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Passenger Transport - Shuttle Services

National Indemnity Company

Airport Transportation Charters Churches Courtesy Autos Day Care Employee Transportation Head Start Medical Courtesy Sightseeing Social Service Agency Autos 47 states

Description

Passenger Transport Categories Include: • Charter Buses Examples: Sightseeing and tour buses, entertainer buses, wilderness expedition vehicles, ski buses, casino buses • Children's Transportation Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles • Courtesy Transportation Examples: Courtesy transportation for car ...

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Admitted

Non-Admitted

 

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National Indemnity Company

10 listings in 47 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Commercial Transportation - Bellingham

Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

General Liability Logging Haulers Commercial Auto Construction Container Flatbed Sand And Gravel Commercial Excess Farm & Ranch 22 states

Description

If your client has risks in the transportation of goods, Bellingham Underwriters, can help. Our Transportation program has the capability to write a broad rang of risk from owner operators to large fleets, and from extra heavy truck tractors to light van, box trucks, and pickups. We write motor carriers ...

Details

$1M Maximum Premium

Appointment Required

Carrier Information

Hudson Insurance Company

Admitted

Rating A (Excellent)

 

Rating By A.M. Best

 

Offered By

Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

4 listings in 43 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Auto Repair Shops

Pacific Gateway Insurance Agency

Auto Repair Auto Services Auto Body Garage Motor Truck Cargo Transportation Physical Damage Hired & Non-Owned Auto 4 states

Description

PGIA offers insurance contracts backed with an A++ financial rating by AM Best, the highest possible rating for an insurance company. Our coverages include - Commercial Auto Insurance - Garage Liability - General Liability ...

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Has Pen

Carrier Information

 

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Pacific Gateway Insurance Agency

10 listings in 50 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Medical Transportation

National Indemnity Company

Ambulance Ambulettes Paratransit Non-Emergency Transportation 47 states

Description

Examples: Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles Coverages: Liability, Physical Damage, Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM), Medical Payments Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five ...

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Admitted

Non-Admitted

 

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National Indemnity Company

10 listings in 47 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Preferred Silver Listing
New Nationwide Trucking Market

Innovative Risk Insurance Services LLC

Cargo Insurance Truckers Physical Damage Truck Auto Liability Transportation General Liability Occupational Accident Trailer Interchange + 4 more 48 states

Description

Innovative Risk specializes in the ancillary lines of coverage pertaining to the Trucking Industry Auto PhysDam, Inland Marine (Motor Truck Cargo) Trailer Interchange, Non-Trucking Liability (Bobtail), Truckers General Liability, Occupational Accident). Admitted and Non-Admitted markets available. For more information/agency appointment inquiries email: info@innovativerisks.com Ph# 877-243-9951

Details

$255 Maximum Premium

$255 Minimum Premium

Has Pen

Appointment Required

Carrier Information

Admitted

Non-Admitted

Rating A+

 

Rating By A.M. Best

 

Offered By

Innovative Risk Insurance Services LLC

6 listings in 50 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Non-Emergency Medical Transportation. We Have The Markets.

Cluett Commercial Insurance Agency, Inc.

Non-Emergency Medical Transportation NEMT Paratransit Wheelchair Vans 49 states

Description

Cluett Offers Complete Coverage for Non-Emergency Medical Transportation Available Coverages: • Commercial Auto Liability • Auto Physical Damage • General Liability & Professional Liability • Excess Liability • Workers’ Compensation Program Highlights: • Admitted & Non-Admitted Carriers • Quick Quote Turn-Around w/COMPLETE ...

Carrier Information

Admitted

Non-Admitted

 

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Cluett Commercial Insurance Agency, Inc.

6 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Small Fleet Trucking Program (1-20 units)-Package Policy

TIP National, LLC

Cargo Auto Haulers Motor Truck Cargo Occupational Accident Commercial Auto Fleet Nontrucking Liability New Ventures Refrigerated Loads Intermodal Hauler + 1 more 47 states

Description

TIP National, LLC offers Commercial Automobile Liability and Physical Damage, NonTrucking Liability, Occupational Accident, Commercial General Liability, Motor Truck Cargo, Excess Liability. Package Policy designed for fleets 1-20 units; quick quote turn-around. AM Best rated "A" carrier.  On-line quoting platform with same day ...

