34 NPAs: Our New Products Announcements contains descriptions of new commercial insurance product offerings, acquisitions, and services. This edition of NPA contains details from Advisen, All Risks and Rockhill, Aon Benfield, Beacon Hill Associates, EPIC & Wholesale Trading Co-Op, Grafton Group, Healthcare Regulatory Risk Solutions, Insurance Office of America, Integro & Frost Specialty, Ironshore, Liberty Mutual, MarketScout, Marsh, NIP, OneBeacon, Philadelphia Insurance, RIMS, RMS, Sedgwich CMS, Travelers, Tressler LLC, Upside Risk, William Gallagher Associates, Willis, and Zurich. NPA content is global. Send material to editors@advisen.com and note that the next NPA deadline is day 28 of the month.

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34 NPAs

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Advisen Matches Two Policy Forms Side-by-Side: Struggling to see the wording differences between two or more forms? If you don’t have access to Advisen.com, you can still compare conditions, definitions, exclusions and topics across our collection of 3,500 forms and 1,500 endorsements. Order a form comparison between any two forms for $249 by selecting Analytics Reports at http://corner.advisen.com. Add a third form for $99. We send you the output in Word.

Advisen’s Job Postings Show Who’s Hiring in this Market: Advisen publishes a new Job Posting column every two weeks in Front Page News. Advisen’s Job Postings are presented so that you can scroll through the entire list of jobs without clicking boxes or filters on some website job board. We think this presentation is better. Our best anecdotal evidence shows that the majority of FPN readers who read

this column either have jobs and are simply curious about what other opportunities exist and what peers & competitors are doing. Advisen's Job Postings column relies on this network of readers to then e-mail this column to someone else with a "hey, look at this job!" This column has become one our most read columns. Review the most recent Job Postings columns at http://corner.advisen.com and select Jobs & Careers and then Job Postings.

All Risks announces insurance program for hospice and home health industry with Rockhill. The Home Health Program specifically targets Medical Home Care of the Elderly, Home Health Agencies, Home Health Care Agencies, Home Nursing Services, Visiting Nurse Associations, Nursing Agencies providing in home services, Hospice Care, Elderly Companions and many more home health classes. Rockhill Insurance Company, with the support of their exclusive relationship with wholesale broker, All Risks, Ltd., will provide a turn-key insurance solution for home health related exposures throughout the nation. Highlights of the new Home Health program include: Low Minimum Premium; General Liability and Professional Liability Policy Combinations; General Liability Limits of $1 Million / $3 Million; Professional Liability Limits of $1 Million / $3 Million; Excess Layers up to $5 Million; Sexual/Physical Abuse Coverage - Full Policy Limits; Occurrence and Claims Made Available; Defense Costs Outside the Limit; Hired and Non-Owned Auto Available; Scheduled Additional Insured Wording; Incident Sensitive Coverage Trigger; Separate PL and GL Towers. The program also includes a Risk Management platform designed to help their insureds effectively implement/maintain a secure risk management program. The included services offer a web-based self assessment, access to a resource center with specific module downloads, quarterly newsletter specific to home health and quarterly webinars with one hour nursing CE credit. Additional services are also available. Contact Jim LaPlante at 800.366.5810 x3071 or jlaplante@allrisks.com

All Risks announces an exclusive insurance program for the mental health industry with Rockhill. The Mental Health Program specifically targets Outpatient Centers and Clinics for the following classes: Mental Health, Psychiatric, Mental Health Counseling, Alcoholism Treatment, Detoxification, Drug Addiction, Substance Abuse and many more mental health and substance abuse classes. Rockhill Insurance Company, with the support of their exclusive relationship with wholesale broker, All Risks, Ltd., will provide a turn-key insurance solution for mental health related exposures throughout the nation. Highlights of the new Mental Health program include: Low Minimum Premium; General Liability and Professional Liability Policy Combinations; General Liability Limits of $1 Million / $3 Million;

Professional Liability Limits of $1 Million / $3 Million; Excess Layers up to $5 Million; Sexual/Physical Abuse Coverage - Full Policy Limits; Occurrence and Claims Made Available; Defense Costs Outside the Limit; Hired and Non-Owned Auto Available; Additional Insured Wording; Incident Sensitive Coverage Trigger; Workers Compensation Available; Separate PL and GL Towers. Contact Jim LaPlante at 800.366.5810 x3071 or jlaplante@allrisks.com

Aon Benfield launches ABConnect Client Portal: Aon Benfield announces the launch of ABConnect, a new online portal that offers clients any-time access to their account data and improved transparency. The facility is available initially to the firm’s U.S. clients, with clients in the rest of the world being activated later this year and in early 2011. ABConnect users are able to log-on via a secure internet browser connection to access a full range of account handling features, including information on their contracts, claims, accounting and payments, and other transactional data. Meanwhile, seamless navigation and search facilities offer quick access to core functionality. Mitch Balter, Head of Operations, Americas, at Aon Benfield added: “Aon Benfield is focused on continuing to use technology to improve transparency and reduce administrative burden in the re/insurance industry. ABConnect addresses the much inefficiency that occurs in the use of manual processes and paper-based systems and provides readily-accessible information for audit purposes.” ABConnect also incorporates Aon Benfield’s recently launched MarketReView platform – which contains real-time data on reinsurer financials, the capital markets, and updates from four of the top rating agencies via data streams from A.M. Best, SNL Financial and Standard & Poor’s. ABConnect adds to Aon Benfield’s growing range of innovative technological solutions, including the award-winning FAConnect placement platform, which allows clients to quote and bind their own facultative reinsurance placements from an internet-enabled device in less than five minutes. Contact Andrew Wragg at 0207.522.8183 or andrew.wragg@aonbenfield.com

