FR EA
1025-00005 · Quorum Insurance Holdings · Correspondence/Opposing Counsel
counterparty-correspondence-log.xlsx DOCUMENT Litigation
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[sheet: Correspondence Log]

Entry No.DateTimeDirectionMethodAuthor / SenderRecipient(s)CC / Additional RecipientsSubject / DescriptionRelated Treaty / ReferenceC&H Document IDPrivileged / Work ProductAttachment(s)Status / Follow-Up RequiredNotes
112/12/2025N/AInboundLetterConrad Hesse, SVP, Treaty Disputes & Recoveries, Pinnacle Atlantic Reinsurance Ltd.Diana Kessler-Hoff, VP, Claims & Reinsurance Recoveries, Quorum Casualty & Surety CompanyTobias Engström, SVP, Reinsurance & Capital Markets, QIHReservation of Rights — Treaty No. PA-QCS-2019-EXL-0044, TY 2022–2023 CessionsTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0001NoNoneNo further action (pre-engagement; preserved under litigation hold)Received by QC&S prior to C&H engagement. Letter reserves Pinnacle Atlantic's rights regarding TY 2022 and TY 2023 ceded losses totaling $78,400,000. Transmitted directly (not through Broadreach Intermediaries Inc.).
202/14/2026N/AInboundLetterNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLP (51 West 52nd Street, 40th Floor, New York, NY 10019)Rachel Sondergaard, General Counsel, Quorum Insurance Holdings Corp.Diana Kessler-Hoff, QC&S; Tobias Engström, QIHPre-Suit Demand — Pinnacle Atlantic Reinsurance Ltd. v. Quorum Casualty & Surety Company: Demand for Return of $78,400,000 in Reinsurance Recoverables Plus $12,600,000 Interest ($91,000,000 Total)Treaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0002NoDemand letter with supporting exhibits (premium calculations, loss allocation schedules)No further action (pre-engagement; triggered QIH Audit Committee authorization on 02/24/2026)Demand letter asserts four grounds: (1) late notice under Article 7 re Meridian Docks mass tort cluster (14-month, 7-day delay from March 15, 2021 reserving to May 22, 2022 notice via Broadreach); (2) misallocation of $22.3M IBNR to TY 2022 under Article 5 (should be TY 2021); (3) failure to follow the fortunes under Article 11 re Veridian Financial Services E&O cluster settlement ($34.5M); (4) ceded earned premium underreporting of $6.8M under Article 3 (QC&S reported $38.4M vs. Pinnacle Atlantic's $45.2M, alleged premium underpayment of $2,856,000 at 42% rate). HFC asserts Treaty Article 22 arbitration clause inapplicable.
303/04/2026N/AOutboundLetterDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLP (One Liberty Plaza, 55th Floor, New York, NY 10006)Nathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPPriya Subramanian, Senior Associate, HFCNotice of Representation — Calderwood & Harkness LLP Retained as Counsel for Quorum Insurance Holdings Corp. and Quorum Casualty & Surety Company; Matter No. 1025-00005Treaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0003NoNoneCompletedFormal notice advising HFC that C&H has been retained to represent QIH and QC&S in connection with all matters arising from Pinnacle Atlantic's demand. Requests all future correspondence be directed to C&H.
403/06/20263:15 PMOutboundEmailYuki Nakamura, Associate, Calderwood & Harkness LLPPriya Subramanian, Senior Associate, Hargrove, Fitch & Calloway LLPJeffrey Park, Senior Associate, C&HAdministrative / Scheduling — Acknowledgment of C&H Representation and Point-of-Contact InformationTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0004NoNoneCompletedCoordinating communication protocols between counsel. Confirmed Yuki Nakamura and Jeffrey Park as day-to-day contacts at C&H; Priya Subramanian confirmed as day-to-day contact at HFC.
503/07/202610:30 AMInboundEmailPriya Subramanian, Senior Associate, Hargrove, Fitch & Calloway LLPYuki Nakamura, Associate, Calderwood & Harkness LLPJeffrey Park, C&H; Nathaniel R. Calloway III, HFCAcknowledgment of C&H Representation; Request for Substantive Response Timeline to February 14 DemandTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0005NoNoneResponded (see Entry 6)HFC requests indication of when QC&S intends to respond substantively to the pre-suit demand letter.
603/10/20262:45 PMOutboundEmailJeffrey Park, Senior Associate, Calderwood & Harkness LLPPriya Subramanian, Senior Associate, Hargrove, Fitch & Calloway LLPDouglas Carmichael, C&H; Nathaniel R. Calloway III, HFC; Yuki Nakamura, C&HRe: Response Timeline — QC&S Substantive Response to Pre-Suit Demand; Anticipated on or before March 18, 2026Treaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0006NoNoneCompletedConfirmed C&H would provide substantive response by approximately March 18, 2026. Reserved all rights and defenses.
