everest insurance overview · everest insurance® markets property, casualty, specialty and other...

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Everest Insurance Company of Canada Always Ascend With An Experienced Team

Everest Insurance® markets property, casualty, specialty and other lines of admitted and non-admitted direct insurance on behalf of Everest Re Group, Ltd., and its affiliated companies. Everest®, the Flag Logo, Everest Insurance®, and Everlink® are registered service marks of Everest Reinsurance Company.

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Everest Insurance Company of Canada

HISTORY, ORGANIZATION AND CULTURE

COMPANY OVERVIEW

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Everest Insurance® is a world class diversified specialty insurance company built for the modern era –

with a bold, nimble, and collaborative underwriting approach.

Everest Re Group, Ltd. History

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A leading international (re)insurance company with broad underwriting expertise, global presence, strong financial ratings, and substantial capital.

Timeline of Key Events

1973 2016 1991 1995 1996 2014 2015 2017 2020

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Everest Re Group, Ltd. Fast Facts

• Everest Re Group (NYSE: RE) is a member of the S&P 500 index

• Among the top ten reinsurers globally and among the world’s largest property CAT reinsurers

• 5.4% expense ratio and 2.8% for reinsurance operations, among lowest in industry

• Everest Insurance is the fastest growing specialty P&C insurer globally over the last three years*

• Mt. Logan Re sidecar with $1.046 billion in assets under management as of January 1, 2019

• The 4Q of 2018 marks the 16th consecutive quarter of underlying growth for our global insurance business and the 7th quarter out of the last 8 where we produced an underwriting profit

Top Financial Ratings A+ XV A.M. Best A+ Standard & Poor’s A1 Moody’s

2018 Group Results $24.8B in Assets $8.5B in Gross Written Premium $7.9B in Shareholders’ Equity 87% Calendar Year Attritional Combined

2018 Insurance Results Attritional Combined Ratio 93.3% Gross Written Premium $2.3B, up 9% 17 Offices Globally Over 600 Employees

*Source: SNL U.S. Statutory P&C Income Statements as reviewed 12/7/2017 (direct business only; does not include assumed business)

We’ve organically built a top ten global specialty insurer that is also the fastest growing specialty P&C insurer globally over the last three years*

Deep roster of specialty products - over 150 - with broad geographic reach, 17 offices across N. America & Europe

GWP for 2018 was a record $2.3 billion (up 9% YoY)…normalizing for lines of business where deliberate underwriting actions were taken, growth for the year was 21%

Full year GAAP underwriting profit with a combined ratio of 95.3% (attritional combined was 93.3%)

Since 2016, we’ve written $1.4B of new GWP in high-value lines of business that weren’t part of our portfolio previously

Lloyd’s of London operation eclipsed $150M GWP in 2018

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Everest Insurance® Financial Highlights 2018: A pivotal year…

Everest Re Group 2018 Financial Highlights

$8.5 Billion GWP (up 19% YoY) $24.8 Billion Assets (up 10.6% vs. YE 2017) $4.65 After-tax Operating EPS 87.0% Calendar Yr Attritional Combined $7.9 Billion Shareholders’ Equity 7.4% Debt-to-Capital Ratio 10.2% 10-Yr Average Operating ROE

Financial Strength Ratings

A.M. Best: A+ XV S&P: A+ Moody’s: A1 Everest Re Group (NYSE: RE) joined the S&P 500 in 2017

*Source: SNL U.S. Statutory P&C Income Statements as reviewed 12/7/2017 (direct business only)

Everest Insurance®

Everest Insurance

U.S.

Everest International Assurance


Lloyd’s of London Syndicate 2786

Accident & Health

The Everest Insurance® Group

Everest Insurance Company of Canada 7

Everest Insurance®

Value Proposition


Everest Insurance®

Culture


10

>800 Employees

18 Offices

• Non-U.S. offices are located in Dublin, London, Toronto, & Bermuda

Bermuda

Walnut Creek

Los Angeles

Houston Tampa

Boston

Stamford, CT

New York Liberty Corner, NJ

Atlanta

Toronto

Chicago

Indianapolis

Dublin London

Everest Insurance®

Global Office Locations

San Francisco

Orange

Philadelphia

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Everest Insurance®

Organizational Configuration

EVEREST INDUSTRY

SOLUTIONS

Energy Transportation Sports & Leisure Financial Institutions Private Equity Structured Solutions

