24-25 HRS Proposal

INSURANCE PROPOSAL Prepared for: Hickcox, Robertson & Stunda, LLC

MEETING OBJECTIVES How can we make this time meaningful for you today? 8/9/24 Page 2 of 20

TABLE OF CONTENTS Meeting Objectives 2 Table Of Contents 3 2024-2025 Premium Summary 4 Marketing Summary 5 Named Insureds 6 Property 7 General Liability 10 Workers Compensation 11 Commercial Umbrella 12 Professional Liability 13 Employment Related Practices 14 Cyber Liability 15 Other Available Coverages 16 Feedback for SWIA 17 Who We Are 18 Service Team 19 THIS DOCUMENT SUMMARIZES THE PROPOSAL FOR YOUR INSURANCE AND IS NOT A COMPLETE LIST OF EVERY FORM/ENDORSEMENT/EXCLUSION INCLUDED WITHIN THE POLICY. THIS IS NOT A CONTRACT. THE TERMS OF THE POLICY FORMS WILL CONTROL THE INSURANCE CONTRACT WITHOUT REGARD TO ANY STATEMENT MADE IN THE PROPOSAL. 8/9/24 Page 3 of 20

2024-2025 PREMIUM SUMMARY Expiring Comparable Renewal Description of Coverage Premium Premium Premium Business Owners Package 600 660 666 Property 0 0 0 2023 2024 BPP 123,480 135,828 General Liability 0 0 0 2023 2024 Square Feet 5,641 5,641 Includes Hired & Non-Owned Auto Worker's Comp 2,897 2,991 2,991 2023 2024 Payroll 1,832,000 1,900,000 Umbrella 575 600 625 Professional 4,250 12,750 14,009 2023 2024 Lawyers 4 12 Carrier Fee 350 350 350 Cyber Liability 3,411 3,737 3,737 2023 2024 Revenue 3,000,000 3,500,000 Card Transact 100,000 250,000 Carrier Fee 350 350 350 Employment Related Practices 5,869 5,869 5,869 Carrier Fee 350 350 350 Premium Total $18,652 $27,657 $28,947 Expiring Premium: Expiring premium including annualized endorsement changes. Comparable Premium: Expiring rates with renewal exposures Conditions / Subjectivities • Please provide a completed attorney roster with hours worked, year admitted, and date of hire. • Professional - fresh signature and date on application. 8/9/24 Page 4 of 20

MARKETING SUMMARY Carrier Result Notes Employment Practices Atlantic Specialty-Incumbent Quote 5,869 Professional Solutions Ins Co Quote 5,245 does not offer wage and hour – retro date Professional – optional Premium Limit Ded Berkley Select – Quote 14,481 1M / 2M 2,500 deductible and higher limits 14,559 1M / 2M 5,000 15,031 1M / 2M 2,500 Cyber Premiums do not include taxes/fees Coalition – Incumbent Quote 3,737 1M 2,500 Elpha – Quote 1,790 1M 2,500 requires download of specialty Subject to controls implementation software / free of charge TMHCC Quote 2,558 1M 50,000 uncompetitive retention Cowbell Quote 2,721 1M 5,000 uncompetitive coverage Fusion Quote 2,267 1M 5,000 uncompetitive coverage Corvus Quote 4,556 1M 2,500 uncompetitive premium CFC Quote 1,590 1M 5,000 no Cyber Crime 8/9/24 Page 5 of 20

NAMED INSUREDS on i d t lla y e a e t s lit o a n r i y l e b b ilit ut Re p m ia y A t m L t b l n o l U l ili ia a i e C ia na b c s c y l L r m ' r io ia t a r e s r r oy e s L e ti k m e r n mme pl m f e ope e or o b r o m o r y Named Insured P G C E P W C P C Hickcox, Robertson & Stunda, LLC         Location Schedule Loc Bldg Address 1 1 13010 Morris Rd., Bldg 1, Ste 400, Alpharetta, GA 30004 Building Type 8/9/24 Page 6 of 20

