<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body style="overflow-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><div><br></div><div style="text-align: center;"><font face="Calibri" size="3">Yesterday we held our:</font></div><div style="text-align: center;"><br></div><div style="text-align: center;"><span style="font-family: CopperplateGothic-Bold;"><font size="4">2024 Insurance rate outlook panel discussion </font></span></div><div style="text-align: center;"><font face="Calibri" size="3" color="#002e7a"><i>Sponsored By Raj & Sharon Goel of Brainlink!</i></font></div><div style="text-align: center;"><font face="Calibri"><br></font></div><div style="text-align: center;"><font face="Calibri" size="3">It was a very INFORMATIVE and COMPREHENSIVE panel. If you missed it, you MISSED A LOT!</font></div><div style="text-align: center;"><font face="Calibri" size="3"><br></font></div><div style="text-align: center;"><b><font face="Calibri" size="3">Special THANK YOU to our Panelists:</font></b></div><div><p class="xmsonormal" align="center" style="margin: 0in; font-size: 11pt; text-align: center;"><o:p><font face="Calibri"> </font></o:p></p><p class="xmsonormal" align="center" style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;"><span style="font-size: 12pt;"><a href="https://www.gothamnetworking.com/Ben3449" style="color: blue;">Benjamin Palancia,</a> Albert Palancia Insurance Agency, Inc.</span><o:p></o:p></p><p class="xmsonormal" align="center" style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;"><span style="font-size: 12pt;"><a href="https://www.gothamnetworking.com/MichaelJakob" style="color: blue;">Michael Jakob,</a> SRI Safety Management, Inc.</span><o:p></o:p></p><p class="xmsonormal" align="center" style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;"><span style="font-size: 12pt;"><a href="https://www.gothamnetworking.com/ShawnBernabeu" style="color: blue;">Shawn Bernabeu,</a> USI Insurance</span><o:p></o:p></p><p class="xmsonormal" align="center" style="margin: 0in; font-size: 11pt; text-align: center;"><span style="font-size: 12pt;"><font face="Calibri"><br></font></span></p><p class="xmsonormal" align="center" style="margin: 0in; text-align: center;"><font size="3" face="Calibri">The participation & feedback from guests, some of whom are also in the industry, was a valuable addition!</font></p><p class="xmsonormal" align="center" style="margin: 0in; text-align: center;"><font size="3" face="Calibri"><br></font></p><p class="xmsonormal" align="center" style="margin: 0in; text-align: center;"><font size="3" face="Calibri"><b>To give you some insight:</b></font></p><p class="xmsonormal" align="center" style="margin: 0in; text-align: center;"><span style="font-size: medium;"><font face="Calibri"><br></font></span></p><p class="xmsonormal" align="center" style="margin: 0in; text-align: center;"><font face="Calibri"><span style="font-size: medium;">YES, the 2024 insurance rates are still rising but, the rate in which they are rising is slowing!</span><span style="font-size: 13.5pt;"> </span></font></p></div><div><div style="font-family: ArialMT;"><font face="Calibri"><br></font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b>Our subject matter experts also discussed things like:</b></font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><br></font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b>- </b>What the factors are that are affecting current insurance rates.</font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b> - </b>Carriers<b> </b>requesting information that could be assumed to be protected by HIPPA law.</font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3">- The effects of NY labor law on insurance.</font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b> - </b>Underwriters being more detail oriented on questions & requirements than they have in the past.</font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b>-</b> Excess lines of coverage.</font></div><div style="font-family: ArialMT; text-align: center;"><font face="Calibri" size="3"><b>-</b> D&O Claims (Directors & Officers Liability Insurance).</font></div><div style="font-family: ArialMT;"><div style="text-align: center;"><font face="Calibri" size="3"><b>-</b> EPLI Claims (Protections against many kinds of employee lawsuits).</font></div><div style="text-align: center;"><font face="Calibri" size="3"><b>-</b> How recent & past major cyber breaches affect Cyber Security Coverage.</font></div><div style="text-align: center;"><font face="Calibri" size="3"><b>-</b> How advancements in auto technology increase auto claims and its effects on the marketplace.</font></div><div style="text-align: center;"><font face="Calibri" size="3"><b>-</b> Exclusions & Certificates of Insurance for General Contractors & Sub Contractors</font></div><div style="text-align: center;"><font face="Calibri" size="3">-&-</font></div><div style="text-align: center;"><font face="Calibri" size="3">\U0001f4a1The importance of finding a broker who specializes in the coverage you need.\U0001f4a1</font></div><div style="text-align: center;"><font face="Calibri" size="3"><br></font></div><div style="text-align: center;"><font face="Calibri" size="3"><u>The biggest takeaway:</u></font></div><div style="text-align: center;"><span style="font-family: Calibri; font-size: medium;"><b>Many agents will review/analyze your current policies for FREE, TALK TO AN EXPERT!</b></span></div></div><div style="font-family: ArialMT; text-align: center;"><span style="font-family: Calibri; font-size: medium;"><b><br></b></span></div><div style="text-align: center;"><font face="Calibri" size="3">If you have topics you would like to hear about, feel free to let me know! </font></div><div style="text-align: center;"><span style="font-family: Calibri; font-size: medium;">Please consider joining one of our Panel Discussions or Industry Events in the future!</span></div><div style="font-family: Arial;"><br></div><div style="font-family: Arial;"><br></div></div><br class="Apple-interchange-newline"><div>
<meta charset="UTF-8"><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><br class="Apple-interchange-newline"><br></div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;">Regards, </div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><br></div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;">Rosalia Ruberto<br>Administrative Director<br>Gotham Networking<br><a href="mailto:rosalia@gothamnetworking.com">rosalia@gothamnetworking.com</a><br><br></div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"></div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><a href="https://www.linkedin.com/feed/update/urn:li:activity:7062411084221009920/">Gotham Networking LinkedIn</a></div><div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><a href="https://www.gothamnetworking.com">www.g</a><a href="https://www.gothamnetworking.com">othamnetworking.com</a></div>
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