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… know the insurance business and yours and will represent you aggressively and successfully in the insurance marketplace. Specialty programs customized for water-specific risks Failure to Supply – no lead, asbestos, fungi, bacteria or radon exclusions Written on an OCCURRENCE rather than a claims-made form Limited pollution arising out of water and wastewater treatment Professional liability Products liability and completed operations includes “WATER” as a product Single policy with low deductibles Risk analysis – customized Stewardship Plan based on your organizations needs and goals Claims consulting and advocacy (Property/Casualty/Workers Comp/Employee Benefits) Workers’ compensation Employee Benefits consulting and brokerage

… Medical Equipment Dealers Homeless/Battered Shelters Hospice Providers Mental Health Organizations Nonprofit Organizations Religious Organizations Sheltered Workshops Social Service Organization Substance Abuse Rehabilitation Facilities Thrift Stores YMCA/YWCA Youth Services Organizations (Boys Scouts/Girl Scouts, Boys and Girls Clubs, etc.) Coverage Property & Casualty Coverage for Non-Profits Commercial General Liability Automobile Liability Umbrella and Excess Liability Improper Sexual Conduct Workers’ Compensation Foreign Liability Cyber Liability Medical Malpractice Directors and Officers Professional Liability Property Crime and Employee Dishonesty Kidnap and Ransom Travel Accident Surety Bonds Employee Benefits Coverage for Non-Profits Group Health & Welfare Life Disability Dental Vision Long Term Care

… Risk Control, Hazard Management and Loss Prevention Services Crisis Management, Disaster Recovery and Contingency Planning Law Enforcement and Educators Legal Liability Public Officials Bonding Loss Portfolio Transfers Risk Retention Groups Self-insurance Programs Captive Formation and Management Employee Benefits Consulting We also offer comprehensive employee benefits consulting for your health and welfare plans. Our services include: Strategic planning and risk management Program management and plan design Financial management and monitoring Compliance, legislation and advisory services Benefits technology and administration services Employee communications and education Wellness & Health Management Voluntary Benefits Actuarial Consulting Global Benefits Solutions Executive Benefits Pharmacy Solutions What to

… your insurance program and become your outsourced risk manager focused on producing the lowest possible total cost of risk Differentiators We know the hospitality business well and specialize in your industry Strategic advisors who identify exposures, recommend solutions and focus on loss prevention Annual stewardship reviews Dedicated in-house claims consulting and risk control teams Broad access to both retail and specialty/wholesale markets. Coverage Automobile Employee Benefits Employee Dishonesty Garage Insurance Innkeeper’s Liability General and Professional Liability Property Third-Party Liability to Cover Customer Discrimination or ADA (Americans with Disabilities Act) Claims Wage and Hour Coverage Workers’ Compensation.

… eventuality. Coverages Commercial General Liability Umbrella/Excess Liability Participant Accident Property/Business Interruption Executive Protection (D&O, EPL, etc.) Professional Liability Multimedia/Cyber Liability Key Executive Life & Disability Employee Benefits Travel Accident In addition to traditional sports policies, we place specialized products including prize indemnity, contractual bonus, event cancellation, celebrity non-appearance, cybersecurity, and drone-related coverages. The EPIC team has more than 100 years of combined experience providing a wide range of tailor-made insurance products to individuals, businesses and associations involved in the global sports and live events industry. Through our extensive market relationships with experienced insurers …

… obligations by distilling complex information into easy-to-understand guidance that includes any required action steps. Our goal is to enable our clients to establish a compliant culture that minimizes exposure to penalties and plan audits. Connect with Sales WEBINAR Join our Compliance Webinar Series Stay up to date on employee benefits compliance Find Out More  Coverage Fast-breaking alerts on actionable compliance developments Newsletters and webinars on critical compliance topics Comprehensive benefit program compliance reviews Customized Employee Retirement Income Security Act (ERISA) plan document and Summary Plan Description (SPD) Compliance checklists Health Insurance Portability and Accountability Act (HIPAA) privacy …

Our Benefits Technology Team guides employers through the sourcing, implementation, and optimization of technology-enabled benefits solutions. Our consultants help deploy effective strategies and optimize processes to enhance employee benefits utilization. Connect with Sales Coverages Benefits technology strategy, planning and project management Open enrollment testing Enrollment data validation Management of service provider relationships, performance, and delivery Multi-carrier data integration support Assistance with carrier electronic data interchange (EDI) feeds and other data issues What to Expect from EPIC We are here to help with benefits technology needs to solve employer challenges, including: Sourcing, analysis and evaluation of Human Resources Information …

Our Actuarial Team provides guidance on employee benefits and health and welfare programs to help meet employer financial goals and responsibilities. Our consultants oversee annual benefit plans, budgeting, pricing, and plan design while ensuring employers remain compliant with ACA. Connect with Sales Services Multi-option medical plan cost analysis, including HDHPs Customized plan projections for self-insured and fully-insured programs Employee contribution analysis with a focus on cost control Excise tax modeling Determination of minimum value and affordability under ACA Self-funded feasibility analysis and modeling for fully-insured clients Incurred But Not Reported (IBNR) valuation, including summary reports …