703/18/2026N/AOutboundLetterDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLPNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPPriya Subramanian, HFC; Rachel Sondergaard, QIH (copy)Response to February 14, 2026 Pre-Suit Demand — Rejection of All Claims; Reservation of Rights and Defenses; Invocation of Treaty Article 22 Arbitration ClauseTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0007YesNone (self-contained letter)Awaiting HFC responseSubstantive response rejecting all four grounds: (1) notice was timely under Article 7 individual claim threshold; (2) IBNR allocation to TY 2022 proper per Article 5.2 and Velthorn methodology; (3) Veridian settlement protected by follow-the-fortunes under Article 11; (4) premium difference attributable to Article 3.4 run-off portfolio transfer exclusion. Asserts Article 22 arbitration clause is applicable and enforceable. Demands Pinnacle Atlantic preserve all documents.
803/18/2026N/AOutboundLetterDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLPNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPPriya Subramanian, HFC; Conrad Hesse, Pinnacle Atlantic; Rachel Sondergaard, QIH (copy)Formal Demand to Arbitrate — Treaty Article 22, ARIAS-U.S. Rules; Treaty No. PA-QCS-2019-EXL-0044Treaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0008YesNoneAwaiting HFC response re: arbitrator appointmentFormal invocation of arbitration under Treaty Article 22. Demands Pinnacle Atlantic appoint party-appointed arbitrator per ARIAS-U.S. Rules timeline. Notes QC&S will name its arbitrator upon confirmation of process. Warns that any court filing will be met with motion to compel arbitration.
903/21/202611:00 AMInboundEmailPriya Subramanian, Senior Associate, Hargrove, Fitch & Calloway LLPJeffrey Park, Senior Associate, Calderwood & Harkness LLPNathaniel R. Calloway III, HFC; Yuki Nakamura, C&H; Douglas Carmichael, C&HAcknowledgment of Receipt of March 18 Response Letter and Demand to Arbitrate; HFC Reviewing with ClientTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0009NoNoneAwaiting substantive HFC responseHFC confirms receipt of both March 18 letters. States Pinnacle Atlantic is reviewing with its counsel and will respond in due course. No position taken on arbitration demand.
1003/25/2026N/AOutboundLetterDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLPNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPPriya Subramanian, HFC; Rachel Sondergaard, QIH (copy)Proposal for Voluntary Mediation — Without Prejudice to Demand to Arbitrate and All Reserved RightsTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0010YesNoneAwaiting HFC responseProposes one-day voluntary mediation in New York with neutral mediator experienced in reinsurance disputes. Suggests exchange of limited pre-mediation submissions. Expressly without prejudice to QC&S's demand to arbitrate under Article 22 and all reserved rights and defenses.
1103/28/20264:30 PMInboundPhoneNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLPN/ADiscussion re: Pinnacle Atlantic's Position on Arbitration and Mediation ProposalTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0011Yes (attorney work product — call notes)N/AFollow-up: HFC to send written response by April 4, 2026Calloway indicated Pinnacle Atlantic maintains Article 22 arbitration clause does not cover the specific claims at issue (characterizing them as extra-contractual fraud/misrepresentation claims). Expressed potential willingness to discuss mediation but no commitment. Carmichael reiterated QC&S's position that all claims arise under the Treaty and are arbitrable. Call lasted approximately 20 minutes. Detailed call memo prepared by Carmichael.
1204/02/20269:15 AMInboundLetterNathaniel R. Calloway III, Partner, Hargrove, Fitch & Calloway LLPDouglas Carmichael, Responsible Partner, Calderwood & Harkness LLPPriya Subramanian, HFC; Jeffrey Park, C&H; Rachel Sondergaard, QIHResponse to March 18 Letters — Pinnacle Atlantic Rejects QC&S Defenses; Maintains Inapplicability of Article 22 Arbitration; Reiterates Demand for $91,000,000; Reserves Right to File SuitTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0012NoAttached: Pinnacle Atlantic's detailed rebuttal memorandum with actuarial analysis and premium reconciliation schedulesUnder review; response in preparationHFC rejects all QC&S defenses. Reiterates all four grounds. Attaches Pinnacle Atlantic's internal actuarial analysis disputing Velthorn's IBNR allocation methodology. Maintains Article 22 does not apply because claims sound in extra-contractual misrepresentation. Declines mediation at this time. Reiterates full demand of $91,000,000 ($78.4M recoverables + $12.6M interest at 8% p.a.). Reserves right to file in Supreme Court of the State of New York, New York County, Commercial Division.
1304/04/20262:00 PMOutboundEmailJeffrey Park, Senior Associate, Calderwood & Harkness LLPPriya Subramanian, Senior Associate, Hargrove, Fitch & Calloway LLPYuki Nakamura, C&H; Nathaniel R. Calloway III, HFC; Douglas Carmichael, C&HAcknowledgment of Receipt of April 2 Letter; QC&S Reviewing and Will RespondTreaty No. PA-QCS-2019-EXL-0044SC-04418-CL-0013NoNoneCompletedAcknowledged receipt of HFC's April 2 response and attached Pinnacle Atlantic actuarial analysis. Confirmed C&H is reviewing with client and consulting actuaries (Velthorn Actuarial Advisors LLC, Dr. Stephen Tanaka). Will respond in due course.

