STEVE PRIME, CIC VICE PRESIDENT GOWRIE, BARDEN & BRETT Overview of Gowrie, Barden & Brett’s Insurance For United States Power Squadrons, et al.

Steve Prime, CIC, Vice President Phone: (401) , (800) , Fax: (860) Steve Prime is a Senior Vice President of Gowrie, Barden & Brett. Steve has been vital in developing the operations and insurance programs of the agency. He is very well respected for his high level of knowledge and professionalism throughout the industry. He is a member of several yacht clubs in the Newport, RI area and has previously served as Vice President of Sail Newport. Steve’s most recent boat was a Bertram 25. He has over 25,000 miles of offshore sailing experience throughout the East Coast of the US, Bermuda, Caribbean and Europe. Mary Diaz: Account Manager Phone: ( ), (800) , Fax: (860) Mary has been in insurance for 19 years, the last 11 years at Gowrie, Barden & Brett. She enjoys working with her customers and helping with their insurance needs. Eileen Silverstein, Claims Manager Phone: (860) , (800) , Fax: (860) Eileen brings 25 years of claims experience from the insurance company perspective. Eileen has done a tremendous job closing pre-existing claims, expedited claims, and in some cases obtained coverage for claims that might not otherwise have been covered. Gowrie, Barden & Brett and its affiliated companies employ more than 100 professionals. The key people that work for the United States Power Squadrons are: Gowrie, Barden & Brett Your Team

GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY Insurance Program for The United States Power Squadrons The USPS insurance is underwritten by the Chubb Group of Insurance Companies.

GENERAL LIABILITY GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY NO ONE LIABILITY POLICY can respond to every conceivable claim. NO ONE LIABILITY POLICY can respond to every conceivable claim. BETTER COVERAGE IN SEPARATE POLICIES provides separate limits of liability protection. BETTER COVERAGE IN SEPARATE POLICIES provides separate limits of liability protection. The General Liability policy is primarily designed to protect USPS, its Districts & Squadrons from third party bodily injury and property damage on your premises. The General Liability policy is primarily designed to protect USPS, its Districts & Squadrons from third party bodily injury and property damage on your premises. ‘On the water’ claims are now covered by a separate policy written to cover third party bodily injury and property damage. ‘On the water’ claims are now covered by a separate policy written to cover third party bodily injury and property damage. $1,000,000 of liquor liability is part of this policy. $1,000,000 of liquor liability is part of this policy.

Marine General Liability GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY The Chubb Marine General Liability policy responds to suits for third party bodily injury and property damage on docks, gangways, floats, piers and wharves in conjunction with your operation. The Chubb Marine General Liability policy responds to suits for third party bodily injury and property damage on docks, gangways, floats, piers and wharves in conjunction with your operation. The Marine General Liability policy carries a separate limit of liability of $2,000,000 aggregate and a per occurrence limit of $1,000,000 with NO deductible. The Marine General Liability policy carries a separate limit of liability of $2,000,000 aggregate and a per occurrence limit of $1,000,000 with NO deductible. This also includes a marina operators legal liability policy for the care, custody and control of other peoples boats when applicable. This also includes a marina operators legal liability policy for the care, custody and control of other peoples boats when applicable.

HULL & LIABILITY GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY Hull & Liability provides the borrowed boat protection the USPS needs to protect the organization and the USPS members conducting ‘on the water’ training and student certification. Hull & Liability provides the borrowed boat protection the USPS needs to protect the organization and the USPS members conducting ‘on the water’ training and student certification. Hull & liability insurance covers “vessels of others” not owned by USPS while being operated by the USPS, a member or otherwise in the care custody and control of the USPS, its trainers or certifiers for a USPS sanctioned event. Hull & liability insurance covers “vessels of others” not owned by USPS while being operated by the USPS, a member or otherwise in the care custody and control of the USPS, its trainers or certifiers for a USPS sanctioned event. The third party liability section of this policy provides worldwide navigation so it encompasses Squadrons outside the United States as well. The third party liability section of this policy provides worldwide navigation so it encompasses Squadrons outside the United States as well. The hull protection is primary for any boat borrowed by or loaned to USPS trainers or certifiers for the purpose of training and certifying boat operators. This means that Chubb will pay for the direct repair of any boat damaged or destroyed during USPS control, subject to a deductible of $ The hull protection is primary for any boat borrowed by or loaned to USPS trainers or certifiers for the purpose of training and certifying boat operators. This means that Chubb will pay for the direct repair of any boat damaged or destroyed during USPS control, subject to a deductible of $ Included in borrowed boat is uninsured boater liability protection for $10,000. Included in borrowed boat is uninsured boater liability protection for $10,000.

