Profiles - New York Location

Christopher J. Cavallaro, RPLU Managing Director of ARC Excess & Surplus, LLC. He started in the insurance business in 1974 with American International Group, and worked there until 1986. He left American International Group as a Senior Vice President of both the Management Liability and Professional Liability Divisions. He had overall responsibility for all underwriting and claims control of all Management Liability and Professional Liability products written by National Union Fire Insurance Company for commercial accounts. In 1986 Mr. Cavallaro was one of the co-founders of ARC Excess & Surplus, LLC. ARC has grown to be the largest single independent wholesale broker specializing in Management Liability and Professional Liability products, placing over $200 million in premiums with over 45 insurance companies. ARC prides itself in its services and professionalism in the placement of Management Liability and Professional Liability insurance. Mr. Cavallaro graduated Cum Laude from Queens College with an Economics and Finance Degree. He also attended graduate school at CUNY. He received his Registered Professional Liability Underwriter (RPLU) designation in December 1999. Mr. Cavallaro has given numerous speeches and has written several articles concerning Management Liability and Professional Liability. He is the past president (1999) of the Professional Liability Underwriting Society -- an organization with over 3,600 members who specialize in Management Liability and Professional Liability insurance. He is currently a Trustee of the Professional Liability Foundation. Email: ccavallaro@arcxs.com Direct Dial: 516-408-5718 Direct Fax: 516-408-5781

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Mark Campson Mark Campson has been with ARC Excess and Surplus, LLC since May 1991, brokering Lawyers Professional Liability, Miscellaneous Professional Liability, Directors and Officers Liability, Pension Trust Fiduciary Liability, and Employment Practices Liability. Mr. Campson's specialty and expertise at ARC has been in the Lawyers and Employed Lawyers arena where he has brokered and underwritten many of the largest law firms in the country. Email: mcampson@arcxs.com Direct Dial: 516-408-5721 Direct Fax: 516-408-5712

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Michael Cavallaro, RPLU Michael Cavallaro is a director of ARC Excess & Surplus, LLC where he specializes in the underwriting and brokering of management and professional liability insurance products. Prior to joining ARC in May of 1992, his experience in the Directors & Officers Liability / Professional Liability Insurance field was as an underwriting assistant with American International Group from 1985 - 1990 and as an underwriter with Gulf Insurance Company from 1990 - 1992. Mr. Cavallaro has published articles and has given speeches concerning management and professional liability and is considered a leader in the industry. He acts as the co-chair to the Professional Liability Underwriting Society (PLUS) D&O Liability and Insurance Issues Symposium. Michael has also received the Registered Professional Liability Underwriter (RPLU) designation granted by the Professional Liability Underwriting Society (PLUS). Michael Cavallaro graduated with magna cum laude honors from City College of New York (CCNY), where he received a Bachelor of Engineering (Electrical Engineering) and a minor in Mathematics. Email: mcavallaro@arcxs.com Direct Dial: 516-408-5720 Direct Fax: 516-408-5702

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Robert D. Crocitto Robert D. Crocitto is a "full service" insurance broker at ARC Excess & Surplus, LLC specializing in the placement of Management and Professional Liability Coverage, as well as Commercial Crime Coverage and Financial Institution Bonds. Prior to joining ARC, Mr. Crocitto spent 12 years at Frenkel & Company, Inc. (a large International Insurance Broker firm headquartered in New York City) as Vice President of both their Commercial Accounts and Business Development Divisions. While at Frenkel, Mr. Crocitto placed and managed the D&O and Professional Liability Coverages for Frenkel's largest accounts both on the East and West coasts. Prior to working at Frenkel, Robert spent four years with BDS Securities, Inc. (NY) f/k/a R.D. Smith & Co., Inc., as an Assistant Securities Trader. Mr. Crocitto received his B.S. from St. John's University, NY in 1990 where he served as both a University Senator and Executive Board President of the Student Government. Mr. Crocitto is currently pursuing his Charted Property & Casualty Underwriter (CPCU) designation from The College of Insurance (NY). Email: rcrocitto@arcxs.com Direct Dial: 516-408-5767 Direct Fax: 516-408-5766

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Robert Drew Drew started his insurance career in 1970 with AIG where he held various administrative and underwriting positions with several of the AIG companies including American Home Insurance Company, National Union Fire Insurance Company and American International Underwriters. His last position at AIG was manager of the Pension Trust Fiduciary Liability unit. Upon leaving AIG Mr. Drew held positions as an MGA with Capacity Managers International and subsequently,Vice President of Fred S James Management Liability Unit. Upon leaving Fred S James he joined Reliance National for several years. Mr. Drew joined ARC as a broker in 1993 where he has since developed a book of business that spans the Professional Liability spectrum,with emphasis on D&O and EPLI. Email: mdrew@arcxs.com Direct Dial: 516-408-5724 Direct Fax: 516-408-5725

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Terry Hart, RPLU Terry Hart has been working at ARC Excess & Surplus since it opened its doors in 1986. Ms. Hart specializes in Non-Profit Directors & Officers Liability, and also brokers Miscellaneous Professional Liability, Employment Practices Liability, and Private Company Directors & Officers Liability. Ms. Hart is a graduate of Queens College with a B.A. Degree in History and has received the Registered Professional Liability Underwriter (RPLU) designation in December 1999. Email: thart@arcxs.com Direct Dial: 516-408-5744 Direct Fax: 516-408-5745

