Any excess, surplus, and/or specialty lines product or insurance program offered new to the industry. Disclaimer (please read)

Victor O. Schinnerer & Company

Victor O. Schinnerer & Co., Inc. Offers
New Quick Application and Bind Request for Realty Choice Program

Chevy Chase, MD-Victor O. Schinnerer & Company, Inc. is pleased to announce the new Rapid E&O Professional Liability Application and bind request form for its Realty Choice program. The one-page application and bind request form were created to simplify the buying process for small business accounts.

Rapid E&O is designed for residential real estate firms with $150,000 or less in commission income. It offers quick turnaround for added convenience. Firms that qualify can place coverage immediately. It is available in all states except AK, CA, CO, HI, ID, IA, KY, LA, MS, NE, NM, NY, RI, SD and TN.

Victor O. Schinnerer & Company, Inc. is one of the largest and most experienced underwriting managers of professional liability and specialty insurance programs in the world. Schinnerer now serves more than 55,000 insureds in various specialty industries through independent agents and brokers. Learn more about Schinnerer at: www.Schinnerer.com

Contact information: Brandon Burke, Corporate Marketing, (301) 951-9746, Brandon.L.Burke@Schinnerer.com Jim Snyder, Senior Vice President, (301) 961-9851, James.M.Snyder@schinnerer.com.

New Fascia Intake System Solves Ventilation Problems

Wayne, NJ (01/10) - Attic ventilation is probably one of the most neglected areas of home construction and remodeling. All too often not enough thought is given to providing adequate ventilation, especially intake ventilation, to these spaces. That's why GAF Materials Corporation has introduced the Cobra® FasciaFlow™ Premium Intake Vent. It's today's solution to a 100-year-old construction problem.

FasciaFlow™ ventilation's unique and patented design combines the form of a residential fascia board with the function of an intake vent to deliver critical intake ventilation on tough-to-vent homes with little or no soffit/under-eave area. The product provides a full 9 sq. in. per linear foot of NVA (net ventilation area) to help improve the efficiency of virtually any attic ventilation system. It can even help to boost the performance of existing soffit/under-eave vents.

Cobra® FasciaFlow™ Premium Intake Ventilation allows cool air to enter the attic space, which drives warm, moist air out of the attic's exhaust vents. This helps prevent premature roof deterioration, ice damming in harsh winter climates, and roof rot in the attic and roof deck. Positive attic ventilation also helps minimize peeling of interior and exterior paint, limits the growth of harmful mold and mildew, and can even reduce excessive cooling costs in some applications.

FasciaFlow™ Intake Ventilation System allows cool outside air to enter at the fascia-unlike other intake vents that require that openings be cut in parts of the roof deck which are vulnerable to ice dams and wind-driven rain. Cobra® FasciaFlow™ blends in with the most popular residential trim systems, making it virtually invisible after installation. It comes standard in white, but can be painted to match the unique color scheme of any home.

Unlike wood or other traditional fascia materials, it is made of PVC for years of maintenance-free performance. Cobra® FasciaFlow™ ventilation is also a safe choice for homeowners because it typically can support the weight of residential gutters that are fully loaded with rain, ice or snow. An insect guard even helps to protect against unwanted infiltration by birds, insects and other pests.

Cobra® FasciaFlow™ Intake Ventilation System is backed by a 40-year, ltd. Warranty and is part of the GAF-Elk Smart Choice® Roof System Solution that has earned the Good Housekeeping Seal. For more information, visit www.gaf.com.

About GAF Materials Corporation:
GAF Materials Corporation has grown to become the largest roofing and ventilation manufacturer in North America, with sales of nearly $3 billion annually. Its success is driven by a commitment to provide property owners and specifiers with their best and safest choice in roofing, and by helping supportive contractors and distributors to build their businesses and avoid hassles. Its products include a comprehensive portfolio of steep-slope roofing systems (marketed under the GAF-Elk brand) and low-slope roofing systems (marketed under the GAF brand). These products are supported by an extensive national network of factory-certified contractors. The Company also supports the industry through CARE, the Center for the Advancement of Roofing Excellence. CARE's mission is to help professional contractors and distributors to build their businesses through sales and management education, and to provide product and installation training to contractors, distributors, architects, property owners, and related industry personnel. Since its inception, CARE has provided education to over 100,000 professionals.

Beacon Hill Associates

Beacon Hill Associates Offers Workers Compensation Product

PartnerOne Environmental ®, Beacon Hill Associates' underwriting division, is now able to offer Workers Compensation coverage for Fire & Water Restoration and Asbestos Abatement Contractors. Coverage is provided by a group of A-Rated, or better, insurance carriers with an excellent track record of writing and servicing Workers Compensation policies.