PROPERTY Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Hanover American Insurance Company Policy Dates Policy Number 8/31/2024 to 8/31/2025 OBAH355778 Coverage Detail Co- Cause Loc Bldg Subject Amount Val Ins of Loss Deductible 1 1 13010 Morris Rd., Bldg 1, Ste 400, Alpharetta, GA 30004 Business Personal Property $138,828 RC Special $1,000 1 1 Business Income ALS L Special 48 Hrs. Valuation Definitions (A) Actual Cash Value (G) Guaranteed Replacement Cost (R) Replacement Cost (B) Business Income Changes (I) Invoice Cost (S) Stated Amount (C) Agreed Amount (Waived Coinsurance) (L) Actual Loss Sustained (T) Total Insured Value and Replacement Cost (D) Reproduction (M) Market Value (U) Full Value Replacement Cost (E) Agreed Amount (Waived Coinsurance) (O) Other (V) Agreed Value (F) Functional Replacement Cost (P) Selling Price (X) Extended Value Replacement Cost 8/9/24 Page 7 of 20

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GENERAL LIABILITY Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Citizens Insurance Co of America Policy Dates Policy Number 8/31/2024 to 8/31/2025 OBAH355778 Coverage Detail Description Limits Per Occurrence $1,000,000 Annual Aggregate, Other Than Product $2,000,000 Annual Aggregate, Products & Completed Operations $2,000,000 Personal and Advertising Injury Aggregate $1,000,000 Fire Damage Liability $300,000 Medical Expense Each Claim $5,000 Schedule of Hazards Loc Bldg Premium Premium Class Code Classification Based On Basis 1 1 13010 Morris Rd., Bldg 1, Ste 400, Alpharetta, Georgia 30004 66122 Law Office Area 5,641 Forms & Endorsements Number Name Edition 391-1307 Lawyer's Deluxe Broad Endorsement 7/1/2017 BP1415 Limited Exclusion - Personal And Advertising Injury - Lawyers 7/1/2013 BP0404 Hired Auto And Non-Owned Auto Liability 1/1/2010 391-1006 Businessowners Liability Special Broadening 8/1/2016 391-1003 Business Owners Coverage Form 8/1/2016 391-1375 Amendment Limits Of Insurance Pers And Adv Injury Separate Limit 1/1/2010 8/9/24 Page 10 of 20

WORKERS COMPENSATION Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Citizens Insurance Co of America Policy Dates Policy Number 8/31/2024 to 8/31/2025 WDA-H355772-06 Coverage Detail Description Limits Employers Liability: Each Accident 1,000,000 Employers Liability: Disease – Policy Limit 1,000,000 Employers Liability: Disease – Each Employee 1,000,000 Locations & Classifications # Full Time St Code Description Payroll Employees Loc 1 13010 Morris Rd., Bldg 1, Ste 400• Alpharetta, GA 30004 GA 8820 Attorney All Employees & C,M,D 1,900,000 19 Loc 2 5011 Gate Parkway, Bldg 100, Ste 100• Jacksonville, FL 32256 Loc 3 97 West Oak Avenue• Panama City, FL 32401 Loc 4 2700 Corporate Drive, Suite 200• Birmingham, AL 35242 Loc 5 650 Poydras Street, Suite 1400• New Orleans, LA 70130 8/9/24 Page 11 of 20

COMMERCIAL UMBRELLA Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Citizens Insurance Co of America Policy Dates Policy Number 8/31/2024 to 8/31/2025 OBAH355778 Coverage Detail Description Limits Per Occurrence 1,000,000 Annual Aggregate Limit 1,000,000 Products & Completed Operations 1,000,000 Retained Limit 0 Underlying Coverages Policy Type Carrier / Policy # Policy Period Limits General Liability Citizens Insurance Co of 8/31/23 to 8/31/24 Each Occurrence America / OBAH355778 1,000,000 General Aggregate 2,000,000 Products & Comp Ops 2,000,000 Pers & Adv Injury Employers Liability Citizens Insurance Co of 6/31/24 to 8/31/25 Each Accident America / WBAH355772 $1,000,000 Disease Each Employee $1,000,000 Disease Policy Limit $1,000,000 8/9/24 Page 12 of 20

