Western Networked Insurance Services

“Put Networked Insurance Agents Program Team to work for you”

John S. EricksonJohn S. Erickson

Vice President Commercial ProgramsVice President Commercial Programs

WNIS Expanding WNIS Expanding CapabilitiesCapabilities

Professional Liability Business Directors & Officers, Employment Practices Directors & Officers, Employment Practices

LiabilityLiability Fiduciary, Crime, Kidnap Ransom Coverage Fiduciary, Crime, Kidnap Ransom Coverage Technology and Miscellaneous E&OTechnology and Miscellaneous E&O Health Care and Life Sciences E&OHealth Care and Life Sciences E&O

Excess & Surplus Lines Business Property, General Liability Commercial PackageProperty, General Liability Commercial Package Garage, Umbrella/Excess, Liquor LiabilityGarage, Umbrella/Excess, Liquor Liability Special Events CoverageSpecial Events Coverage Environmental and Pollution LiabilityEnvironmental and Pollution Liability DIC Earth Quake, WindDIC Earth Quake, Wind High value & Hard to place HomeownersHigh value & Hard to place Homeowners

Program Development & Management

Directors & Officers LiabilityDirectors & Officers Liability Community AssociationsCommunity Associations Publicly Traded CompaniesPublicly Traded Companies Health Care OrganizationsHealth Care Organizations Non-Profit OrganizationsNon-Profit Organizations Privately Held CompaniesPrivately Held Companies Personal DirectorsPersonal Directors Including:Including:

Entity LiabilityEntity Liability Third Party LiabilityThird Party Liability Markets for “hard to place” risksMarkets for “hard to place” risks

Employment Practices Employment Practices LiabilityLiability

Broad range of eligible groupsBroad range of eligible groups Community AssociationsCommunity Associations Publicly Traded CompaniesPublicly Traded Companies Health Care OrganizationsHealth Care Organizations Non-Profit OrganizationsNon-Profit Organizations Professional FirmsProfessional Firms Privately Held CompaniesPrivately Held Companies Including:Including:

Loss prevention tools & resourcesLoss prevention tools & resources Markets for “hard to place” risksMarkets for “hard to place” risks

Crime and Fiduciary Crime and Fiduciary LiabilityLiability

Primary and excess limits availablePrimary and excess limits available Crime coverage can include:Crime coverage can include:

Broad definition of “Employee”Broad definition of “Employee” Loss Sustained or Discovery basedLoss Sustained or Discovery based Blanket ERISA Fidelity coverageBlanket ERISA Fidelity coverage

Fiduciary coverage can include:Fiduciary coverage can include: Coverage of HIPAA violationsCoverage of HIPAA violations Coverage for 502 and 503 penaltiesCoverage for 502 and 503 penalties Defense inside and outside limitsDefense inside and outside limits

Technology and Internet Technology and Internet Errors & Omissions Errors & Omissions

CoverageCoverage Mono line coverage for small to large Mono line coverage for small to large

commercial commercial businesses.businesses. Consulting and Information Tech firmsConsulting and Information Tech firms Cyber, Media and Advertising Liability Cyber, Media and Advertising Liability Computer & Electronic ManufacturersComputer & Electronic Manufacturers Hardware / Software DevelopmentHardware / Software Development Web site Design and HostingWeb site Design and Hosting Internet Service Provider’sInternet Service Provider’s Active Server Page DevelopmentActive Server Page Development

Miscellaneous ProfessionalMiscellaneous 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

Architects, Engineers, Land Architects, Engineers, Land Surveyors ProfessionalSurveyors Professional

Design-Build contractorsDesign-Build contractors Specialty Construction consultants Specialty Construction consultants Environmental consultantsEnvironmental consultants GeologistsGeologists Mechanical engineersMechanical engineers HVAC engineersHVAC engineers Interior DesignersInterior Designers Landscape ArchitectsLandscape Architects Communication EngineersCommunication Engineers

Insurance Agents Insurance Agents Professional LiabilityProfessional Liability

Competitive Program for retail agentsCompetitive Program for retail agents Group credits availableGroup credits available Will accept new ventures with experienceWill accept new ventures with experience Can write P&C and Life agenciesCan write P&C and Life agencies Coverage options includes defense Coverage options includes defense

outside limitsoutside limits Admitted and non-admitted marketsAdmitted and non-admitted markets Difficult to place accounts can be Difficult to place accounts can be

consideredconsidered

Sexual Misconduct LiabilitySexual Misconduct Liability

Up to $10 million coverage limit available Up to $10 million coverage limit available for sexual misconduct or molestation. for sexual misconduct or molestation. $15,000 minimum premium$15,000 minimum premium World wide coverageWorld wide coverage Defense and settlement within limitsDefense and settlement within limits

Schools, Religious Organizations, Camps, Schools, Religious Organizations, Camps, Child Care Centers, Counseling Services, Child Care Centers, Counseling Services, Foster Care Services, Recreation Centers, Foster Care Services, Recreation Centers, Hospitals, Nursing Homes, others.Hospitals, Nursing Homes, others.

Health Care ProfessionalHealth Care Professional Primary and Medical Malpractice forPrimary and Medical Malpractice for::

Home Health Care & Nurse StaffingHome Health Care & Nurse Staffing Laboratories / Diagnostic FacilitiesLaboratories / Diagnostic Facilities Physicians & Health Care PractitionersPhysicians & Health Care Practitioners Medical Treatment FacilitiesMedical Treatment Facilities

Hospitals, Clinical Testing, Dialysis Hospitals, Clinical Testing, Dialysis Centers, Halfway Houses, Medical Centers, Halfway Houses, Medical registry services, Rehabilitation Servicesregistry services, Rehabilitation Services

Miscellaneous Medical Classes for:Miscellaneous Medical Classes for: Acupuncture, audiologist, counseling service, Acupuncture, audiologist, counseling service,

dietician, healthcare consultant, massage dietician, healthcare consultant, massage therapist, physical therapist, safety & health therapist, physical therapist, safety & health consultant, speech therapist, etc.consultant, speech therapist, etc.