Aon Benfield launches ILS Indices: Aon Benfield Securities, the securities and investment banking operation of Aon Benfield announces the launch of the Aon Benfield ILS Indices, which provide a quantitative view of monthly insurance-linked securities (ILS) returns since December 2000. The ILS Indices track the performance of catastrophe bonds in each of four portfolios: All Bond, BB-rated Bond, U.S. Hurricane Bond, and U.S. Earthquake Bond. Each index is a total return index representing the return an investor would have achieved by allocating an amount of capital weighted to each catastrophe bond available in the market at a particular point in time. The Indices have been calculated by Thomson Reuters, the leading information provider

to the ILS sector. In addition to demonstrating the ongoing value inherent in the ILS market, the ILS Indices provide a point of comparison with other financial market measures. They represent an increase in transparency of returns in the market sector. Over the past year, both ILS issuers and investors have adapted to a new capital markets landscape, which is evidenced by the evolution of the asset class. Despite continued uncertainty and volatility in the global capital markets generally, the global ILS market continues to provide capital value to investors, as demonstrated by the Indices. Paul Schultz, President of Aon Benfield Securities, said: "The launch and ongoing administration of the Aon Benfield ILS Indices demonstrate the firm’s continued leadership in the insurance-linked securities market. Additionally, we believe the added data and transparency will lead to new investment in this market and provide greater capital alternatives for our clients.” Contact Andrew Wragg at 0207.522.8183 or andrew.wragg@aonbenfield.com

Beacon Hill Associates Opens a Denver Office: Beacon Hill Associates, Inc. has announced the hiring of Allison McGreal to open a new office in Denver, Colorado. The strategic location and the addition of McGreal as Assistant Vice President - Underwriting Division will enable Beacon Hill to take advantage of the continuing opportunities presented to its PartnerOne Environmental in-house underwriting division. At a time when many markets are contracting and searching for ways to modify their business models, Beacon Hill continues to successfully expand, both in its home office in Charlottesville as well as into other regions of the country. “Service is the backbone of our industry,” said Bill Pritchard, Beacon Hill’s President, “and we are continually searching for the best people and the best ways to help us deliver unparalleled service. Allison’s experience, professionalism, and proven track record of success in our market segment make her a wonderful addition to our team, and Denver fits into our overall expansion plans perfectly.” “We are very excited to welcome Allison McGreal to our team,” said Amanda Duncan, Senior Vice President of Beacon Hill Associates, Inc. “Allison’s knowledge of the environmental marketplace, as well as her outstanding reputation among agents and brokers, makes her an ideal choice to help us develop a new region and grow our PartnerOne book of business.” Contact Robye Davidson at 800.596.2156 or rdavidson@b-h-a.com

Business Risk Partners Purchases ProAssurance's MPL Book: BRP has purchased the renewal rights to the Miscellaneous Professional Liability book of Houston, TX-based ProAssurance Mid-Continent Underwriters Company, effective immediately. Underwriting on behalf of Lloyd’s, BRP will offer renewal policies to any qualifying ProAssurance Mid-Continent Insured. The transaction includes most

segments of MPL including real estate professionals (with the exception of the title and escrow segments), home inspectors, property managers, consultants of all types, claims adjusters, staffing and HR firms, architects, engineers, and technology firms. Commenting on the transaction, BRP CEO and co-founder Lisa Doherty noted, “It’s remarkable the similarity between ProAssurance Mid-Continent’s risk portfolio and our own. As both coverholders for Lloyd’s, we share the same appetite for risk. We are confident that BRP will maintain the same high level of coverage, service and expertise that ProAssurance Mid-Continent producers have come to expect. Agents and brokers can rest easy knowing BRP will continue uninterrupted coverage for their clients.” Larry Keefe, President of ProAssurance Mid-Continent Underwriters, added, “It’s important to us that our producers are taken care of which is why we selected BRP with its breadth of risk appetite, quality products and dedication to service. Our producers and their clients will be in good hands.” Contact Lisa Doherty at 860.903.0002 or ldoherty@businessriskpartners.com

EPIC and Industry Veterans Sponsor Launch of Wholesale Trading Co-Op: Edgewood Partners Insurance Center (EPIC) and one of its co-founders John Hahn and industry investor Jeff Cappel has announced the formation of Wholesale Trading Co-Op Insurance Services LLC (WTC), a boutique wholesale brokerage firm that will serve approximately 30 of the largest privately-held retail insurance brokers in the US. The firm will be owned jointly by its retail insurance broker members, WTC executives, its sponsors and select financial partners, including Islington Holdings LP, the investment firm managed by Mr. Cappel. WTC will begin placing business by the end of 2010 with 5-7 founding retail insurance broker members. WTC will work directly with its retail insurance broker members to develop a comprehensive placement strategy to better serve clients, increase transparency between the retailer broker and specialty insurance markets, reduce frictional costs, and develop exclusive programs and binding authority facilities for its owner members. Initially offices will be located in San Francisco, New York and Atlanta. Midwest and Texas locations will be added in 2011. WTC will be independently operated and will be managed by a leadership team with extensive wholesale brokerage experience. Unfortunately, the wholesale brokerage industry as we know it today is plagued by fragmentation, a low retention of business and resulting high transaction and acquisition costs, notes John Hahn, the co-founder and President of EPIC and formerly the CEO of Tri-City Brokerage. The WTC approach aligns the financial and business interests of the retailer, wholesaler and specialty market in a manner that gives the client the best market alternative and reduces the frictional costs. Everyone wins. Dan Francis, co-founder and CEO of EPIC, commented, WTC is a great win for EPIC and the other retail

brokers. We will increase our knowledge of our specialty book of business, consolidate our use of intermediaries, increase transparency with specialty markets and add to our profit margin in the process. As wholesalers scramble to keep business on the books, service and transaction expertise have gotten lost. The recent consolidation has caused real headaches for our brokers, and clients and we welcome the stability that will come with an alternative like WTC. Contact Courtenay Dulak at 949.209.8871 or courtenay@dmpublicrelations.com