EVEREST SPECIALTY

COMMERCIAL

US Property Specialty Casualty Risk Management

Group

EVEREST GLOBAL

MARKETS


Lloyd’s of London Syndicate 2786

Everest Insurance Ireland, dac Bermuda

EVEREST UNDERWRITING

PARTNERS

Programs Opportunistic & Niche Business Technology-Driven Distribution EVEREST

ACCIDENT & HEALTH

Short Term Medical Medical Stop Loss Pro Sports Disability Medicare Supplement

EVEREST SPECIALTY

UNDERWRITERS

Management Liability Professional Liability Transactional Liability Surety Cyber Trade Credit & Political Risk

150+ specialty products across these operating divisions

Mike Karmilowicz EVP, Everest Insurance®,

President, Everest Insurance® North America P&C

Everest Insurance® Executive Management Team

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Dane Lopes Chief Commercial

Officer

Connie Germano Head of Specialty

Casualty

Jonathan Zaffino President & CEO

Marty Scherzer Head of Structured

Solutions

Mike Mulray Chief Underwriting

Officer

Lou Monteagudo Head of Accident &

Health

Tom Morelli Head of Energy

Casualty

Brian Drum Head of Everest

Underwriting Partners

Dave Sandler President, Head of Risk Management

Group

Erik Nikodem Head of US

Property

Bill Thygeson Chief Administrative

Officer

Patricia McMahon Chief Claims Officer

Segment Leadership

Linda Ryan CEO, Everest

Insurance (Ireland), DAC

Paul Kneafsey Active Underwriter

Lloyds Syndicate 2786

David Nikolai Head of Specialty Insurance Group

Darin Scanzano CEO, Everest

Insurance Company of Canada

Vincent Vandendael CEO, Everest

Global Markets

Nicole Robertson Everlink® Business

Lead

Kyle Adams Head of Bermuda

Insurance

Luke Lichty Head of Canada

Specialty Commercial & Marketing & Distribution


EVEREST CANADA

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Everest Canada Organization

Specialty

Commercial

Sports & Leisure

Everest Canada Operations

Contractors/ Construction

Manufacturing

Commercial Realty

Environmental

Risk Management Property

Management

Liability

Asset Managers

Insurance Companies

Specialty Finance Companies

Banks Private Equity Firms

Venture Capital Firms

Private Investment Funds

Everest Underwriting

Partners


Construction

Entertainment

Dance & Fitness

Salon /Studios

Equine

Motorsports

Not-for-Profit Organizations

Sports

Leisure

Entertainment

Events

In Canada, we are a Diversified Specialty Insurance Company with four trading segments:

Everest Canada Management Team

Darin Scanzano President & CEO

Collette Beckford Director Finance

Lynn Der Vice President of Operations

Rocco Passarelli

Director, Everest Underwriting

Partners

Luke Lichty Head of Specialty

Commercial & Marketing & Distribution


Lucinda Laranjeira Manager,

Sports and Leisure

Kevin Pinto Chief Underwriting

Officer

Mylène Côté Vice President, Claims Chief

Compliance Officer

Dave Sandler Head

David Melhuish Director,

Management Liability

David Nelis Vice President,

Commercial Casualty


PRODUCTS

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Property


- Alternative risk appetite - Educational - Hospitality - Light manufacturing - Public and private

institutions - Real estate - Recreation and leisure

Capacity In-house limits up to $30 million

Coverage Features - Adaptable and versatile CAT capacity - Access to alternative solutions - Ground-up, primary, or excess policies - Coverage written on a non-admitted basis - Ability to write on broker manuscripts or on our

Everest Pinnacle Form

Everest Insurance Company of Canada delivers innovative solutions to protect our diverse property clients around the world. Our in-depth knowledge, tailored approach, and financial strength will manage your biggest risks.

Customer Profile Offering - Ability to consider a broad array of coverage

requirements - Collaboration with inland marine on offerings - Deep market knowledge and diverse classes of

business

Inland Marine


Everest offers comprehensive inland marine coverage for a diverse group of business classes with the flexibility and creativity to design tailored solutions for full coverage – regardless of complexity or challenge. Minimum premium of $10,000. Customer Profile

- Construction - Logistics - Communication/Technology - Specialty (Fine Arts, Museums, Dealers, Jewelers, etc.)