BUSINESS AUTO GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY $1,000,000 of third party liability $1,000,000 of third party liability $1,000,000 of uninsured and underinsured motorist protection $1,000,000 of uninsured and underinsured motorist protection $1,000,000 of hired and non owned auto liability. $1,000,000 of hired and non owned auto liability. Hired liability provides liability for any vehicle rented for USPS business. Hired liability provides liability for any vehicle rented for USPS business. Non owned auto liability is excess liability over a USPS member in their USPS sponsored activities Non owned auto liability is excess liability over a USPS member in their USPS sponsored activities

FOREIGN LIABILITY GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY Gowrie, Barden & Brett understands that USPS is an international organization with foreign based squadrons so we added international liability for foreign activities. Foreign auto liability is excess over the local auto insurance with a $1,000,000 limit. Foreign auto liability is excess over the local auto insurance with a $1,000,000 limit. Foreign Workers Compensation provides direct payment for any medical treatment required in the foreign country for USPS employees and volunteers traveling overseas. Foreign Workers Compensation provides direct payment for any medical treatment required in the foreign country for USPS employees and volunteers traveling overseas. Foreign general liability has a $1,000,000 limit of liability for third party suits brought in the foreign jurisdiction. Foreign general liability has a $1,000,000 limit of liability for third party suits brought in the foreign jurisdiction. Foreign Liability also includes repatriation expense coverage of $250,000 per person. Foreign Liability also includes repatriation expense coverage of $250,000 per person.

WORKERS COMPENSATION GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY The Chubb policy will cover, at no additional cost, members and volunteers serving the organization who may be injured and unable to work while serving the USPS. The Chubb policy will cover, at no additional cost, members and volunteers serving the organization who may be injured and unable to work while serving the USPS.

DIRECTORS & OFFICERS GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY Directors and Officers Liability for alleged wrongful acts by officers and directors of the USPS, its Districts and Squadrons. Directors and Officers Liability for alleged wrongful acts by officers and directors of the USPS, its Districts and Squadrons.

UMBRELLA & BUMBERSHOOT GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO PROFESSIONAL LIABILITY FOREIGN LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY USPS has a $14 Million Umbrella for any claim covered by the underlying policies, including the marine insurance and the Directors and Officers Liability. USPS has a $14 Million Umbrella for any claim covered by the underlying policies, including the marine insurance and the Directors and Officers Liability.

MEDIA LIABILITY PROFESSIONAL LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY Gowrie, Barden & Brett identified the need for USPS to have media protection for all of the periodicals, newsletters, textbooks and web page content. One can never be absolutely sure the content provided to USPS is free from any claims of plagiarism or unapproved use. This policy is designed to protect USPS from any suit alleging copyright infringement. Gowrie, Barden & Brett identified the need for USPS to have media protection for all of the periodicals, newsletters, textbooks and web page content. One can never be absolutely sure the content provided to USPS is free from any claims of plagiarism or unapproved use. This policy is designed to protect USPS from any suit alleging copyright infringement. GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO FOREIGN LIABILITY

PROFESSIONAL LIABILITY At GBB’s suggestion USPS now protects the organization from any misstatement that may be made by an employee, a volunteer instructor or certifier for which the USPS could be sued. At GBB’s suggestion USPS now protects the organization from any misstatement that may be made by an employee, a volunteer instructor or certifier for which the USPS could be sued. PROFESSIONAL LIABILITY WORKERS COMPENSATION D&O UMBRELLA & BUMBERSHOOT MEDIA LIABILITY GENERAL LIABILITY MARINE GL HULL & LIABILITY BUSINESS AUTO FOREIGN LIABILITY