Napco provides concise risk analyses and property summaries to insurance underwriters to help them make quick decisions. By executing data collection, analysis, and presentation basics exceptionally well, Napco aims to consistently get submitted risks to the top of underwriters' piles. Napco gathers comprehensive data on accounts and runs proprietary analytics to filter out key information. It packages analyses like location breakdowns, catastrophe modeling outputs, and construction details into easy-to-understand formats. This allows underwriters to determine participation potential within five minutes. Napco's process is tailored based on underwriter feedback to deliver a better result for retailers and their risk management needs.

1. How Napco gets a better result
“Executing the basics really well”

2. Business has become much more
complicated

3. Economic Times have been tough!

4. Insurance carriers have been forced
to do more with less

5. Underwriters are swamped!

6. The only way to get the best
underwriting result

7. You have to….

8. Get to the top of the underwriting
pile!

9. And do it consistently

10. How does Napco do it?

11. By executing the basics really well!

12. Napco’s competitive advantage is that we present risks
in a manner that allows all parties to the transaction
make quick but well informed decisions

13. Napco has continually asked our
underwriting and retail partners:
∗ What information do you want?
∗ How do you want it presented to you for best result?

14. Napco’s process is a result of the
answers they provided
∗ Provide great data
∗ Put it in a format that is easy for us to use
∗ Put it in a format that is easy to understand
∗ Provide complete data to prevent slowing up the
process

15. Napco compiles great underwriting
data

16. Then we run our….

17. Account Analytics

18. And we filter out the information
needed to make a decision

19. Like…..

20. Account Analytics
 Geocoding
 Catastrophe Risk Modeling
 Elevation Certificates
 Policy Form Review/Comparison
 Valuation Study- MSB and ISO

21. We run the data through our
propriety software

22. To generate reports

23. Such as State Break downs…

24. Account Analytics
Geocoding
Summary of Values by State

25. Tier 1 Analysis

26. Account Analytics
Tier 1 Wind Locations

27. Account Analytics
Tier 1 Wind Locations
State Total Values No. of Loc. Average Largest Loc. % of Total
Alabama $10,284,587 1 $10,284,587 $10,284,587 0.5%
Connecticut $81,726,559 6 $13,621,093 $21,677,467 3.9%
Delaware $46,302,958 3 $15,434,319 $23,022,025 2.2%
Florida $722,747,265 62 $11,657,214 $39,764,272 34.2%
Georgia $11,548,270 2 $5,774,135 $5,958,874 0.5%
Louisiana $99,208,144 8 $12,401,018 $20,332,818 4.7%
Maine $13,297,710 2 $6,648,855 $11,527,177 0.6%
Maryland $96,573,816 8 $12,071,727 $20,084,292 4.6%
Massachusetts $92,448,739 7 $13,206,963 $27,415,161 4.4%
Mississippi $9,552,447 2 $4,776,224 $6,305,957 0.5%
New Hampshire $30,032,618 3 $10,010,873 $16,296,329 1.4%
New Jersey $155,490,106 9 $17,276,678 $28,405,779 7.4%
New York $168,365,641 8 $21,045,705 $34,073,257 8.0%
North Carolina $21,044,414 5 $4,208,883 $7,126,409 1.0%
Puerto Rico $105,266,723 7 $15,038,103 $26,069,328 5.0%
Rhode Island $24,485,415 2 $12,242,708 $20,582,186 1.2%
South Carolina $51,935,695 7 $7,419,385 $16,227,339 2.5%
Texas $295,981,950 24 $12,332,581 $24,975,082 14.0%
Virginia $75,567,374 7 $10,795,339 $23,313,348 3.6%
Grand Total $2,111,860,431 173 $12,207,286 $39,764,272 100.0%

