92108-1747 Fax: 619/584-1200 • Phone: 800/897-9965 x125 • classifieds@insurancejournal.com For Ad Rate and Information

SOFTWARE

FREE Web-based Insurance Management System Multi-user, management system for reciprocal medical liability insurance providers – www.insurancesoft.com Covering; Underwriting, Risk Management, Accounting and Claims .

For more information visit www.smartstone.com or email info@smartstone.com

SERVICES

Guards • Investigators • Alarms

GL/Professional Umbrella • WC • Crime 1-800-665-7304 www.brownyardprograms.com

INSURE CAREER SUCCESS Be Seen...

Visit our online Job Board www.insurancejournal.com/classifieds

in the Yellow Pages Basic Listings are FREE!

The Insurance Journal’s Yellow Pages website is a national online directory of services, products and solutions for the insurance industry, powered by Insurance Journal. The site is searchable by anyone, without having to register or logon to use it.

Choose from over 90 categories including Agents, Claims, Education, Finance, Legal Services, Marketing, Markets, Reinsurance, Technology and Underwriting Services.

www.insurancejournal.com/yellowpages www.insurancejournal.com

Ad Index National Agency Ideas N35 www.agencyideas.com American Management Corp.

N24 AMIS/Alliance Marketing & Insurance Services N42 Amwins Group, Inc. 13 Anderson & Murison, Inc. N14 www.andersonmurison.com Applied Underwriters 120 www.applieduw.com Astonish Results N11 Braishfield Associates Inc. N36 www.braishfield.com CDS Business Mapping N27 www.riskmeter.com Crump Insurance Services N15 www.crumpins.com Francis L. Dean N73 Great American Insurance Company N20 www.greatamericaneld.com Great American- Specialty Human Services DivisionN64 www.hsd.gaic.com Guarantee Trust Life N33 Insurbanc N30 K&K Insurance Group 2 www.kandkinsurance.com L.A. Xcess 16 Liberty Mutual N3 www.libertymutual.com McGowan & Co, Inc. N5 ww.mcgowaninsurance.com NAS Insurance Services, Inc. N10 www.nasinsurance.com PersonalUmbrella.Com 7 www.personalumbrella.com TAPCO 15 The Doctors Company N45 The Hanover Insurance Group N25 www.hanover.com The Mechanic Group N39 The Sullivan Group N7 www.gjs.com Western Heritage N28 Western Maritime Marine Insurance Services, Inc. N60 www.westmaritime.com Westrope N19 www.westrope.com York Insurance Services Group N6 www.yorkisg.com

South Central Builders & Tradesmen’s Insurance www.btisinc.com Burnett & Company GeoVera Insurance Company M.J. Hall & Company, Inc. www.mjhallandcompany.com National Indemnity Company PSIC - Pacific Specialty Insurance Company www.psic-onespot.com RSI International, Inc. www.rsimga.com Tejas American General Agency www.taga1.com Texas Mutual Insurance Company www.texasmutual.com Universal Insurance Western Security Surplus www.wssib.com

17 22 21 26 25 4, 5

June 1, 2009 INSURANCE JOURNAL-SOUTH CENTRAL REGION | 119

14 19 3 9 23

06.01.09 SOUTH CENTRAL.qxd #150

5/26/09

4:50 PM

Page 124

ROCK-SOLID FINANCIAL STRENGTH SUPERIOR CLAIMS SERVICES UNRIVALED CUSTOMER SUPPORT INNOVATIVE RISK FINANCING UNDERWRITING ONE RISK AT A TIME

WHEN SUCCESS IS MEASURED BY A FRACTION OF A FRACTION.

WE HANDLE CLAIMS WITH THE SAME RESPECT FOR PRECISION. We assign our adjusters half the caseload typically assigned by our competitors. This means we close claims quickly and cost-effectively. In fact, for the last five accident years, our claims closure rates have been 2.5 times faster than the industry average.

Experience our way of doing things. Just one company, one bill and the hardest-working workers’ compensation insurance around.

Standard premium of $200,000+. Most classes. All states.

Call (877) 234-4450 or visit www.auw.com for more information.

©2009 Applied Underwriters, Inc. A Berkshire Hathaway Company. EquityComp patent pending.