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Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are the D&O Experts Access to over 60 markets Ability to provide customized coverage enhancements not available in the general market place. From the smallest private firm to the largest public Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account What is Directors & Officers Liability Insurance? D&O coverage provides protection for Directors and Officers from claims alleging that they have made improper decisions or failed to make proper decisions in their capacities as Directors and Officers. This coverage now also extends at some level to the entity as well as to other employees, while continuing to provide the necessary protection for Directors and Officer managing their companies in this litigious environment. Why do I need Directors & Officers Liability Coverage? As a Director or Officer, this policy will protect your personal assets when corporate indemnification is not available to you. Plaintiffs may attack personal assets in litigation stemming from alleged mismanagement of a corporation by you or other board members. Whether damages occurred as a result of your actions , or you were an innocent party, defense costs alone can be substantial. Categories of Directors & Officers - Public Company Directors & Officers Professional Liability Insurance - Private Company Directors & Officers Professional Liability Insurance - Non-Profit Company Directors & Officers Professional Liability Insurance Locations: Contact Info: ARC Excess & Surplus, LLC Phone: 516-408-5751 E-Mail: [email protected] ARC MidAtlantic Excess & Surplus, Inc. Phone: 856-401-8070 Stan Quirk - [email protected] Bruce Davis - [email protected] ARC Excess & Surplus of New England, LLC Phone: 860-793-9333 Scott Farrell - [email protected] Tom McGraw - [email protected] ARC West Coast Excess & Surplus Brokerage, LLC Phone: 626-584-5050 Sandra Hunt - [email protected] Ceillia Whiteford - [email protected] ARC Excess & Surplus of MidSouth, LLC Phone: 410-427-9564 Larry Jones - [email protected] ARC South, LLC Phone: 404-474-4301 Todd Horwitz - [email protected] Burns Parker - [email protected]

Directors and Officers Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Directors and Officers (D&O) Liability Insurance program tailored to address the evolving risks faced by executives and board members. As a wholesale broker with access to multiple carriers, First Choice provides insurance agents and brokers with a reliable market to place D&O coverage for privately held companies, publicly traded firms, and non-profit organizations. Ideal Accounts and Appetite This D&O program is designed for a broad range of businesses and organizations where leadership could be exposed to personal liability due to management decisions. Target classes include: Privately held and publicly traded companies Non-profit organizations and associations Educational institutions and healthcare entities Technology firms and financial services companies Accounts with a stable financial history and strong internal governance are typically a good fit. You might have a client who recently brought in new investors and needs D&O coverage to protect the board, or a growing non-profit where the board of directors is concerned about fiduciary responsibility exposures. Coverage Highlights and Advantages Directors and Officers Liability Insurance provides essential protection against claims arising from alleged wrongful acts committed by directors and officers in their capacity as leaders. Policies typically include: Insuring Agreement A (A-Side Coverage): Direct coverage for directors and officers when the company cannot indemnify them. Insuring Agreement B (B-Side Coverage): Reimbursement to the company when it indemnifies its directors and officers. Optional Entity Coverage: Protection for the corporation against securities-related claims, if applicable. Defense Costs: Covered for investigations, regulatory actions, and lawsuits. This program is structured to address both individual and corporate exposures, making it a strong solution for clients facing increasing scrutiny from shareholders, regulators, or the public. Underwriting Notes and Minimum Premiums First Choice works closely with agents to evaluate financials, loss history, and management practices. While minimum premiums are not listed, submissions should include full applications, financial statements, and claims history for best consideration. Non-admitted options provide greater underwriting flexibility for complex or higher-risk exposures. Territories and Availability This D&O insurance program is available on a non-admitted basis in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. First Choice offers regional expertise backed by national market access. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. brings deep experience in D&O and executive liability lines. They offer responsive service, a diverse carrier network, and the underwriting insight agents need to place complex risks. Whether you're working with a startup or a mature company, First Choice can help you deliver tailored solutions that protect your clients’ leadership teams. Frequently Asked Questions What types of accounts are a good fit for this D&O program?This program is ideal for private and public companies, non-profits, and professional organizations with board-level exposures and a need for executive protection. Does this program offer entity coverage for securities claims?Yes, many policies available through First Choice offer optional entity coverage for securities-related claims, subject to underwriting approval. Is the coverage admitted or non-admitted?This program is written on a non-admitted basis, allowing for greater flexibility in underwriting and coverage customization. What underwriting information is needed to submit a risk?Typical submissions should include a completed D&O application, current financial statements, and a history of any past claims or litigation involving directors or officers. In which states is this program available?This program is available in 30 states, including CA, FL, NY, TX, IL, and others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are former underwriters, we know what the underwriters want, we speak their language, we have “walked the walk”. We understand that there is an art to negotiating and our past experience helps us negotiate for our clients and customers. Health Care Directors and Officers Professional Liability Insurance Health Care Directors and Officers Liability Insurance (including optional Entity, Employment Practices, and Third Party Liability coverage’s) is designed to help protect the personal assets of a health care organization’s directors and officers, as well as the financial well-being of the organization. A few highlights: Ability to provide customized coverage enhancements not available in the general market place. Directors and Officers including Employment Practices Liability, customized for the unique healthcare industry’s exposures Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account Need Help Placing Coverage for: Clinic/Medical Directors and Officers Clinics Directors and Officers Hospitals Directors and Officers Liability Directors and Officers Liability/Physicians Medical Facilities/Clinics Directors and Officers Health Care Directors and Officers Health Care Facilities Directors and Officers HMO, IPA, PPO, POS, ACO No Problem

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Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are the D&O Experts Access to over 60 markets Ability to provide customized coverage enhancements not available in the general market place. From the smallest private firm to the largest public Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account What is Directors & Officers Liability Insurance? D&O coverage provides protection for Directors and Officers from claims alleging that they have made improper decisions or failed to make proper decisions in their capacities as Directors and Officers. This coverage now also extends at some level to the entity as well as to other employees, while continuing to provide the necessary protection for Directors and Officer managing their companies in this litigious environment. Why do I need Directors & Officers Liability Coverage? As a Director or Officer, this policy will protect your personal assets when corporate indemnification is not available to you. Plaintiffs may attack personal assets in litigation stemming from alleged mismanagement of a corporation by you or other board members. Whether damages occurred as a result of your actions , or you were an innocent party, defense costs alone can be substantial. Categories of Directors & Officers - Public Company Directors & Officers Professional Liability Insurance - Private Company Directors & Officers Professional Liability Insurance - Non-Profit Company Directors & Officers Professional Liability Insurance Locations: Contact Info: ARC Excess & Surplus, LLC Phone: 516-408-5751 E-Mail: [email protected] ARC MidAtlantic Excess & Surplus, Inc. Phone: 856-401-8070 Stan Quirk - [email protected] Bruce Davis - [email protected] ARC Excess & Surplus of New England, LLC Phone: 860-793-9333 Scott Farrell - [email protected] Tom McGraw - [email protected] ARC West Coast Excess & Surplus Brokerage, LLC Phone: 626-584-5050 Sandra Hunt - [email protected] Ceillia Whiteford - [email protected] ARC Excess & Surplus of MidSouth, LLC Phone: 410-427-9564 Larry Jones - [email protected] ARC South, LLC Phone: 404-474-4301 Todd Horwitz - [email protected] Burns Parker - [email protected]

Founded in 1986 and celebrating its 25th Anniversary ARC Excess & Surplus has grown to become one the largest wholesale insurance brokerages in the country. Our ability to understand your needs and capitalize on our carrier relationships, positions us as an industry leader where “We Get it Done.” ARC has always delivered the best in class product in less time allowing our clients to focus their time on producing new business. We are the D&O Experts Access to over 60 markets Ability to provide customized coverage enhancements not available in the general market place. From the smallest private firm to the largest public Highest caliber of brokerage services in the industry Highly experienced legal team to work on your account What is Directors & Officers Liability Insurance? D&O coverage provides protection for Directors and Officers from claims alleging that they have made improper decisions or failed to make proper decisions in their capacities as Directors and Officers. This coverage now also extends at some level to the entity as well as to other employees, while continuing to provide the necessary protection for Directors and Officer managing their companies in this litigious environment. Why do I need Directors & Officers Liability Coverage? As a Director or Officer, this policy will protect your personal assets when corporate indemnification is not available to you. Plaintiffs may attack personal assets in litigation stemming from alleged mismanagement of a corporation by you or other board members. Whether