32 NPAs: How do you stay current on new commercial insurance product offerings and services? This edition of Advisen’s New Product Announcements contains details from Admiral; Advisen; Allied World; Aon; Aon Benfield; Catlin Re Switzerland; CFC; Chartis; Everest Specialty; Funk Group and Lockton; Guy Carpenter; InsurCard; Ironshore; Lexington; Liberty International Underwriters; Petersen International; RT Specialty; Starr Indemnity; XL; and Zurich. Send material to editors@advisen.com and note that the next NPA deadline is day 28 of the month.

TOP 10 ADVISEN NEW PRODUCT 2010 PACESETTERSThe Top 10 Advisen New Product Announcement Pacesetters of 2010 are innovators represented by Zurich, Ironshore, Chartis, Marsh, Aon, Willis, Aon Benfield, OneBeacon, Torus, and XL. These results were compiled from the last 12 New Product Announcement columns which feature notices about new products, services and offerings. A total of 112 firms made at least one appearance in Advisen’s monthly New Product Announcement column during 2010. The NPA column gets published monthly in Advisen’s Front Page News and captures notices of new products, services and offerings related to Commercial P&C, so the firms mentioned in NPA encompass insurance companies, brokers and consultants as well as law firms and financial houses. These innovators below – in order – made the most appearances in 2010.1. Zurich 2. Ironshore 3. Chartis / Lexington 4. Marsh 5. (tie) Aon 5. (tie) Willis 7. Aon Benfield 8. OneBeacon 9. Torus 10. XL At the end of this January edition of NPA, read more details about the Top Advisen New Product 2010 Pacesetters as well as a brief discussion about product innovation and a detailed listing of firms making multiple appearances in NPA during 2010.

32 NPAs

Admiral Insurance Company Expands Specialty Energy Program: Admiral announces the introduction of a mono-line, claims-made, professional liability policy for oil and gas consultants on a surplus lines basis.

Admiral Insurance Company, in an exclusive arrangement with Western Surplus Lines Agency, Inc. of Abilene Texas, has further enhanced its oil and gas program through the addition of products and services that meet the unique needs of its client Supplemental coverage to the general liability and inland marine products such as “control of well” for operators, expanded property damage, pollution liability with clean-up coverage and technology professional liability have been identified by Western Surplus and made available for all eligible Admiral accounts. Contact Letha Heaton at 856.426.7791 or lheaton@admiralins.com

Advisen’s Year End Securities Litigation Webinar on Fri Jan 21 at 11am ESTSponsored by Kaufman Dolowich Voluck & Gonzo LLP: Advisen's next webinar to review 2010 Securities Litigation and the D&O market will take place on Friday, January 21 at 11am EST. Join Oakbridge’s Kevin LaCroix, Advisen’s Dave Bradford, KDVG's Kevin Mattessich and a prominent underwriter and broker for a webinar that will address the larger implications for Risk Managers, Brokers and Underwriters. This event is brought to you by Kaufman Dolowich Voluck & Gonzo LLP. Register for this free, one-hour webinar at https://www1.gotomeeting.com/register/191567905

Advisen’s New Merger & Acquisition Announcements: Later this month, Advisen will launch the Advisen NMA column to summarize New Merger & Acquisition announcements related to commercial P&C. NMA will also contain news about “book of business” purchases and related transactions. Send material to editors@advisen.com with NMA in the subject line.

Advisen 2000 Index Lists Brokerages & Agencies: Advisen is assembling the industry’s most complete listing of US Brokerages & Agencies. Our aim is to showcase firms by specialty niche and industry focus. If your firm completes the Advisen 2000 Index profile, your firm will be included in our index. WHY PARTICIPATE in the Advisen 2000 Index?

Raise your firm's profileFind new marketsBe found by new and appetite-changing marketsFind new trading partners such as wholesalers or MGAsGain exposure to possible equity and M&A interests

Our focus is on insured industries served, lines of business and carrier partners. Many of Advisen’s carrier clients are interested in expanding their footprint. We want to help, and we think you’ll benefit, too. The Advisen 2000 Index is open to ALL Commercial

Insurance Brokerages & Agencies in the US. There is no charge to be included in the Index. Request our ADV2000 Index Profile link or make sure that someone at your firm has already received it via http://corner.advisen.com/advisen2000_request.html.

Allied World Reinsurance U.S. Launches Global Marine And Specialty Division: Allied World Re U.S. has launched a global Marine and Specialty Division that will initially offer reinsurance for marine, aviation, satellite and crop reinsurance on a global basis. Allied World Re U.S. has appointed Kevin Marine as Senior Vice President, Head of Global Marine and Specialty. He will be based in New York and report directly to Thomas Kelly, Chief Underwriting Officer for Allied World Re U.S. Kevin has over 20 years of experience in the reinsurance industry. Prior to Allied World Re U.S., he was most recently Senior Vice President, Chief Operating Officer and Chief Underwriting Officer for Platinum Underwriters Reinsurance, Inc. in New York. Contact Faye Cook at 441.278.5406 or faye.cook@awac.com

