A CALIFORNIA BASED INDEPENDENT WHOLESALER. WE ARE NOT OWNED ORASSOCIATED WITH ANY OTHER RETAIL INSURANCE BROKER OR BANKEVERYONE HAS MARKETS WE HAVE SOLUTIONSWhat sets us apart - Maverick Wholesale does one thing that we don’t see our competitors oreven Insurance Carriers doing out there, and that is the ability to price and qualify risks with themarkets up front and give our agents great advice on who will write it and who has the mostcompetitive rates in California with our in house pricing program that includes territorialmultipliers.MAVERICK WORKERS’ COMPENSATION MARKETSICW, ZENITH,EVEREST, AMTRUST, AIG,STARR,GUARD,TORUS,BERKSHIRE, OLD REPUBLIC, QBE, FALLS LAKE, CNA,NATIONAL LIABILITY, ALLIANZ/FIREMAN’S FUND,ARCHINSURANCE,ARGONAUT, SAGAMORE,EMPLOYERSPREFERRED,STARSTONE, OLD REPUBLIC GENERALARCH INSURANCE COMPANY/ARGONAUT INSURANCECOMPANY: The class code determines the carrier. California Only ( 10% out of state) DEBIT MOD business Only Experience mods from 1.10 to 3.00 Annual premiums 40k Broad class code eligibility Flexible payment plan optionsTarget industry segments: Auto Repair, Sales & Service Contractors Hospitality Manufacturing Professional Services Retail Operations Service Trucking (local & intermediate) WholesaleICW: We are very happy to have ICW as one of our key markets.Broad Underwriting appetite;premiums beginning 25,000; no limits on Experience mod factors; monthly reporting available;Variety of plans: Guaranteed cost, deductible, retro’s and dividend programs. SMALLBUSINESS PROGRAM: Over 100 ELIGIBLE CLASS CODES; SINGLE STATE OPERATIONS INCA; MANUAL PREMIUMS BETWEEN 2,500 AND 35,000; EX-MOD FACTOR ELIGIBILITY

RANGE IS 70% TO 130%. Extremely competitive market for So Cal. (LA/Orange/SanBernardino/Riverside)ZENITH: Great market, will write difficult to write accounts and no x-mod restrictions.Specialty market for Farm business with special filing for all farm business, probably the bestfarm Market in Ca. Small business program with over 100 codes, ZNAT paper which has lowerrates than Zenith by 7.5% and with premium discount, very competitive quotes in 24 hours orless. Zenith has discounted rates for the following codes: 9079 restaurants, 8834 & 8839physicians & dentists, 8868 & 9101 private schools, 9079 restaurants, 8391& 8324 automobilerepair shops and gas stations, 8324 warehouse cold storage and all the farm codes. Extremelycompetitive for the right risk also very competitive in Riverside and San Diego territories. Monthlyreporting available.EVEREST:Direct appointment, not an Arrowhead appointment. We are looking at allclasses of business above 25,000 no contractors. High x-mods acceptable. We can write Castand alone or multi state accounts. We can entertain contractors with premiums above 500,000. Very competitive rates with their new rate filing for 9-1.AMTRUST:Various carriers, see below. Each carrier has its own filed rates with variationof payment plans including no deposit, pay as you go options and monthly reporting. We haveaccess to all programs and carriers.Sequoia Insurance: Special program for light hazard business, small risks premiums below 10,000. Rates are very low if it fits. (60 eligible codes)Technology Insurance: Preferred business, same codes as Sequoia but is for accounts above 10,000Security National: This is the main paper used in Ca. Very competitive.Wesco Insurance: They use this paper for high hazard codes and non preferred business.Republic Underwriters of Texas: Was just bought by Amtrust. Still being run off by theprogram manager, but Amtrust will quote on Republic Underwriter expiring renewals.Springfield Insurance Company: Preferred business, same codes as Sequoia but is for aboveaverage accounts including grocery stores.AIG:Various carriers will be highlight below with the 1-1-17 changes (Preferred brokerstatus). They will have a change for 3-1 also doing away with AIG online filing for Granite State.Based on the filing they are way out of the ballpark in Ca.Granite State: On line program will continue to be a market for small contractors, rates are upcompared to the rest of the market place (2.486 LCM) and a 1.30 territorial multiplier for So Cal