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Jeffery J. Karcz, Jr., RPLU Jeffrey Karcz has been with ARC Excess & Surplus since 1996, brokering Directors & Officers Liability, Miscellaneous Professional Liability, Pension Trust Fiduciary Liability, Employment Practices Liability, and related specialty coverages. Mr. Karcz specialty at ARC has been in the Employment Practices arena where he has completed an extensive comparison of many of the policy forms in this rapidly changing market. Prior to joining ARC Excess & Surplus, Mr. Karcz was an underwriter at National Union where he started in New York and was later transferred to Philadelphia. At National Union, Mr. Karcz underwrote Miscellaneous Professional, Public Officials, Third Party Administrator, Association Professional, Computer Professional, and Patent Infringement Liability Insurance. Mr. Karcz is a member of the Professional Liability Underwriting Society where he earned the Registered Professional Liability Underwriter designation in May 1999. He is a graduate of the State University of New York at Albany with a degree in Psychology. Email: jkarcz@arcxs.com Direct Dial: 516-408-5760 Direct Fax: 516-408-5706

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Joseph J. McCartan Joseph McCartan began his insurance career in February of 1996 with the Middle Market Unit of National Union Fire Insurance Company of Pittsburgh, Pa. as an Underwriter in the Home Office. Mr. McCartan was responsible for the National Venture Capital Association (NVCA) program specializing in the high-tech and bio-tech classes of business. In May of 1997, Mr. McCartan was transferred to the New York Region and was the designated Team Leader of the ARC book and was promoted to Senior Underwriter in August of 1997. In January 1999 Mr. McCartan started his broker career with ARC working directly with Michael Cavallaro. His responsibilities include brokering all lines of Professional and Management Liability. Mr. McCartan graduated from St. John's University in December 1995 with a B.S. in Finance and is currently pursuing the RPLU designation. Email: jmccartan@arcxs.com Direct Dial: 516-408-5705 Direct Fax: 516-408-5750

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Noelle Orlando Noelle Orlando has been employed for the last eleven years at ARC Excess & Surplus, LLC. Ms. Orlando's focus is on all size accounts within the arenas of Directors & Officers Liability, Employment Practices Liability, Non-Profit D&O, and Miscellaneous Professional Liability. Ms. Orlando has studied at The College of Insurance and is currently pursuing her RPLU Designation. Prior to joining ARC, Ms. Orlando worked in the Financial Services Departments at both Gulf Insurance Group and American International Group. . Email: norlando@arcxs.com Direct Dial: 516-408-5746Direct Fax: 516-408-5764

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Robin Schmitt Robin Schmitt brings more than twenty years of experience with him to ARC Excess and Surplus, LLC. Mr. Schmitt started with AIG in 1982 underwriting D&O, Professional Liability, and was responsible for overseeing the New York region prior to departing. Mr. Schmitt later went on to manage Cigna Insurance companies D&O/Professional Liability Department from 1988 -1991. Mr. Schmitt managed Transatlantic Reinsurance Holding Co's Professional Liability Facultative department on a Domestic and International basis from 1991 to 1994, inclusive of Program and Treaty management. Mr. Schmitt went on to become Vice President at Everest Reinsurance in 1994 managing the Professional Liability product line for Treaty and Facultative business worldwide up until 2001 when joined the ARC family. Email: rschmitt@arcxs.com Direct Dial: 516-408-5727 Direct Fax: 516-408-5772

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John Semeraro John Semeraro is a director of ARC Excess & Surplus, LLC and has been with the firm since January of 1992. Prior to joining ARC, Mr. Semeraro held various managerial positions in both brokering and underwriting - the latest of which was Senior Vice President with Marsh/FINPRO Division. With over twenty-five years experience in the Directors' & Officers' and Professional Liability Insurance arena, Mr. Semeraro brings a wealth of knowledge and expertise to the table. Mr. Semeraro was graduated from Hofstra University in 1976 with a Bachelor of Business Administration. He has also attended Hofstra for various graduate-level courses. Email: jemeraro@arcxs.com Direct Dial: 516-408-5722 Direct Fax: 516-408-5723

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Craig Thorsen Craig Thorsen is a producer at ARC Excess & Surplus, LLC brokering management and professional liability insurance products. Prior to joining ARC in 2002, Mr. Thorsen's experience in the Directors and Officers Liability/Professional Liability Insurance field was as a vice president at CNA for the past 8 years specializing in financial institutional products. He was a senior underwriter at AIG from 1991 to 1994 specializing in financial institutional management liability products. Mr. Thorsen graduated from Queens College with a major in accounting and later earned his MBA degree at Fordham University in 1991. Email: cthorsen@arcxs.com Direct Dial: 516-408-5770 Direct Fax: 516-408-5707

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Joseph Vaccaro Joseph Vaccaro brings to ARC Excess & Surplus, LLC an extensive amount of underwriting experience in the Management Liability arena. As a Senior Vice President with AIG's National Union Fire Insurance Company of Pittsburgh, Pa., Mr. Vaccaro spent approximately seven years within the Financial Institutions Group. There, he specialized in Directors & Officers Liability, Professional Liability, Employment Practices, Fiduciary Liability, and Fidelity for banks and insurance companies. Prior to joining AIG, Joseph worked for Chubb & Son in their Executive Protection Department underwriting similar management liability coverages for commercial insureds. Mr. Vaccaro began his career with MassMutual in their Group Life and Health division . Mr. Vaccaro holds a BA in Government from Bowdoin College and received his MBA in Marketing from Hofstra University. Email: jvaccaro@arcxs.com Direct Dial: 516-408-5768 Direct Fax: 516-408-5786