Aon Launches Public Entity Practice: Aon Risk Solutions has formed a Public Entity practice to address and work to fulfill increased demand among state governments, counties, towns, special districts and public schools for specialized risk advice and services. Industry veteran William F. Becker, who previously managed sales for Aon's Capitol offices, will lead the new practice. "Risks in the municipal sector are unlike those in any other industry, and special attention is required to effectively mitigate threats," said John Willett, national industry practice group leader for Aon Risk Solutions. "In this troubled economy, municipalities see the value of having a dedicated team of risk experts to help manage tremendous exposures, such as those facing police and firefighters, high concentration and unique property portfolios, and risks of injury to the employee base." The Public Entity practice provides specialty brokerage, consulting, risk control, claims services and construction-related products for public entities. Contact Kelly Drinkwine at 312.381.2684 or kelly.drinkwine@aon.com

Aon Benfield Brings Together And Manages New Re/Insurance Consortium For Sudden Oil Spills In U.S. Waters: Guy Carpenter and Willis Re are working alongside Aon Benfield as placement advisors to a new sudden oil spill consortium, which aims to deliver larger liability limit coverage for deepwater drilling in U.S. waters. All energy retail brokers will be able to access the facility, SOSCover, on behalf of their clients. Aon Benfield has agreed to manage the consortium, which expands on the initial concept announced by Munich Re at the 2010 Monte Carlo Rendez-Vous and involves the

re/insurance markets working together to deliver a new product that brings significantly larger limits than have previously been available for U.S. deepwater drilling. Munich Re along with other re/insurers is in the process of committing significant capacity to this new insurance class. The sudden oil spill consortium will work alongside the oil industry to deliver a solution that will help ensure that the product will deliver coverage that is of value, and limits on a per well basis that have not been available before in the marketplace. Contact David Bogg at 0207.522.4016 or david.bogg@aonbenfield.com

Aon Launches Extended Restaurant Brand Protection Policy: Because restaurants can either thrive or perish purely based on their reputation, Aon Risk Solutions has developed an insurance policy that provides a greater level of protection than has previously been available from the insurance market to protect against these risks. Traditional restaurant protection policies provide insurance cover for restaurant franchisors and chains if national, regional or online media report an actual or alleged case of food contamination or tampering. The Aon product, however, provides this traditional protection, as well as offering cover for ‘public health scares’ that may occur. Aon’s Restaurant Contamination Insurance provides cover even in the absence of an alleged or actual contamination or tampering. For example, if an article appears in the media suggesting the ingredients in a chain or franchise’s food are not healthy for consumers and could lead to health problems. The policy is designed to provide financial payments to cover loss of profit or to mount a counter-PR and marketing campaign in such circumstances. Similarly, should any violence, hostage or hijack situation occur at the restaurant involving either staff or customers, Aon’s Restaurant Contamination Insurance can also provide compensation for loss of profits and media relations costs under its exclusive Insured Security Crisis endorsement. The policy also provides pre-incident planning to determine the risks a company faces and develop detailed crisis management plans to ensure companies can swiftly react to incidents and reassure stakeholders of their commitment to rectifying safety standards and minimising consumers’ exposure to contaminated products should a contamination occur. Contact David Skapinker at 0207.505.7478 or david.skapinker@aon.co.uk

Catlin Re Switzerland Receives Approval From Swiss Regulators: Catlin Re Switzerland has received approval from the Swiss Financial Market Supervisory Authority to operate as a reinsurance company. Catlin Re Switzerland will be capitalised with approximately US$1.1 billion. Standard & Poor's Ratings Services said last month that it expects to assign a long-term financial strength rating of ‘A’ to Catlin Re Switzerland as a core subsidiary of the Catlin

Group, subject to capitalisation of the company and receipt of all necessary regulatory approvals. Contact James Burcke at 0207.458.5710 or james.burcke@catlin.com

CFC Brings Insurance For Media Companies Into The Digital Age: Hot on the heels of launching 2.0, the first ever comprehensive policy for social media companies, specialist lines underwriting agent CFC has launched MEDIA – a brand new modular policy designed to cover all the major risks of traditional authors, publishers, broadcasters and media professional service firms. MEDIA is designed to offer media businesses comprehensive protection for the risks they face in their day-to-day operations. It allows brokers to tailor coverage to suit the specific needs of each client and includes: (1) comprehensive media liability including cover for user generated content, (2) defamation including libel and slander, (3) cyber liability, privacy liability and privacy breach notification costs, (4) intellectual property rights infringement, (5) blanket professional liability, (6) employers’ and public liability and (7) property and business interruption, including cyber perils. MEDIA is aimed at a wide range of media companies including broadcasters, content creators, publishers and media professional service companies such as advertising agents, marketing consultants, public relations firms, graphic designers and post-production companies. Contact Isobel Cooley at 0752.521.1473 or isobel@spotlightcomms.co.uk or Lesley Russell at 0781.577.8038 or lesley@spotlightcomms.co.uk

Chartis Expands Passport Service Platform Capabilities For Financial Institutions: Chartis has announced that it has expanded its Passport service platform to include three additional products from its Executive Liability Division that are specifically designed for financial institutions: Investment Management Insurance, Private Equity Professional EdgeSM and Bankers Professional Liability Insurance. Passport allows multinational firms to seamlessly address international exposures through the issuance of locally-compliant policies in foreign jurisdictions through Chartis insurers’ offices worldwide. With these latest additions to the Passport global service platform, the Chartis insurers are offering investment management firms, private equity and venture capital firms, and banks streamlined access to both management and professional liability insurance aligned with local laws, regulations and business practices worldwide. Policies are issued in the foreign jurisdictions where the insured operates through Chartis’ extensive global network. Along with indigenous coverage, policyholders are also provided with secure access to Chartis’ locally based claims and litigation management resources around the world. Contact Marie Ali at 212.458.2536 or marie.ali@chartisinsurance.com

