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1 Get It Done Right. Now. Your Partner in Success
2 Company Overview All Risks, Ltd. (ARL) was established in 1964 in Baltimore, MD Accounts are placed with A.M. Best A- or better rated carriers Breadth and depth of products Licensed nationwide Provide surplus lines filings & tax payments in all 50 states and Washington D.C. Commitment to continued build out of capabilities and corporate reinvestment in growing resources Rankings Largest Independent Property & Casualty Wholesaler in the country 5th Largest Property & Casualty Wholesaler in the United States (according to Business Insurance) Growth has outpaced peer group for 22 years Over 650 Employees 25 Offices in 15 States Phoenix, AZ San Francisco, CA Ft. Lauderdale, FL Jacksonville, FL Jupiter, FL Miami, FL Orlando, FL Ormond Beach, FL Tampa, FL Atlanta, GA Chicago, IL New Orleans, LA Hunt Valley, MD St. Paul, MN Princeton, NJ New York, NY Charlotte, NC Philadelphia, PA York, PA Austin, TX Dallas, TX Alexandria, VA Richmond, VA Seattle, WA Tacoma, WA All Risks Promise to Partners To Retail Agents & Brokers: Through careful focus and resource allocation, All Risks will become the best wholesale resource available to our clients. To Carriers: We will never be guilty of failing to furnish information that is germane to underwriting a risk. $1. 2Billion $1Billion Millions $800 $600 $400 $200 $ ARL Premium Years Projected
3 Products Full Service Platform of Brokerage/MGA/Programs/Personal Lines Brokerage Units identify exposures and secure the most favorable terms to larger, more sophisticated accounts Middle market and large account capabilities MGA quotes, binds, issues and services policies with admitted and non-admitted markets, representing the widest array of specialty carriers Specialty Programs are exclusive, have extensive authority, provide deep product and industry knowledge with multi-line capability at competitive rates Admitted and non-admitted specialty Personal Lines products available nationwide NAPSLO Nicholas Cortezi, All Risks CEO, President of National Association of Professional Surplus Lines Offices (NAPSLO) Matthew Nichols, All Risks President, President of NAPSLO Why Choose All Risks? 100% Commitment to you Nationwide Presence Successful Growth Rate Superior Service Independence Partnership Mentality More Top Markets Full Line of Products Expertise Dependable Infrastructure All Risks shines in all important criteria: service, expertise, longevity, willingness to think outside the box, and find solutions that make sense. Some firms lose their personal touch when they grow, but All Risks has maintained its culture and the edge needed to grow intelligently. All Risks knows our business as well as its own. - Tom Carroll Diversified Insurance Industries, Inc.
4 Get It Done Right. Now. A L L R I S K S, T H E I N D E P E N D E N T W H O L E S A L E I N S U R A N C E PROVIDER THAT OFFERS YOU MORE Binding Authority / MGA All Risks, Ltd. has several in-house contracts with the ability to quote, bind and issue. We represent, under binding authorities, the widest array of specialty carriers available with A+ A.M. Best ratings. Minimum premiums are low and quote turn-around is quick. Binding lines of coverage include General Liability, Property, Inland Marine, Package, Liquor and Professional Lines. Brokerage Services For larger or more complex risks, All Risks works with the top Brokerage markets in the industry to help secure the most favorable terms possible. Brokerage strengths include, but are not limited to, General Liability, Large Property Risks, Professional Lines, Pollution and Excess / Umbrella. Minimum premiums vary by line of business and class. General Liability Bars / Restaurants / Nightclubs Caterers / Halls Clubs - Social, Civic, Nonprofit & Hunt Contractors - General Contractors & Artisan Day Cares - Children & Adult Day Care Discontinued Products Habitational - Apartments, Condos & Rental Dwellings Home Health Care & Assisted Living Facilities Homeowners & Condo Associations Landscapers / Tree Trimmers Lessors Risks Manufacturing Risks Medical Transport - Emergency & Non-Emergency Mobile Home Parks Pharmaceuticals / Nutraceuticals / Dietary Product Risks - Manufacturers & Distributors Retail & Mercantile Risks Salvage Yards / Recyclers Schools Social Service Facilities - Homeless Shelters, Halfway Houses, Crisis Centers & Rehab Centers Special Events - Parties, Festivals, Concerts & Fairs Vacant Buildings / Vacant Land Construction Artisans / Subs & GC s (Residential/Commercial) OCP s & Owners Interest Owner / Contractor Controlled Insurance Programs (Wrap-ups) & Project Specific Policies EIFS Contractors Roofers / Framers / Siding / Window Contractors Infrastructure