All Risks Announces Acquisition of Dwyer & Assoc.

August 13, 2004

All Risks, LLC, a part of All Risks, Ltd., a national independent wholesale broker/ Managing General Agent headquartered in Baltimore, Maryland, announced the acquisition of Dwyer & Associates in Oakland, California effective June 1, 2004.

All Risks, Ltd., was founded in 1964 and is one of the largest, independently owned wholesale operations in the country. All Risks provides insurance solutions to retail insurance brokers countrywide, with offices in Arizona, California, Florida, Georgia, Maryland, North Carolina, Pennsylvania, Texas, and Virginia. The acquisition of Dwyer & Associate’s products and people establishes All Risks’ presence in California by combining the capabilities of our markets and our staff.

Dwyer & Associates will continue to operate from their current location at 318 27th Street, Oakland, California 94612. The phone and fax numbers will remain the same: Phone (510) 452-9291; Fax (510) 452-9293.

E-mail addresses have changed for the Dwyer & Associates staff (effective June 1) to the following for Terry Dwyer: terry.dwyer@allrisks.com (first name.last name @ allrisks.com). Please use this formula for all individuals that at Dwyer & Associates.

Business with Dwyer & Associates will continue as usual, with emphasis on providing excellent service to clients as well as expand product opportunities. Contact Terry Dwyer, branch manager, locally if you have questions or Matt Nichols, executive vice president, at (800) 366-5810 ext. 3053.

For more information, call Hollie M. Hobbie at All Risks, Ltd., 10150 York Rd 5th Floor, Hunt Valley, M 21030. Phone (800) 366-5810 ext. 3031.

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