Everest Specialty Underwriters Introduces New Investment Management Liability Product: This product addresses the professional liability exposure and the directors and officers (D&O) liability exposure facing a wide array of asset management firms, including investment advisors, wealth management firms, mutual funds, hedge funds, fund of funds, real estate investment trusts, private real estate funds and private equity partnerships. Designed by ESU’s Financial Institutions Group, a seasoned team of knowledgeable underwriters and claims specialists, this product is the second in a series of new and innovative ESU product introductions. “In today’s complex and volatile environment, it is essential to be prepared for the unexpected and to protect the financial assets of both the firm and its employees,” says Kevin Koehler, Vice President, Everest Specialty Underwriters, LLC. “The investment management liability product was designed with input and feedback from prospective clients, insurance brokers and the legal community. It offers flexibility and coverage options to tackle a wide range of liability exposures such as lawsuits arising from failure to disclose risks or conflicts of interest, failure to perform due diligence and regulatory proceedings. In addition, it is backed by the A+ (Superior) financial strength of the Everest group of insurance companies.” The Investment Management Professional and Management Liability Policy includes a broad definition of investment services including a comprehensive definition of claims. Coverages include: (1) Investment Advisor Professional Liability, (2) Fund Professional Services and Management Liability (Mutual Fund and Private Fund Coverage) and (3) Investment Advisor Management Liability. Contact Kevin Koehler at 646.746.2718 or kevin.koehler@everestnational.com or Chris Luca at 646.746.2740 or christopher.luca@everestnational.com

Funk Group and Lockton To Expand Collaboration On Insurance Service: Lockton and Funk Group will expand their risk management service alliance. Through the alliance, Funk will provide risk management support for Lockton clients in Germany, Switzerland, Austria and some Eastern European countries. Lockton will provide risk management advisory services for Funk clients in various countries around the world. The agreement extends a 15-year relationship on client service, providing mutual clients with risk management consulting, insurance brokerage, and loss prevention services. “The Funk Group has provided selected Lockton clients with outstanding service, and we look forward to expanding our relationship”, said John Lumelleau, President and CEO of Lockton, Inc. “They have always been a valuable member of our global service structure and share our commitment to risk management innovation and customized service.” “The expanding alliance with Lockton allows

both of our organizations to support the risk management needs of mutual clients,” said Yorck Hillegaart, Executive Board Member of Funk Group. “We have always had a good match of corporate culture, client portfolio, and client service approach.” Contact Dean Davison at 816.960.9309 or ddavison@lockton.com

Guy Carpenter Granted Broking License In China: Guy Carpenter & Company has been awarded the Wholly-Owned Foreign Enterprise (WOFE) broking license by the China Insurance Regulatory Commission (CIRC). Subject to final business registration, Guy Carpenter will become the first licensed international reinsurance intermediary to operate in China. It will provide reinsurance services in China as Guy Carpenter Insurance Brokers (Beijing) Co., Ltd. Guy Carpenter currently has a representative office in Beijing and a full-service office in Hong Kong SAR. Contact Alexis Levenson at 917.937.3264 or alexis.levenson@guycarp.com or Barbara Yeung at 852.2582.3537 or barbara.yeung@guycarp.com

InsurCard Receives International Recognition At Paris Awards: At the OSCARDS Award ceremony, held in Paris, InsurCard was named the 2010’s Best International Prepaid Card. A panel of experts selected InsurCard as one of the night’s 15 winners. Ange Galula, head of Publi-news award committee, said InsurCard was named Best International Prepaid Card because “their innovative approach to integrating their product into the insurance category has opened up an entire new industry to the prepaid card.” InsurCard was pioneered by Bob Mendte of Lansdale, PA and is designed to make claims simpler for both the insurance companies and the policy holder. The card is geared towards worker’s compensation, casualty, and property insurance claims. InsurCard is able to be activated and loaded while an adjuster is in the field with a claimant. This cuts out time needed to print and mail a check, funds are now available instantly. Cards are reloadable for ongoing claim payments. And unlike checks, funds on the card are fully protected. It works just like a debit card and can be used at millions of ATMs, banks, and merchants worldwide, wherever Visa Debit cards are already accepted. InsurCard worked with both insurance companies and state regulators to bring prepaid cards to the insurance market. Contact Karen Connor at 610.828.441 x201 or klc@connor-communications.com

IronBuilt Affirms Commitment To Construction Industry With Increase In Capacity Limits: IronBuilt, the specialty construction unit of Ironshore Inc., announces an increase in limits of up to $25 million in Umbrella/Excess, Wrap-up and Project Specific liability capacity. IronBuilt offers construction risk protection for diverse commercial and industrial projects, including infrastructure

improvements such as power plants, energy projects, bridges, tunnels, rail and airport expansions. “While many insurance carriers are pulling away from the construction sector, IronBuilt is reaffirming its commitment to this specialty market with the availability of increased capacity,” said Ben Beauvais, head of IronBuilt and Senior Vice President of Ironshore Specialty Casualty. “IronBuilt, which was launched more than three years ago, believes this is an opportune time to heighten its presence within the specialty insurance platform to provide deeper coverage options in the construction risk arena across all distribution channels.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

