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<p class="MsoNormal">FYI \u2013 see below on our liability insurance. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I requested how much we currently have (3 million), current rate and quotes for an increase to 5, 7.5 or 10 million.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif;color:black">Justin Gray</span></b><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black">President</span></i><span style="font-size:9.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">PromoCentric, LLC</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">5 Forbes Road, Newmarket, NH 03857</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">Direct: (603) 758-7202</span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><a href="mailto:jgray@promocentric.com"><span style="color:blue">jgray@promocentric.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><a href="http://www.promocentric.com/"><span style="color:blue">promocentric.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><a href="http://promocentric.brandedpromotions.com/"><span style="color:blue">http://promocentric.brandedpromotions.com/</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black"><a href="https://twitter.com/PromoCentric"><span style="color:blue">Twitter</span></a> | <a href="http://www.facebook.com/PromoCentric"><span style="color:blue">Facebook</span></a> | <a href="https://www.linkedin.com/company/promocentric-inc."><span style="color:blue">LinkedIn</span></a> | <a href="https://plus.google.com/u/0/b/108439655135730772094/108439655135730772094/posts"><span style="color:blue">Google+</span></a> | <a href="https://www.youtube.com/channel/UCTqGyoPUBzvMqKtZ7-CqqTA"><span style="color:blue">YouTube</span></a></span><span style="color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b>From:</b> Joseph cunningham [mailto:jcunningham@cunninghaminsure.com]
<br>
<b>Sent:</b> Thursday, February 16, 2017 12:58 PM<br>
<b>To:</b> Justin Gray <jgray@promocentric.com><br>
<b>Subject:</b> RE: PYC liability insurance<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">Hi Justin<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">The Umbrella the club has a 3 Million dollar limit.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">When writing a marine umbrella it is called a Bumbershoot.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">The $3,000,000 bumbershoot is currently $5,130</span> ($1710 per million)<span style="color:#1F497D">. Tria = Terrorism Coverage cost $257 if chosen.( currently the club has chosen NOT to have terrorism coverage
)<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">I will get some additional figures for a higher bumbershoot limit Is there something in particular the club has concern with in particular to the liability.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Remember Liability applies when we create a hazard and damage is done.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal">Quote for higher limits:<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">$5,000,000 $7,130 ($1426 per million)<o:p></o:p></p>
<p class="MsoNormal">$7,500,000 $9,630 ($1284 per million)<o:p></o:p></p>
<p class="MsoNormal">$10,000,000 $12,130 ($1213 per million)<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I have an application I would have to complete prior to renewal.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I will also need to provide a list of claims we have had in the last 5 years.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The above gives you an indication on the higher limits and the associated cost.<o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span style="color:#1F497D">Joseph G. Cunningham \u2013CIC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Cunningham Associates Insurance LLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">295 Maplewood Ave.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Portsmouth NH 03801<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">(p) 603-334-3343<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">(f) 603-334-3341<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"> Justin Gray [<a href="mailto:jgray@promocentric.com">mailto:jgray@promocentric.com</a>]
<br>
<b>Sent:</b> Wednesday, February 15, 2017 8:33 PM<br>
<b>To:</b> Joseph cunningham<br>
<b>Subject:</b> Re: PYC liability insurance<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Hi Joe,<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">The board is also wondering how much our current $3 million liability policy is.<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Also, how much would it cost per million to increase the liability coverage? Or if easier how much for a $5, 7.5 or 10 million dollar liability policy?<o:p></o:p></p>
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<div id="AppleMailSignature">
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">Thanks in advance!<o:p></o:p></p>
<p class="MsoNormal"><b>Justin Gray</b> via mobile<o:p></o:p></p>
<p class="MsoNormal">PromoCentric, LLC<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><br>
On Dec 28, 2016, at 12:57 PM, Joseph cunningham <<a href="mailto:jcunningham@cunninghaminsure.com">jcunningham@cunninghaminsure.com</a>> wrote:<o:p></o:p></p>
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<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