28. California EQ Analysis

29. Account Analytics
California Earthquake Locations

30. Account Analytics
California Earthquake Locations
EQ Zone Total Values No. of Loc. Average Largest Loc. % of Total
A1 $30,218,917 1 $30,218,917 $30,218,917 1.9%
A2 $143,990,013 6 $23,998,336 $34,532,306 9.2%
A3 $119,246,903 6 $19,874,484 $31,489,962 7.6%
Total A: $293,455,833 13 $22,573,526 $34,532,306 18.8%
B1 $143,617,838 6 $23,936,306 $31,233,375 9.2%
B2 $201,935,557 9 $22,437,284 $32,719,671 12.9%
B3 $219,477,636 7 $31,353,948 $65,721,900 14.1%
Total B: $565,031,031 22 $25,683,229 $65,721,900 36.2%
C $70,581,034 6 $11,763,506 $22,889,504 4.5%
D $124,828,636 6 $20,804,773 $33,495,385 8.0%
E $222,981,574 17 $13,116,563 $37,813,764 14.3%
F $58,442,280 6 $9,740,380 $30,447,489 3.7%
G $212,818,669 15 $14,187,911 $50,326,800 13.6%
H $11,842,048 2 $5,921,024 $8,772,813 0.8%
Grand Total $1,559,981,105 87 $17,930,817 $65,721,900 100.0%

31. New Madrid EQ analysis

32. Account Analytics
New Madrid Earthquake Locations

33. Account Analytics
New Madrid Earthquake Locations
State County Damage Zone Total Values No. of Loc. Average Largest Loc. % of Total
Arkansas Craighead Major $2,424,225 1 $2,424,225 $2,424,225 4.6%
Greene Major $2,663,295 1 $2,663,295 $2,663,295 5.0%
White Major $2,599,558 1 $2,599,558 $2,599,558 4.9%
Faulkner Median $2,231,932 1 $2,231,932 $2,231,932 4.2%
Jefferson Median $2,432,749 1 $2,432,749 $2,432,749 4.6%
Pulaski Median $8,488,458 5 $1,697,692 $2,327,456 16.0%
Arkansas Total $20,840,217 10 $2,084,022 $2,663,295 39.4%
Mississippi DeSoto Major $2,088,225 1 $2,088,225 $2,088,225 3.9%
Panola Major $3,140,377 1 $3,140,377 $3,140,377 5.9%
Lafayette Median $1,928,628 1 $1,928,628 $1,928,628 3.6%
Mississippi Total $7,157,230 3 $2,385,743 $3,140,377 13.5%
Missouri St. Louis Median $9,340,298 2 $4,670,149 $8,029,890 17.6%
Missouri Total $9,340,298 2 $4,670,149 $8,029,890 17.6%
Tennessee Shelby Major $13,483,974 7 $1,926,282 $2,343,576 25.5%
Madison Median $2,113,729 1 $2,113,729 $2,113,729 4.0%
Tennessee Total $15,597,703 8 $1,949,713 $2,343,576 29.5%
Grand Total $52,935,448 23 $2,301,541 $8,029,890 100.0%

34. Construction analysis

35. Account Analytics
Exposure
Data
EXPOSURE SUMMARY
(based on % of Total Insurable Values)
Brick
Wood Frame
Construction Analysis
Other
Wood Frame
Unknown
Construction Type Total Insurable Values 80%
Brick $ 147,150,971
Wood Frame $ 868,238,294
Other $ 50,487,834
Unknown $ 23,699,953
Total $ 1,089,577,052
Brick
13% Other
5%
Unknown
2%

36. Sprinkler analysis

37. Account Analytics
Exposure
Data
Sprinkler Analysis
Sprinklered Total Insurable Values
Yes $ 968,759,911
N $ 65,677,246
N - Phase 1; Y-Phase II $ 31,439,942
Unknown $ 23,699,953 Yes
Total $ 1,089,577,052
N
Yes N - Phase 1; Y-Phase II
89%
Unknown
N
6%
Unknown
2% N - Phase 1; Y-Phase II
3%

38. Flood Zone analysis

39. Account Analytics
Exposure
Data SAMPLE FLOOD ZONE MAP Flood Zone Analysis
318 Walnut Street
Denver, CO 80204 CX
69%
FEMA Flood Zone: AE
Unknown
26%
AE
3% A
2%