IronHealth Offers LPT Plus Program For Medical Professional Liability Sector: IronHealth, the specialty healthcare unit of Ironshore Inc., has developed the Loss Portfolio Transfer Plus Program to meet the needs of captive insurance entities and other alternative self-insurance vehicles in the Medical Professional Liability sector. LPT Plus is one of the specialty products offered within the IronHealth Custom Accounts and Asset Protection Solutions (CAAPS) facility that provides a broad array of alternative risk transfer and risk financing solutions to the healthcare industry. LPT Plus is designed to help alternative risk financing vehicles, such as captive insurers or risk retention groups, in two ways. First, the program allows the vehicle to transfer liabilities off its balance sheet, thereby enabling it to liquidate reserve redundancies and monetize those funds for dividend distribution to its insured beneficiaries. IronHealth will assume the insurance entity’s liability for known and reported claims, as well as incurred but not reported (or “tail”) liabilities, and has the flexibility to structure loss portfolio transactions to meet the specific needs of the client. Second, LPT Plus provides the vehicle with the option of having Ironshore write the going forward business on a first-year claims-made basis. “In today’s medical professional liability sector, many alternative risk entities are over-reserved and would like to find a way to monetize those excess reserves and distribute them to their participating insureds in the form of dividends,” said Joshua Stein, Chief Underwriting Officer of IronHealth. “In addition, given the extremely competitive pricing environment for Medical Professional Liability, these entities may be concerned about retaining their members. IronHealth’s LPT Plus program offers an innovative insurance solution with the flexibility to address both of these issues. We are able to structure the transfer of old liabilities – both known and reported claims as well as “tail” liabilities – off the captive’s balance sheet, thereby freeing up excess reserves, and allowing the captive to offer extremely attractive pricing – either itself, or through Ironshore by way of insurance or reinsurance – to its members on a

first-year-claims-made basis.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironshore Enters Into Agreement With BLIS To Provide Medical Liability Coverage To Specialty Class of Surgeons: Ironshore Inc has announced the creation of a specialty market program in partnership with BLIS, Inc. to protect bariatric surgeons performing elective cash or self-pay surgery. The agreement will enable BLIS to expand the distribution of its BLISCare product nationwide to advance the treatment and outcomes of surgery for individuals struggling with morbid obesity. BLIS, a leader in specialized financial services for cash or self-pay surgery, offers patients a layer of protection opting for elective surgery, thereby allowing the surgeon to build the cash payment section of the practice. BLISCare insurance product protects bariatric surgeons by covering the cost of complication-related medical care so cash pay patients can obtain necessary medical care needed to treat the complication at no additional cost. Since its inception in 2006, BLIS has provided protection on over 3,200 bariatric cases and paid on behalf of 200 BLIS surgeons more then $8 million in medical bills that would otherwise been the added financial responsibility of the individual patient. “Our relationship with BLIS is yet another example of Ironshore’s interest in developing innovative insurance programs to meet the specific needs of target business classes,” said Matt Dolan, President of IronHealth, the specialty healthcare unit of Ironshore. “IronHealth’s expertise in professional medical liability coverages will broaden the ability of BLIS to offer financial protection to surgeons within a unique medical sector.” The agreement with BLIS marks the 12th such specialty product offered by Ironshore Programs within select segments of the General Liability, Professional, Medical Malpractice Liability, Umbrella and Package markets. Ironshore Programs works with proven administrators to develop customized insurance products to serve unique classes of business that are underserved by the general insurance marketplace. Mr. Regi Schindler, President and CEO of BLIS, Inc., noted that in its efforts to improve access to weight loss surgery, “the strength and security of Ironshore will allow us to deliver a proven insurance solution across the entire bariatric market enabling cash-pay patients to receive needed life saving medical treatment.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironshore Specialty Casualty Announces Capacity Increase For Public Entity Coverages: Ironshore Specialty Casualty, a unit of Ironshore Inc., announces an additional capacity for its Public Entity product. Effective immediately, the available limits offered by Ironshore Specialty Casualty will increase from $10 million to $25

million. The capacity may be deployed on a retained limit, excess or reinsurance of public entity pool or captive basis. Building upon our portfolio of products, Ironshore also is introducing a new, proprietary Public Entity policy. In addition to being fully-integrated coverage, the form has been updated to include expanded definitions of Insured, Incidental Medical Malpractice and Third-Party (non-employment) Discrimination. The new Public Entity policy, written on an occurrence basis, incorporates several additional enhancements for more comprehensive management of public sector risk. “Since Ironshore’s public entity product and services were introduced over a year ago, the demand for broad insurance protection in response to heightened litigation has grown significantly,” said Susan Kostro, Senior Vice President, Ironshore Specialty Casualty. “The availability of increased capacity announced in conjunction with a customized, new policy form designed specifically for this sector is a testament to our commitment in helping public entities manage complex risk.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Lexington Insurance Company Introduces Spoliation Insurance: Lexington Insurance Company, a Chartis company, announces Spoliation Insurance, which is designed to protect against claims arising from direct physical loss or damage to property that serves as material evidence in a legal proceeding. “Professionals are often entrusted with property that can affect the outcome of a court case,” said Robert Rogers, Assistant Vice President of Lexington Insurance Company. “Many states recognize a separate spoliation tort action for the destruction, alteration or loss of evidence. Insureds that are legally obligated to pay damages due to the loss of such evidence can now be protected.” To meet the needs of the variety of firms exposed to spoliation torts – including architects, engineers, land surveyors, landscape architects and agency construction managers, as well as engineering companies that provide testing and forensic analysis – Spoliation Insurance is available as an enhancement to Lexington’s Architects and Engineers Professional Liability policy. Lexington anticipates expanding this coverage to other lines of business in the future. Contact Robert Rogers at 617.330.8564 or robert.rogers@chartisinsurance.com