"We are excited about the opportunity to provide this quality product that gives agents a chance to move their Workers Comp accounts from assigned risk into a stable program, offering exceptional coverage at a very competitive rate. PartnerOne Environmental ® continues to grow its product line by bringing valuable insurance solutions to our agents and their clients," said Bill Pritchard, President of Beacon Hill Associates, Inc.

PartnerOne Environmental ® is able to write Workers Compensation in the following states: AL, AR, CT, GA, IL, IN, KS, LA, MD, MO, MS, NC, OK, PA, SC, TN, and VA.

For almost two decades, Beacon Hill Associates, Inc. has been a leader in providing environmental liability insurance nationwide. Although the company concentrates primarily on environmental business, it also works with agencies on other technically challenging specialty coverages. The organization has two divisions; the wholesale brokerage department, tasked with pursuing appropriate coverage for agents from several top insurance carriers; and the PartnerOne Environmental ® underwriting division, specializing in assessing risks and offering an array of environmental insurance products.

Additional information on Beacon Hill Associates and its products and services can be found at www.b-h-a.com or by calling 1-800-596-2156.

Insurance Specialty Group, LLC (ISG)

New Comprehensive Program Exclusively for Banks, Investors and Builders with Distressed & Unfinished Real Estate -ISG's Real Estate Proactive Program™

Atlanta, Ga. - Insurance Specialty Group, LLC ("ISG") and Pacific Wholesale Insurance Brokers ("PWIB") have created a product that combines comprehensive commercial general liability insurance, risk management and loss control with a 2-10 Home Buyers Warranty new home, ten year, insured structural defect warranty and complete home inspections. According to Jim Leach, EVP, the new real estate proactive program has already achieved early significant success with major bank clients.

Target market for this program includes banks, and investors involved with buying, completing and selling foreclosed residential and commercial real estate. The program covers finished residential and commercial properties as well as those properties where construction will be completed.

ISG's Real Estate Proactive Program™
There are several features of the ISG Real Estate Proactive Program™. They include ISG's proprietary model of combining general liability coverages with insured structural warranties (designed to capture claims in contract, and avoid tort), Skyetec comprehensive home inspections, and risk management procedures and protocols developed over the last decade by ISG's Asset Protection Program.

Leach explains "This is a very exciting product and opportunity in today's depressed economy. We work closely with the REO owner to maximize portfolio values (by 5-15%, verified by independent sources), minimize costs and exposure, and protect the bank/fund/builder's balance sheet. We discuss and evaluate exposures in view of implied warranty laws and the lender's assumed liabilities in this economy. Importantly, we offer a program and a process; not just an insurance quote."

In addition to the ISG Real Estate Proactive Program™, for which ISG is the Managing General Agent with full underwriting authority, ISG/PWIB has access to several quality surplus lines markets who offer complementary commercial general liability insurance products for banks and investors involved in buying, completing and selling distressed residential and commercial real estate.

About Insurance Specialty Group and Pacific Wholesale Insurance Brokers
Pacific Wholesale Insurance Brokers is a wholly owned subsidiary of Insurance Specialty Group, LLC. Insurance Specialty Group has 11 offices serving clients in over 40 states. Insurance Specialty Group's main office is in Atlanta, GA. Phone (678) 742-6300; FAX (678) 742-6301, www.insurancespecialtygroup.com

National Interstate

National Interstate Announces Partnership with U.S. Rail Insurance Company, Inc. RRG Specialized Liability Insurance Program for the Shortline and Regional Railroad Industry

Richfield, Ohio - National Interstate Insurance Company, a leading provider of alternative risk transfer insurance, announced it has entered the railroad insurance market through a partnership with U.S. Rail Insurance, Inc. RRG. The U.S. Rail Liability Program is an alternative risk management solution available for shortline, regional, and rail affiliated companies throughout the United States. Targeted companies include freight, scenic, rail museums, railroad associations, railroad service companies, railroad protective, and railroad equipment lessors and lessees. The program is administered by United Shortline Insurance Services, Inc. and insurance coverages are offered jointly by National Interstate and U.S. Rail Insurance Company, Inc. In addition to liability, other coverage lines are also available outside of the alternative risk structure through both carriers.