Offering

- Builders Risk - Installation Floaters - Contractors Equipment - Motor Truck Cargo Legal Liability (including commercial APD) - Warehouseman's Legal Liability - Fine Arts - Floaters & Miscellaneous Coverages - Commercial Output Product

Capacity Limits up to $10 million

Casualty


Everest Insurance Company of Canada is a market leader in casualty, offering innovative products, responsive service, and unsurpassed financial strength.

Customer Profile

- Commercial real estate - Construction (except western states and

New York) - Cosmetics

Offering - Auto liability - Commercial general liability - Companion workers’ compensation - Excess liability - Products and completed operations - Vendors coverage

Capacity Limits up to $20 million in-house with re-insurance versatility to write beyond these limits

- Health and beauty aids - Hospitality - Manufacturers - Retail

Coverage features - Guaranteed cost - Self-insured retentions - Large deductibles - Fluid limit structures - Manuscript forms and endorsements - Occurrence and claims made - Bundled and unbundled claims service

Environmental


Customer Profile - Asbestos abatement - Lead abatement/removal - Medical/infectious waste removal - Recycling - Sewer and water main

Offering Contractor's Pollution Liability (CPL) with many coverage enhancements available including:

- Claims Made or Occurrence Form Available - Emergency Response Expenses - Loading & Unloading - Non-Owned Disposal Site Coverage - Transportation

Capacity Contractors Pollution Liability: $10 million Occurrence and claims-made based wordings available, defense inside and outside the limit options

- Bio remediation - Liquid waste removal - Mould remediation/removal - Restoration and remediation - Waste hauling

Umbrella & Excess


The seasoned underwriters at Everest Insurance Company of Canada help companies manage risk and tailor coverage for specific industries and risks. We offer umbrella and excess solutions with high capacity limits. Customer Profile

- Finance and real estate - Food and beverage - Grocers - Hospitality - Manufacturing - Retail trade - Restaurants - Service Industries

Capacity In-house limits up to $20 million

Professional & Management Liability


- Dedicated and experienced underwriting team with dedicated product/ industry specialties

- Service-oriented culture with a focus on ease of doing business

- Relationship-oriented approach with brokers and clients

- Creative underwriting solutions for unique risks - $5,000 minimum premium

Everest Canada offers management and professional liability coverage for Commercial Entities and Financial Institutions. We have a wide range of management liability capabilities available for publicly traded and private companies in the commercial space. We also have tailored insurance policies specifically for Banks, Insurance Companies, Insurance Agents/Brokers, Investment Advisors, REITS, Mutual Funds, Private Equity / Venture Capital funds, and Hedge Funds. All professional and management liability products are available on both primary and excess basis. Offering Coverage Features

- Directors and Officers Liability including broad form lead Side A DIC

- Professional Liability - Employment Practices Liability - Fiduciary Liability - Fidelity Bonds

Capacity Limits up to $15 million

Professional & Management Liability


In addition to the Professional and Management Liability products available for commercial entities and financial institutions, Everest Canada has developed unique and tailored solutions in the following areas: Offering

- Everest Rappel® Endorsement - Optional coverage that can be added to an excess D&O policy providing defence cost actions

when a successful motion to dismiss is obtained - Coverage will drop down and reimburse the insured for up to 50% of the primary policy’s self-

insured retention and is granted and is granted outside the excess policy’s limit of liability - Representations and Warranty and Tax Indemnity Insurance - Political Risk and Trade Credit Insurance

Credit & Political Risk


- Limits up to USD 150 million - Tenors up to 15 years

Coverage Features: - Contract Frustration / Sovereign Non-Honoring

- Including sub-sovereign and state-owned enterprises

- Equity / Lenders Political Risk - Expropriation - Political Violence - Currency Inconvertibility - Arbitration Award Default - Denial of Justice - Business Interruption - Forced Abandonment - Selective Discrimination - Forced Divestiture

Offering a market leading range of product capabilities with limits and tenors that are among the largest in the industry. These capabilities, coupled with the financial strength of Everest and our experienced team that is empowered to execute quickly, allow Everest to meet the coverage needs of our broker, bank, corporate, and public agency partners. Political Risk Insurance Credit Insurance

- Limits up to USD 50 million - Tenors up to 7 years

Coverage Features: - Trade Receivables - Pre-Export Finance - Confirmation of Letters of Credit - Buyer Non-Payment or Non-Performance - Bank-to-Bank Loans - Buyer Finance - Working Capital Financing - Non-Trade Structures - Project Finance (non-payment by an SPV)

Structured Solutions


Starting with an open mind, and accessing the full range of the Everest Group’s best in class technical capabilities, multiple, global statutory entities, and strong balance sheet, the Structured Solutions team develops innovative insurance, reinsurance, and investment structures to address complex or unique issues. Nimble and built for fast triage, the group seeks to address our clients’ most challenging and material risks.