Lexington Insurance Company Joins Forces With National Equipment Register To Fight Equipment Theft: Lexington Insurance Company, a Chartis company, announces an agreement with National Equipment Register (NER), which will help Lexington’s contractor equipment policyholders protect their construction equipment from theft by registering their machines on NER’s HELPtech® database and providing them with HELPtech theft deterrence decals. Through this business relationship, NER will

provide a 20 percent discount to Lexington’s insureds when they register their equipment on NER’s HELPtech database. Additionally, for policyholders who elect the Waiver of Theft Deductible and Theft Reward endorsement, Lexington will waive its theft deductibles up to $10,000 per occurrence if an insured’s equipment is registered prior to a theft and not recovered within 30 days of it being reported. Edward Fox, Inland Marine Product Line Manager at Lexington, said, “Lexington continually strives to provide policyholders with innovative solutions to their coverage and risk management needs. We very much look forward to our relationship with NER. By registering their equipment with HELPtech, our insureds are assisting with the protection of their own investments.” “We are happy to work with Lexington’s insureds to help protect their valuable assets,” said Stacy Kaufman, Marketing and Sales Director at National Equipment Register. “NER’s HELPtech registration is an inexpensive — but very important — layer of equipment protection.” Contact Edward Fox at 617.235.8970 or edward.fox@chartisinsurance.com

Liberty International Underwriters U.S. Launches Excess And Surplus Lines Property Product: LIU announces the launch of its Excess and Surplus Lines (E&S) Property product. This product provides wholesale brokers with a new market for their clients’ commercial property business and targets their mid- and large-sized property portfolio risks with capacity up to $25 million. LIU, a division of Liberty Mutual Group, has brought on Michael J. Carr to manage this new line of business. Mr. Carr has 18 years of E&S property experience and brings to LIU extensive experience in managing, developing and underwriting commercial property insurance products and programs. “Our goal is to be a premier U.S. specialty lines market with broad product capabilities,” said David Cohen, president of LIU U.S. “Now that we have completed expansion of our existing products into key market areas, launching a new major product line was the next logical step in our strategy. Michael’s experience in managing and underwriting E&S property business, combined with Liberty Mutual’s financial strength and stability, gives brokers a competitive product to offer their clients.” LIU’s E&S Property product features include all risk, named windstorm, difference in condition, flood and earthquake in catastrophe-exposed areas. “The E&S property market has many companies that are focused on specific market segments. LIU’s offering is different. Our appetite is broader than other carriers, giving us the ability to be nimble, flexible, and an engaged participant in multiple segments of the market,” said Mr. Carr. Contact John Cusolito at 617.574.5512; Wholesale brokers contact Michael Carr at 770.250.3959 or michael.carr@libertyiu.com

Petersen International Underwriters Launches A New Disability Insurance Program: Petersen International Underwriters announces that a new disability insurance program designed specifically for military doctors and dentists has been launched. Petersen International Underwriters noted that military professionals are vastly underinsured due to the fact that they are normally paid a bonus income as an incentive to remain in the armed services. “When a military person becomes disabled the government pays a benefit based on “rank pay” only, and this does not include any bonus income,” explained Mark Petersen, Vice President of Marketing. “Nor does it include any income earned from moonlighting, let alone anticipate the loss of future high income once that person leaves the service and ventures into private practice,” Petersen continued. Contact Mark Petersen at 800.345.8816 or mark@piu.org

Petersen International Underwriters Launches A New Program known As Corporate Accumulation Death And Disability Insurance: A new type of insurance known as Corporate Accumulation Death and Disability Insurance designed by Petersen International Underwriters is now available. This insurance protects firms that may have a sizeable accumulation of employees or principals in one location from the concerns of a catastrophic loss. “Events such as earthquakes, hurricanes, floods, or terrorist acts could cause an unusually high loss of life or serious injury among employees”, stated Mark Petersen, Vice President of Marketing. “The ability to insure companies for such a loss in the event of this type of catastrophe can be arranged through Petersen International Underwriters.” As Mark Petersen explained, this insurance idea came about when a CPA firm with 263 partners realized that they had a high concentration of partners in one location. The firm had in place an equity purchase agreement which provided for the mandatory purchase of a disabled or dead partner’s share. The agreement had been funded to date by cash flow, but the realization that a catastrophic event might cause a severe financial problem for the firm caused the firm leaders to consider alternatives. By securing coverage through Petersen International Underwriters, the CPA’s were able to remove the risk from their liability. Contact Thomas Petersen at 800.345.8816 or thomas@piu.org