PROFESSIONAL LIABILITY Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Berkley Insurance Company Policy Dates Policy Number 8/31/2024 to 8/31/2025 PLP1872509P4 Coverage Detail Description Limits Description of Coverage Lawyers Professional Liability Insurance Per Claim 1,000,000 Aggregate Limit 1,000,000 Deductible / Retention 5,000 Prior Acts Date August 31, 2020 Schedule of Hazards Classification 23-24 24-25 Attorney Count 4 12 Forms & Endorsements Number / Edition Name 701-CR- 0419 Claim Reporting Procedures LPL 100901- 0122 Social Engineering Endorsement LPL 101101-M (rev. 04-17) Amend Insuring Agreement to Remove Career Coverage LPL 101901 (05-14) Addition of Prior Acts Date LPL 400912- 1023 Cyber Exclusion with Social Engineering and Cyber Coverage Exceptions LPL 504901 (07-14) Addition to Section V. D. Other Insurance LPL-GA-PAE (05-14) Georgia Policy Amendatory Endorsement LPL 383560-GA rev0124 Cyber Coverage Insurance 8/9/24 Page 13 of 20

EMPLOYMENT RELATED PRACTICES Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Atlantic Specialty Ins Company Policy Dates Policy Number 8/31/2024 to 8/31/2025 MML3151823 Coverage Detail Description Limits Type Claims Made Per Claim 1,000,000 Aggregate 1,000,000 Retention 25,000 Pending / Prior Litigation Date 8-31-2020 EPL Other Specific Limits Illegal Hiring or Harboring Sublimit $50,000 Employment Crisis Management Expenses Limit $25,000 Policy Aggregate Sublimit For All E-Discovery Consultant Services $10,000 applicable to EPL Additional Aggregate Limit For Defense Expenses Not Covered Type of Claim Defense Duty to Defend Forms & Endorsements Number Name MPF-30001-08-22 Private Company Management Liability General Terms and Conditions MPF-30001-EPL-06-18 Private Company Management Liability Employment Practices Liab Coverage MPE-000GA-06-18 Georgia Amendatory MPE-00024-09-10 State Amendatory Inconsistency MPE-30PRFM-09-19 Professional Firms General Terms and Conditions MPE-040GA-06-18 Georgia Amendatory MPE-04019-09-10 Workplace Violence Reimbursement Coverage Sublimit 250,000 MPE-04020E-05-19 Wage and Hour Claims Sublimit 150,000 MPE-04041-06-20 Biometric Information Privacy Sublimit 100,000 MPE-34PRFM-09-19 Professional Firms Employment Practices Liability Predecessor Firms N/A 8/9/24 Page 14 of 20

CYBER LIABILITY Named Insured Carrier / A.M. Best Rating Hickcox, Robertson & Stunda, LLC Coalition Ins. Solutions, Inc. Policy Dates Policy Number 8/31/2024 to 8/31/2025 TBD Coverage Detail Description Coalition Renewal Elpha Secure Aggregate $1,000,000 $1,000,000 Network Security and Privacy Liability $1,000,000 $1,000,000 Regulatory Liability $1,000,000 $1,000,000 PCI-DSS $1,000,000 $1,000,000 Media Liability $1,000,000 $1,000,000 Breach Response $1,000,000 $1,000,000 Breach Response Separate Limit $1,000,000 $1,000,000 Business Interruption $1,000,000 $1,000,000 Dependent Business Interruption $1,000,000 $1,000,000 System Failure $1,000,000 $1,000,000 Dependent System Failure $1,000,000 $1,000,000 Cyber Extortion $1,000,000 $1,000,000 Data Recovery/Restoration $1,000,000 $1,000,000 Bricking/Hardware Replacement Costs $1,000,000 $1,000,000 Reputational Harm $1,000,000 $1,000,000 Cyber Crime $250,000 $250,000 Invoice Manipulation $250,000 $250,000 Cryptojacking/Utilities Fraud $100,000 $100,000 Waiting Period 8 Hours 8 Hours Retention $2,500 $2,500 Schedule of Hazards Classification 23-24 24-25 Revenue 3,000,000 3,500,000 Payment Card Transactions Annually 100,000 250,000 8/9/24 Page 15 of 20

