Excess Risk Reinsurance is committed to providing our clients with carrier partners that have strong, stable financial support.  As such, Excess Risk makes a conscious decision only to partner with carriers that are rated “A” (Excellent) or better by A.M. Best.  We’re proud to say that our carrier relationships match our company philosophy of “Commitment To Excellence In Service.”  Excess Risk Reinsurance is proud of our long-standing relationship with QBE Insurance Corp.for our Excess Loss business.  A.M. Best rates QBE “A” (Excellent) and Standard & Poor’s rates QBE “A+” (Strong).

ABOUT QBE the Americas

QBE the Americas is a member of the QBE Insurance Group, one of Australia’s largest insurance / reinsurance organizations. Founded in 1886, the Group has over 7,800 employees worldwide with operations in over 41 countries. The Group’s assets are in excess of AUD$29.7 billion and gross written premiums exceed AUD$9.4 billion for the year ended 12/31/2005. The QBE name is derived from the first letter of each of the principal purchased or merged companies.

Queensland Insurance Corporation

Bankers and Traders Insurance Corporation

Equitable Probate and General Insurance Corporation

QBE the Americas has five companies writing business in the United States:

• QBE Reinsurance Corporation
• QBE Insurance Corporation
• QBE Specialty Insurance Corporation
• National Farmers Union Property and Casualty Company
• United Security Insurance Company

These entities make QBE the Americas a financially strong and dynamic partner within the insurance market. QBE has been writing Employer Stop Loss business in the Americas since 1986 and has grown in that market significantly over the last four years. They maintain a very strong reputation in the Employer Stop Loss arena as one of the leaders in that market writing both Insurance and Reinsurance.

QBE the Americas Financial Highlights (As of and for the year ended December 31, 2005):

Total Assets: $1.043 billion

Capital & Surplus: $0.539 billion

Gross Written Premiums: $1.027 billion

For more information on QBE visit their website at www.qbe.com .