damages occurred as a result of your actions , or you were an innocent party, defense costs alone can be substantial. Categories of Directors & Officers - Public Company Directors & Officers Professional Liability Insurance - Private Company Directors & Officers Professional Liability Insurance - Non-Profit Company Directors & Officers Professional Liability Insurance Locations: Contact Info: ARC Excess & Surplus, LLC Phone: 516-408-5751 E-Mail: [email protected] ARC MidAtlantic Excess & Surplus, Inc. Phone: 856-401-8070 Stan Quirk - [email protected] Bruce Davis - [email protected] ARC Excess & Surplus of New England, LLC Phone: 860-793-9333 Scott Farrell - [email protected] Tom McGraw - [email protected] ARC West Coast Excess & Surplus Brokerage, LLC Phone: 626-584-5050 Sandra Hunt - [email protected] Ceillia Whiteford - [email protected] ARC Excess & Surplus of MidSouth, LLC Phone: 410-427-9564 Larry Jones - [email protected] ARC South, LLC Phone: 404-474-4301 Todd Horwitz - [email protected] Burns Parker - [email protected]

Overview — Smith Bell & Thompson, Inc. Directors & Officers Liability Smith Bell & Thompson, Inc. offers a Directors & Officers Liability program designed for health care organizations — both non-profit and for-profit — and other allied classes where entity and management liability exposures are present. This program provides entity coverage for the named organization and side A/B/C protections for directors, officers and employees, with capacity placed through AIG. It is intended as a practical market for agents who need broad D&O protection with flexible underwriting for national program classes. Ideal accounts and appetite Health care providers and networks, including home care and community health organizations (both nonprofit and for-profit). Trade and membership associations, and other program-style organizations that require entity coverage and management protection. Organizations with defined governance structures and standard financial controls; preferred accounts have documented risk management and claims histories that are manageable. Special consideration and pricing available for National Association for Home Care (NAHC) members. Coverage highlights and advantages Entity coverage included — policy can cover the organization itself as well as individual directors, officers and employees. Broad definition of employment practices (EPLI) claims is available, helping address wrongful termination, discrimination and similar employment exposures. Access to AIG capacity gives broad industry recognition and claims handling experience for complex management liability matters. Program-oriented underwriting that understands multi-entity structures common in health care and association accounts. Underwriting notes and typical restrictions Underwriters look for clear governance, reasonable internal controls, and documented employment practices. Accounts with ongoing regulatory investigations, multiple recent management liability losses, or severe financial distress should be submitted with full explanation and may be declined or subject to restrictive terms. When you submit, include the organization’s bylaws, most recent financial statement, claims history (D&O/EPLI), and any employment policies. These items speed placement and improve the chance of competitive terms. Example scenarios — when to use this program You have a midsize home care agency that recently expanded into multiple states and wants entity-level D&O protection plus EPL coverage for its management team. NAHC membership can help secure preferred pricing. An association of health care providers seeks a single program policy to cover the trade association and its board members. The program’s entity coverage and AIG capacity provide a workable solution for that structure. Territories and availability Available for placement in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place D&O with Smith Bell & Thompson, Inc. Program focus on health care and association classes means underwriting and policy wordings tailored to your clients’ exposures. Broad EPLI language and entity coverage help reduce coverage gaps for multi-entity and management exposures. Placement with an experienced market (AIG) and a wholesaler that understands program business helps streamline submission-to-quote turnaround. Special NAHC member pricing is a differentiator when placing home care accounts. Frequently Asked Questions What types of health care accounts work best for this D&O program?Mid-sized to larger home care agencies, community health organizations, and trade associations are a good fit—especially those with documented governance, clean claims histories, and standard employment practices. NAHC members can access special pricing. Does the policy include entity coverage and EPLI?Yes. The program can provide named organization (entity) coverage and includes a broad definition of employment practices (EPLI) claims, protecting both the entity and individual directors, officers and employees. What submission materials speed up underwriting?Provide the organization’s bylaws, most recent financial statement, D&O/EPLI loss run, and employment policies. Complete background on any pending regulatory or litigation matters should also be included. Which carrier capacity is used for this program?Capacity for this Directors & Officers Liability program is provided through AIG. Which states is this program available in?The program is available in most U.S. states and DC, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Need help placing an account? Connect with a market specialist.