National Interstate and U.S. Rail developed this specialized insurance program designed for best-in-class railroad companies with a commitment to safe operating practices. This unique risk management solution offers many long-term benefits not available through traditional insurance including stable annual insurance premiums, potential return of premium, and enhanced customer service and claims handling.

"National Interstate is extremely pleased to partner with U.S. Rail Insurance Company to bring this innovative insurance program to the railroad industry," said Dave Michelson, President of National Interstate Insurance Company. "We believe this is an excellent opportunity for railroad companies to capitalize on their positive safety records, and realize the many benefits available only through alternative risk management. National Interstate is also excited to add yet another market to our growing captive business which targets specific areas of the transportation industry. We now manage over 27 captive insurance programs representing over 60% of our business as of June 30, 2009."

"U.S. Rail and United Shortline Insurance Services have brought to this important industry a 'New Train of Thought' on how the shortline railroad industry handles its risk management," said Louis M. Schillinger, Chief Executive Officer of United Shortline Insurance Services, Inc. "For the first time in history, a shortline owned, managed, and financed insurance company is focusing its resources on the railroad industry it services with a program designed to provide stable costs and customized coverages for the foreseeable future. Our relationship with National Interstate enhances our program as we are now able to offer customers the added strength of an "A" rated carrier with over 20 years of expertise in transportation and specialty insurance while maintaining the unique opportunity for the policyholders to own a share of U.S. Rail with each policy."

About National Interstate
National Interstate Insurance Company, a wholly owned subsidiary of National Interstate Corporation (Nasdaq: NATL), is a specialty property and casualty insurance holding company Page 1 of 2 with a niche orientation and focus on the transportation industry. We differentiate ourselves by offering insurance products and services designed to meet the unique needs of targeted insurance buyers. Our products include insurance for transportation companies, alternative risk transfer, or captive insurance programs for commercial risks, specialty personal lines consisting of insurance products focused primarily on recreational vehicle owners and small commercial vehicle accounts, and transportation and general commercial insurance in Hawaii and Alaska. We offer our insurance products through multiple distribution channels including independent agents and brokers, affiliated agencies and agent Internet initiatives. Our insurance subsidiaries are rated "A" (Excellent) by A.M. Best Company. Founded in 1989, we are headquartered in Richfield, Ohio with operations in Honolulu, Hawaii, Mechanicsburg, Pennsylvania, and St. Thomas, Virgin Islands.

Contact: Tanya Inama National Interstate Corporation, 877-837-0339, investorrelations@natl.com

About U.S. Rail Insurance Company, Inc. U.S. Rail Insurance Company, Inc. RRG, a Vermont domiciled insurance company and licensed as a risk retention group in 44 states, is the first shortline railroad owned and managed insurance company in railroad history. With its risk sharing partner, National Interstate, it represents the only admitted carrier offering railroad coverage in the US. U.S. Rail is a non-assessable stock insurance company, reinsured with "A" rated reinsurance to a maximum limit of $25,000,000, was licensed in 2007, and founded by United Shortline Insurance Services, Inc. a 24 year veteran of the shortline railroad industry. United Shortline's executive team serves as President and CFO of U.S. Rail with railroad owners managing the company through its Board of Directors

Visit www.usrailinsurance.com for more information.

Rockford Mutual Insurance Company

Connective Technologies, Inc. Announces TEAM-UP Agency Download Contract with Rockford Mutual Insurance Company

Houston, TX, - Connective Technologies announces the contract signing of TEAM-UP(tm) Download with Rockford Mutual Insurance Company ("RMIC") located in Rockford, Illinois for the premier servicing of agency download. With their wide array of both personal and commercial lines offerings and long-standing presence in the Midwest, RMIC is offering the TEAM-UP suite of products to their trading partners. TEAM-UP provides once-and-done processing in an industry compliant, data-secure environment for agency downloads.

Gary Kasakaitas, Information Technology Manager for RMIC stated, "Our selection of TEAM-UP broadens our expansion of agency download to all of our agencies. Our goal is to provide these agents with state-of-the-art, real-time processing efficiencies at a low cost, further promoting our ease of doing business with them."

Dic Marxen, CEO of Connective Technologies adds, "We're excited to bring RMIC on-board. Their presence and reputation in the Midwest communities makes it a privilege for us to do business with them. We look forward to delivering on our commitment for a successful agency deployment of TEAM-UP and are appreciative of their selection of Connective's agency interface solutions."

