One of our retail broker partners came to us with $125,000,000 commercial office project.  The design-build contract required $10,000,000 in professional liability limits – higher than typical for this size and type of project.  While the traditional markets were providing indications of $350,000 to $450,000 premium, New Day was able to secure a program for $150,000 premium with a $10,000,000 limit and $100,000 self insured retention.  The program was structured with both professional and pollution liability and did not contain the protective or mitigation type coverages.  The insured’s primary initiative was to comply with the insurance specification in the most cost-effective manner possible.