Expertise. Solution. Service. MAXIMUM offers a comprehensive Community Association Directors & Officers Liability insurance program tailored for residential and commercial community associations. Designed to protect board members, officers, trustees, volunteers, and property managers from claims arising from decisions made on behalf of their communities, this program offers robust coverage, flexible underwriting, and competitive terms. Ideal Accounts and Appetite This program is best suited for: • Associations with up to 1,000 units • Properties with average unit values up to $1 million Whether your client manages a suburban condominium complex or a mixed-use planned unit development, MAXIMUM can help protect their leadership teams from costly litigation and management exposures. Target Classes Eligible risks include a wide range of community associations: • Condominium association • Office park • Cooperatives (except in New York state) • Planned unit development • Homeowners association • Retail association • Mobile home park • Townhouse association Coverage Highlights and Advantages • Limits available up to $5 million • Defense for breach of contract claims • Coverage for both monetary and non-monetary claims • No exclusion for failure to maintain insurance claims (where available) • Lifetime occurrence reporting period • Manager/management company automatically named as additional insured • Defense costs outside the limit • Duty to defend with affirmative allocation wording • Third-party harassment and discrimination coverage • Employment practices liability included for associations with 10 or fewer employees • Full prior acts coverage • Softened settlement clause covering 75% of defense costs and loss if insured refuses to settle • Punitive damages covered (where insurable by law) • Access to business solution vendors offering HR services, screenings, identity theft protection, and marketing support • A.M. Best A++ rated carrier • Admitted in all states except VT (non-admitted), and not available in WV and LA Underwriting Notes • Retentions start at $1,000 • Retentions vary by state, city, and class The program is not available for the following: • Airports or airstrips • Rental associations • Builder/developer-controlled associations • Sewage treatment facilities • Condo/hotels • Storage associations • Interval ownership • Timeshares • Associations located in LA or WV • Cooperatives in NY state • Associations with more than 1,000 units or average unit values over $1 million • More than two D&O or EPL claims/circumstances in the past five years Territories and Availability This program is available in most U.S. states, including but not limited to CA, FL, TX, NY, IL, and NJ. It is not available in Louisiana or West Virginia, and is written on a non-admitted basis in Vermont. Why Work With MAXIMUM? As a wholesale brokerage with extensive experience in specialty insurance programs, MAXIMUM delivers tailored solutions, responsive service, and strong market access. Our Community Association D&O program leverages our deep industry knowledge to help you protect your clients and grow your book of business. We don’t settle for less than the best—and neither should you. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include condominium associations, homeowners associations, planned unit developments, and similar community associations with up to 1,000 units and average unit values under $1 million. Are property managers covered under this policy?Yes, the manager or management company is automatically named as an additional insured under the policy. Is employment practices liability coverage included?Yes, EPL coverage is included at no additional premium for associations with 10 or fewer employees. Are defense costs included within the policy limits?No, defense costs are outside the policy limit, providing additional protection to the insured. Which states is this program not available in?The program is not available in Louisiana or West Virginia and is written on a non-admitted basis in Vermont. Need help placing an account? Connect with a market specialist.