R-T Specialty Appointed Exclusive Administrator For General Star’s NutraAdvantage ™ Program: R-T Specialty has been appointed as the exclusive administrator for General Star’s NutraAdvantage ™ program. NutraAdvantage offers specialty liability coverage for natural and organic supplements manufacturers, wholesalers, distributors, multi-level marketers, importers and exporters of both raw and finished products. The program is available

on a non-admitted basis in all states and is underwritten by General Star Indemnity Company or General Star National Insurance Company. Both companies are currently rated A++ (Superior) by A.M.Best Company and to date carry an AA+ Insurance Financial Strength Rating from Standard & Poor’s. Tim Turner, President and CEO of R-T Specialty says of the exclusive agreement, “We are extremely excited about our appointment as the exclusive administrator for this unique program. NutraAdvantage™ was originally launched by General Star in 2007. Recently, a number of critical enhancements have been added to the product. These enhancements provide the best available liability coverage, at the most affordable price for clients in the natural products and dietary supplement industry business.” Patricia Roberts, President and CEO of General Star Indemnity Insurance Company, adds, “Moving to an exclusive distribution and enhancing our program features is the latest evolution of a very successful General Star program. R-T Specialty brings a seasoned team of nutraceutical specialists to the table, with a track record of expertise in this class and a keen sense for the needs of the herbal, botanical and vitamin industry. This combination of dedicated intermediary and extended benefits will add the right momentum to our program.” The NutraAdvantage™ program offers commercial general liability insurance as well as products liability, premises liability, vendors’ legal liability, employee benefits liability and legal defense costs. The NutraAdvantage ™ Plus Endorsement provides protection for a variety of additional insureds, including primary and non-contributory coverage for vendors. It also offers products recall expense, professional and errors and omissions (E&O) coverage and waiver of subrogation. Contact Denise Pepin at 8312.651.6000 or dpepin@rtspecialty.com

Starr Launches Primary Commercial Auto Facility: Starr Indemnity has launched primary commercial auto to complete their primary casualty offerings. “With the introduction of our primary auto capabilities, Starr Indemnity is now positioned to provide workers compensation, auto and general liability to their clients," said Jim Vendetti, Senior Vice President and Chief Underwriting Officer. "Starr Indemnity's ability to provide a one stop solution to our producers and clients distinguishes us from many of our competitors in the space in which we operate. Starr Indemnity's commitment remains: to provide prompt, reliable and responsive professionals who will consistently offer high levels of service." Contact Richard Bessinger at 646.227.6400 or richard.bessinger@cvstarr.com

Starr Launches Restaurant Secure: Today's global marketplace creates ever increasing threats to the supply chain. Whether it's an ingredient purchased, increasingly stringent regulations and

enforcement, or the public's demand for safe products, the preparation and sale of food and beverages requires greater care than ever. Even a false report asserting that a product is contaminated or a restaurant is unsafe to visit can have a significant impact on an Insured's image and their bottom line. The Starr Response Restaurant Secure Insurance policy is designed to allow restaurant owners and franchisors the ability to manage threats to their products, brands, reputation and financial sustainability. Starr provides protection for a wide range of events which could have a devastating impact on an Insured's business including Accidental Contamination, Malicious Product Tampering, Product Extortion, Public Health Scare, and Insured Security Crisis. The Starr Response Restaurant Secure Insurance policy provides an Insured with access to the Crisis Response Hotline 24 hours a day/ 365 days a year to ensure access to expert advice and support when an Insured need's it most. Coverage afforded includes access to Starr's retained consultants, Red24 and NYA International, without a deductible and without eroding the limits of an Insured's insurance policy. Contact Richard Bessinger at 646.227.6400 or richard.bessinger@cvstarr.com

Starr Announces Marine Piracy Policy: Starr Response’s Special Marine (KRE) insurance policy is comprehensive, tailor made and designed to respond to the ever growing threat of Piracy faced by merchants globally. The Special Marine KRE coverage includes the standard coverages of reimbursement for ransom monies paid or lost transit, pre-incident and incident response consultancy costs, and standard necessary expenses. In addition, the Starr Response Special Marine KRE offers reimbursement for Marine specific coverage, including: Cost of fuel used during the hijacking; Unscheduled port charges resulting from a hijacking; Loss of Hire; Personal Accident; and Legal liabilities. The Starr Response Special Marine KRE Insurance policy provides an insured with access to the Crisis Response Hotline 24 hours a day/365 days a year to ensure access to expert advice and support when an insured needs it most. Starr's target customers are owners and charters of bulk carriers, container carriers, general cargo carriers, chemical and petroleum product tankers, vehicle carriers, research vessels, supply ships, cruise ships, commercial fishing vessels, and drilling ships for Marine Piracy coverage. Starr can provide manuscript endorsements tailored to meet customers' specific needs and will offer coverage on a per transit or per annum basis. Contact Richard Bessinger at 646.227.6400 or richard.bessinger@cvstarr.com

Starr Announces New Financial Lines Capability for Investment Advisors: The most recent addition to Starr's Financial Lines capabilities includes an Investment Advisor D&O/E&O form, which

provides a blended D&O/E&O solution for Investment Advisory Firms, Mutual Fund Companies and other forms of alternative asset managers such as Hedge Funds. Contact Richard Bessinger at 646.227.6400 or richard.bessinger@cvstarr.com