TEAM-UP Download is an Internet-secure offering being leveraged by more than 55 P&C carriers in providing accessibility to over 28,000 communicating agency pairs using more than 40 different agency management systems throughout every region in the United States. Now in its third major release, the product has matured to ensure agencies have a seamless migration from other download processes. The improved self-reliant features such as single-policy, real-time archival retrievals by the agents, improved group management distribution and tracking features that ease and accelerate the registration process for both agencies and carriers, have been implemented with TEAM-UP's Service Oriented Architecture. This environment ensures a seamless fit into carriers' existing agency portals and incorporates a single-process entry point at the agency for accessing multiple carriers downloads.

About Rockford Mutual Insurance Company:
Rockford Mutual Insurance Company incorporated on December 8, 1971 under the laws of Illinois to become the successor to Rockford District Mutual Tornado Insurance Company. The latter was organized on November 2, 1896 in Illinois and began business on December 1, 1896 as Rockford Farmers' District Mutual Tornado Insurance Company. The word "Farmers" was deleted from the corporate title on January 16, 1940.

Currently, we write Automobile, Homeowners, Farmowners, Umbrella, Commercial, Watercraft and Recreational Vehicle coverage's in Illinois, Wisconsin, Indiana, and Missouri. These product offerings vary by state. Rockford Mutual is committed to the Independent Agency System and all of our business is produced through a network of independent agents who understand the needs of our customers. Rockford Mutual Insurance Company is rated A- (Excellent) by A.M. Best Co. Please visit our website: www.rockfordmutual.com .

About Connective Technologies, Inc.
Connective Technologies, Inc. is a leading provider of e-Commerce business solutions for the property and casualty insurance industry, specializing in Internet interface solutions for carriers and their agents. Connective has used its many years of experience with leading agency management systems and traditional batch EDI to pioneer the approach, which has helped it become the leading provider of bridging and Internet-based interface solutions in the industry. Connective provides implementation services for its flagship products, TEAM-UP Upload, Download, and Translation Solutions, as well as Site Development and Web Services.

To learn more about Connective products and services, contact Dic Marxen at (817) 377-0815, by email at: dmarxen@connectivetech.com, or visit our website at www.connectivetech.com.

Swett & Crawford

SWETT & CRAWFORD INTRODUCES NEW LEASED
EMPLOYEE/TEMPORARY HELP WORKERS' COMP COVERAGE

Atlanta, GA - Building on the company's expertise in the placement of workers' compensation coverage and its depth of experience in Professional Services exposures, Swett & Crawford announced today it is now eligible to submit risks to its new facility for workers' compensation coverage for leased employees and temporary workers.

As the trend toward utilization of leased and temporary employees has grown - an operational business model that helps employers to better manage their labor costs - there has been an increased demand for essential workers' compensation coverage. Until now, the small number of existing markets for this coverage has had limited capacity and access. This new program increases availability and enhances Swett & Crawford's ability to satisfy demand and increase revenues.

Coverage is available on both a single and multi-state basis in all states except Ohio, North Dakota, and Washington. The protection includes employers' liability as well as free access to an on-line risk management program. USL&H is acceptable under the terms of the policy.

The minimum premium is $75,000 with guaranteed cost, large deductible and retrospective rating plans available.

Submission requirements for the new program include:

• Commercial Insurance & Workers' Compensation ACORD application
• Complete Supplemental questionnaire
• Five years' currently valued loss runs where available
• The current experience rating worksheet
• Detailed explanation of all claims over $25,000
• Brochures or promotional information on the insured
• Information pertaining to existing safety programs

About Swett & Crawford
Swett & Crawford, headquartered in Atlanta, Georgia, is the nation's oldest independent wholesale insurance intermediary. The company is owned by its employees and two private equity firms, HM Capital Partners and Banc of America Capital Investors.

In its national network of offices, Swett & Crawford serves independent agents and brokers through specialized Property, Casualty, Oil & Gas/Energy, Professional Services, Transportation and Underwriting Practice Groups. These groups provide access to commercial insurance products and programs, including property and casualty coverages, products liability, professional liability, commercial and public auto liability as well as a host of customized binding authorities and exclusive programs tailored to specific industries, businesses and professionals.

Complete details on the program are available from Ron Boudreaux, Vice President of Swett & Crawford, who can be reached via e-mail at ron_boudreaux@swett.com or by phone at 612.334.2393 or 612.889.0718.

Appalachian Underwriters, Inc. (AUI)

Appalachian Underwriters, Inc. (AUI) Creates new Franchise and Affinity Division

Oak Ridge, TN, - AUI has formed a new Franchise and Affinity Division, to be led by Steve Shelton. This new division will work directly with franchisors, associations, and affinity groups to create endorsed products that meet the specific needs of their members. AUI Franchise and Affinity will have access to the large base of products currently offered by AUI, but will also have the latitude to create new products for specific franchise and association groups.