Grafton (Europe) Insurance Company Limited & outstanding liabilities of self insured programmes: Grafton has developed a unique insurance solution for Corporations that, over a period of time, have built up outstanding liabilities relating to self insured programmes. These mainly relate to the long tail classes such as Employers Liability, General Liability and Motor. Frequently the Corporation (or their Captive Insurer) will have had to collateralise these liabilities by means of Letters of Credit or a Parental Guarantee both of which are contingent liabilities on the balance sheet and can cause financial strain. In addition some may even have to support the potential for claims both at the Captive level and at the Parent level, in effect double counting the obligation. The Grafton solution helps Companies optimise both their capital requirements and cash flow. Grafton will assume the liabilities from the existing insurer and release both the insurer and the Corporation from any further liability. This provides finality for both and also releases trapped cash which has been allocated to support both outstanding liabilities and potential new liabilities. Contact Maralyn Fichte at mfichte@thegraftongroup.com

Healthcare Regulatory Risk Solutions Offers Medical Providers Defense Against Medical Fraud Allegations: Healthcare Regulatory Risk Solutions (HRRS) is the name of the nascent program developed by Christopher Prestera and Earl Bagan to help providers protect themselves by assuring their compliance with rules and regulations. By providing convenient, affordable, and user-friendly web-based training and support services, HRRS offers providers a formidable first line of defense. HRRS provides the proper training for staff that is required annually by law: 1) HIPAA training; 2) Fraud, Waste and Abuse training; 3) OSHA training; and 4) the new Red Flags – Identity Theft training promulgated by the Federal Trade Commission. The primary goal of the program, says Prestera, is to help providers train their staffs to prevent the mistakes that can lead to prosecution and penalties. “Our program is designed to help providers and their staff, so that they know exactly what they should and should not be doing in each of these areas,” says Prestera. “The program is web-based and has been structured to be convenient and easy to implement. In a busy

physician office, it’s nearly impossible to get the entire staff together for “live” training; it disrupts operations and is costly. With our program, it can be done by each staff member on an individual basis. HRRS makes it simple for physicians (as well as providers of all types) and their practice administrators to ensure that each person gets the required training, so that they are in compliance with regulations. We give the administrators a ‘dashboard’ with which they can monitor the employee’s progress and, if necessary, step on toes to get the training completed.” Contact Christopher Prestera at 954.491.8052 or chris@hrrs.net

Insurance Office of America has joined with the Smith Gatta Gelok Agency and The Norwood Agency: IOA announces that 9 agents from the Smith Gatta Gelok Agency and The Norwood Agency have joined forces with IOA through one of IOA’s subsidiary companies. IOA’s subsidiary also purchased the personal lines book of business and other accounts from the Smith Gatta Gelok Agency and The Norwood Agency which are headquartered in Farmingdale, NJ. IOA will operate from the same location on Route 34 in Farmingdale, NJ and will employ many of the service staff members who were previously employed by Smith Gatta Gelok. “The IOA organization is pleased to have so many talented people join the IOA family. IOA’s commitment to service and carrier relationships is similar to Smith Gatta Gelok’s and this will enable IOA to increase our presence in New Jersey and provide a stepping stone to expand further into the Northeast”, stated John Ritenour, Chairman of IOA. Contact Dana Scovanner-Gazard at 407.998.5561 or dana.scovanner@roa-usa.com

Integro Combines Forces with Entertainment Specialist Frost Specialty: Integro announces that it has completed a merger with Frost Specialty, a third generation insurance agency specializing in serving the music industry and located on historic Music Row in Nashville. Financial terms of the transaction were not disclosed. From its founding in 1980 as a trailblazer in the Country and Christian music industries, Frost Specialty grew and evolved into an agency insuring some of the most successful touring artists in the world. The firm’s in-depth knowledge of the business of entertainment provides a unique advantage in managing the complex risks of its clients, and in developing exclusive and specialized programs tailored to performing artists, musicians and songwriters. Clients and services include the Country & Christian touring artists program, a group Copyright Infringement program and a Musical Instrument program. The Frost agency also handles the unique personal insurance needs of clients in the entertainment and sports industries. “With the addition of Frost Specialty and its exceptional staff that set the industry standard, Integro has now catapulted to the forefront of entertainment risk

specialists,” said Integro CEO Peter Garvey. “We’ve been greatly impressed by the superior knowledge, expertise and quality service Robert and his colleagues bring to their clients, and I couldn’t be more delighted with his decision to join forces with Integro and our existing entertainment risk capabilities. We are confident this combination will create an unbeatable solution for entertainment industry clients.” As Integro’s dedicated Entertainment practice, Frost Specialty will continue under the leadership of Robert Frost as president. Frost, who also becomes a managing principal of Integro and will lead Integro’s Nashville office. Contact Betsy Van Alstyne at 212.295.5445or betsy.vanalstyne@integrogroup.com

Ironshore Environmental Expands Spills Program: Ironshore Environmental has expanded its suite of asset-class specific SPILLS programs to provide comprehensive environmental coverage to the Hospitality Sector. Ironshore’s Environmental Hospitality program offers asset protection against a broad range of site pollution exposures, including Mold, Legionella, Contingent Business Interruption, Norovirus and Recreational Water Illnesses (RWI), as well as other facility-borne infectious viruses and/or bacteria. Ironshore’s Environmental Hospitality program was developed specifically to address emerging risk management issues of the hospitality and leisure industry, including resorts, hotels, motels, casinos, cruise lines, and time shares. The program enhancements allow for coverage of remediation expenses, disinfection expenses, third party bodily injury and property damage (including natural resource damages), and transportation and business interruption, including contingent business interruption. “The Deepwater Horizon Spill has heightened management awareness to the potential impact of a pollution incident that does not occur on the insured property but can result in a significant loss of revenue to a leisure establishment,” said Joe Boren, CEO of Ironshore Environmental. “The comprehensive SPILLS Hospitality program is designed specifically for the hospitality industry and therefore features Contingent Business Interruption coverage for pollution incidents within a specified radius of the property that threaten financial loss.” Ironshore’s Hospitality SPILLS policy limits are available from $1 to $30 million, with minimum premiums of $10,000. Coverage is provided for all of the insured’s legal liability resulting from pollution incidents, unless specifically excluded, which eliminates the need to schedule properties. John O’Brien, President of Ironshore Environmental, noted: “We develop products by asking insureds and brokers ‘what types of exposures are of a concern’ then we launch a unique insurance product that is “client-centric.” Given our experience in launching Healthcare and Education specific SPILLS products, we continue to lead the market in developing asset-class

