Professional Risk Solutions provides insurance programs focused on the long-term care industry. They have been operating since 2004 and write policies for over 2,500 nursing homes, assisted living facilities, and retirement communities. Their programs offer broad coverage including directors and officers liability, employment practices liability, fiduciary liability, and cyber liability. They work exclusively with agents to provide competitive terms and higher commissions compared to other insurers.

1. Healthcare Program Discussion
Professional Risk Solutions, LLC
Warren, NJ
1 © 2013 Professional Risk Solutions, LLC. All rights reserved.

2. “Some of us will do our jobs well and some will not;
but we will all be judged by only one thing –
the result.”
Vince Lombardi
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3. A Track Record In Long Term Care
• Program began in 2004
• Written through an exclusive
network of agents
• Focus on nursing homes, assisted Through our network of
living, retirement communities agents we write over
• Write for-profit and nonprofit 2,500 facilities
entities
• Includes D&O, EPLI, Fiduciary,
Med-Defense/Regulatory, Crime,
Cyber
• Affiliate MGA can write the PL/GL
Working With PRS Is A Smart Business Decision
3 © 2013 Professional Risk Solutions, LLC. All rights reserved.

4. PRS Long Term Care Agency Network
 Our program offers an “exclusive” to qualified agents who have a long-
term care focus and expertise which results is the broadest terms and
higher commissions for volume.
 We only offer our program to one agency in a marketplace per product
line. Therefore the following markets are no longer available for an
“exclusive:”
• New York (D&O - for profit and nonprofit)
• New Jersey (D&O - nonprofit)
• Pennsylvania (D&O - nonprofit)
• California (D&O - nonprofit)
• North Carolina (D&O - for profit)
• Virginia (D&O - for profit)
• Georgia (D&O - for profit)
• North Dakota (D&O - nonprofit)
• South Dakota (D&O - nonprofit)
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5. PRS’ Competitive Advantages
Focus on Healthcare
Sales And Marketing
 We write more than any other wholesaler
 We include the broadest regulatory coverage  One product that is broader than the market is easier to
for healthcare including RAC audits sell
 Profitable program for underwriters since  Minimize E&O exposure since we manage the whole
2004, prices have remained stable for the entire portfolio
period
 Lock-in pricing with book rolls and multi-year
endorsements
Service Program Specialization
 Paperless Work Environment  We create programs for specified classes or sizes
of business
 CRM Agency Management System
 We offer dedicated carries and the broadest
 CSR’s Are Assigned to Brokers and Provide
Dedicated Client Servicing
 Audits/Annual Review Process To Ensure
That Each Insurance Program Remains Current
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6. Program Highlights…..
• Written an “A” admitted paper with RSUI • Separate Side-A DIC limit for D’s and O’s
• Private or nonprofit • Amended definition of Claim to including tolling
• D&O/EPLI/Fiduciary combo policy or waiving of statute
• Duty to defend form. • Third party EPLI claims are covered
• Amended Hammer clause 80/20Federal • Investigative Cost Coverage - $250,000 sub limit
Immigration & National Act sub limit • 3 Year bilateral discovery period –
$100,000Extradition CoverageModified Insured vs 75%/125%/150% for 1/2/3 years
Insured Exclusion (Carve-out for claims brought by • Bankruptcy provisions amended
former D's & O's) 2 yearsPredetermined Allocation • Defense in addition to limit available
at 100%Severability of All exclusionsSub-limit for
• Three year annual installment availableFull
Wage & Hour Claims $250,000
regulatory coverage available, including fines,
penalties, defense and settlement (Med-
Defense)
We Love This Stuff. We Do It Every Day, All Day.
6 © 2013 Professional Risk Solutions, LLC. All rights reserved.

7. Add ons…..
• Cyber binding authority available to agents to cross-sell every facility
• Professional Liability/General Liability/Umbrella product available on Prosight paper.
We Love This Stuff. We Do It Every Day, All Day.
7 © 2013 Professional Risk Solutions, LLC. All rights reserved.

8. When you work with PRS programs,
you will get an exclusive program
make more commission on your book,
and get the broadest terms for your clients,
freeing up your staff for other revenue
generating activities.
8 © 2013 Professional Risk Solutions, LLC. All rights reserved.