Virtue Risk Partners,

Virtue Risk Partners, LLC (“Virtue”) presents a way of doing business, which includes much more than just an insurance proposal. We are specialty underwriters whose mission is to add value to everything we touch. Our daily value proposition is to offer quality service, solid coverage, competitive pricing, and stable risk management alternatives that will bring long term value and stability to our business partners. Our ultimate goal is to operate for the greater good of society and use a healthy portion of our profits to invest, create jobs and support worthy charitable causes. We are program managers and long term company underwriters who support our wholesale agents with specialty products and underwriting services in all fifty states. Virtue’s team of experts collaborate closely with our carriers and wholesale business partners to deliver custom risk and insurance solutions in a highly disciplined and focused manner. With more than fifty years of combined experience in underwriting, consulting and risk management, Virtue Risk Partners brings a wealth of knowledge to the table. We take pride in our strong and lasting business relationships with our valued partners. Our extremely motivated employees adhere to Virtue’s highest standards of underwriting excellence. Our trusted formula generates stability for everyone we work with by writing annually renewable, relatively low limit insurance policies for small to middle market commercial service businesses. We provide world-class customer service and continue to push our technological offerings to make our customers’ lives simpler. Our marketplace insights and streamlined decision-making process ensures competitive pricing and fast turnaround time. Our expertise and stability supports our business partners and policyholders with: Commercial and Environmental Insurance Coverage Specialty Products World Class Customer Service Long Term and Valued Partnerships Cutting-Edge Technology Underwriting Excellence Operational Excellence Wholesale Distribution Our current products are designed specifically for environmental consultants, contractors and engineers. They target environmental risks in all of these risk classes. As the risks around us evolve and expand, we stay focused on your stability and protection. We can also offer primary Auto and Worker’s Compensation coverage through our MGA partners. Either way, Virtue brings the following Core Virtues to our relationships and associated insurance transactions: Wisdom, Responsibility, Preservation, Diligence, Humility, Patience & Philanthropy.