XL Group Obtains License To Establish Operations In China: XL announces that it has been granted a license by the China Insurance Regulatory Commission ("CIRC"), to operate as a P&C (non-life) company in Shanghai. XL Insurance (China) Company Limited will begin business operations after the completion of all the regulatory registrations. It will be led by Zheqiang (Al) Xie, as Chairman and CEO of this subsidiary. This represents a significant step in the implementation of XL Insurance's strategy to strengthen its presence in emerging markets. Mike McGavick, XL's Chief Executive Officer, said: "The Chinese insurance market has great strategic importance to XL. Shanghai plays a key role in China's economy, with a GDP year on year growth of 8.2% in 2009. It delights us to bring our global experience and underwriting expertise to China's vibrant economy. We are grateful to CIRC for their support and look forward to contributing to the development of the insurance industry in China and to the country's national policy to build Shanghai into an international financial and shipping centre." Andrew Vigar, XL Insurance's Regional Manager Asia, added: "With Al Xie we have appointed an experienced industry leader who is well placed to spearhead our efforts in China. As the country with the third highest number of Fortune 500 companies, we expect our products and services in the Property, Casualty, Specialty and Professional lines to respond to the needs of expanding Chinese companies." Having started his career with the former People's Insurance Company of China ("PICC") in Beijing, Zheqiang (Al) Xie brings twenty years experience in the Chinese insurance industry. In 1995 he was seconded to London to work in the PICC's UK subsidiary. Prior to joining XL Insurance, he held several management roles with Lloyd's in China, including setting up the Lloyd's representation in China and establishing Lloyd's full reinsurance operation, launched in Shanghai in 2007. Commenting on the opening of the China operation Gernot Klantschnig, XL Insurance's Chief Regional Officer for Continental Europe, Asia and Latin America, said: "We lead more than 1100 Global Programs for our clients and over a third of these clients have activities in China. Our operation in Shanghai will play a critical role in XL Insurance's global network." Contact Sebastian Kadritzke at 0207.933.7927 or sebastian.kadritzke@xlgroup.com

Zurich Announces Alliance With SACE To Promote Global Surety Business: Zurich announces that its International Surety, Credit & Political Risk group has executed an alliance agreement with

SACE, Italy’s insurance and financial group controlled by the Italian Ministry of Economy and Finance. The agreement establishes a framework for a public/private collaboration in order to enhance the availability of surety for Italian contractors involved in projects in major global markets. Under the terms of the agreement, Zurich and SACE will collaborate to provide reinsurance, co-insurance, and surety facilities to create new surety solutions to Italian companies operating outside of Italy. “Zurich’s broad international surety experience and global capabilities, combined with SACE's product range and strong position in the Italian marketplace, strengthens the ability of both parties to serve the needs of companies operating in markets across the globe,” said Michael Bond, head of International Surety, Credit & Political Risk, Zurich North America Commercial. “In this instance, Zurich's ability to leverage SACE's already strong surety bond capabilities will enable it to support its customers in a more meaningful way in markets where Zurich operates." Daniel Riordan, president of Zurich's Specialty Products unit said, “This agreement is a direct result of the long collaboration between Zurich and SACE on the political risk business and demonstrates the benefits to both companies of that relationship.” “This relationship with Zurich increases our reach and effectiveness, enhancing SACE’s role as a business facilitator worldwide,” said Raoul Ascari, COO of SACE. “By working together, Zurich and SACE will be able to provide Italian companies with surety peculiar capabilities that alone, would be difficult to do.” Contact Jennifer Nowacki at 847.605.6511 or jennifer.nowacki@zurichna.com

Zurich Expands Property Portfolio Protection (P3): Broader Property Insurance Form Widens Coverage Options And Flexibility For Construction Businesses. Zurich now offers its Property Portfolio Protection (P3) for the construction industry. P3, an alternative to ISO forms, offers Zurich’s rates and language that includes more than 36 additional coverage options. The policy helps improve coverage limits for construction companies for fixed property, contractor’s equipment, installation, rigger’s liability, boiler and machinery and crime. “Zurich anticipates construction customers will find this enhancement helps reduce gaps and overlaps in coverage,” said Seth Hausman, head of operations and profit management, Construction, Zurich North America Commercial. “P3 is designed to provide flexibility and risk management insight, tailored specifically to a customer’s needs.” P3 offers broader risk property coverages than a traditional ISO form. The form also includes a more extensive range of automatic coverages that requires far fewer endorsements. In addition, the policy uses simplified language that minimizes traditional insurance jargon, making it easier for customers to read and understand. Contact Brett McKenzie Wood at 847.605.8826 or brett.wood@zurichna.com

NPA’s NEXT DEADLINEThe next NPA deadline is day 28 of the month. There is no charge to submit NPA content. NPA content is global.

PROMOTE YOUR NEW INSURANCE PRODUCTS HEREDo you have a new program or a new policy? Send a note about your new products, offerings, acquisitions, or services to editors@advisen.com with NPA in the subject line. We'll include that item in our next New Products Announcements. Advisen's NPA column is distributed via our Front Page News e-mail to 95,000 commercial insurance professionals.

Top Advisen New Product 2010 PACESETTERSThe Top 10 Advisen New Product Announcement Pacesetters of 2010 are innovators represented by Zurich, Ironshore, Chartis, Marsh, Aon, Willis, Aon Benfield, OneBeacon, Torus, and XL. These results were compiled from the last 12 New Product Announcement columns which feature notices about new products, services and offerings. Read below for a brief discussion about product innovation and a detailed listing of firms making multiple appearances in NPA during 2010.

