Western Networked Insurance Services

1
Western Networked Insurance Services

• Put Networked Insurance Agents Program Team to
  work for you
• John S. Erickson
• Vice President Commercial Programs

2
WNIS Expanding Capabilities

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

3
Directors Officers Liability

• Community Associations
• Publicly Traded Companies
• Health Care Organizations
• Non-Profit Organizations
• Privately Held Companies
• Personal Directors
• Including
• Entity Liability
• Third Party Liability
• Markets for hard to place risks

4
Employment Practices Liability

• Broad range of eligible groups
• Community Associations
• Publicly Traded Companies
• Health Care Organizations
• Non-Profit Organizations
• Professional Firms
• Privately Held Companies
• Including
• Loss prevention tools resources
• Markets for hard to place risks

5
Crime and Fiduciary Liability

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

6
Technology and Internet Errors Omissions
Coverage

• Mono line coverage for small to large commercial
  businesses.
• Consulting and Information Tech firms
• Cyber, Media and Advertising Liability
• Computer Electronic Manufacturers
• Hardware / Software Development
• Web site Design and Hosting
• Internet Service Providers
• Active Server Page Development

7
Miscellaneous Professional

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

8
Architects, Engineers, Land Surveyors Professional

• Design-Build contractors
• Specialty Construction consultants
• Environmental consultants
• Geologists
• Mechanical engineers
• HVAC engineers
• Interior Designers
• Landscape Architects
• Communication Engineers

9
Insurance Agents Professional Liability

• Competitive Program for retail agents
• Group credits available
• Will accept new ventures with experience
• Can write PC and Life agencies
• Coverage options includes defense outside limits
• Admitted and non-admitted markets
• Difficult to place accounts can be considered

10
Sexual Misconduct Liability

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

11
Health Care Professional

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

12
Sampling of WNIS Markets

• Beazley USA
• C.N.A
• Lexington
• Lloyds
• Travelers
• Zurich
• Chubb
• Hartford
• Monitor Liability
• Great American
• Firemans Fund

• OneBeacon
• Philadelphia
• AIG
• Crum Forster
• American Safety
• ACE
• Western Heritage
• Century Surety
• CIBA
• Chubb Custom
• C.N.A Schinnerer

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

• Adult Day Care Center
• Alarm Installation
• Amusement Centers/Rides
• Auto Dealers New / Used
• Auto Parts and Supplies
• Auto Repair Shops
• Auto Body and Paint Shops
• Bazaars/Flea Markets
• Bars, Taverns, Restaurants
• Campgrounds
• Caterers
• Clubs - Swimming / Racquet
• Convenience Store/Mini Mart
• Contractors - Residential
• Contractors GCs, Roofing
• Day Care Centers
• Day Camps Sleep In
• Debris Removal

• Demolition Contractors
• Employment Agencies
• Equipment Rental
• Excavating/Grading of Land Contractors
• Garbage, Refuse Collecting
• Gas Stations
• Hunting Clubs
• Landscaping
• Motorcycle Dealers Repair
• Pest Control Service
• Recycling Collection Centers
• Special Events Coverage
• Tire Dealers
• Truck / RV Dealers Repair
• Security and Patrol Agencies
• Vacant Buildings Land
• Welders

14
Large Account Capabilities

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

15
Risk Retention Group

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

16
Environmental Liability

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

17
DIC Earthquake, Wind/Hail

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

18
Market Segment Programs

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

19
High Value Hard to Place Homeowners

• HO-3
• Brush and unprotected properties
• Primary, secondary, seasonal and rentals
• 1,000 min. prem.
• Earthquake available
• HO-4/6
• Builders Risk, Vacant Dwellings
• Personal Articles Floaters
• Excess Flood
• A rated markets

20
WNIS Placement Specialists

• Professional Liability
• Terri Amick [phone]
• Teri Hulvey [phone]
• John Erickson [phone]
• Surplus Lines
• Cyndi Gabbard [phone]
• David Boge [phone]
• Victoria Edson [phone]
• Email Addresses
• firstname.lastname_at_networkedins.com

21
Western Networked Insurance Services

• When its outside the box, contact WNIS
• info_at_westernnetworkedins.com
• Send applications toCL_Programs_at_networkedins.com