Safe Harbour Underwriters

Safe Harbour Underwriters Offers Up New Office Lessor’s Risk Property Program

July 14, 2009

As part of our ongoing strategy to provide our agents with additional products, we are pleased to announce the launch of a new program created specifically for Office Buildings and Office Condominium Associations. This is an exciting growth opportunity for us and our agency partners!

We thank all the agencies that provided valuable insight into this market segment as we researched and developed the program.

Effective immediately our agents can submit an Acord Application and our Supplemental Application to secure a quotation. Specific Underwriting Guidelines, Policy Form and Supplemental are attached under separate cover.

Our Office Lessor’s Risk product is a tailored insurance program for its target market of small to medium sized Office Buildings and Office Condominium Associations. This program provides broader features, advantages and benefits that go beyond the policy.

Program Features*:

• Competitive pricing for targeted accounts.
• Admitted company… American Capital Assurance Corp., B++ Good.
• Special Perils (ISO based Forms).
• Business Income.
• $2,500,000 – $10,000,000 in total insurable values (higher limits available).
• Deductible Options (e.g. Hurricane, Wind/Hail, Occurrence, Calendar Year, 3%/5%).
• Replacement Cost.
• Mechanical and Electrical Pressure Systems Breakdown Protection.
• Property Inspection Program, Catastrophe Planning Program & 24/7 Claim Service.

*The coverage information outlined herein is a guideline only; refer to actual policy for full terms, conditions, exclusions and limitations.

We are confident that this new program will be met with the same enthusiasm and success as our Condominium Association and Apartment Program!

The Office Lessor’s Risk Property Program “Policy Forms” (and supplemental) are available online at www.asicorp.org by logging in using your agent identification code and viewing the Policy Forms section.

In addition to the above, visit us online at www.shuw.org. Click on Products, Forms & Questionnaires and follow the menu to Office Lessor’s Risk Pogram.

As always, thanks for the business, partnership and your continued support!

Sincerely,

Safe Harbour Underwriters, LLC

Safe Harbour Underwriters Launches New Condominium Association Liability Program

Effective: 5/15/2009

Safe Harbour is pleased to announce our General Liability Program including Hired and Non-Owned Auto protection for eligible Condominium Associations is available!

The addition of a separate liability policy is a perfect compliment to our broad property coverage.

This new program is offered through American Strategic Insurance Company (ASI).

The Condominium Association Liability Program offering was developed in response to our agent’s request to streamline their marketing efforts by having Safe Harbour quote their Property and General Liability.

We have moved toward a more efficient insurance placement for our agents who can now spend more of their time on the complex work of evaluating and meeting customers’ needs.

This new Liability Program gives us the ability to rapidly quote and bind qualified accounts at competitive rates.

Effective immediately, our agents can submit the Acord Liability Application and Property and General Liability Supplemental Application (in addition to our property submission requirements) to secure a Property and Liability quotation.

Our new Property and General Liability Supplemental Application is available online at www.shuw.org. Click on Products and follow the menu to Forms/Questionnaires to secure a copy of the new combined supplemental application.

In addition to the above, the General Liability Policy (and new supplemental) are available online at www.asicorp.org by logging in using your agent identification and viewing the Policy Forms section.

Comprehensive General Liability Highlights:

• $1,000,000 – Occurrence Limit
• $2,000,000 – Aggregate Limit
• $1,000,000 – Hired & Non-Owned Auto
• $5,000 – Medical Payments (per person)

Coverage Summary*:

Premises Liability; Products & Completed Operations; Contractual Liability; Incidental Medical Malpractice; Broad Form Property Damage; Personal Injury Liability (Incl. Libel, Slander, False Arrest, Malicious Prosecution & Defamation of Character)

*The coverage information outlined herein is a guideline only; refer to actual policy for full terms, conditions, exclusions and limitations.

As always, thanks for the business, partnership and your continued support!

Sincerely,

Safe Harbour Underwriters, LLC