TOP 10 ADVISEN NEW PRODUCT 2010 PACESETTERSA total of 112 firms made at least one appearance in Advisen’s monthly New Product Announcement column during 2010. The NPA column gets published monthly in Advisen’s Front Page News and captures notices of new products, services and offerings related to Commercial P&C, so the firms mentioned in NPA encompass insurance companies, brokers and consultants as well as law firms and financial houses. These innovators below – in order – made the most appearances in 2010.

1. Zurich 2. Ironshore 3. Chartis / Lexington 4. Marsh 5. (tie) Aon 5. (tie) Willis 7. Aon Benfield 8. OneBeacon 9. Torus 10. XL

2010 NPA PACESETTER DISCUSSIONAre these firms truly unique? Advisen editors point out that in order to become a Top Advisen NPA Pacesetter, two things happen

consistently at that company: an emphasis is placed on innovation as well as the communication effort that conveys that information. An active feedback loop between clients and the front line is also implied. "We are constantly working to understand and meet the evolving needs of our customers," said John Parker, Chief Marketing Officer for Zurich North America Commercial. "We do this together with our select broker partners, who often bring us great ideas for products that fulfill our customers' needs."

The successful urge to innovate is embedded in a company’s fabric, and needs to permeate all levels of a company. Ironshore’s Chief Executive Officer Kevin H. Kelley added, “Innovation is an important part of the Ironshore corporate culture, which we all take very seriously. It is part of our cultural DNA. Helping our clients deal with change is a major differentiator for Ironshore in the marketplace. We appreciate Advisen’s recognition of Ironshore’s achievements last year in launching inventive programs and coverages to meet the demands of the specialty insurance industry. We take great satisfaction in garnering the #2 position and vow to work harder across our global platforms to reach for the #1 spot in 2011.”

At several of these companies, the resulting array of new offerings is truly notable. Kristian P. Moor, President and Chief Executive Officer of Chartis, commented, "Chartis has always been known for innovating solutions for our customers. It is the lifeblood of what we do and represented by the fact that we launched over 250 new products and services worldwide in 2010." While Advisen’s monthly NPA didn’t capture every single new product announcement issued, we salute the insurance companies who are clearly making big advances in this realm. As companies morph their capabilities and their resources to craft cutting-edge offerings and new enhancements, the buyer will hopefully benefit. At Advisen, we believe that the upshot of making the new products arena more transparent is a greater amount of choice and relevancy for the insurance buyer.

HOW IS THE NPA DATA COMPILED?Our New Products Announcements contain descriptions of new commercial insurance product offerings, and services. The NPA column is published in Advisen after the first day of the new month. We comb thru material sent to editors@advisen.com and assemble a commingled review of relevant announcements. For this annual study, we aggregated a year’s worth of material by major firm parent (though we separated reinsurance items) from the last 12 editions of NPA.

WHAT ARE THE IMPLICATIONS OF THIS NPA DATA?

The volume of announcements is high; Advisen Editors are quite certain that NPA misses much. It must be stated that these NPA firms are not the only ones innovating. We screen for certain types of news. Also, our editors@advisen.com address receives a steady stream of NPA material, but not everyone directs their material here. One major criticism of this ranking can be that large companies and rapidly growing companies introduce more products. Is that noteworthy? However, given that we publish about 30 or more announcements about new products, services and offerings every month, we drew some conclusions based upon the past year’s worth of data.

So, what conclusions can the NPA column reader draw? The art of innovation is not an exact science. If your firm is innovating, how do those efforts compare to your peers? And if your firm is innovating, how effective are your efforts to communicate that aspect? As it turns out, there are plenty of new products and services that are only announced “internally” and not shared with the greater community. Do your clients know?

WHAT CHANGES WILL OCCUR TO NPA DURING 2011?Through the end of 2010, NPA contained announcements about new products, services and offerings. What’s not included in NPA? Office moves and the opening of a new location lead the list of material that we typically decline (though that detail may appear in our sister column, People on the Move). One-time offerings, papers for sale, conference calls, etc. are also mostly excluded. However, exceptions occur when we believe our audience will benefit from the announcement. In 2011, we will launch the Advisen NMA column to summarize New Merger & Acquisition announcements related to commercial P&C. NMA will also contain news about “book of business” purchases and related transactions. Send material to editors@advisen.com with NMA in the subject line.

2010 NPA PACESETTER ROSTER BY FIRMDuring 2010, there were 112 firms making at least one appearance in NPA. The following 43 firms “doubled that effort” and made at least two or more NPA appearances. In fact, many made several multiple appearances.

Allied World Admiral All Risks AmWINS / Colemont Aon Aon Benfield

ArchAspen Beacon HillBerkleyBusiness Risk Partners Chartis Endurance Global Aerospace Grafton Guy Carpenter HCC Global Insurance Office of America Integro Ironshore Irwin Siegel Agency Lexington Liberty Mutual Lockton Markel MarketScout Marsh Momentous Insurance Navigators OneBeacon OnPoint Underwriting Philadelphia Price Forbes S.H. Smith Starr Torus V3 Venture WeatherBillWillis WKF&C XL Zurich

Congratulations to all Advisen 2010 NPA Pacesetters.

HOW TO SUBMIT CONTENT TO NPADo you have a new program or a new policy? Send a note about your new products, offerings, acquisitions, or services to

editors@advisen.com with NPA in the subject line. The next NPA deadline is day 28 of the month. There is no charge to submit NPA content.

Thank you for reading the Advisen NPA. Please send comments to editors@advisen.com