coverage crafted for specific industries.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironshore's Pembroke Expands Professional Indemnity to Global Oil & Gas Sector: Ironshore announces that its U.K- based Pembroke Syndicate 4000 has introduced a Professional Indemnity product to provide comprehensive coverages for the Oil & Gas industry worldwide. Coverages are underwritten through Ironshore’s International platform for global risks, as well as for U.S.-domiciled entities. The Professional Indemnity specialty insurance product offers coverage for professionals operating across the entire oil and gas industry spectrum, including offshore exploration and production as well as onshore refining, processing and support services. The product can also encompass coverage for related high risk exposures, such as Pollution, Bodily Injury and Property Damage, and Consequential Loss, subject to underwriting review. Pembroke’s resident expert geologist, Mr. Danny Clack, will lead the Oil & Gas initiative. Prior to joining Pembroke, Mr. Clack served for more than ten years as an environmental consultant, specializing in oil refinery, oil terminals, and oil and gas processing plant projects worldwide. “Recent oil spill disasters in the Gulf of Mexico and China’s Yellow Sea have heightened awareness of the significant risk exposures surrounding such unexpected incidents, and the potential for significant loss within the oil & gas sector on a global basis,” said Mark Wheeler, Chief Executive Officer of Ironshore International. “Pembroke’s recognized expertise in providing Specialty Professional Indemnity insurance products allowed us to leverage this knowledge, thereby crafting a comprehensive coverage solution in response to the increased insurance risk within the highly specialist oil and gas industry.” Pembroke’s Professional Indemnity product provides coverages for firms providing services in a wide range of Oil & Gas industry fields, such as sub-sea exploration, oil and gas field development systems, floating production, storage and offshore loading systems (FPSOs), oil and gas transport, on-shore refining and process plants, marine surveying, and general process/chemical engineering among others. Specialty coverages for risks relating to various types of exposure are available on a case-by-case basis. Policies are underwritten on a claims-made basis for annual policy periods. Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Liberty Mutual Group's Zhejiang Branch Opens for Business: Liberty Mutual Group, through its wholly-owned subsidiary Liberty Insurance Company Limited (LICL), has been granted approval to begin branch operations in Zhejiang by the China Insurance Regulatory Commission (CIRC). Headquartered in Chongqing, LICL received CIRC approval to open a branch in Hangzhou, Zhejiang Province. Liberty

Mutual is the first foreign property and casualty company to operate in Zhejiang, a province of over 47 million people located 700 miles south of Beijing on China’s southeastern coast. All three of the company’s operations in China – Chongqing, Beijing and Zhejiang – will offer personal lines products and a wide range of commercial lines products. “Liberty Mutual’s strategy of being the first insurer to enter markets untapped by foreign companies in China continues to be successful,” said Liberty Mutual Group President David Long. “CIRC’s approval of our Zhejiang branch reinforces our reputation as a strong company committed to providing quality insurance in China.” Contact Adrianne Kaufmann at 617.574.5983 or adrianne.kaufmann@libertymutual.com

MarketScout 2010 Entrepreneurial Insurance Symposium: Property and Casualty insurance underwriting and distribution are changing dramatically. On September 14 and 15, MarketScout will host over 400 industry leaders at the fourth annual Entrepreneurial Insurance Symposium. According to Richard Kerr, founder and CEO of MarketScout, “We founded the Entrepreneurial Insurance Symposium because there was no forum to promote innovation and creativity in the insurance industry. The event is high energy with a focus on fostering new, creative ideas.” To maintain market share, underwriters, retail agents and intermediaries must implement new concepts. Clearly, those who understand the new ways of doing business will be big winners. Prior attendees describe the symposium as the only true insurance industry “think tank” with a focus on new concepts, ideas and innovation. Speakers will profile new initiatives and innovative methods their firms are using to position themselves for growth. Register for the conference via https://einsurancesymposium.com/Eis10/eis_RegisterAttendee.asp and enter “ADVISEN” as the Coupon Code to receive a Registration Fee discount. Contact Beth Showalter at 972.934.4264 or bshowalter@marketscout.com

Marsh Launches New Collateral Solutions Group: As risk managers continue to navigate a challenging collateral landscape, Marsh has established a new Collateral Solutions Group (CSG) to ensure that all clients consistently receive the best possible collateral terms and most appropriate solutions to meet their individual needs. The new group is comprised of more than 30 senior casualty experts from around the firm who, in partnership with several leading banks, MMC Securities Corp., and Marsh Business AnalyticsSM, will help clients achieve the best collateral outcome. “Collateral requirements have become an increasing burden for our clients and prospects with loss-sensitive insurance programs as credit markets have tightened and collateral costs have increased,” said David Karr, Managing Director and Co-Chair of the Collateral Solutions Group. “This burden has been

particularly notable from the point the financial crisis began almost two years ago and remains prevalent today. We don’t see any indication of these trends reversing.” Insurers require risk managers with loss-sensitive programs, such as commercial auto, general liability and workers’ compensation, to post collateral to guarantee payment of claims falling within large deductibles. However, due to the capital constraints associated with current economic conditions, banks have materially reduced credit facility capacity, increased letters of credit fees, and, in some cases, required cash collateral to secure a letter of credit. At the same time, insurers also have become more conservative in their collateral requirements in order to protect themselves from the credit risk associated with loss-sensitive programs. “Against these headwinds, our clients are increasingly under pressure from their senior management to rein in collateral requirements in order to reduce costs and free up capital for other corporate purposes,” said Daniel Aronson, Managing Director and Co-Chair of the Collateral Solutions Group. ”With the establishment of CSG, Marsh is taking collateral solutions to the next level and providing clients, including those in financial distress, with real solutions to address their real needs.” Toward this end, CSG’s initiatives include: maintaining senior level relationships with carriers’ credit risk personnel; actively monitoring each carrier’s collateral requirement underwriting guidelines and acceptable collateral instruments; developing analytic models that will compare and contrast insurers’ collateral requirements based on different scenarios, including the long-term impact of switching from one carrier to another; dedicating specific resources to loss portfolio transfers and other deductible closeout strategies; and partnering with leading banks and MMC Securities to develop alternative collateral facilities. Contact Anand Poola at 212.345.4292 or anand.poola@marsh.com