Prior to joining AUI, Steve Shelton founded Franchise Insurance Specialists, a retail agency dedicated to the franchise niche, and served as President of Sports & Fitness Insurance Corporation, an MGA focused on the health and fitness industry.

Appalachian Underwriters, Inc. is a full service MGA, providing independent agents a National wholesale outlet to multiple specialized markets for Workers' Compensation, Commercial Specialty, and Personal Lines of insurance. To learn more about Appalachian Underwriters, Inc. please visit www.appund.com .

Anyone interested in learning more about our AUI Franchise and Affinity capabilities is encouraged to call; Steve Shelton at (601) 594-1532, or by email to steve.shelton@appund.com.

Beacon Hill Associates

Beacon Hill Associates Offers Workers Compensation Product

PartnerOne Environmental ®, Beacon Hill Associates' underwriting division, is now able to offer Workers Compensation coverage in conjunction with General Liability and/or Contractors Pollution Liability for qualified risks. Coverage is provided by a group of A+ Rated insurance carriers with an excellent track record of writing and servicing Workers Compensation policies.

"We are excited to be able to provide this quality product to our agents, giving them the opportunity to move their Workers Compensation coverage from assigned risk carriers into a stable and more cost competitive admitted market." said Bill Pritchard, President of Beacon Hill Associates, Inc. "PartnerOne Environmental ® continues to grow its product line by bringing valuable insurance solutions to our agents and their clients," said Pritchard, "helping us fulfill one of Beacon Hill's core goals."

PartnerOne Environmental ® is able to write Workers Compensation in the following states: AL, AR, CT, GA, IL, IN, KS, LA, MD, MO, MS, NC, OK, PA, SC, TN, and VA.

For almost two decades, Beacon Hill Associates, Inc. has been a leader in providing environmental liability insurance nationwide. Although the company concentrates primarily on environmental business, it also works with agencies on other technically challenging specialty coverages. The organization is split into two divisions; the wholesale brokerage department, tasked with pursuing appropriate coverage for agents from several top insurance carriers; and the PartnerOne Environmental ® underwriting division, specializing in assessing risks and offering an array of environmental insurance products.

Additional information on Beacon Hill Associates and its products and services can be found at www.b-h-a.com or by calling 1-800-596-2156.

Norman Spencer International Inc. (NSII)

NSII Announces New E&O Insurance Program for Roofing Industry

Chicago, IL - Norman-Spencer International, Inc. and the National Roofing Contractors Association (NRCA) have come together to provide Professional Errors & Omissions (E&O) insurance coverage for roofing consultants as well as roofing contractors.

The roofing consultant can find traditional architects and engineers coverage recognizing their professional services defined broadly as roofing consultant with coverage for bodily injury and property damage starting at $2,010.

The roofing contractor can also find traditional professional liability insurance in a miscellaneous form recognizing the gap in many CGL policies which exclude coverage for these services. Communication is crucial, as many contractors do not realize the uninsured risk as the role of the roofing contractor has shifted with the industry moving to roofing systems in response to energy conservation and the green movement. More and more contractors are involved in design and in sub-contracting design, with the attendant vicarious liability. The miscellaneous form excludes bodily and injury; however, the A&E form is also available to the contractor where needed. Premium is affordable, too, starting at $1,675.

Members and nonmembers alike are welcome, as well as start-up companies.

The new P.ROOF (Professional Roofing Liability) insurance program is underwritten by an A+ A.M. Best carrier with national credibility and longevity and is available to your clients now.

For immediate access to this new market please contact NSI at 1-800-842-3653 ext. 223 or visit www.normanspencer.com for more information.

About Norman-Spencer International, Inc.: Domiciled in Illinois, headquartered in Lombard. NSII is a national recognized insurance services firm.

Swett & Crawford and CNA

Swett & Crawford and CNA Join to Bring to Market
New Equipment Breakdown Coverage National Program

Atlanta, GA, - The Swett & Crawford Underwriting Practice Group, and CNA have collaborated in the development of a new nationwide program for Equipment Breakdown Coverage open to more than 450 eligible classes.

Written on a comprehensive form, the new program covers boilers, pressure vessels, mechanical and electrical machines including air conditioning and refrigeration equipment, electrical apparatus and electronic computer or electronic data processing equipment at up to 50 locations per account. Total insured value of the equipment at each location cannot exceed $10 million in the standard coverage program; higher limits and coverage changes are available on a referral basis. Minimum premium per location ranges from $300-$950. Classes falling outside of the 450 defined classes can also be underwritten within the scope of this new Equipment Breakdown program.