Coverage Features - Capacity ranges from $10 million to $100 +

million - Admitted and non-admitted paper available - Customized, manuscript policies are the

norm - Ability to structure premiums, limits, and

coverage

Offering - Tailored solutions covering all lines insurance

including property, casualty, and financial lines - Credit insurance, including mortgage insurance,

capital relief and other financial risks - New products - Unusual merger related risks, including legacy issues

Customer Profile - Focus in on large, difficult to place risks that

present material issues to the insured - Premium is typically greater than $1 million - Global in scope - Broad industry appetite - Public and private institutions - Willing to work to develop new products and

structures


DEPARTMENTS

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Everest Underwriting Partners


Everest Canada is a leading insurer of program business with a proven track record of success. With capabilities and a full array of claims and loss control services our products are designed to meet the specific needs of each customer and are modified to respond to changes in the evolving marketplace.

Customer Profile - Programs that have demonstrated a profitable track record, show potential for growth, and have unique

characteristics that set them apart from others in their industry

Offering - Property - Inland Marine - General Liability - Excess and/or Umbrella Liability - Crime - Professional Liability - Equipment Breakdown

Our Program Administrators Feature

- Knowledge of the chosen marketplace and expertise in the targeted book of business - A solid distribution system with demonstrated entrepreneurial skills and strong financials - Rating and Policy issuance authority

Specialty Commercial


Everest Canada offers property and liability coverage for a range of businesses in a series of targeted commercial occupancies through specialized contracted brokers. Customer Profile

- Environmental - Construction and Contractors - Manufacturing/Wholesale - Commercial Realty

Coverage Features Minimum Policy Premium $10,000

Specialty Commercial Construction and Contractors


Customer Profile - Cement and concrete - Drilling - Insulation/ Waterproofing - Medical Equipment Installation - Paving and road construction - Sewer and water main

Offering - All-Risks “Broad Form” Property Insurance including Business Interruption with many coverage

enhancements - Equipment Breakdown Insurance - Primary Casualty (CGL) with many coverage enhancements available including sub-limits for

- Contractor’s E&O Liability - Faulty workmanship - Limited Pollution Liability (72, 120 or 240 hours) or option for gradual pollution liability

- Commercial building construction - Elevators/ escalators - Mechanical and electrical systems - Mobile repair service - Production facilities - Structural steel erection

Specialty Commercial Manufacturing/ Wholesale risks


Customer Profile - Construction equipment - Food and beverage - Machinery and equipment products - Plastic products - Safety equipment

Offering - All-Risks “Broad Form” Property Insurance including Business Interruption with many coverage

enhancements - Equipment Breakdown Insurance - Primary Casualty (CGL) with many coverage enhancements available including sub-limits for

- Manufacturer’s Errors & Omissions (E&O) Liability

- Consumer goods - Light and heavy metal products - Rubber products - Wood products - Sporting goods

Commercial Realty


Everest Insurance Company of Canada is committed to delivering exceptional customer service and knowledge for mid to large size clients in a series of targeted commercial spaces.

Customer Profile − Multiple occupancy- Commercial, Industrial,

Residential − Office buildings − Property management − Real estate ownership & management − Shopping malls

− Townhouse complexes − Warehousing − Established firms and/or property managers with scheduled

locations − Operations whose owner/ management/ key on-site personnel

have a minimum of 3 years of contracting experience

Offering − All-Risks ‘Broad Form’’ Property Insurance including Business Interruption with many coverage enhancements − Equipment Breakdown Insurance − Primary Casualty (CGL) with many coverage enhancement available, including sub-limits for:

− Fungi & fungal derivatives − Coverage for bodily injury & property damage for said extension − Limited Pollution Liability (72, 120 or 240 hours) − Coverage for the bodily injury or property damage for sudden & accidental release of pollutants to third parties if

detected within a specific time frame (either 72, 120 or 240 hours) − Umbrella & Excess Liability; including Primary Umbrella, Excess Umbrella, Straight Excess and Stand Alone Buffer Layers

