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United Capitol Insurance Co.

400 Perimeter Center Terrace, Suite 345, Atlanta, Ga. 30346; 800-355-9429;

fax: 770-399-6547

1997 1996

Gross premiums $70,952,567 $45,103,264

Non-admitted $69,736,465 $44,048,952

Commercial risks 100% 100%

Net premiums $40,792,823 $25,930,813

Paid-in capital $4,100,000 $4,100,000


surplus $60,122,181 $53,355,929

Employees 64 43

Combined ratio 1 62.1% 65.8%

Combined ratio 2 62.7% 65.9%

Net income $12,219,948 $4,856,903

Best's rating A- AS&P's rating A+ BBq

Founded: 1986.

Parent: Frontier Insurance Group Inc.

Specialties: Environmental coverages for contractors and consultants, pollution liability for specific sites, product liability for difficult classes, property, surety for environmental risk.

Subsidiaries: Olympic Underwriting Managers, Columbia, Md.; United Capitol Environmental, Columbus, Ohio and Columbia, Md.

Approved non-admitted in: All states, excluding Arizona, Illinois and Wisconsin.

Admitted in: Arizona, Illinois, Wisconsin.

Officers: James W. Satterfield, president; Steven S. Zeitman, executive vp; Thomas Schruben, senior vp; John Malejko, Glen Plagmann, vps.

Contact: Carl Abramson.

United National Insurance Co.

3 Bala Plaza E., Suite 300, Bala Cynwyd, Pa. 19004; 610-664-1500; fax: 610-660-8882

1997 1996

Gross premiums $264,568,836 $270,148,508

Non-admitted $191,534,066 $195,765,451

Commercial risks 99% 97%

Net premiums $76,582,113 $77,807,064

Paid-in capital $5,000,000 $5,000,000


surplus $233,411,241 $196,175,542

Employees 142 148

Combined ratio 1 85.9% 98.4%

Combined ratio 2 85.9% 98.8%*

Net income $32,274,190 $19,826,361

Best's rating A+ A+

Founded: 1960.

Specialties: General liability, special multiperil, fire, jeweler's block, umbrella, professional liability, personal lines, liquor law liability, specific excess liability.

Subsidiaries: Diamond State Insurance Co. and Hallmark Insurance Co. Inc., Bala Cynwyd, Pa.

Approved non-admitted in: All states, excluding Pennsylvania.

Admitted in: Pennsylvania.

Officers: Raymond L. Freudberg, chairman; Seth D. Freudberg, president/CEO; Kevin L. Tate, Robert Cohen, Richard March, senior vps.

Contact: Timothy J. Dwyer, vp/controller.

* Restated.