Carrier Partner Information Company Name: QBE the Americas Target Markets Representative: Stephen Fitzpatrick, Mitch Luedtke, Jason Holmes, Joseph Girardi E-Mail: Jason.Holmes@qbeamericas.com, Stephen.Fitzpatrick@qbeamericas.com, Joseph.Girardi@qbeamericas.com, Mitch.Luedtke@qbeamericas.com Website: www.QBE.com Phone: QBE the Americas (212) 422-1212 Company Overview: QBE the Americas writes Commercial Property & Casualty Insurance, Health Insurance & Reinsurance, Treaty Reinsurance, International Treaty Reinsurance, Facultative Reinsurance utilizing QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Specialty Insurance Company. QBE Specialty Insurance QBE Specialty Insurance is dedicated to serving the managing general agency (MGA) market and is the combination of the underwriting programs of QBE and Praetorian Financial Group. We refer to our MGA relationships as partnerships. Partnership is the core to our operating principles, and enhancing our business relationship with our partners is our number one priority. QBE Specialty Insurance team is committed to developing and enhancing superior underwriting partnerships. We believe the continued advancement of our business strategies, broad product offerings and knowledgeable underwriters provide our partners with superior products and services to excel in the market. As part of QBE Insurance Group, we are able to provide our partners a more efficient operating structure and strengthen both our partners and QBE Specialty Insurance for future growth. Comprised of QBE’s and Praetorian’s strategic program partners. Companies include: QBE Insurance Corp., Praetorian Insurance Co., Redland Insurance Co., and QBE Specialty Insurance Company. Production through program partners and independent agents. Admitted and E&S capability in all states. Financial Strength Our ratings recognize the sound capital position of our insurance companies. Our surplus strength is in excess of $2 Billion with a strong commitment from a global insurance player, parent company QBE. - QBE is rated “A+” by Standard & Poor’s - QBE Insurance companies are rated “A” (Excellent) by A.M. Best - Praetorian Insurance companies are rated “A-“ (Excellent) by A.M. Best The specialty unit is organized by line of business. We believe underwriting specialization is essential and enhances our partnerships. Our underwriters are among the most knowledgeable and experienced in the market and are dedicated to understanding and responding to our partners’ dynamic needs. Our multi-line product offerings and 50 state capability translates to “speed-to-market” for our partners. Workers’ Compensation Capacity: - Statutory Current Portfolio: - Primary Workers’ Compensation (guaranteed cost, developing in-house policy administration system) - Developing in-house claims capabilities in selected areas Preferred Business: - Small-to-midsized accounts written mono-line - Low-to-moderate severity classifications - Target Midwest and eastern states - Class specific programs in targeted states Mark Benson, SVP & Workers’ Comp Practice Leader Mark.Benson@qbeamericas.com 212.805.9736 Bert Blanton, VP Bert.Blanton@qbeamericas.com 212.805.9819 Commercial Auto Capacity: - Primary ($1 Million) - Umbrella (Up to $5 Million) Current Portfolio: - Business Auto - Local to long-haul trucking - Specialized commercial auto (limos, tow trucks, dealer open lot) Preferred Business: - Business auto - Artisan contractors business auto - Specialized niche transportation - Preferred local distance, 50 miles Michael Hynes, VP & Commercial Auto Practice Leader Michael.Hynes@qbeamericas.com 212.805.9822 General Liability Capacity: - Primary ($1 Million) - Umbrella (Up to $5 Million) Current Portfolio: - Specialized regional programs (BOP, Package) - Stand-alone primary GL with Umbrella - Diverse industry groups (commercial contractors, commercial agriculture, restaurants, bars, taverns, habitational, public entity) Preferred Business: - Short-to medium – tail risks - Light – medium – hazard exposures Marc S. Willner, SVP & Liability (General & Professional) Practice Leader Marc.Willner@qbeamericas.com 212.894.7524 Joseph Girardi, VP Joseph.Girardi@qbeamericas.com 212.894.7719 Management & Professional Liability Capacity: - $10 Million Current Portfolio: - Private company package (D&O, EPL, fiduciary, financial services E&O, social services E&O) Preferred Business: - Claims-made coverages for small-to-mid sized commercial risks - Private and not-for-profit for directors and officers professional liability - Miscellaneous classes of errors and omissions Marc S. Willner, SVP & Liability (General & Professional) Practice Leader Marc.Willner@qbeamericas.com 212.894.7524 Robert Remy, SVP Bob.Remy@qbeamericas.com 212.805.9783 Nathaniel AIken, VP Nathaniel.Aiken@qbeamericas.com 212.805.9812 Joseph Girardi, VP Joseph.Girardi@qbeamericas.com 212.894.7719 Property Capacity: - Limits available up to $50 Million per risk Current Portfolio: Focus is on the middle market, small-to-midsized risks. The current property portfolio consists of a well balanced catastrophe and non-catastrophe exposed book including - self-storage facilities - home owner associations - condominiums and apartment buildings - builders risk - contractors equipment - DIC accounts, including California earthquake - wind exposed risks, targeting superior