Sampling of WNIS MarketsSampling of WNIS Markets Beazley USA C.N.A Lexington Lloyd’s Travelers Zurich Chubb Hartford Monitor Liability Great American Fireman’s Fund

OneBeacon Philadelphia AIG Crum & Forster American Safety ACE Western

Heritage Century Surety CIBA Chubb Custom C.N.A

Schinnerer

Binding Authority ClassesBinding Authority Classes Property, General Liability, Package, Garage, Property, General Liability, Package, Garage,

Liquor 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 – GC’s, Roofing Day Care Centers Day Camps & Sleep In Debris Removal

Demolition Contractors Employment Agencies Equipment Rental Excavating/Grading of Land

Contractors Garbage, Refuse Collecting Gas Stations Hunting Clubs Landscaping Motorcycle Dealers & Repair Pest Control Service Recycling Collection Centers Special Events Coverage Tire Dealers Truck / RV Dealers & Repair Security and Patrol Agencies Vacant Buildings & Land Welders

Large Account Capabilities Large Account Capabilities

General Liability Virtually any product liability risk--from paper

goods to firearms, beverages to chemicals, toys to swimming pools -- and the risks in between. Primary general liability, lead umbrella, follow-form excess liability.

Property Difficult to Place classes and Catastrophe

Exposures, Auto Phys Damage, Motor Truck Cargo, Builder’s Risk, Chemical, Energy, Municipalities and Institutions, Tier 1 Wind Exposures, DIC

Risk Retention GroupRisk Retention Group Apartments & CondominiumsApartments & Condominiums

$500 Million Capacity $500 Million Capacity Office, Warehouse, Commercial Properties, Office, Warehouse, Commercial Properties,

Shopping Malls, (HPR or Non-HPR)Shopping Malls, (HPR or Non-HPR) $500 Million Capacity$500 Million Capacity

Collective Liability (no need to purchase an Collective Liability (no need to purchase an excess liability policy) $75 Million Limitexcess liability policy) $75 Million Limit

Strictly “A” rated insurance carriersStrictly “A” rated insurance carriers Comprehensive “all risk” special coverageComprehensive “all risk” special coverage Many other additional featuresMany other additional features Eligible states, CA, AZ, CO, NV, WAEligible states, CA, AZ, CO, NV, WA

Environmental LiabilityEnvironmental Liability Contractor’s pollution liability - covers third-party

claims caused by pollution events arising out of covered operations.

Professional consultants liability - provides liability arising out of acts, errors or omissions during the rendering of professional services by a named insured.

Professional environmental consultants liability - combines the element of errors and omissions coverage with contractor’ pollution liability coverage.

Environmental services package policy - combines general liability, pollution and professional liability all in one seamless product.

Environmental casualty coverages - include the general liability, workers compensation, business auto, excess liability and contractors protective liability.

DIC Earthquake, Wind/HailDIC Earthquake, Wind/Hail The DIC (Earthquake Peril) PolicyThe DIC (Earthquake Peril) Policy is available is available

for both building owners and tenants of for both building owners and tenants of commercial buildings. 13 Western States, commercial buildings. 13 Western States, including Alaska, California, Oregon, Utah, and including Alaska, California, Oregon, Utah, and Washington. Washington.

The NPCP (Wind/Hail Only) PolicyThe NPCP (Wind/Hail Only) Policy helps helps businesses recover from damage caused by wind businesses recover from damage caused by wind and/or hail and other perils. Florida, Georgia, and/or hail and other perils. Florida, Georgia, Hawaii, Louisiana, Texas, and Virginia.Hawaii, Louisiana, Texas, and Virginia.

The DIC (Wind/Hail Perils) PolicyThe DIC (Wind/Hail Perils) Policy is available is available for both building owners and tenants of for both building owners and tenants of commercial buildings. Alabama, Mississippi, New commercial buildings. Alabama, Mississippi, New Jersey, North Carolina, and South Carolina. Jersey, North Carolina, and South Carolina.

Market Segment ProgramsMarket 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

High Value & Hard to Place High Value & Hard to Place HomeownersHomeowners

HO-3 HO-3 Brush and unprotected propertiesBrush and unprotected properties Primary, secondary, seasonal and Primary, secondary, seasonal and

rentalsrentals $1,000 min. prem.$1,000 min. prem. Earthquake availableEarthquake available

HO-4/6HO-4/6 Builders Risk, Vacant DwellingsBuilders Risk, Vacant Dwellings Personal Articles FloatersPersonal Articles Floaters Excess FloodExcess Flood ““A” rated marketsA” rated markets

WNIS Placement WNIS Placement SpecialistsSpecialists

Professional Liability

Terri Amick Terri Amick (530) 274-6962(530) 274-6962

Teri Hulvey Teri Hulvey (530) 477-3913(530) 477-3913

John Erickson John Erickson (530) 274-(530) 274-69926992

Surplus Lines

Cyndi Gabbard Cyndi Gabbard (866) 398-9588(866) 398-9588

David Boge David Boge (530) 477-3910(530) 477-3910

Victoria Edson Victoria Edson (530) 477-3914(530) 477-3914

Email Addresses:

firstname.lastname@networkedins.cofirstname.lastname@networkedins.comm

Western Networked Western Networked Insurance Services Insurance Services

“When it’s outside the box, contact WNIS”

info@westernnetworkedins.com

Send applications to:CL_Programs@networkedins.com