Details

$1M Maximum Premium

Has Pen

Appointment Required

Carrier Information

Non-Admitted

Rating A

 

Rating By A.M. BEST

 

Offered By

TIP National, LLC

5 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Preferred Platinum Listing
California Contractor Workers' Compensation Solution

RPS Signature Programs

Contractor Professional Contractors Workers Comp Contractors Remodeling Landscaper Landscape Contractor Janitorial Haulers Artisan Contractors + 1 more 10 states

Description

A Workers’ Compensation Solution for Contractors across multiple states. RPS Signature Programs’ specializes in California Workers’ Compensation. With access to many A.M. Best ‘A’ rated markets, no premium thresholds, and a broad underwriting appetite, RPS is your solution for Workers’ Compensation. Contractors and their employees perform physical ...

Details

Has Pen

Appointment Required

Carrier Information

Call for more information

Admitted

Rating A

 

Offered By

RPS Signature Programs

23 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Transportation

Risk Alternatives & Management

Cargo Long Haul Transportation Dump Trucks 50 states + DC

Description

Primary AL ($1mil), Physical Damage, GL, Trailer Interchange, Workers Compensation, Cargo, Occupational Accident (10+ drivers), Contingent Liability (employer protection from owner/operators claiming employee status), Trucker's Passenger Accident. New carriers- Dump trucks now a "GO" Also farm vehicles, pick ups, vans and other local delivery vehicles as well as construction related ...

Details

Appointment Required

Carrier Information

www.ram-insurance.com/markets.asp

Admitted

Non-Admitted

 

Offered By

Risk Alternatives & Management

6 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Petroleum & Waste Transport

CEI Environmental Insurance

Petroleum Haulers Fuel Haulers Waste Haulers Hazardous Waste Pollution Environmental Pollution Transporters Transportation Pollutions 50 states + DC

Description

Transportation Pollution Liability (TPL) Pollution Liability for Fuel Haulers, Waste Transporters, and others. Transportation pollution liability provides protection for products or materials transported, protection for products or materials transported, shipped, or delivered by the insured or by a carrier on the insured's behalf. Target Clients: • Distributors ...

Carrier Information

 

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CEI Environmental Insurance

5 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Ambulance Insurance Program - Bellingham

Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

Ambulettes Ambulance Package Admitted Emergency Transport Multi-line Non Admitted 42 states

Description

This program's target is directed towards for-profit emergency and non-emergency medical ambulance companies * operating Type I, Type II, or Type III with some flexibility towards Ambulettes or passenger/wheelchair vans used for paratransit if less than 20% of total operations. Our unique product creates a more stable, long term market ...

Details

$5M Maximum Premium

$1M Minimum Premium

Has Pen

Appointment Required

Carrier Information

Admitted

Non-Admitted

Rating A XV

 

Rating By A.M. Best Company

 

Offered By

Bellingham Underwriters, a division of Arrowhead General Insurance Agency, Inc.

4 listings in 43 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Trucking: General Liability

Across America Insurance Services

Trucking Transportation General Liability General Liability Transportation Specialized Transportation Trucking Liability 19 states

Description

At Across America Insurance, we can help you provide your commercial trucking business clients with the general liability coverage they need, as part of a comprehensive risk management program and as required by law. We have a ...

Carrier Information

 

Offered By

Across America Insurance Services

5 listings in 20 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Motor Truck Cargo

MacAfee & Edwards, Inc.

Cargo Transit Transportation Mexico Mexican International 50 states

Description

Mexican Insurance Specialist (Commercial & Personal). We assist in the placement of all types of insurance exposures in Mexico, like: Manufacturing or warehousing operations, Construction risks, Transit/Cargo exposures, Crime, K&R, Auto, Aviation, etc.

Details

Has Pen

Carrier Information

 

Offered By

MacAfee & Edwards, Inc.

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Fuel & Oil Haulers

Midwestern Insurance Alliance, LLC

Workers Compensation Oil Trucking Workers Comp Oil Dealer Gasoline Dealer Fuel Hauler High Mod Work Comp 36 states

Description

Writing workers' compensation for Gasoline / Oil Dealers. **All accounts on a guaranteed cost basis. ** All radius of operations considered (not limited to local hauling). ** Our primary goal is to write best in class accounts (no touch freight, intermodal) but we will look at all accounts ...

