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PRE-CLAIM ASSISTANCE RISK MANAGEMENT HOTLINE We are pleased to announce that Protective Insurance Company, Protective Specialty Insurance Company, and Sagamore Insurance Company (collectively, "Protective") have partnered with the nationally recognized law firm of Wilson Elser Moskowitz Edelman & Dicker LLP to offer a free Risk Management Hotline to Protective's Insureds. The Hotline will provide up to two hours of legal consultation. Through this service, policyholders will receive free, confidential legal consultation from attorneys with extensive expertise in professional liability matters regarding a vast array of potential issues and concerns, including pre-claim assistance and risk management counseling. The Hotline affords policyholders with the unique opportunity to consult with experienced attorneys in order to attempt to resolve matters and to mitigate potential exposure before an actual claim arises. Speaking directly with an attorney at the outset of a potential claim can often be the most important step in achieving favorable resolution and can also help to alleviate the anxieties and uncertainties associated with these situations. In today's hostile litigation climate, in which any type of error, no matter how small, can result in a claim, this free service is an invaluable resource for policyholders and is provided at no additional cost. There are countless examples of situations which require consultation with experienced attorneys. For example, you may discover that you committed a potential error in the course of rendering professional services or you may have received a subpoena request for documents and/or deposition testimony. Alternatively, you may be seeking guidance and feedback on how to best improve your current practices and procedures. The Hotline can be accessed toll free at 855-550-RISK (855-550-7475). All calls will be returned within 24 hours. Please note that the Hotline is not a substitute for reporting claims pursuant to the terms of your Protective policy, rather it is a free service offered to assist policyholders in identifying and establishing risk management practices and navigating the unique complexities surrounding "potential" claims. The purpose of the Hotline is to help you to identify and establish procedures that will assist you in avoiding claims, mitigating loss, and reducing potential exposure. In order to be entitled for coverage, claims must be reported using the exact procedures set forth in your insurance policy: no Hotline communication will constitute notice of a claim or a potential claim under your policy. Wilson Elser has agreed to provide this Hotline as a service for Protective. By using this service, each Protective policyholder acknowledges that Wilson Elser is not their attorney and that no attorney- client relationship is created between Wilson Elser and the Protective policyholder by use of the Hotline. LPLN0T01 [01/13] Page 1 of 1 Protective Insurance Company