OTHER AVAILABLE COVERAGES These coverages are currently not included or not provided, but we recommend you Consider. COVERAGE DESCRIPTION FLOOD/EARTHQUAKE Provides property coverage for losses caused by flood (including mudslide) and earthquake, tremors, or other earth movement (does not include sinkhole). DIRECTORS/OFFICERS Provides defense and settlement to protect officers and directors of an LIABILITY organization against damages from claims resulting from alleged negligent or wrongful acts. TRUSTEE/FIDUCIARY Liability protection for those who administer pension and welfare funds, profit- LIABLITY sharing, or other benefit programs against loss by errors or omissions. CREDIT INSURANCE Credit Insurance should be considered when transacting with vendors overseas (ACCOUNTS RECEIVABLE) as well as here domestically. Credit Insurance reimburses bad debt losses from insolvency and bankruptcy situations. INTERNATIONAL LIABILITY Provides coverage for Individuals who live and work in the United States and occasionally travel overseas for business trips. For permanent operations in foreign countries, a separate foreign liability policy is required. Coverage can be purchased for General Liability, Hired Auto Liability, Accident/Disability/Dismemberment, Kidnap & Ransom, and Workers’ Comp. TRAVEL ACCIDENT Travel Accident Insurance provides accidental death and dismemberment benefits for employees while traveling abroad on company business, at the work site during their job, or on a 24-hour basis for employees. Coverage for War Risk and Political Evacuation may be available. 8/9/24 Page 16 of 20

FEEDBACK FOR SWIA Please share any input you have for our team. 8/9/24 Page 17 of 20

WHO WE ARE + Since our beginning in 1952, we’ve held true to our core purpose of leading complex businesses into safety and security. For us here at Snellings Walters, that means being more than just your insurance advisors. It means being your insurance advocates, digging deeper than surface level to find solutions that will lead to better outcomes. AUTHENTIC ACCOUNTABLE CURIOUS ENGAGED Values should be more than just words on a wall. They should be visible in all that you do. We’re proud to say that every-one of our employees’ lives these out every day. We lead to inspire confidence, so your potential is unleashed. We aren’t here to just provide services, but to give powerful advice that will help you control your outcomes. 8/9/24 Page 18 of 20

SERVICE TEAM + STEPHEN M. HARMON, AAI, ARM Principal Phone: (770) 508-3003 Email: SHarmon@snellingswalters.com + Why Steve does what he does: To encourage others for growth. Steve currently leads our Commercial Lines Department, which is staffed with the finest people in the insurance industry because they have purpose around a proven process in helping clients find solutions to complex problems. Steve grew up in Stone Mountain and attended Clarkston High School before majoring in Risk Management and Insurance at UGA. He attends Northpoint Community Church with his wife, Jana and their 2 daughters, Ansley and Jordan. + BRIAN ROBINSON Sr. Client Executive Phone: (404) 232-5067 Email: brobinson@snellingswalters.com + Why Brian does what he does: To serve and encourage his family and others. Brian is responsible for directing the insurance carrier placement activities and servicing clients. In this role, he collaborates with clients and insurance carrier underwriting leaders to design risk management/insurance programs and services that align with Snellings Walters Insurance Agency clients and prospective clients. This allows him to use his passion for serving others to insure they have a comprehensive risk management/insurance program that will protect the client, their business, and their employees. Brian is married to Angela and has three children. He lives on a lake so you will find Brian on his boat fishing; he also enjoys cooking and trying new recipes. Brian attended Auburn University of Montgomery while he served in the Air Force as a security police specialist. He earned the Certified Authority on Works Comp (CAWC) designation in 2016 and his Certified Insurance Counselor CIC designation in 2023. 8/9/24 Page 19 of 20

+ TONYA KINSEY Client Manager Phone: (470) 514-4883 Email: tkinsey@snellingswalters.com + Why Tonya does what she does: Tonya uses her strong administrative background to simplify the complicated nature of insurance and strives to be a positive and dependable resource. Tonya is a Commercial Lines Client Manager for Snellings Walters Insurance Agency. She has been in the insurance industry for over 14 years. She enjoys meeting the insurance needs of clients and growing relationships along the way. Outside of SWIA, she enjoys a lifelong passion of photography, learning new things via YouTube “university” and anything related to home improvement and design. + AMANDA-RUTH HOLT Client Assistant Phone: (470) 514-4879 Email: aholt@snellingswalters.com + Why Amanda-Ruth does what she does: To radiate joy and boost confidence in those around her, in a desire to lead multi-generational believers to Christ. Amanda-Ruth Holt is a Commercial Lines Client Assistant for Snellings Walters Insurance Agency. She graduated from the University of Georgia in May of 2022. Amanda-Ruth specializes in understanding the needs of businesses in regards to their property and liability insurance policies. She is currently working on her CISR designation. Outside of Snellings Walters she resides in Athens, GA with her husband enjoying Georgia Football and spending time with her family at the lake. 8/9/24 Page 20 of 20