Capacity − Limits up to $20 million: Property, business interruption including equipment breakdown − Limits up to $10 million: Primary Casualty − Limits up to $20 million: Umbrella & Excess Casualty − Occurrence and claims-made based wordings available, defense inside and outside the limit options − Appetite for high U.S. and/or foreign exposure up to 100% on certain classes − Minimum premium of $10,000 for mono-line policies or package policies

Sports & Leisure


Target Sectors:

− Sports

− Leisure

− Entertainment

− Events Minimum Policy Premium $2,500

Sports & Leisure Sports


Customer Profile - National sporting organizations - Provincial sporting organizations - Sports clubs and leagues - Professional sporting organizations

- Sports venues or training facilities - Private sporting companies - Fitness centres/ gyms - Sports equipment stores

Offering - CGL with many coverage enhancements available, including:

- Injury to participants - Abuse - Travel to other countries - Errors and omissions

- Participant accident coverage - Full claims made abuse coverage available for select risks - Property and Inland Marine - Non-profit D&O

Capacity - General, Umbrella and/ or Excess Liability: $10 million - Participant Accident: $25,000 - Property and Inland Marine: $30 million - D&O: $5 million

Sports & Leisure Leisure


Customer Profile - Art galleries and museums - Adventure Tourism - Family entertainment centres/ climbing walls - Recreation/ leisure activities/ groups

- Fairs and rodeo grounds - Casinos and horse tracks - Spas - Non-profit arts and cultural organizations


- Host Liquor - Performers - Camping - Injury to Participants - Spa Errors & Omissions

- Sport, Fair or Volunteer Participant Accident Coverage - Property and Inland Marine - Non-Profit D&O

Capacity

- General Umbrella and/ or Excess Liability: $10 million - Sports, Fair or Volunteer Participant Accident: $25,000 - Property and Inland Marine: $30 million - D&O: $5 million

Sports & Leisure Entertainment


Customer Profile - Art galleries and museums - Adventure Tourism - Family entertainment centres/ climbing walls - Recreation/ leisure activities/ groups

- Fairs and rodeo grounds - Casinos and horse tracks - Spas - Non-profit arts and cultural organizations


- Host Liquor Liability - Forcible Ejection - Foreign Performances or Out of Country - Multi-Event Policy

- Umbrella and/or Excess Liability - Property and Inland Marine - Errors & Omissions

Capacity

- General, Umbrella and/ or Excess Liability: $10 million - Property and Inland Marine: $30 million - E&O: $5 million

Sports & Leisure


Events Customer Profile

- Sporting events - Concerts - Live theatre or shows - Fairs and festivals

- Parades - Trade shows - Events promoters, planners or organizers


- Host Liquor Liability - Forcible Ejection - Pyrotechnics - Single or Multi-Events

- Umbrella and/or Excess Liability - Property and Inland Marine

Capacity

- General, Umbrella and/ or Excess Liability: $10 million - Property and Inland Marine: $30 million

Loss Control


Everest Canada partners with third party vendors to provide loss control services designed to help reduce the total cost of risk for our business partners and clients. Their loss control professionals are specifically trained and experienced in loss prevention, mitigation, risk transfer and other risk management techniques. Everest Insurance® also has loss control professionals at our U.S. Headquarters and a host of Internal resources that are available to our underwriting teams. Features

- Commercial Inspection and Risk Control Services

- Quick and Responsive Service

- Independent of Everest and the Insurance Brokerage

- Risk information and analysis

- Loss prevention, mitigation assessments and risk improvement recommendations and solutions

- Improved compliance leads to fostering mutual beneficial relationships between insurer, insured and broker

- Commercial Building Valuations

- Business Continuity Planning

Claims


Everest Canada is committed to delivering comprehensive claims services, efficiently, proactively and in innovative ways to achieve the best outcomes for our business partners and clients. Our staff of talented claims professionals possess an average of over 20+ years of industry experience with significant expertise in Property, Casualty, D&O, Financial and Professional Liability lines.

- Proven experience handling complex and large loss claims

- Claim reporting with a 24/7 toll-free claim reporting center

- State of the art claims system with paperless claims files serves to enhance our productivity and efficiency

- Customized and responsive claims service with a strong focus on loss mitigation and expense management to reduce the overall claims costs for our insureds

- A unique industry model that provides a superior and tailored claims experience for our brokers and insureds. Along with the expertise of the Everest claims team, we work closely with a select panel of approved Third Party Administrators, medical, and claims investigation experts.

