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Loxley Insurance Services

SWARP- Exclusive Swett Underwriting Facility

Loxley Insurance Services:

Loxley has been Swett & Crawford's, in-house Underwriting facility for California Earthquake and Flood for 17 years, using Scottsdale paper the entire time. The facility has sustained growth and profitability each year. Currently there is $15MM+ premium in this facility.

Capacity:

$5,000,000 net and treaty through an A+XV rated non admitted carrier.

Underwriting Territory:

California exposures.

Minimum Premiums:

Zones B1 and B2	$25,0000
Zone B3	$20,000
Zones A1, A2, A3	$15,000 to $20,000
Zone D	$7,500
All Other Zones	$15,000

Minimum Deductibles:

Flood:

$50,000 per occurrence per location in Zones C or X. $250,000 per occurrence per location in Zones B and Shaded X. No Flood Zone A, D or V exposures.

Earthquake:

Zone B1: 7.5% of total values at risk per unit of insurance subject to a $25,000 minimum deductible per occurrence.

Remaining zones: 5%.

Fifteen (15) day waiting period for time element coverage.

AOP: $25,000.

Earthquake Underwriting:

Building Age Considerations:

• ALL construction -- 1975 or newer
• No frame construction over subterranean parking if built prior to 1975.
• No frame habitational construction over subterranean parking.
• No frame habitational construction with masonry grade level parking.
• No buildings over "tuck under" parking, regardless of age.

We are open in all zones.

No Ordinance or Law offered on any buildings over 25 years of age.

Contacts:

Fernando Marquez, Asstistant Vice President, (213) 785-5864

Al Colosimo, CAT Manager, (727) 532-2435

Lyndsay Colosimo, Underwriter, (727) 532-2436

Juliet Cabreza, Underwriting Asstistant, (213) 795-5866

SWARP- Exclusive Swett Underwriting Facility:

Formerly known as the NMB Facility, SWARP is the new and improved version of this proprietary, in-house program. Swett has been underwriting on behalf of Lloyd's of London for over 3 years. The program will have major changes and enhanced coverage options this year.

Capacity:

$25,000,000 subject to a TIV limitation of $100,000,000 per policy.

Carrier:

Underwriters at Lloyd's

Underwriting Territory:

All States Excluding Kentucky

Minimum Premiums:

$1,000

Perils Included:

All Risk including Wind, Flood and Earthquake

• sub-limits may apply to above, depending on the location of the risk.

Coverage:

Primary, Excess, Quota Share on Property and related Inland Marine Coverages.

Contacts:

Al Colosimo, CAT Manager, (727) 532-2435