"PAR has enabled us to maintain and increase our standard of excellence in our principal office and our other four offices. It has provided a benchmark for each of our offices and each of our divisions to meet or exceed at all times. Over the years, as we continue to enhance the exposure checklists, the client service plans and stewardship reports, the file documentation, file organization, and retention plans, we know that we are providing a consistent level of exceptional service to all of our clients. This process gives us and our clients the confidence to expand our operations and scope--both geographically and through specialty practices. It also provides a template for new members of our staff to learn and to follow as they deliver products and service the PAR and RCM&D way. Everyone in our office knows what is expected when delivering service. And changes in servicing assignments, as well as the addition of new staffing are more seamless than before. Finally, we don't have to spend very much time defending our past actions, because we have done it right the first time!"

Albert R. "Skip" Counselman: CPCU, Chairman of the Board, CEO
Riggs, Counselman, Michaels and Downes, Baltimore, MD

"The PAR Quality Management Program has helped us to grow our business. It has helped us to be more efficient and effective in setting up systems to benefit our clients."

Robert L. Cohen: Chairman/CEO; Director
The IMA Financial Group, Inc.; Wichita, KS

"Frank Crystal & Company's participation in PAR, Ltd. has been an important factor in the firm's sustained growth and success. The discipline established through our Quality Management program has instilled best practices and a focus on service throughout our national organization, distinguishing Frank Crystal from its competitors. The internal and external audit process has provided us with a valuable benchmark and has encouraged us to continually raise the bar for performance. PAR's recognition of our efforts is an important validation - to our employees, clients, and prospective clients of our commitment to quality and professionalism.

Jonathan H.F. Crystal: Executive Vice President, Chief Financial Officer
Frank Crystal & Company, New York, NY

"Our focus at Thomas McGee is to develop and maintain an operation that meets or exceeds the Best Practices of our industry. We look at our relationship with PAR, Ltd. as a partnership that helps us achieve this objective. Insurance alone for our professional liability exposure is not sufficient and we intend to work closely with PAR for our mutual wellbeing."

Gene Klein: Principal
Thomas McGee, L.C., Kansas City, MO.

"Our participation in the PAR program has had a significant impact on the success of our organization. Beyond providing a sense of stability surrounding our E&O program through broad coverage and consistent pricing, PAR has helped us raise the bar when it comes to our efforts related to Quality Control and professionalism. Everyone in our entire organization is aware of how important this is and we rely on PAR to keep us sharp and focused on doing the best possible job for our clients."

Paul Hering: CEO
Barney & Barney, LLC, San Diego, CA

"PAR has provided an approach to insurance agency/brokerage loss control which is thorough and consistent. Any professional sales organization needs to know that its risk is being managed in order to give the sales staff confidence that they are on a firm footing. Sales confidence increase sales success. Clients love the "quality management"/loss control that they get from a PAR insured. And if they have had the experience of having to deal with an insurer dispute, they see the benefit of the support provided by PAR's claim management."

Stan Loar: CEO Emeritus
Woodruff-Sawyer & Co., San Francisco, CA