Today's savvy insurance buyers demand a comprehensive and user-friendly product as well as broad, cost-effective protection. They want quality carriers at a low cost and more service and attention than ever. Carriers are in a competitive, consumer-driven environment. New providers and alternative means of distribution entice buyers, and insurers must adapt or miss the market entirely. Agents and brokers must redefine their roles in order to keep their clients and service them professionally and profitably.

Program Brokerage Corporation (PBC) is a wholesale subsidiary of Hub International Inc. A powerful market resource for brokers and agents, we are also a partner for carriers reaching out to the commercial insurance buyer in innovative, cost-effective ways. We've pioneered in Purchasing Group Insurance buying, an approach that has now won popular acclaim.

With experience, resourcefulness, financial backing, strong administration and MIS, we have enough conviction to participate with our own money on both the claims and expense side. We have a strong focus on underwriting and claims handling and legal expertise. This translates to a win for the producer, a win for the carriers, and a win for the insured. Let us tell you why and how.

Program Brokerage Corporation is an unmatched facility for serious producers who want a top-quality professional resource for their middle-market insureds. PBC is a proven source for agents and brokers seeking financially secure markets for their clients' needs, and the volume of business we bring offers competitive pricing.

Here are just a few reasons why more producers are coming to us every day:

• Professional marketing and administrative staff support our producers with fast turn-around for written quotations.
• All participating carriers are Best's rated "Excellent."
• State-of-the-art MIS capabilities can link you directly with our service teams.
• PBC's expansion and growth in our participating broker/agent network strengthen our programs, providing longevity and more options in the marketplace.

Providing "turnkey" programs for building middle-market niche groups already in your control, PBC requires only modest start-up premium volume - we'll grow the program for you.