Included in the program is a broad range of sub-limits for water damage, ammonia contamination and hazardous substances, expediting expenses, consequential loss, data and media, spoilage, utility interruption and other exposures. Business income loss including extra expense and ordinary payroll coverages are included with Property Damage. State and City Jurisdictional Inspections will be provided by CNA as it relates to Boiler and Pressure vessels.

Margaret Zechlin, Executive Vice President of the Swett & Crawford Underwriting Practice Group, describes the impetus for this joint effort. "This program was the direct result of a need identified by our Property Practice Group. We are very pleased with CNA's commitment to the program and collaboration with Swett & Crawford in making it competitive."

Jerry Liebers, Vice President of CNA's Equipment Breakdown Department adds, "We have always worked closely with Swett in providing Equipment Breakdown Coverage and look forward to taking this success to a new level."

About Swett & Crawford
Swett & Crawford, headquartered in Atlanta, Georgia, is the nation's oldest independent wholesale insurance broker. The company is owned by its employees and two private equity firms, HM Capital Partners and Banc of America Capital Investors.

In its national network of offices, Swett & Crawford serves independent agents and brokers through specialized Property, Casualty, Oil & Gas/Energy, Professional Services, Transportation and Underwriting Practice Groups. These groups provide access to commercial insurance products and programs, including property and casualty coverages, products liability, professional liability, commercial and public auto liability as well as a host of customized binding authorities and exclusive programs tailored to specific industries, businesses and professionals.

About CNA
Serving businesses and professionals since 1897, CNA is the country's seventh largest commercial insurance writer and the 13th largest property and casualty company. CNA's insurance products include standard commercial lines, specialty lines, surety, marine and other property and casualty coverages. CNA's services include risk management, information services, underwriting, risk control and claims administration. For more information, please visit CNA at www.cna.com. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products may not be available in all states. CNA is a registered trade mark of CNA Financial Corporation.

Contact: Jennifer Pinto, Swett & Crawford; Jennifer_pinto@Swett.com, 212.618.0182

Bukaty Companies

Do you know someone in the market for individual or family health insurance coverage? Finding the best health rates in Kansas City has never been easier. Log onto www.besthealthrateskc.com today!

For more information contact: Sarah Miller Marketing Manager, Bukaty Companies, 11221 Roe Ave., Leawood, KS 66211, Phone: 913.345.0440, Toll-Free: 888.657.0440, Fax: 913.345.2608, www.bukaty.com.

Izzo Insurance Services, Inc.

NEW INSURANCE PROGRAM FOR THE BEAUTY INDUSTRY!

Izzo Insurance Services, Inc. of Elmwood Park, Illinois announces a new multi-state insurance program for the beauty industry. The program is specifically designed for cosmetic manufacturers, cosmetic distributors, beauty/barber schools, beauty salons, barber shops, nail salons and spas including (massage, tanning, piercing, electrology and slenderizing). The coverage includes professional liability, products liability, general liability, property and workers' compensation. The program is written on admitted paper and is underwritten by Star Insurance Company, a subsidiary of the Meadowbrook Insurance Group, Inc. and rated A- (Excellent).

For more information contact Byron O. Sinclair, Beauty Industry Program Manager at BSinclair@IzzoInsurance.com or call direct at (708) 395-0708 toll free at (800) 800-1704.

Insurance Specialty Group, LLC

Atlanta - Insurance Specialty Group, LLC (ISG) has partnered with several homebuilding specialist firms and contractors in founding Home Builder Specialty Group (HSG). Home Builder Specialty Group provides lending institutions and real estate investors a turn-key solution for unfinished single and multifamily residential construction projects taken over due to developer and builder foreclosures.

How this Turn-Key Process Assists
Through the Home Builder Specialty Group, lending institutions and real estate investors can access a 'one stop shop' to complete the projects and prepare them for sale. The services offered include: project valuation, expert construction, inspection and repair of partially and fully completed homes, support systems and reporting, landscape architectural enhancement, mold inspection and mitigation.

ISG brings risk management and comprehensive insurance exclusive to this program with their Asset Protection Program "APP." APP combines the nation's leading framing and foundation structural warranty with general liability coverage which is designed to protect a bank or investor's assets against construction defect claims and related litigation. APP provides the tools for the bank or investor to capture construction liability exposure in contract law versus "tort" law.

