# Contract with Atlantic Risk Solutions for Bizllm

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## Terms

1. **Agreement Effective Date**: This contract is effective as of January 15, 2025.
2. **Duration**: This agreement will remain in effect for a term of 12 months, concluding on January 14, 2026.
3. **Subscription Type**: Atlantic Risk Solutions agrees to subscribe to the **Professional Tier** of Bizllm, at a cost of $12,000/month, totaling $144,000 for the duration of this contract.
4. **Payment Terms**: Payments are due on the 10th of each month via ACH transfer. Late payments will incur a penalty of 1.5% per month and may result in service suspension after 15 days delinquency.
5. **User Licenses**: Contract includes 35 named user licenses. Additional users may be added at $180/month per license.
6. **Termination Clause**: Either party may terminate this agreement with 45 days' written notice. Early termination requires payment of 50% of remaining contract value.

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## Renewal

1. **Automatic Renewal**: This agreement will automatically renew for an additional 12-month term unless either party provides written notice of non-renewal at least 45 days before the expiration date.
2. **Price Protection**: Pricing increases capped at 8% annually for the first two renewal periods, providing Atlantic Risk Solutions with budget predictability.
3. **Volume Discounts**: If Atlantic Risk Solutions expands to Enterprise tier during renewal, they receive a 15% discount on the difference for the first renewal year.

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## Features

1. **Access to Professional Tier Features**: Atlantic Risk Solutions will have access to all Professional Tier features, including:
   - Multi-Line Underwriting Engine supporting general liability, professional liability, property, workers' compensation, and cyber insurance
   - Business Intelligence Integration with automated data gathering from 50+ data sources
   - Cyber Risk Assessment module with security posture evaluation
   - Workers' Compensation Optimization with payroll integration and class code analysis
   - Commercial Property Evaluation with catastrophe modeling
   - Professional Liability Specialization for E&O coverage
   - Portfolio Management Dashboard with loss ratio tracking and geographic analysis
   - Agent and Broker Portal supporting up to 500 distribution partners
   - Claims Management Integration with reserve recommendation engine

2. **Industry-Specific Templates**: Pre-configured underwriting templates for:
   - Technology companies and software-as-a-service (SaaS) businesses
   - Professional services firms (consulting, accounting, legal)
   - Healthcare providers and medical practices
   - Contractors and construction trades
   - Restaurants and hospitality businesses

3. **Advanced Reporting**: Monthly automated reports including:
   - New business pipeline and conversion rates
   - Renewal retention analysis
   - Loss ratio trending by line of business
   - Agent performance scorecards
   - Competitive market positioning insights

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## Support

1. **Technical Support**: Atlantic Risk Solutions will receive priority technical support from Insurellm for any issues arising from the Bizllm product:
   - Dedicated support phone line and email
   - Response time: 4 hours for critical issues, 12 hours for standard requests
   - Access to technical support Monday-Friday 7 AM - 8 PM EST

2. **Training**: Insurellm will provide comprehensive training program:
   - Initial onboarding for up to 15 staff members (20 hours total training)
   - Bi-monthly webinars on platform updates and best practices
   - Access to on-demand video library and knowledge base
   - Annual refresher training session

3. **Updates and Maintenance**:
   - Quarterly platform updates with new features and security enhancements
   - Monthly minor updates and bug fixes
   - Maintenance windows: Sunday 1 AM - 5 AM EST
   - 48-hour advance notice for all scheduled maintenance

4. **Account Management**:
   - Assigned account manager with quarterly business review meetings
   - Annual strategic planning session to align platform usage with business goals
   - Priority access to new beta features

5. **Integration Support**: Technical assistance for integrating Bizllm with:
   - Atlantic's existing agency management system (Applied Epic)
   - Commercial lines rating platforms
   - Third-party data providers (Dun & Bradstreet, Experian, Verisk)
   - Email marketing platforms for agent communications

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**Signatures:**

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**Michael Torres**
**Title**: Chief Revenue Officer
**Insurellm, Inc.**
**Date**: January 15, 2025

_________________________________
**Diana Marquez**
**Title**: Senior Vice President, Commercial Lines
**Atlantic Risk Solutions**
**Date**: January 15, 2025

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*This contract establishes a professional partnership between Insurellm and Atlantic Risk Solutions, enabling Atlantic to leverage cutting-edge AI technology for commercial insurance underwriting and administration.*