1. Review and analyze operations and exposures; 2. Advise on coverage options, deductibles, networks, etc. for greatest impact on savings; 3. Prepare applications and other insurance policy specifications, and review with PBC prior to submitting information to underwriters; 4. Design, market and implement coverage including but not limited to the following at the most reasonable cost and broadest affordable terms: a. Category One i. Liability (primary, excess, and umbrella); ii. Property; iii. Workers’ Compensation; and iv. Other coverage and consulting services (as needed) recommended by Respondent or developed in collaboration with Risk Management. b. Category Two i. Crime; ii. Bonds; iii. Directors’ & Officers’ Liability; and iv. Other coverage and consulting services (as needed) recommended by Respondent or developed in collaboration with Risk Management. c. Category Three i. Medical; ii. Dental; iii. Vision; iv. Life; v. Ancillary Employee Benefits (Legal, Accident, Flexible Spending, etc.); and vi. Other coverage and consulting services (as needed) recommended by Respondent or developed in collaboration with Risk Management.