"With the turn of events in the construction industry, banks and investors are assuming new risks such as "construction defect" issues which are not typically covered by traditional insurance policies. Our goal with the Home Builder Specialty Group program is to get the banks back into the lending mode while maximizing the value of their underlying real estate asset," says Jim Leach, executive vice president of ISG.

About HSG Asset Solutions
For more information view the Home Builder Specialty Group website at www.HSGassetsolutions.com. or call or email Jim Leach at 678-742-6335 or jleach@isgins.com

About ISG
Insurance Specialty Group, LLC, headquartered in Atlanta, Ga., is a national wholesale and underwriting insurance firm with 10 offices located in New York N.Y., Hartford Conn., Atlanta Ga., Chicago, Ill., Dallas, Texas, Boca Raton, Fla., Burbank Calif., and Los Angeles, Calif. The brokerage division (PWIB) offers admitted and non-admitted markets for general property and casualty risks. The professional liability division (ELM) offers admitted and non-admitted markets for D&O, EPLI, crime and E&O risks. Additionally, ISG's underwriting division has various underwriting agreements for many classes of business including general liability; excess liability and builders risk for residential homebuilders and auto liability; and general liability and environmental liability for specialty programs such as the waste hauling industry.

For more information about Insurance Specialty Group, LLC visit www.insurancespecialtygroup.com. For professional liability information go to www.e-o.com

Victor O. Schinnerer & Company

Victor O. Schinnerer & Company, Inc. Offering New Credit for AIA and NPSE Members

Chevy Chase, MD - As part of its continued commitment to the American Institute of Architects (AIA) and the National Society of Professional Engineers (NSPE), Victor O. Schinnerer & Company, Inc. announces a premium credit for AIA and NSPE members.

Qualifying architect and engineer firms with up to $5 million in billings and an acceptable loss ratio are eligible for a premium credit of up to 5 percent. Filing of this credit is underway and will be applicable once approved in each state.

Schinnerer's program is the commended insurance program for both the AIA and NSPE and has insured architects and engineers since 1956.

For more information on our program for Architects and Engineers please visit www.PlanetAEC.com or www.Schinnerer.com.

Guard Insurance Group

GUARD Offers Agents New Products for Small- to Mid-Size Businesses

GUARD Insurance Group is now accepting businessowner's policy (BOP) submissions in Pennsylvania and New Jersey as well as commercial auto in PA. Over the next several years, the company plans to introduce these new products in additional states as a natural complement to GUARD's traditional specialty - workers' compensation insurance. Although the company plans to market these policies through an existing network of contracted independent agents and brokers, producers with substantial books of smaller commercial accounts are encouraged to contact the company about possible representation.

GUARD's new and growing family of commercial products is bundled under the trademarked name - the GUARD Business Shieldsm. The group's businessowner's policy is ISO-based and has been customized to include numerous increased limits and extensions. Although GUARD has targeted several vertical markets (including restaurants, retail goods and services, professional offices, artisan contractors, and certain habitational accounts), a variety of other classifications are considered. The group is generally looking for risks with a per-location combined building and business personal property value of up to $5 million.

GUARD's commercial auto product is a traditional ISO-based policy that targets the same audience as the classes identified for businessowner's coverage. While supporting lines are preferred, monoline policies are considered. Smaller fleets, local and intermediate travel, and vehicle values of $75,000 or less are typical of the kind of accounts sought.

According to Executive Vice President of Insurance Operations Marshall Kornblatt, "GUARD actively writes workers' comp coverage in 26 jurisdictions. By the middle of 2009, our plan is to introduce the GUARD Business Shield in select states as a comprehensive insurance solution featuring multiple lines of coverage able to address all of the characteristic needs of smaller businesses - our chosen niche within the insurance marketplace."

"For the past twelve months," stated Chief Executive Officer Sy Foguel, "we have been in the process of getting a full complement of products launched in Pennsylvania and New Jersey, making sure we have the right balance among price, service, and protection to be successful. We expect this phase of our work to be done over the next couple of months. Going forward, our goal will be to systematically roll out our complete multi-policy GUARD Business Shield to several additional states throughout our operating area per year. I believe the timing is right. The current soft market seems poised to harden over the next 18 months. As capacity becomes scarce, we believe both producers and policyholders will welcome the opportunity to address all of their coverage needs through a known and familiar source. GUARD has a history of being an open, reliable, and secure market through all kinds of industry cycles."