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<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Good Afternoon Justin,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Currently the building is insured for $106,700.00 annual premium is $2,356.00.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">If we were to increase the coverage to $150,000 the cost would be an Additional $342.00.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">If we increase to $200,000 the cost would increase by $1,214.00.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">If we were to increase today to $250,000 the cost would be an Additional $2,561.00.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">The rates shown above are for increasing the coverage until the renewal in July 2 2017..</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Currently they can\u2019t provide the exact cost to increase the coverage based on the renewal date of June for the following reason.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo2"><![if !supportLists]><span style="mso-list:Ignore">1.<span style="font:7.0pt "Times New Roman"">
</span></span><![endif]><span style="font-size:14.0pt;color:#1F497D">The government has not set the rates that will be effective in June.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">The best guess based on the current rates would be to double to additional cost shown above. We are about half way through the policy tem so if you double the amount to increase to renewal
it gives you an idea what it would cost in June if the rates do not change greatly.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">In May I will be able to obtain a quote for the entire annual premium based on the above values.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">To review Annual Premium</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">$150,000 ( $2,698.00 )</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">$200,000 ( $3,570.00 ) )</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">$250,000 ( $4,917.00 )</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">Please note the above charges are if you increased the coverage today until the renewal July2, 2017.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D">Please call with any questions sorry for the delay.</span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoListParagraph"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Joseph G. Cunningham \u2013CIC</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Cunningham Associates Insurance LLC</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">295 Maplewood Ave.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">Portsmouth NH 03801</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">(p) 603-334-3343</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;color:#1F497D">(f) 603-334-3341</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"> Justin Gray [<a href="mailto:jgray@promocentric.com">mailto:jgray@promocentric.com</a>]
<br>
<b>Sent:</b> Friday, December 09, 2016 9:25 AM<br>
<b>To:</b> <a href="mailto:jcunningham@cunninghaminsure.com">jcunningham@cunninghaminsure.com</a><br>
<b>Cc:</b> <a href="mailto:roysail@hotmail.com">roysail@hotmail.com</a><br>
<b>Subject:</b> PYC flood insurance</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Hi Joe \u2013 I don\u2019t think we have met, but I am a PYC board member.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">One of the topics of last night\u2019s meeting was our flood insurance.
<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">We currently have a mortgage balance of $12,000 that will be paid off within the next 30 days or so, with that said, although flood insurance will no longer be a bank/mortgage concern, we still want to check to see what type of coverage
we currently have and the costs, and how much would it be if we were to maximize the coverage.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Feel free to give me a call to discuss, or email back our current costs/coverage and a quote for maximum coverage.<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Thanks!<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif;color:black">Justin Gray</span></b><o:p></o:p></p>
<p class="MsoNormal"><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black">President</span></i><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">PromoCentric, LLC</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">5 Forbes Road, Newmarket, NH 03857</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black">Direct: (603) 758-7202</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:black"><a href="mailto:jgray@promocentric.com"><span style="color:blue">jgray@promocentric.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:black"><a href="http://www.promocentric.com/"><span style="color:blue">promocentric.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:black"><a href="http://promocentric.brandedpromotions.com/"><span style="color:blue">http://promocentric.brandedpromotions.com/</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black"><a href="https://twitter.com/PromoCentric"><span style="color:blue">Twitter</span></a> | <a href="http://www.facebook.com/PromoCentric"><span style="color:blue">Facebook</span></a> | <a href="https://www.linkedin.com/company/promocentric-inc."><span style="color:blue">LinkedIn</span></a> | <a href="https://plus.google.com/u/0/b/108439655135730772094/108439655135730772094/posts"><span style="color:blue">Google+</span></a> | <a href="https://www.youtube.com/channel/UCTqGyoPUBzvMqKtZ7-CqqTA"><span style="color:blue">YouTube</span></a></span><o:p></o:p></p>
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