We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President

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1 For more than a quarter of a century, Beskin and Associates, Inc. has been dedicated to providing our clients with value-based insurance products and risk management programs underwritten by superior companies. We are recognized as one of southeast Virginia s leading independent agencies. A full-service insurance firm committed to building long term relationships, we proudly serve hundreds of businesses and individual policy holders. Our goal is to carefully assess your needs, then place your coverage(s) with the company(s) that offer the most appropriate program at competitive pricing. Our experienced team is ready to listen to your concerns and solve your problems. No matter how challenging your situation, we ll provide you with the service, security and satisfaction to keep us worthy of your trust and confidence for years to come. We welcome the opportunity to work with you. Thank you. Richard A. Beskin, President

2 Our Agency For every one of us at Beskin and Associates, Inc. our goal is to build, grow and maintain long term relationships with each of our clients. We re dedicated to providing you with insurance products and risk management programs that best match your specific needs and that are underwritten by superior companies, at competitive prices. All insurance practitioners are not created equal. The selection you make is about value and the highest quality of service... dependable service you can count on, 24/7. It s about your security and satisfaction... achieved with professionalism and delivered with a focused commitment to you. Plus, it s about the peace of mind you ll enjoy with Beskin and Associates, Inc. because of the pro-active working relationship we develop. Headquartered in Virginia Beach, Beskin and Associates, Inc. is widely known for our more than 25-year tradition of professionalism. We re a full-service firm, offering a wide spectrum of services, including: Property and Casualty Insurance Life and Health Insurance Group and Individual Long Term Care Executive Benefits Long Term Disability Key Man Buy/Sell Bid/Performance/Surety Bonds Risk Management Services Consulting Services AFFILIATIONS IIAA - Independent Insurance Agents of America PIA - Professional Insurance Agents CPCU - Chartered Property Casualty Underwriters Society CIC - The Society of Certified Insurance Counselors As an independent insurance agency (non-captive to any one carrier), we represent many excellent companies that allow us to secure the best coverage for your particular needs. We will listen carefully to your concerns, thoughtfully assess your needs and examine the available options before offering an opinion and/or a proposal. We believe that our growth and success over the years have been based on the integrity, dedication, confidentiality and dispatch with which we operate every aspect of our business. Our knowledge, research, attention to detail and long-standing industry partnerships enhance your business and individual security - which is our measure of success. As a client of Beskin and Associates, Inc. you re assured of personal attention and knowledgeable advice. No matter what your situation - individual, family, small business or large enterprise - we ll go that extra mile to earn and keep your business and trust. We want to be your insurance agency - your go to advisor - for many years to come.

3 Our Pledge We believe that our growth and success over the years have been based on the integrity, dedication, confidentiality and dispatch with which we operate every aspect of our business. Our knowledge, research, attention to detail and long-standing industry partnerships enhance your business and individual security - which is our measure of success. As a client of Beskin and Associates, Inc. you re assured of personal attention and knowledgeable advice. No matter what your situation - individual, family, small business or large enterprise - we ll go that extra mile to earn and keep your business and trust. We want to be your insurance agency - your go to advisor - for many years to come. No matter how simple or how challenging your insurance situation, we pledge to: Listen to your concerns Strive to understand your needs Use our expertise to identify and obtain the most appropriate coverage(s) Resolve your risk and insurance challenges with integrity, dedication, confidentiality and dispatch. It s about service... about relationships built on knowledge and trust

4 Our Partners

5 Our People Richard A. Beskin, CPCU, CIC President Rick is president of Beskin and Associates, Inc. Since 1974, his commitment & dedication to his profession have been demonstrated in many ways. Over the years, Rick has served on industry boards, been involved in insurance education by achieving his CPCU and his CIC designations, and was instrumental in the establishment of The Insurance Center at Old Dominion University in Norfolk. Rick is a highly regarded practitioner among his peers. A past President of the Tidewater Chapter of the CPCU Society, he has also been Chairman of several Agent s Advisory Councils, and past board member of both the Professional Insurance Agents of VA-DC and the independent Insurance Agents of Virginia. Rick is a 1974 graduate of Virginia Polytechnic Institute and State University (Virginia Tech) with a BS in Business Administration/Marketing. He continued his postgraduate studies at Old Dominion University. Roy S. Beskin, CIC In 1985 Roy joined Beskin and Associates, Inc., where he plays a key role on the executive team as a. Roy began his insurance career after working for the Xerox Corporation, first as an Account Executive, then later being selected as a National Sales Trainer at Xerox World Training Headquarters in Reston, VA. A native of Norfolk, Roy received his degree from Virginia Tech in In addition to his success in business, Roy was honored by election to the Virginia Tech Sports Hall of Fame. Andrew L. Dobrinsky, Since 1988 Andy has been a member of the team at property and casualty insurance, executive benefits and risk management, as well as personal insurance coverages. Andy began his career in the insurance industry as a claims adjuster for Liberty Mutual, handling property, liability, auto and workers comp claims. Andy is a graduate of the University of Georgia with a BA in Financial Management.