Rated A- "Excellent" by A.M. Best Company (an internationally recognized source of independent performance information), GUARD Insurance Group has four insurance company subsidiaries - AmGUARD, EastGUARD, NorGUARD, and WestGUARD - and is licensed in 45 jurisdictions. The organization has written workers' compensation premiums of approximately $200 million dollars over each of the past three years with additional growth planned in 2009. GUARD's resources are augmented by those of a strong parent organization. In May of 2007, the company was acquired by Clal Insurance Enterprises Holdings, Ltd., an international operation with direct written premiums of $2 billion.

Producers interested in contacting GUARD about possible appointments can call 1-800-673-2465, extension 4567, or can visit www.guard.com.

Victor O. Schinnerer & Company

Schinnerer Announces Revamped Technology E&O Program

Chevy Chase, MD - Victor O. Schinnerer & Company, Inc. is pleased to announce a new TechVantage policy, launched on January 1, 2009. The new policy is with Scottsdale Insurance Company, an A+ rated carrier and will be offered on both an admitted and non-admitted basis in all states.

The filings for admitted paper are expected to begin in the first quarter of 2009. Independent agents and brokers who have expressed an interest in the program will be notified as states approve the admitted policy. Current approval status can also be found at www.PlanetTechVantage.com.

Target classes of business for TechVantage are:

• Custom programmers
• Web designers
• IT consultants
• Internet service providers
• Data processors
• Network communication providers
• System designers
• Value added sellers
• Companies that host websites

Schinnerer can write firms with up to $50 million in revenues as well as start-up firms with experienced principals.

The base policy includes coverage for personal injury, failure to prevent unauthorized access to a customer's system, punitive damages, annual aggregate deductibles, worldwide coverage for suits brought in the U.S., and much more.

"This is a policy designed specifically for technology companies," said John Ajello, program manager for TechVantage, "and this program gives our brokers the flexibility they need to compete in today's insurance market. In addition to the base form, we can consider options like IP infringement coverage, defense in addition to the limits, coverage for privacy breaches, and worldwide coverage. We are thrilled to be working with Scottsdale Insurance Company and look forward to building a world-class E&O program with them."

Victor O. Schinnerer & Company, Inc. is one of the largest and most experienced underwriting managers of professional liability and specialty insurance programs in the world. Schinnerer now serves more than 55,000 policyholders in various specialty industries through independent agents and brokers. Learn more about Schinnerer at: www.Schinnerer.com.

Victor O. Schinnerer & Co., Inc., Two Wisconsin Circle, Chevy Chase, MD 20815-7022, Phone: 301-961-9800, Fax: 301-951-5444, Website: www.Schinnerer.com, Email: vos.info@Schinnerer.com.

For more information on TechVantage visit www.PlanetTechVantage.com or www.Schinnerer.com.

Program Contact: John Ajello, Senior Vice President (301) 951-9755, John.L.Ajello@Schinnerer.com; Marketing Contact: Mary Jefferson, Corp. Marketing (301) 951-9798, Mary.L.Jefferson@Schinnerer.com

Victor O. Schinnerer & Company

Schinnerer Announces Its Forest Products Program

Chevy Chase, MD - Victor O. Schinnerer & Company, Inc. is pleased to announce its newly acquired Forest Products program.

The program offers insurance coverage for an array of forest management professionals. They include timberland owners, loggers, log and chip haulers, and sawmills. Schinnerer, along with its A rated carrier, offers general liability loggers broadform property damage, automobile, crime, inland marine, property, and umbrella coverage to these clients.

Started in 1977, the program has been endorsed by a leading logging association for 30 years. The program is based out of Schinnerer's Sacramento, California office, also newly acquired.

The Forest Products program is currently available in AK, AZ, CA, CO, CT, DE, HI, IA, ID, IL, IN, KS, MA, MD, MI, MN, MO, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SD, UT, VT, WA, WI and WY, with plans to expand. Coverage is available on an admitted basis.

For more information visit http://www.Schinnerer.com or call the appropriate contact: Program Contact: Dawn Eichelkraut, Vice President (916) 286-5311, Dawn.Eichelkraut@Schinnerer.com. Marketing Contact: Mary Jefferson, Corporate Marketing (301) 951-9798, Mary.L.Jefferson@Schinnerer.com

Victor O. Schinnerer & Company, Inc. is one of the largest and most experienced underwriting managers of professional liability and specialty insurance programs in the world. Schinnerer now serves more than 55,000 policyholders in various specialty industries through independent agents and brokers. Learn more about Schinnerer at: www.Schinnerer.com.