Details

Has Pen

Appointment Required

Carrier Information

Admitted

 

Offered By

Midwestern Insurance Alliance, LLC

10 listings in 43 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Non-Emergency Medical Transport Program (NEMT)

Cardigan General Insurance Services

NEMT Non-Emergency Medical Transportation Paratransit 16 states

Description

Cardigan General Insurance Services (CGIS) has unparalleled access to national markets, underwriting and program design expertise. In partnership with a select distribution channel of agents, our underwriters provide innovative solutions to the most complex insurance needs. PROGRAM HIGHLIGHTS • “A-VIII” A.M. Best Rated Carrier • Non-Admitted paper in ...

Carrier Information

Admitted

Non-Admitted

Rating A-VIII

 

Rating By A.M. Rated Carrier

 

Offered By

Cardigan General Insurance Services

2 listings in 16 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Environmental / Pollution

Commercial Sector Insurance Brokers, LLC

Contractors Pollution Liability Pollution Environmental Consultants Pollution Liability Environmental Contractors Site Pollution Auto Pollution + 2 more 42 states

Description

Environmental / Pollution For: - Site - Contractors Pollution Liability - Trucking Pollution Liability - GL, Pollution, & Professional - Combinations

Carrier Information

 

Offered By

Commercial Sector Insurance Brokers, LLC

10 listings in 49 states

Engaged
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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Multi-Line Heavy Haul (OS-OW) Transportation Insurance

NationsBuilders Insurance Services, Inc. (NBIS)

Heavy Haul Equipment Haulers Machinery Movers Specialized Transportation 50 states + DC

Description

Heavy Construction haulers transporting oversize/overweight loads on a regional radius, no storage, no hazardous materials. NBIS is the Insurance market that will reduce your insurance cost and stand by your side to give you the best fighting chance in the event of a claim! As an additional benefit, ...

Details

Has Pen

Appointment Required

Carrier Information

 

Offered By

NationsBuilders Insurance Services, Inc. (NBIS)

10 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Long Haul Trucking

Guardian Insurance Wholesalers, Inc.

Trucking Transportation Cargo Motor Truck Cargo Physical Damage Auto Physical Damage Commercial Auto Physical Damage General Liability Non-Trucking Liability 47 states

Description

Motor Truck Cargo/Physical Damage/Non Trucking Liability/General Liability.  New ventures with experienced drivers are welcome! Seeking risks with 1-25 trucks, drivers must be 25 or older and have 2 years verifiable experience with a Class A CDL. Coverage can be written as a package or monoline.  Competitive rates, quick ...

Details

Appointment Required

Carrier Information

Admitted

Non-Admitted

 

Offered By

Guardian Insurance Wholesalers, Inc.

7 listings in 49 states

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Employment Practices Liability Insurance

Target Professional Programs

EPLI Employment Practices Liability Insurance Transportation Staffing Healthcare EPLI Distributors Lawyers EPLI Manufacturers 50 states + DC

Description

Standalone EPLI (Employment Practices Liability Insurance) policies are relatively rare but you'll find an outstanding policy when you turn to Target Professional Programs. Coverage includes a host of attractive benefits, and comprehensive risk management services. In addition, Target Underwriters offer fast, efficient service. Firms with up to ...

Details

$5M Maximum Premium

$250K Minimum Premium

Has Pen

Carrier Information

Rated A by A.M. Best

 

Offered By

Target Professional Programs

8 listings in 50 states + DC

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Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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Hard to Place Workers Compensation, Construction, Towing, Transportation, Staffing

Freedom Risk Insurance Services

Contractors Workers Comp Short Haul Home Healthcare Garbage Haulers California Workers Comp Startup Janitorial Hotel Workers Comp Manufacturing + 1 more 27 states

Description

A++ WC coverage *High Mods Accepted *New Ventures/Gaps in Coverage Considered Eligible Classes • General/Artisan Contractors • Construction Operations • Towing • Janitorial & Cleaning Services • Home Health • Hotels/Motels Retail • Light Manufacturing • Restaurants • Retails Shops ...

Details

$10B Maximum Premium

$5K Minimum Premium

Appointment Required

Carrier Information

National Liability & Fire & Sirius America Insurance

Admitted

Rating A

 

Rating By AM Best

 

Offered By

Freedom Risk Insurance Services

11 listings in 50 states + DC

View Company Profile

Availability

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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