construction Preferred Business: Middle market accounts focusing on homogeneous groups and niche classes including - habitational risks - inland marine lines - excess and surplus lines and unique risks - schools and municipal business Jason Holmes, SVP & Property Practice Leader Jason.Holmes@qbeamericas.com 212.805.9733 Ian Davey, SVP Ian.Davey@qbeamericas.com 212.894.7708 Health Capacity: - $5 Million per person Current Portfolio: - Core lines of business include employer stop loss, participant accident and limited benefit medical - Includes HMO excess, provider excess, student accident/medical, travel accident and ancillary medical products Preferred Business: - Traditional group products - Associations - Worksite marketing products - Student accident, medical - Ancillary benefit/carve-out products - Excess and surplus lines Bermuda Captive: - Ability to provide access to Bermuda domiciled captives Reinsurance: QBE Health is also a leading professional accident and health reinsurance market with the ability to write both quota share and excess of loss reinsurance worldwide Thomas Leonardo, SVP & Health Practice Leader Thomas.Leonardo@qbeamericas.com 212.894.7589 Denise Sheehan, VP Denise.Sheehan@qbeamericas.com 212.894.7527 Special Programs & Affinity Groups Capacity: - Property ($50 Million, including inland marine and boiler/equipment breakdown) - Casualty ($5 Million, including umbrella and auto) Current Portfolio: - Ability to offer admitted and E&S multi-line product capabilities in 50 states. Preferred Business: - Specialty niche focus on small-to-medium sized programs - Customization of programs for specific industry groups - Business can be written in-house or through general agent partners - Assist agents in transition from retailer to program administrator - Emphasis on short-tail lines of business Stephen Fitzpatrick, SVP Stephen.Fitzpatrick@qbeamericas.com 630.250.5501 Mitch Luedtke, VP Mitchell.Luedtke@qbeamericas.com 800.773.9980 ext. 553 Jim Murakami, AVP James.Murakami@qbeamericas.com 913.338.0604 ext. 12 Specialized Personal Lines Current Portfolio: - Specialized, niche personal auto and homeowners products Preferred Business: - Niche personal auto products - Agents with niche specialty products and sophisticated systems to make quick, informed pricing adjustments - Agents that have a demonstrated profitable historical track record Fabian Burstyn, SVP & Personal Lines Practice Leader Fabian.Burstyn@qbeamericas.com 212.805.9770 Trade Credit Capacity: - $200 Million per obligor Current Portfolio: - Domestic and export trade credit (commercial and political risks) specializing in “non-cancelable” coverages through our main product types, excess of loss, key account and specific account policies. Preferred Business: - Excess of loss programs targeted at U.S. corporations generating revenues greater than $50 million willing to accept the concept of a risk sharing partnership - Companies with strong credit management controls, who are looking to complement their own in-house skills and competencies with the flexibility of a significant amount of discretionary credit limit authority tailored to their unique requirements and designed to provide them the ability to manage their day-to-day credit management decisions Edward Ashby, SVP & Credit and Surety Practice Leader Edward.Ashby@qbeamericas.com 212.894.7744 Anna Marro, VP Anna.Marro@qbeamericas.com 212.894.7783 Program Parameters: Specific to specialty, but parameters typically include Program Manager receptive to risk share; have operational experience, ability to utilize our Management Information System; produce and market business. Please describe your company’s program strategy: Our Program Strategy is to grow the existing book of business; we will only add to our existing portfolio if the opportunity is within our appetite and increases our bottom line profitability. Please describe your company’s program appetites (please include LOB’s and States): By specialty practice. Programs your company will not consider: By specialty practice. Minimum Annual Written Premium Considered: By specialty practice. Other Program Consideration/Submission Criteria: Program Administrator Parameters: Technology Expectations of Program Administrators (rating, issuing, report capabilities etc.): We prefer Program Managers to utilize our Management Information System (IntellAgent). If other systems are utilized, the facility must be able to rate, quote, issue, report, invoice, and reconcile all data by interfacing with QBE on a monthly basis. Risk Sharing: Program Managers should be open to participating in a Segregated Cell or “sliding scale” arrangement to assume risk in the programs they manage. Claims: The majority of our Program Mangers utilize 3rd party Claim Administrators. Other: QBE Insurance Group is one of the world’s leading international insurers and reinsurers. Headquartered in Sydney, Australia, QBE operates out of 45 countries around the globe, with a presence in all the key insurance markets. QBE is a highly successful general insurance and reinsurance group committed to building shareholder value. We are considered to be a thought leader in enterprise risk management and have a formal process for strategy analysis and constant monitoring of results. Regardless of the cycle, we continue to focus on underwriting profitability.