Contractors Excess Capability And More Excess / Umbrella Large Limits Available for Most Classes Layering Available if needed Environmental / Pollution Liability Abatement Contractors - Lead, Asbestos & Mold Environmental and Non-Environmental Contractors Underground Storage Tanks Property MGU Nationwide excluding KY In-House Binding for Middle Market Property 100% TIV Risks, Primary (First Loss), Excess Loss-Buffer Substantial Capacity for Broad Range of Classes Property & Inland Marine Bars / Restaurants / Nightclubs Builders Risks Coastal Properties including Wind Contractors Equipment Schedules & Misc Inland Marine Deductible Buybacks DIC (Earthquake / Wind) Earthquake including California Habitational - Apartments, Condos & Rental Dwelling Hotels / Motels Lessors Risks Manufacturing Risks Residential Care Facility - Assisted Living Homes & Nursing Homes Shopping Centers / Strip Malls Vacant Buildings Warehouses Liquor Liability Bars / Restaurants / Nightclubs Special Events Monoline or Package Assault & Battery Available Professional Lines E&O, EPLI, D&O, Tax Liability, Fiduciary, Crime, Etc. Assisted Living Facilities / Long Term Care Financial Institutions Groups: Doctors, Therapists, Locum Tenens Home Health Services Home Inspectors Individual High Risk Doctors Lawyers Management Consultants Medical Professionals Mental Health Facilities Miscellaneous Professional Risks Mortgage Brokers Nursing Homes Private / Public / Nonprofit Organizations PEO (Professional Employer Organizations) Real Estate Agents / Brokers / Property Managers Technology Professionals
5 National Specialty Programs Our National Specialty Programs Unit offers proprietary programs nationwide. We offer in-house binding authority, multi-line capability and coverage among the broadest available in the insurance industry. Industry Groups: Accountants Professional - CPAs, enrolled agents, general accounting practices, tax preparation firms, bookkeepers, part-time practices Alarm Companies - Commercial & residential monitoring, installation, sales & service for fire, burglar, key control, CCTV, temperature and water control Architects & Engineers Professional - Architects - Interior design, landscape, golf courses, surveying Engineers - civil, electrical, mechanical, structural, HVAC, traffic, plumbing, fire protection, acoustical, forensic General - Lab testing, expert witness, construction management Assisted Living - Assisted living centers including memory care Coin-Operated Laundry & Dry Cleaners - Coin operated laundries & dry cleaners including 24 hour and unattended Dealers Physical Damage - Franchised (new) auto, motorcycle & truck dealers, RV dealers, ATV dealers, and large non-franchised dealers Fire & Water Damage Cleanup - Contractors specializing in clean up of residential & commercial properties after fire, water or smoke damage to include mitigating mold or mildew Fire Suppression & Sprinkler Contractors - Sales, service, installation, repair, monitoring, and testing of wet or dry sprinkler equipment, chemical systems, system design, and fire extinguishers Garage - Non-franchised used car dealers, valet services, wholesale auto dealers/brokers, motorcycle, RV, & heavy duty truck dealers & repair, auto repair operations to include gas stations, full service car washes Golf Courses - Public golf courses, daily fee courses, private country clubs, semi-private golf clubs, resort courses Ice Rinks - Indoor/outdoor ice rinks to include: synthetic ice surface, restaurant/snack bar, equipment/sporting goods store, ice hockey, ice skating & figure skating camps, leagues, clinics, & tournaments, non-ice related sports Insurance Agents Errors & Omissions - Insurance agents and brokers, TPA, MGA, MGU, program administrators, captive managers, reinsurance intermediaries and hybrids Marine - Commercial Marine including - Ship repairers, marine contractors, terminal operators, marina s, boat dealers, marine artisans, freight forwarders, boat builders & more Pawn Shops - Pawn shops including gun sales Pest Control Operators - Pest control, fumigation, termite control/inspection, small animal control Private Investigation - Background checks, insurance fraud, credit checks, criminal & civil investigation, surveillance & consultants REO / Force Placed - Commercial banks, credit unions, savings and loans, mortgage banks and financial institutions that service and/or invest in mortgage loans Security Guards - Armed & unarmed security guards, industrial, institutional, mid-high income housing, banks, office buildings, patrol work and construction sites, includes county, state & government facility contracts Special Events (thru Alive Risk) - Events up to 5,000 attendees per day, beer gardens/tents, car shows, concerts/musicals, conventions/trade, festivals, fund