NIP Launches "First of its Kind" Pet Professional Program: NIP Programs announces a new insurance program designed specifically for a unique and growing industry: pet care. This newprogram, called PetPro™ is the first of its kind: a one-stop, complete insurance and risk management solution to protect pet care professionals and their businesses. Underwritten in partnership with an A.M. Best “A” rated (Excellent) insurance carrier and designed in collaboration with pet industry specialists, PetPro combines all lines of standard coverage with a full menu of coverage enhancements to ensure that pet care businesses are fully protected against all the varied risks they face. PetPro serves veterinarians, animal hospitals, shelters, pet hotels and doggie day camps, pet rescue and adoption organizations, dog walkers, pet sitters, pet trainers, groomers, pet boutiques and a host of other pet professionals – from one-person operations to multi-state businesses. PetPro is not only passionate about protecting pet care

professionals, but pets as well. PetPro strongly supports pet rescues, fosters and adoptions and does NOT insure businesses engaged in the sale of pets of any kind. “PetPro sets a new standard in insurance for pet care professionals, providing a product with the right coverages, right limits and right prices specifically for these types of businesses,” said David Springer, President of NIP Programs. “It’s important that agents and brokers know that we didn’t adapt an existing product or set rates based on other unrelated small businesses. When you consider the uniqueness of coverage, the vast assortment of pet care businesses we insure, the loss prevention services we provide and the affordable premium, there is really no point of comparison for the value you get with PetPro.” The result of years of exhaustive research, PetPro offers superior coverage across all types of pet care businesses, including professionals who provide more than one service (day care and grooming, boarding and training, etc). Standard coverages include Workers’ Compensation, General Liability – Premises & Operations, Professional Liability (up to $3 million) with Consent to Settle, Directors & Officers Liability, Property, Inland Marine (includes specialized & mobile equipment) and Auto Liability. PetPro is rescue-friendly and actively seeks to insure rescue operations, shelters, and not-forprofit pet-related associations. Through the PetPro Charitable Fund, NIP Programs supports organizations dedicated to saving the lives of homeless pets, raising awareness of pet welfare issues and nurturing the healthy bond between people and pets. Contact Kelly Spencer at 800.446.7647 x386

OneBeacon Introduces New International Coverages: OneBeacon Insurance Group announces that it has expanded its international capabilities through broadened coverages: International Kidnap and Ransom, and International Business Travel Accident. These coverages target several of the company’s specialty segments with international exposures, specifically Technology, Energy, Financial Services and Property and Inland Marine customers. The new coverages are available to current OneBeacon policyholders within these segments at renewal, as well as to new clients beginning August 1. Said OneBeacon International Manager Jeff Capanna, “Our goal is providing critical global coverages in a seamless manner. As these coverages are built on our @vantage® product platform, we’ve simply expanded the current package policy and thereby eliminated the need to purchase these coverages on a standalone basis. Ambrose Yau, OneBeacon International Manager, added, “Our International Kidnap and Ransom, and International Business Travel Accident coverages nicely round out our already broad International Human Resources with Assistance coverage. We are very excited to be expanding our customized international solutions to address these emerging risks.” OneBeacon’s new International Kidnap and Ransom coverage limits range

from$50,000 to $5 million per occurrence. The company’s International Business Travel Accident coverage provides 24-hour coverage including 72-hour personal excursion protection. Contact Carmen Duarte at 781.332.7268 or cduarte@onebeacon.com

OneBeacon and Frontline Offer Motor Truck Cargo Program: OneBeacon Insurance Group announces its alliance with Frontline Underwriters, Inc. to offer a new Motor Truck Cargo Program to transportation customers in nine states: Alabama, Arkansas, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee and Texas. Said Don Keahon, OneBeacon’s Vice President and Director of Inland Marine, “We are excited to partner with Frontline Underwriters and bring this program to the transportation marketplace. Frontline’s preeminence in the motor truck segment nicely complements OneBeacon’s focus on this specialty business. Through our combined expertise, enhanced coverages and personalized approach, we offer the transportation market in the southeast and Texas a total Motor Truck Cargo solution.” A full suite of motor truck cargo protection is available with the program, including standard inland marine coverages and program features such as expediting expenses, off-board and on-board electronic equipment and on-board supplies. Contact Sasha Valasek at 781.332.7165 or svalasek@onebeacon.com

Philadelphia Insurance Adds Home Medical Equipment Dealers as Newest Product: Philadelphia Insurance Companies (PHLY) designed its Home Medical Equipment Dealers product to meet the unique needs of the Home Health Care sector, offering coverage that includes General Liability, Professional Liability, and Abuse & Molestation. A separate Directors & Officers policy is also available. "PHLY is excited to enter into the Home Medical Equipment Dealers insurance sector with a product specifically tailored to meet the needs of this niche market," commented Neal Schmidt, Vice President of Commercial Lines Underwriting. Jeff Collins, Vice President of PHLY’s Human Services Division added, "Insuring this class of business was a natural progression given our experience writing risks that provide a comprehensive array of services for the home health care industry. We are pleased with our enhanced insurance product, which offers Products Liability coverage and Primary and Excess Professional Liability coverage for both medical professionals and the entity." Contact Marisa Thornton, Marketing Manager, at 610.538.2260 or mthornton@phlyins.com

