All Risks Ltd. Sue Harker Al Roberts – AmTrust/Wesco Albert McLaughlin – AmTrust/Wesco

1. All Risks Ltd.Sue HarkerAl Roberts – AmTrust/Wesco Albert McLaughlin – AmTrust/Wesco

2. All Risks Ltd. • Founded in 1964 • Largest privately held Wholesale/MGA organization in the nation • Two ‘Silos’ of expertise • 550+ employees, $1.8B anticipated 2017 premium volume • 36 exclusive programs • Offices in AZ, CA, CO, DC, FL, GA, IL, IN, LA, MD, MN, NE, NJ, NY, NC, PA, TX, VA, and WA

3. Financial Strength • Rated “A” (Excellent) • Financial Size “XV” by AM Best • Publicly traded on the NASDAQ Global Marketunder the stock symbol “AFSI”

4. Portfolio of Insurance Products • Multiline Small Business Insurance • Warranty and Specialty Risk Insurance • Specialty Program Business Insurance

5. Specialty Program Business Strategy • Focus on General Agent partners that are experts in their niche classes and focus on specialty, non-commodity segment of the business with a proven record of underwriting results • Partnerships that involve some risk sharing • Employ a multi-disciplined Underwriting approach – Finance, Claims, Underwriting, Actuarial, Loss Control, Marketing, Legal, Audit and IT • Seek small and mid-sized risks • Maintain a well diversified portfolio by customer type, geography, and distribution channel

6. Professional Liability Programs Model “Appoint experienced, reputable, dedicated Managing Producers with controlled delegated underwriting authority, subject to the AmTrust program business strategy by segment”

7. AmTrust Financial Services Inc. Comparative results YTD 2017 v. YTD 2016 As of June, 2017

8. Results Q2 2017 Highlights • Gross written premium of $2.20 billion • Net Earned premium of $1.40 billion • Operating earnings of $72.90 million As of June, 2017

9. Professional Lines Architects & Engineers Lawyers Insurance Agents Management Liability Real Estate Agents Accountants Home Inspectors

10. AmTrust Claims/Risk Management • Free Contract Review and Pre-Claims Assistance by two independent law firms – David Ericksen (Severson & Werson) and David Pollack (Lewis Brisbois, Bisgaard & Smith) • Website dedicated to Risk Management resources • Dedicated claims staff with A/E experience • 24-hour response time • Panel counsel – In process of updating! • Webinars

11. All Risks/AmTrust – Program Highlights • Admitted in 44 states (NYFTZ in NY) • $5M practice limits available in most states • Firms with up to $15MM in billings • Defense costs “outside of limits” • First dollar defense and 25/75 Shared Expense • Installment plans for qualified firms • Automatic renewal available for qualified firms • Worldwide coverage

12. Answers to a/e ProNet Questions • Rating base • Limit offerings • Excess offerings • ERPs • Contract Review offerings • Risk Management Website • Claim details • Response times • Adjusters • Top three loss leaders by discipline (both frequency and severity) • Top three loss leaders by project type

13. Highlights of New Policy Form • Pollution Liability, CPL and Advertising Personal Injury added • Amended reporting provisions to apply to key individuals • Insured has ability to select from panel OR request other counsel • “Soft Hammer” • LEED Coverage clarified • Coverage for reimbursement of legal fees of others • Added Independent Contractors • Deductible reduced with successful use of Limitation of Liability • Added Supplemental Payments for : Disciplinary Proceedings Crisis Event Peer Review Network Security ADA Reimbursement

14. All Risks A&E ProgramTakeaways • Dynamic partnership – committed to expanding and evolving to meet market needs. • Continued consistent underwriting approach • Agency management efforts will be focus in coming year • Partnering with agents successful with us • a/e ProNet agents represent 7% of our program premium – how do we become a better resource for you? • Questions/Feedback The content contained in these materials are prepared for informational purposes only. References to coverages or policy language is not intended to serve as solicitations for insurance and are not a substitute for the actual policy language or terms and conditions of coverage issued by the carrier or company. None of the information contained herein represents express representations, endorsements or views of AmTrust North America Inc., AmTrust Financial Services Inc., AmTrust Underwriters Inc. or any other member companies, affiliates or assigns. The information represents the opinions of the authors and have been prepared and presented based upon those opinions only. These materials are prepared for the mutual benefit of the parties in attendance at a/ePronet Chicago.

15. Thank You www.allrisks.com