makes them non competitive for most parts. Granite State rates are 11.1% higher than NatUnion, plus higher territorial multipliers. On the positive side they have PAYGO with low deposit.Great market for small contractors, m.p. 10,000. Also security guard companies.National Union and all other AIG companies: They have a 2.237 loss cost multiplier which isup and they have adopted a territorial multiplier which will help for outside So Cal. Still acompetitive market for contractors and accounts over 130,000 in manual premium outside LAFor the contracting program AIG has PAYGO with low deposit and pay as you go option.Commerce & Industries: This is the paper AIG uses for tough to place business, high hazardcodes and high x-mods and is 15% higher than National Union. 2.573% LCMAmerican Home Assurance: New filing for AIG, they filed a 35% discount from Nat Union rates,most likely will be used for large deductible type programs. Extremely competitive if used.STARR INSURANCE:Great market for contractors, large accounts only, premiumsover 250,000. We can entertain all lines including wok comp or monoline work comp. Verycompetitive, good market for us. (Monthly reporting available to us on select accounts.)OLD REPUBLIC GENERAL INSURANCE:Great market for contractors,large accounts only, premiums over 200,000. We can entertain all lines including wok comp ormonoline work comp. Very competitive, good market for us. (Monthly reporting available to uson select accounts.) Great rates very competitive.CNA Insurance Company:In California they are looking to write preferred businesswith good loss ratio they must have the package to write the work comp. Outside of Californiathey will entertain monoline work comp. Customer Segment Appetite: Financial institutions,medical/healthcare, Professional services, retail, contractors & technology. Most white collar operations areacceptable to write. Note they can write monoline work comp in California for certain classes.ALLIANZ INSURANCE COMPANY/FIREMAN’S FUND:New market forWork Comp aviation , but we have full appointment for all lines, on Work comp they are looking towrite preferred business with good loss ratio they must have the package to write the work comp.Preferred class of business, is stores, restaurants, hotels, they do not write construction.ATLAS GENERAL INSURANCE:We represent several carriers outlined belowvia the MGAFalls Lake Insurance Company: Main street very competitive market with low rates and abilityto credit. Generally preferred business with good loss ratio and mods under 150%

Starstone Insurance akaTorus Insurance: Atlas filed program used for classes that don’t fitFalls Lake Insurance.Nova: Small risk market for light hazard classesBERKSHIRE INSURANCE GROUP (BHHC):Various carriers see below:Oak River: Preferred program for small risks, under 50,000Cypress: Preferred paper for risks above 50,000. Very competitive and can quote all classes.Redwood: This is the surcharge market for BHHC, if the average mod for the past 3 years isover 150% they will use this carrier insteadCalifornia Insurance (Applied): Insurance with payroll service, not a PEO. Very competitiverates if it fits. To qualify looking at codes that average at least a 10 rate, roofers, framers,truckers acceptable along with most classes. They used to have a 3 year guaranteed rateprogram for accounts over 100,000 but now is a one year program guaranteed cost program.Berkshire program for high hazard business including roofing, framers, landscapers andaccounts with height exposure, not the Applied program.National Liability & Fire: M.p. 5,000 Max 200,000. No new ventures, mods between 74%and 129%, can consider up to 139% mod with home office approval.Employers Preferred: For above average risks, low hazard. M.p. 2,500, very competitiverates.PEO MARKETS: PEO markets is an option we will consider if account does not fit ourstandard work comp markets. We have access to most PEO’s. BBSI, Southeast, Zurich,Amtrust, State National, etc. Our best PEO market is an AIG PEO, limited access. It’s excellentand operated like a real insurance company. Not for the heavy end classes, I.e. roofing, trucking,work above 2 stories, heavy auto exposure. But extremely competitive if it’s a class they write.AVIATION MARKETS:See below for the carriers we represent. We can write anytype of aviation or aircraft exposure including pilots and airlines, along with machine shops or anyrelated industry to the aviation industry. Preferred rates way below the standard Work Compmarkets if it fits this program.National Union, Commerce & Industry, Starr Indemnity, QBE, Praetorian, North Pointe, OldRepublic, Lloyd’s of London, Everest Insurance, Companion, Security National,Technology and (Global Aerospace /National Indemnity, Munich Re, Tokyo Marine Nichido,Mitsui Sumitomo Insurance, MAPFRE) Allianz Insurance.

Maverick has a proprietary rating program that includes the territorial program rates for all carriers and thepremium discount to quickly analyze (in minutes) the market place. We are able to tell you quickly whichmarkets have the most competitive rates. I don’t think any other wholesaler can do this on a timely basis theway that we can. We don’t just look at the rate increase or decrease, we analyze the rate changes, theterritorial factors and the insurance class codes with carrier exceptions for certain classes and know whatimpact it will have on the pricing of the risk.We are committed to providing not only viable markets for your Surplus Lines business but yourWorkers Comp needs and professional liability - Above all else, we pride ourselves onexcellent response time and service.*Maverick can write your Tough Workers’ Compensation Business*Maverick has broad access to Aviation Markets Quoting Machine Shops*Maverick is a Surplus Lines Broker writing Other Lines of Insurance Think of us on Earthquake (DIC), & Medical MalpracticeWeb site:

even Insurance Carriers doing out there, and that is the ability to price and qualify risks with the . Direct appointment, not an Arrowhead appointment. We are looking at all . *Maverick is a Surplus Lines Broker writing Other Lines of Insurance Think of us on Earthquake (DIC)