RIMS 2010 Benchmark Survey™ Book: Ahead of your Q3 and Q4 renewals, how do you check market pricing and gauge limits? Reliable, independent information about risk management costs and insurance benchmarks is easily obtained. The RIMS Benchmark

Survey, a 128-page book that summarizes Total Cost of Risk, premiums, limits and retentions across commercial insurance lines for different industries, was just published and has started shipping. Order your book today. The 2010 edition contains:

Program Benchmarks for 14 industries Premium, Limit and Retention data for 6 coverage lines Extensive Graphs, Statistics and Insightful Analysis Our first survey of Insurance Company and TPA ServicesOur second annual study of Workers Compensation Claims Management and Best PracticesA 30 year retrospective review on the role of Risk Managers

If you didn’t qualify for a free copy in return for contributing your program data, you can purchase a copy at www.RIMS.org/book

RMS Expands Its Terrorism Risk Model to Include Key International Cities: Risk Management Solutions (RMS) announces a major enhancement to its terrorism risk solution, enabling more detailed modeling of international cities of interest to the insurance industry and incorporating the latest insights into terrorism interdiction modeling. The updated model - released with the latest version of RMS’ industry-leading risk management software platform, RiskLink® 10.0 - also includes higher resolution hazard information and refinements to human exposure and building vulnerability based on data from recent attacks. The International Probabilistic Terrorism Model (PTM) now covers the international metropolitan areas of London, Rome, Milan, Toronto, Montreal, Ankara, Istanbul, Dublin, and Copenhagen. “The selection of cities is driven by a combination of terrorist activity levels and the concentration of high-value insured properties, such as skyscrapers, stadiums, and Fortune 100 companies, which dictates market interest,” explained Maria Lomelo, director of Emerging Risk Solutions at RMS. RMS’ new methodology for modeling the rate of terrorist plot interdiction is based on terrorist cell size and the complexity of planned attacks, and uses both social network analysis and counterterrorism method data. The model now accounts for the network structure of terrorist supporters, advocates, and active terrorists, and how authorities track and intercept attacks. Understanding the interdiction process is essential to modeling the probability of successful attacks. “Over the past year we have seen high levels of terrorist activity, with most plots having been foiled. The more ambitious the terrorists’ plan, the more operatives it is likely to include - therefore making the plot more susceptible to interdiction,” said Dr. Gordon Woo, catastrophist at RMS. “The terrorism risk in the cities covered by the new model drives the need for a terrorism risk solution in those regions.”Revisions have also been made to the vulnerability and hazard modules, which use new information from

recent attacks and academic studies to improve understanding of the vulnerability of human exposure, property, and business interruption from various attack modes. Contact Carolyn Krehel at 201.498.8712 or carolyn.krehel@rms.com

RMS Releases Australia Severe Convective Storm Model: Risk Management Solutions (RMS) announces the phase one release of its Australia Severe Convective Storm Model®, covering damage from hailstorm, water ingress, downburst winds, and tornadoes. These storms have been the largest driver of catastrophe loss in Australia over the past 40 years due to their high frequency. While not as damaging as most severe cyclones, severe convective storms are capable of generating losses in the billions of dollars, as demonstrated by the 1999 Sydney Hailstorm, which would cause over AU$ 3 billion of insured loss if it were to reoccur today. Combined with RMS’ Australia cyclone and earthquake models, the new model offers a complete solution to quantifying risk for the country’s three greatest perils. As well as assessing the risk of the storm sub-perils together, companies can use the new model to differentiate losses driven by hail, which is of particular concern for motor insurance. A detailed inventory of building stock based on the expertise of local structural engineers has also been incorporated into the model, enabling insurers and reinsurers to fill gaps in their exposure data and generate more detailed damage estimates. “Regional trends in building characteristics such as construction and roof type can help to plug the holes in companies’ data and lead to a better understanding of risk where detailed information is not available,” commented Mr. del Re. Reinsurers quoting low-layer structures, which are common in the Australian market and could be impacted by even a moderate severe convective storm, will be able to use the new model to complement historical storm loss data to optimize their treaty pricing and diversification strategies. The first phase of the Australia Severe Convective Storm Model®, which has been released with the latest version of RMS’ risk management software platform, RiskLink® 10.0, extends across the Greater Sydney area. Historically, the region accounts for 65 percent of all Australia severe convective storm losses. Over the next several years, RMS will develop and roll out phase two of the model to include other key regions susceptible to severe convective storm damage. Contact Carolyn Krehel at 201.498.8712 or carolyn.krehel@rms.com

Sedgwick CMS Adds E&O Claims Management Solutions to Professional Liability Service Offering: Sedgwick Claims Management Services has expanded its professional liability business to provide comprehensive errors and omissions (E&O) claims management solutions for professional service organizations. Sedgwick CMS E&O specialists manage risks, resolve claims, and administer

settlements for professional service providers facing allegations of inaccuracy or oversight in the performance of their work. The new service helps clients achieve equitable claims outcomes that mitigate financial costs and minimize reputational damage for their organizations. The Sedgwick CMS errors and omissions team leverages the expertise, system resources and national presence of the company’s industry-leading healthcare professional liability practice. Sedgwick CMS has the experience to assist in resolving many E&O matters at the complaint stage, to the advantage of all parties. When circumstances require, however, services include complete causal analysis, contract compliance review, ongoing mitigation and correction efforts, extended settlement negotiation, and litigation support. Contact Frank Huffman at 901.415.7548 or frank.huffman@sedgwickcms.com