- Litigation management, including; a dedicated defense and vendor panel fully vetted to assist in the best claims outcome and controlled expenses through negotiated pricing and through our e-billing system

- In-house Special Investigation Unit (SIU) staffed with experts in conducting investigations that control claims costs and identify and prevent fraud

- Dedicated in-house subrogation staff with expertise in collection services which reduce policyholder’s expenses, while maximizing recoveries

O b s e r v e | R e p o r t | R e s o l v e | R e v i e w | I m p r o v e 40

Everlink®

Primary Link

Appointed Agents and Brokers directly access the platform to quote, bind and issue polices

Intermediary Link

Insureds, agents or brokers access solutions by using a wholesaler’s

or intermediary portal that connects to Everest’s platform via

API to quote, bind and issue policies

Service Link

Agents, brokers or insureds directly access policy documentation,

claims, transaction history, and more. This information could also

be available through the intermediary link profile

Everest’s innovative platform, Everlink®, will deliver Everest Solutions across multiple digital channels. Designed to offer the client an agile, nimble and adaptable experience with a Modern Era Insurer.

We would be delighted to discuss how our digital solutions can better work for you. Talk to your local distribution team member about a demonstration of Everlink® or email [email protected] for additional information.

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mailto:[email protected]

Key Contacts - Always Ascend with an Experienced Team

Line of Business Key Contact Contact Information

Commercial Casualty David Nelis, Vice President (416) 487-2558 | [email protected]

Andrew de Weerdt, Director (416) 480-7346 | [email protected]

Ally Lawlor, Senior Underwriter (416) 425-0062 | [email protected]

Specialty Commercial Luke Lichty, Head (416) 480-7347 | [email protected]

Teresa Skrzyniak, Senior Underwriter (416) 480-7361 | [email protected]

Carlos Tey, Senior Underwriter (416) 487-3300 | [email protected]

Tu Anh Le, Senior Underwriter (416) 480-7359 | [email protected]

Mike Petranovic, Underwriter (416) 487-3305 | [email protected]

Debbie Mather, Underwriter (416) 480-7356 | [email protected]

Sports and Leisure Lucinda Laranjeira, Director (416) 487-3360 | [email protected]

Maria Cal, Executive Underwriter (416) 480-7343 | [email protected]

Josie Van Ryswyck, Senior Underwriter (416) 487-0073 | [email protected]

Heather Moyer, Underwriter (416) 305-3620 | [email protected]

Serena Francis, Underwriter (416) 979-8740 | [email protected]

Management Liability David Melhuish, Director (416) 480-7351 | [email protected]

Andrew Cadogan, Senior Underwriter (416) 487-3301 | [email protected]

Everest Underwriting Partners Rocco Passarelli, Director (416) 480-7360 | [email protected]

Marie Lenchuck, Senior Underwriter (416) 480-7344 | [email protected]

Deanna Wilson, Underwriter (416) 487-8345 | [email protected]


Everest Canada – Executive Team

Executive Key Contact Contact Information President & CEO Darin Scanzano (416) 979-7365 | [email protected]

VP, Chief Underwriting Officer Kevin Pinto (416) 480-7348 | [email protected]

VP Operations Lynn Der (416) 487-0084 | [email protected]

AVP Finance Collette Beckford (416) 979-7741 | [email protected]

VP, Claims & Chief Compliance Officer Mylène Côté (514) 463-3422 | [email protected]

Head David Sandler (646) 746-2703 | [email protected]










mailto:%[email protected]





mailto:%[email protected]











For additional information, please contact:


Darin Scanzano President & CEO, Everest Insurance Company of Canada (416) 979-7365 [email protected]

Everest Insurance® markets property, casualty, specialty and other lines of admitted and non-admitted direct insurance on behalf of Everest Re Group, Ltd., and its affiliated companies. Additional information on Everest Re Group companies can be found at the Group’s web site at www.everestre.com. All issuing companies may not do business in all jurisdictions. This literature is descriptive only. All coverage is subject to the language of the policy as issued. Everest®, the Flag Logo, Everest Insurance®, and Everlink® are registered service marks of Everest Reinsurance Company.


everest insurance overview · everest insurance® markets property, casualty, specialty and other...

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