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DocuSign Envelope ID:A4C366A3-F5D9-473B-9218-AF49BCCA02E0 <br /> Sample Markets for Public Entities & Governments Major Lines of <br /> Coverage <br /> AIG Primary & Excess Casualty, Property <br /> ACE Limited Primary & Excess Casualty, Property ert <br /> Affiliated FM Property <br /> . . .................. - <br /> Brit Excess Casualty, Property <br /> CNA Primary Casualty, Property <br /> . . .. ............ <br /> Starr Insurance Primary Casualty <br /> Ironshore Primary Casualty <br /> Genesis Primary Casualty <br /> Travelers Primary & Excess--Casualty,,Property <br /> ............ ... .......... <br /> One Beacon Primary Casualty <br /> Great American Excess Casualty <br /> . ......... <br /> The Hartford Prope�qy <br /> Liberty 11 I I 11 Mutual,, Property and Excess Workers' <br /> Compensation <br /> Midwest Employers Excess Workers' Compensation <br /> Safety National Casualty Corp Excess Workers' Compensation <br /> Munich American Primary Casualty <br /> Zurich Financial Services Group Property, <br /> On accounts with the size and' of Orange County, most <br /> agents/brokers would assign the entire placement to a wholesaler. This is done <br /> because they either lack the expertise or do not have access to sufficient <br /> standard markets to directly make the placement. The "hidden cost" of this type <br /> of placement by way of commission paid to the wholesaler is ultimately pushed <br /> back to the client. Because of our internal expertise and vast access to all <br /> standard markets, we will directly place a significant percentage if not all of the <br /> coverage through those markets. A wholesaler will only be used to access those <br /> markets that have exclusive relationships with the wholesaler or for required <br /> non-admitted/excess and surplus lines carrier participation. This approach <br /> reduces the amount of premium placed by the wholesaler as well as the <br /> corresponding commissions that would be earned by the wholesaler. To <br /> minimize your cost, we typically limit a domestic wholesaler's commission to no <br /> more than 5%-7% of the premium as opposed to the standard of 12,5% to 17%. <br /> 4. BROKER &HM-1. PROVIDE CONTINUITY OF SERVICES, BY ASS�GN�NG A PIRMIARY <br /> ......................... <br /> IBRQKEl`s AND A BACK-LIP BROKER WHO ffl t. BE <br /> a,, KNOWLEDGEABLE IN T1 IE PRINC�P[,ES AND PRACTICES OF' ENTERPMSE RISK <br /> ............. <br /> MANAGEMENT AND SPECIFICALLY RISK F�NANC]NG FOR PLJBL�C ENTH"IES <br /> b. FAWLIAR W111FTHE COLINTY A,:,A RMK <br /> C1. AcCESSISI-E..,ro'rFIE COUNTY ON SHORT r�n,rICE, <br /> d. I 1410ROUGHLY KNOWLEDGEABLE AND COMP ETEN'T P4 INSURANcE <br /> Orange County—Request for HI-Ck8F QUalificadons and Conceptual Prcposal-Septernter 23,20 4 <br />