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<DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><A href="../about_us/index.htm">About
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<DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><A href="../forms/request_organization_quote.htm">Request
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<p><font face="Arial, Helvetica, sans-serif" size="3"><img src="../images/logo.gif" width="360" height="44" alt="InsuranceServices.com"></font>
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<td height="4" width="425"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><b><font color="#000000"><img src="../images/2x2.gif" width="10" height="12"></font><font face="Arial, Helvetica, sans-serif" size="3"><b><font size="2">Insurance
for Professional Organizations</font></b></font></b></font></td>
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<P align="left"><font size="2" face="Arial, Helvetica, sans-serif">We
understand the exposures unique to professionals. Our goal
is to provide you with stability in your liability coverage and
options that are realistic for your needs. We invite you to <A href="../forms/request_organization_quote.htm">request
a quote</A> today.</font></P>
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<P><font size="2" face="Arial, Helvetica, sans-serif">The
professional liability department at Horenberg
Insurance provides: </font>
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<LI>
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<DIV align="left"><font size="2" face="Arial, Helvetica, sans-serif">Assistance
in completion and review of applications and
supplemental forms</font></DIV>
</DIV>
</LI>
<LI>
<DIV align="left">
<DIV align="left"><font size="2" face="Arial, Helvetica, sans-serif">Guidance
in qualifying for premium credits</font></DIV>
</DIV>
</LI>
<LI>
<DIV align="left">
<DIV align="left"><font size="2" face="Arial, Helvetica, sans-serif">Coverage
and premium comparisons</font></DIV>
</DIV>
</LI>
<LI>
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<DIV align="left"><font size="2" face="Arial, Helvetica, sans-serif">Responsive
turnaround on premium indications and binding
of coverage</font></DIV>
</DIV>
</LI>
<LI><font face="Arial, Helvetica, sans-serif" size="2">Coverages
for all types of professionals including the following:</font></LI>
</UL>
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<P><font size="2" face="Arial, Helvetica, sans-serif">
<B>Lawyers and Law Firms</B> </font>
<P><font size="2" face="Arial, Helvetica, sans-serif">Increased
coverage requirements are being dictated by
title companies, bar associations, lending institutions,
referral services and other organizations.
Attorneys are being exposed to new carriers,
products, restrictions and price variations.
</font>
<P><font size="2" face="Arial, Helvetica, sans-serif">In
response to the changing marketplace, Horenberg
Insurance offers a broad portfolio of professional
liability coverages provided by established,
competitive insurance carriers. </font>
<P><font size="2" face="Arial, Helvetica, sans-serif"><B>Title
Agents</B> </font>
<P><font size="2" face="Arial, Helvetica, sans-serif">Title
Agents, like most professionals, need proper
insurance protection at competitive rates. It
is critical for you to work without fear of
professional liability lawsuits jeopardizing
your financial security. But, unlike most businesses,
title agents have needs requiring special coverages
to protect your interest. </font>
<P><font size="2" face="Arial, Helvetica, sans-serif">Horenberg
Insurance provides Professional Liability and
the various state required bonds necessary to
protect you. </font>
<P><font size="2" face="Arial, Helvetica, sans-serif"><B>Dentists</B>
</font>
<P><font size="2" face="Arial, Helvetica, sans-serif">Our
malpractice program offers additional coverages
which most dentists should have but which many
policies from other companies exclude. </font>
<P><font size="2" face="Arial, Helvetica, sans-serif">Coverage
is generally written in a program with an insurance
company who in 1999 carried an A.M. Best rating
of "A+" (Superior) with a financial size category
of "IX". This program has provided dividends
up to 20% of the premiums to our clients.
While dividends are not guaranteed, the company
has declared dividends to dentists every year
since 1992. </font>
<P><font size="2" face="Arial, Helvetica, sans-serif">We
invite you to <A href="../forms/request_organization_quote.htm">request
a quote</A> or to <A href="../contact_us.htm">contact
us</A> for more information about our products and
services.</font></P>
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<FONT face="Arial, Helvetica, sans-serif" size="2" color="#CCCCCC">©</FONT>
<FONT size="1" face="Verdana, Arial, Helvetica, sans-serif" color="#CCCCCC">1999
- 2003 Horenberg Insurance Services, Inc.</FONT></DIV>
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