raisers, motor vehicle events, parades, parties, performances, picnics,,shows/exhibits, sporting events, weddings/receptions Staffing Services - Temporary, temp to hire, direct hire, PEO, ASO. Industry sectors - clerical, professional/technical, hospitality, skilled trades, medical, and transportation Staffing Services - Temporary, temp to hire, direct hire, PEO, ASO. Industry sectors - clerical, professional/technical, hospitality, skilled trades, medical, and transportation Storage Facilities - All storage related operations, including traditional self storage, mobile, boat, and RV storage Tattoo & Body Piercing Artists - Tattoo parlors, body piercing facilities including jewelry sales, permanent make-up Warehouses - Public & contract warehouses, distribution/logistics providers, document storage facilities Personal Lines Located in Richmond, VA Office Homeowners, Dwelling Fire, Builders Risk & Vacants (Non-Admitted) - Coastal, Older or Unprotected Homes of All Value Ranges; Property, Liability, Excess Flood, Umbrella/Excess Liability, All Available Nationwide High Net Worth Clients (Admitted & Non-Admitted) - For $350,000+ Homeowners and the Entire Personal Lines Account, Available Nationwide excluding FL Personal Umbrella & Liability (Admitted & Non-Admitted) - Personal Umbrella Limits up to $10M, Personal Liability Limits up to $1M, Available Nationwide (Admitted - 37 states including CA & NY and Non-Admitted excluding CA & NY) Web Quoting Tools Available at Public Livery Located in York, PA Office Highlights - Liability - combines single limit up to $5,000,000 - Uninsured / Underinsured Motorists - Hired & Non-owned Auto Liability - Hired Car Physical Damage - General Liability - Complete & Immediate I.C.C. & P.U.C. Filings - A Rated Carriers - Excellent Claims & Loss Control Services Classes Corporate / Airport Transfer Hotel & Airport Shuttle Non-Emergency Transportation School Bus Contractors Employee Transportation Adult Day Care Operations Signtseeing & Tour Operations Courtesy Van / Bus Funeral Service Limousines Taxis Bingo Buses Casino Buses Inter City Buses Daycare Operations States AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, IL, IN, KS, KY, LA, ME, MD, MI, MN, MS, MO, NE, NH, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV, & WI
6 Independence Established in 1964 and privately held. Our security is 100% based on our shared commitment to All Risks success. Guiding Principles These principles provide the framework that our organization follows from strategic initiatives down to the manner in which we work with our client partners. We promise to focus on generating profitable results for these partners. Employees We pursue only the best and brightest talent. We continue to drive our employees to gain additional technical skills through classes and industry designations. Training Programs All Risks University and Internship programs have been successful from the onset. We recruit top college students, pursuing a degree in Insurance or Risk Management, as underwriters and brokers. Together, we determine the field office that best meets their talents and our needs. Accountability and Integrity Our philosophy is to hold our employees accountable for operating with integrity and representing our customers clients with the highest possible levels of service and excellence. We will always provide pertinent information we have regarding any risk being submitted. Client Partners We carefully select our broker client partners and allocate resources where our abilities and interests best match. We select only professional, financially sound retail brokers who support a partnership with All Risks and agree to meaningful volume goals. Full l Service e Platform P of o Brokerage/MGA/Programs/Personal r rogra s ersona Lines Providing customer solutions that fit the smallest commercial buyer to the largest global industry. We have the breadth and depth of products plus the staff with experience in developing those solutions. Expectations E e i n Our company will continue to grow faster than the competition regardless of the insurance industry cycle. Branch Offices Over 650 employees staff our full service offices in Phoenix, AZ; San Francisco, CA; Ft. Lauderdale, FL; Jacksonville, FL, Jupiter, FL; Miami, FL; Orlando, FL; Ormond Beach, FL; Tampa, FL; Atlanta, GA; Chicago, IL; New Orleans, LA; Hunt Valley, MD; St. Paul, MN; Princeton, NJ; New York, NY; Charlotte, NC; Philadelphia, PA; York, PA; Austin, TX; Dallas, TX; Alexandria, VA (DC Metro); Richmond, VA; Seattle, WA and Tacoma, WA. Largest Independent Wholesale Broker in the Country as printed in Business Insurance s 2013 Directory of Insurance Wholesalers
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