Travelers Introduces New Suite of Management Liability Products: Travelers announces two new management liability product suites that offer agents and customers the ability to streamline and customize coverage through a flexible, modular policy with common language, terms and conditions. These two new suites of coverage, Executive Choice+SM for Public Companies and SelectOne+SM for Large Financial Institutions, join the newly enhanced Wrap+® for Private & Non-Profit Organizations. Travelers’ policy suites offer the protection customers need today and provide flexible policy options for additional coverage as an insured’s business or organization grows and new exposures emerge. Consistent language, terms and conditions within these enhanced policies help to effectively minimize gaps in coverage. "Travelers’ new and enhanced policies respond to today’s existing and emerging exposures,” said Wayne Andersen, Chief Underwriting Officer, Management Liability, for Travelers Bond & Financial Products. “By streamlining coverage enhancements, previously available by endorsement only, into one flexible policy, Travelers is making it easier for brokers and agents to provide customers with the state-of-the-art protection they need.” Executive Choice+ for Public Companies, SelectOne+ for Large Financial Institutions and Wrap+ for Private & Non-Profit Organizations each offer multiple enhanced coverage features in a single policy suite including directors & officers liability, employment practices liability, fiduciary liability, miscellaneous professional liability, private partnership liability, crime, kidnap and ransom, and identity fraud expense reimbursement. Contact Jennifer Bagdade at 651.310.2883 or jbagdade@travelers.com

Tressler LLP have joined forces with Grasso Bass: Tressler LLP and Grasso Bass, PC have joined forces, without formally merging, a business trend that has become an essential driver in the development

of new business opportunities and the expansion of a law firm’s reach. A strategic alliance creates a network that provides expertise through the individual firms and draws on the resources of the allied firms. In this instance, Grasso’s clients will have access to the nationwide service capabilities of the Tressler firm and Tressler’s clients will benefit from the diverse work force and unique perspective that Grasso’s attorneys provide. “An alliance like this presents the best of both worlds; each firm uses the resources of the other while retaining its own identity,” said Daniel Formeller, Tressler’s Managing Partner. “This allows us to compete in areas of the marketplace that otherwise may not have been open to either firm.” "Having the quality services and reputation of the Tressler firm of attorneys will enable our law firms to provide the array of legal services demanded of sophisticated clients," added Gary Grasso, founder of Grasso Bass, PC. Grasso Bass, PC, a minority owned law firm formed in 2006, is comprised of five attorneys concentrating in the areas of civil litigation, real estate development, state and local government law, gaming regulation, municipal lobbying, labor relations, health care, professional liability, insurance, legal ethics and malpractice and public service law. Tressler LLP is comprised of more than 135 attorneys practicing from 7 offices across the country. Tressler’s full-service practice encompass the areas of litigation, insurance and reinsurance, business and corporate services, municipal law, condominium and common interest community association law and private client services. Contact Sara Kornaus at 312.627.4134 or skornaus@gmail.com

Upside Risk Launches Innovative Risk Assessment to Avert Human Errors: Upside Risk, a risk management solutions provider that helps organizations manage, monitor and mitigate risk-taking announces the launch of the Judgment Risk Indicator, an innovative new psychometric risk assessment that rates a persons abilities at financial risk-taking. The Judgment Risk Indicator addresses the human side of risk, an area of risk management that is far too often overlooked. The assessment helps prevent loss and avert human errors before they occur by raising red flags to risk profiles of concern. It indicates whether a person is capable of taking good calculated risks that lead to competitive advantages and identifies risk behaviors in people that may potentially cause them to take irresponsible or even catastrophic risks. The assessment is rooted in behavioral economics, a field of study that draws on psychology and economics to help us understand why people often arrive at the wrong decisions. Given the consequences of recent catastrophes, a greater emphasis should surely be put on the prevention of the types of human errors instead of just counting up the cost of the resulting fallout. The Judgment Risk Indicator serves as the first line of defense in organizations hiring practices and it is used to benchmark the risk profiles of key decision-

makers within an organization. The good news for those who raise red flags is that they can be taught to improve their risk-taking abilities through education. Upside Risk delivers training and leadership development programs that aim to boost job performance and help mitigate irresponsible risk-taking at both the individual and corporate levels. Contact Tyler Nunnally at 404.320.6047 or tnunnally@upside-risk.com

William Gallagher Associates Acquires Paradigm Associates: William Gallagher Associates announces the acquisition of Paradigm Associates, a health and welfare benefit plan consulting group headquartered in Braintree, MA. Paradigm Associates was founded in 1995 and has a client base of 85 organizations with particular expertise in health care, technology and financial services. “We are very pleased that Paradigm chose WGA as their merger partner. Paradigm brings to our company strong capabilities and client relationships which will further serve to strengthen both of our organizations,” said Philip J. Edmundson, Chairman and CEO of WGA.Mr. Edmundson went on, “this merger reinforces our continued belief at WGA that the Commonwealth remains the best place to anchor a business whose strategy focuses on growth companies involved in such diverse areas as High Tech, Life Sciences, Health Care and Renewable Energy.” “With this acquisition,” Edmundson concluded, “WGA continues to expand its leadership role as New England’s largest independent insurance brokerage firm.” The revenue of Paradigm in 2009 was $3.4 million. The purchase price of the acquisition was not disclosed. Contact Susan Forbes at 617.261.6700 or sforbes@wgains.com

Willis Introduces Health Care Reform Impact Analysis Calculator: The Human Capital Practice of Willis announces the launch of its Health Care Reform Impact Analysis Calculator, a robust online tool that helps employers of all sizes assess the financial impact of health care reform measures on their businesses over time. Willis’ employee benefits consultants will use the tool when working with clients interested in a broad overview of the costs of health care reform and related timing. For a deeper analysis and more detailed strategic recommendations, Willis is offering a corresponding consulting service that leverages the resources of its National Actuarial Practice to advise clients on benefit program design and cost-mitigation options related to each of the health care reform measures that will take effect over the next seven years. Willis’ HCR Calculator and actuarial consulting services are part of the broker’s broader strategy to help clients navigate the complexities of health care reform. Other elements include educational programs for insurance buyers (employers), information and decision-support tools for consumers (employees), ongoing education and training for Willis consultants, and lobbying

efforts on such matters as wellness program grants and waivers for limited medical plans. Contact Will Thoretz at 212.915.8251or will.thoretz@willis.com