6 Our People Deborah Lindale, CIC /Corporate Secretary Debbie has been serving the insurance community and a team member of Beskin & Associates since She is Vice-president / Corporate Secretary with primary responsibilities as chief operations officer. She earned her Insurance Institute of America certificate in 1992 and her CIC designation in She has served on various industry task forces and in 2002 as state president of the largest insurance agency computer management users group. Debbie is a 1976 graduate of Virginia Tech receiving her BA in English. Ralph Skip Ferebee Skip began his insurance career in 1979 when he started his own insurance agency. In 1988, he went to work with Sentry Insurance Company as their Virginia Marketing Specialist. In 1996, he became the Virginia Marketing Specialist for American Hardware Insurance Group where over the years, he was frequently recognized as one of the company s top account representatives. In 2003, Skip joined B&A, Inc, as /Account Executive. Skip is a 1967 graduate of Randolph Macon College where he earned a BA in Political Science. Daniel E. Speasmaker Dan brings 30 + years in the Hospitality Industry to Beskin & Associates, Inc. His career includes owning, operating, and managing several successful restaurants. Dan knows the hospitality business and Dan knows the insurance business. Dan is a 1969 graduate of Michigan State University with a BA in Hotel, Restaurant and Institutional Management, and earned his MBA from Old Dominion University in Dan has served with distinction as a board member of the Virginia Beach Restaurant Association since 1985, serving in positions of President and Treasurer, and has been active in the Virginia Hospitality Association.

7 Our People Rod Goldberg Rod brigs the the Agency his 30+ years of experience in the retail clothing business. His career includes owning and managing a large retail chain of women s clothing stores and being a senior executive of a national chain of men s clothing stores. Rod is a 1972 graduate of Ohio State with a BA in Marketing. Rod specializes in designing group and individual plans for: Health, Life, Disability (short or long term), Dental, Long Term Care Executive benefits such as Deferred Compensation, Key Person, Buy-Sell Pension & Profit Sharing Plans such as 401 k, Simplified IRA, Roth IRA Steven L. Reardon, CPCU, ARM /SR. Agency Underwriting Officer Steve has 30+ years experience in the property/casualty insurance business having earned the reputation as a highly capable and qualified underwriter/risk manager. Steve has earned the coveted Chartered Property/Casualty Underwriters (CPCU) and Associate in Risk Management (ARM) designations and also holds the Associate in Fidelity & Surety Bonding,(AFSB) and Associate in Marine Insurance Management (AMIM) designations. In addition to chairing and participating in many industry committees and advisory councils, Steve is also a board member of Old Dominion University s Insurance & Financial Services Center. Steve is a life-long resident of Virginia and earned a BS degree in Business Administration from Virginia Tech.

8 Our People Kathy H. Catlett, LUTCF Kathy has over 20 years of experience in the insurance industry. She began her insurance career with Federated Mutual Insurance Company. Subsequently, she worked for Liberty Mutual Insurance Company. Kathy received national recognition at both Federated Mutual Insurance Company and Liberty Mutual Insurance Company for outstanding achievements. Kathy is a graduate of Virginia Commonwealth University with degrees in Business Administration and Accounting. Elizabeth Griffin Elizabeth Griffin entered the insurance industry in 1980 as a Commercial Underwriter. Elizabeth s background includes ten years at Zurich Insurance and seven years at Fireman s Fund where she worked in Underwriting and Product Management. She has worked with small businesses to Fortune 500 companies. Elizabeth graduated from University of Richmond in 1979.

9 Our Products & Services Our experienced team at Beskin and Associates, Inc. offers you the highest quality of service dependable service you can count on any time you need us. We provide you with security and satisfaction achieved with professionalism and delivered with a focused commitment to your individual insurance concerns. Known for our more than 25-year tradition of professionalism, Beskin and Associates, Inc. is a full-service firm, offering a wide spectrum of services, including: Learn more about our products & services: Commercial Property/Casualty Personal Property/Casualty Health Insurance For Businesses For Individuals/Family Life Insurance For Businesses For Individuals/Family Dental Insurance For Businesses For Individuals/Family Long Term Care For Businesses For Individuals/Family Retirement For Businesses For Individuals/Family

10 Referrals Our experienced team at Beskin and Associates, Inc. offers you the highest quality of Should you wish to learn more about our commitment to the highest level of service and satisfaction for our clients, we will be happy to provide referrals in any of the areas for which we provide insurance products. Among these coverage areas are: Wholesalers Retailers Distributors Condominiums & Apartments Contractors: Commercial & Residential General Contractors Contractors: Artisans & Trade Contractors Restaurants Manufacturers Garages Automobile Dealers (Franchise and Non-Franchise) Marinas Pleasure & Commercial Watercraft Amusement, Sports & Leisure Industry Professionals, including Physicians, Lawyers, Architects & Engineers Web Based Businesses Non-Profit Organizations

11 Contact Us Regular Business Hours: 8:30am - 4:30pm Monday - Friday Phone: (757) Fax: (757) After Hours Emergency: Rick Beskin (757) Roy Beskin (757) Andy Dobrinsky (757) Ralph Skip Ferebee (757) Dan Speasmaker (757) Rod Goldberg (917) Elizabeth Griffin (757) Kathy Catlett (804) Address: Beskin and Associates, Inc. 300 Southport Circle Virginia Beach, VA We re available when you need us:

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