40. Then we run the Catastrophe
modeling

41. Like Windstorm…

42. Account Analytics
CAT Modeling Windstorm Loss Analysis
Summary Losses 100yr 250yr 500yr 1000yr
All Locations 7,323,560 11,256,386 15,506,073 19,480,832
Top 5 Key Drivers of Loss 100yr 250yr 500yr 1000yr
2287 N. FEDERAL HWY POMPANO BEACH FL 33062 US 376,359 676,452 1,021,836 1,687,050
225 FM 2094 ROAD KEMAH TX 77565 US 380,353 794,073 1,069,044 1,461,551
21090 ST. ANDREWS BLVD. BOCA RATON FL 33433 US 297,780 582,624 1,021,738 1,873,076
19975 BISCAYNE BLVD. MIAMI FL 33180 US 315,075 752,968 1,210,248 1,380,703
65 U. S. 1 NORTH JUPITER FL 33477 US 216,188 402,649 712,233 959,892

43. Account Analytics
CAT Modeling Windstorm Loss Analysis
Top 5 Event Losses
Loss Exceedance Occ Loss Peril Year Event ID Event Desc
1 in 10,000 years 32,850,033 TC 3699 12434 SS=5 : Seg 31
1 in 5,000 years 25,231,542 TC 8794 29429 SS=5 : Seg 30
1 in 3,333 years 24,174,325 TC 5144 17195 SS=5 : Seg 30
1 in 2,500 years 22,307,853 TC 4548 15218 SS=5 : Seg 24
1 in 2,000 years 21,668,314 TC 4104 5674 SS=5 : Seg 31

44. Earthquake

45. Account Analytics
CAT Modeling Earthquake Loss Analysis
Summary Losses 100yr 250yr 500yr 1000yr
All Locations 13,119,352 20,131,373 23,507,099 28,006,563
Top 5 Key Drivers of Loss 100yr 250yr 500yr 1000yr
15555 E. 14TH STREET, SUITE 366 SAN LEANDRO CA 94578 US 521,039 1,013,417 1,416,510 1,745,596
15252 SUMMIT AVENUE FONTANA CA 92336 US 509,157 930,135 1,234,418 1,425,675
27490 LUGONIA AVE. REDLANDS CA 92374 US 437,897 876,689 1,098,361 1,308,359
3303 S. DOGWOOD ROAD EL CENTRO CA 92243 US 413,492 814,214 907,542 981,421
2100 W. FLORIDA AVE HEMET CA 92545 US 259,311 814,601 1,393,920 1,815,118

46. Account Analytics
CAT Modeling Earthquake Loss Analysis
Top 5 Event Losses
Loss Exceedance Occ Loss Peril Year Event ID Event Desc
1 in 10,000 years 45,810,328 EQ 2908 20004 Mw=7.36
1 in 5,000 years 37,082,724 EQ 2061 14168 Mw=7.01
1 in 3,333 years 33,302,748 EQ 7747 41921 Mw=7.48
1 in 2,500 years 32,923,150 EQ 6099 30864 Mw=8.09
1 in 2,000 years 32,605,850 EQ 4484 1599 Mw=6.55

47. Terrorism

48. Account Analytics
CAT Modeling - Terrorism

49. We package it up for the underwriter

50. Just the way they like it!

51. Within 5 minutes

52. Our underwriters can tell if they can
participate on this risk

53. We never waste their time!

54. Underwriters never get tired of
looking at a Napco submission

55. That’s why Napco consistently gets a
better underwriting result!

56. Not only do we deliver these great
results to our retailers

57. But we do it the way that gives our
retailers maximum benefit!

58. Our proposals contain everything the
retailer needs!

60. They are simplified for easy of use in
presenting to the insured..

61. Exemplifying total professionalism

62. And allowing the insured to make a
fully informed decision

63. The Napco process…

64. Delivering the best underwriting
results for our retail partners