Willis Partners with Innography to Launch Willis PatentWize: Willis announces that it is partnering with Innography® to launch Willis PatentWize™, an enterprise-wide business intelligence solution that is part of Willis’ overall plan to help companies better manage their intellectual property (IP) risks. Willis said it will offer a comprehensive suite of technology, consulting and risk transfer solutions that will deliver a complete approach to intellectual property risk management. The broker’s strategy is built around Willis PatentWize, designed to help companies of all sizes gain a better understanding of their IP risks. Intellectual property and other intangible assets are a critical and growing part of the global economy, and carry with them a unique set of risks,” said Don Bailey, Chairman and CEO of Willis North America. “Those risks are on the rise as a result of the increasing globalization of business, investments in offshore operations, and the ubiquitous use of information technology, which makes IP assets more difficult to protect.” Willis PatentWize establishes a new standard for effectively dealing with IP risk by providing rapid and relevant insights based on the automated correlation of patent, trademark, legal, financial and other key information. Powered by the Innography software platform, this IP business intelligence solution instantly displays real-time visualizations that can be leveraged to: Improve the strength and marketability of new technologies and inventions, Identify emerging industry trends, opportunities and threats, Disclose and preempt points of exposure to litigation, Reveal critical details when evaluating merger and acquisition candidates and partnerships, Conduct required portfolio reviews and compliance audits and Facilitate intra- and cross-organizational collaboration and reporting. Willis PatentWize combines dozens of patent, trademark and business data sources from more than 70 countries to generate interactive visualizations that make IP research and analysis more efficient and cost-effective. Contact Ingrid Booth at 0203.1247.182 or boothi@willis.com

Zurich in North America introduces insurance policies for defendants in contract litigation: Zurich announces that its Programs unit is expanding its first-of-its-kind contract litigation policy to now help protect defendants. The policy will be provided through Sonoma Risk Insurance Agency (Sonoma Risk). Similar to its Plaintiff Contract Litigation Insurance (PCLI), the new Defendant Contract Litigation Insurance (DCLI) program is designed to insure defendants in contractual lawsuits against the risk of paying their adversaries'

attorneys fees if unsuccessful in defending against a breach of contract claim. “Loser Pays” provisions and statutes are on the rise in the US. Also, in many states, plaintiffs have a mandatory statutory right to recover attorneys' fees in contract disputes, and according to Sonoma Risk, contracts between businesses and even individuals are increasingly including these provisions. “The financial liability of paying your adversary’s legal fees is a serious concern,” said Craig Fundum, president of Programs & Direct Markets for Zurich's North America Commercial business. “The Bureau of Justice Statistics recently reported that, on average, two out of three defendants in contract cases lose at trial. This policy is intended to help mitigate the risk of an adverse judgment.” Both defendant and plaintiff contract litigation insurance can offer a variety of benefits to businesses and individuals some of which might include: Reduced financial risk exposure, The ability for companies and individuals to pursue strong claims that otherwise may be abandoned due to potential financial liability and The ability for general counsels and business owners to budget litigation costs more effectively. To provide the maximum amount of flexibility to businesses and individuals, the defendant contract insurance can be applied for 60 days from the date a defendant is served with a complaint. The policy coverage period matches the duration of the litigation and is triggered when the plaintiff prevails at trial or if a summary judgment is issued against the defendant. Contact Jennifer Nowacki at 847.605.6511 or jennifer.nowacki@zurichna.com

Zurich's North America Commercial Construction Unit Introduces Enhanced Professional Liability Coverage For Architects and Engineers: Zurich has introduced an enhanced professional liability policy aimed at design firms of all sizes that provide architectural and engineering services to the construction industry. Specialized coverage options are also available to mid-sized and large firms with annual fees in excess of $5 million. “With this newly enhanced policy, qualified customers are covered against claims alleging negligent performance, whether direct or incidental,” said Scott Rasor, head of Construction for Zurich's North America Commercial business division. “These customized solutions are designed to help reduce customers' costs while potentially enhancing their profitability.” Coverage enhancements include: Technology coverage for Web site and database design, design and maintenance of computer programs, business information modeling and electronic data transmission when done in conjunction with professional services, An expanded definition of professional services to include scientists, technical consultants, technology services, and LEED accredited professionals, Punitive damages where allowed by law, Reimbursement of legal expenses incurred while responding to lawsuits arising from

violating regulations required by the Americans with Disabilities Act and the Fair Housing Act, Reimbursement of legal expenses incurred while responding to inquiries from the Occupational Safety and Health Administration and state licensing board proceedings, Contractors Pollution Liability with no fungus exclusion, Automatic newly acquired or formed entities coverage for 90 days and A deductible credit of up to $25,000 when mediation is used. Contact Steve McKay at 847.706.2265 or steven.mckay@zurichna.com

Zurich North America Commercial launches enhanced Umbrella Liability Policy: In addition to the existing “Coverage A/Coverage B” form, which blends follow form excess insurance with umbrella coverage, Zurich now offers “Coverage C” Casualty Business Crisis Expense, which covers reputational risks and related issues. Previously available to customers as an endorsement, “Coverage C” is now added to every Umbrella Liability Policy, with a limit of $250,000. Enhancements that were formerly available only by endorsement are now built into the policy form, including: Built-in flexibility to go over either underlying Defense within the limits or Defense in addition to the limits policies, Reduction in mandatory endorsements by building in the Umbrella Amendatory Endorsement and Violation of Statutes Exclusion, Built-in frequently requested enhancements, including: Knowledge of Occurrence; Notice of Occurrence inadvertent reporting does not invalidate coverage; Unintentional E&O, and clarification of the Waiver of Subrogation, Elimination of short-rate cancellation provision, regardless of who requests cancellation, A 90-day notice of cancellation for other than nonpayment of premium, A 30-day notice for non-renewal and Other Insurance is amended for Coverage A to be primary noncontributory for limits agreed to in a written contract. Contact Brett Wood at 847.605.8826 or brett.wood@zurichna.com

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