[sheet: Summary Statistics]

MetricCount / Value
Total Communications Logged13
Inbound Communications5
Outbound Communications8
Letters (Total)7
Emails (Total)5
Phone Calls (Total)1
Videoconferences (Total)0
Privileged / Work Product Communications4
Communications Awaiting Response3
Earliest Entry Date12/12/2025
Most Recent Entry Date04/04/2026
Matter Number1025-00005
Log Maintained ByYuki Nakamura, Associate, Calderwood & Harkness LLP
ClientQuorum Insurance Holdings Corp. / Quorum Casualty & Surety Company
CounterpartyPinnacle Atlantic Reinsurance Ltd.
Opposing CounselHargrove, Fitch & Calloway LLP
Treaty ReferencePA-QCS-2019-EXL-0044
Total Demand at Issue$91,000,000 ($78.4M recoverables + $12.6M interest)

[sheet: Key Contacts]

NameTitle / RoleOrganizationAddressEmail PlaceholderPhone PlaceholderSide
Douglas CarmichaelResponsible Partner, Litigation (General)Calderwood & Harkness LLPOne Liberty Plaza, 55th Floor, New York, NY 10006[email on file][phone on file]Client Counsel
Francesca MoranoBilling Partner, Litigation (General)Calderwood & Harkness LLPOne Liberty Plaza, 55th Floor, New York, NY 10006[email on file][phone on file]Client Counsel
Jeffrey ParkLead Associate, Litigation (General)Calderwood & Harkness LLPOne Liberty Plaza, 55th Floor, New York, NY 10006[email on file][phone on file]Client Counsel
Yuki NakamuraWorking Associate, Litigation (General)Calderwood & Harkness LLPOne Liberty Plaza, 55th Floor, New York, NY 10006[email on file][phone on file]Client Counsel
Nathaniel R. Calloway IIILead Partner, Insurance LitigationHargrove, Fitch & Calloway LLP51 West 52nd Street, 40th Floor, New York, NY 10019[email on file][phone on file]Opposing Counsel
Priya SubramanianSenior AssociateHargrove, Fitch & Calloway LLP51 West 52nd Street, 40th Floor, New York, NY 10019[email on file][phone on file]Opposing Counsel
Rachel SondergaardGeneral CounselQuorum Insurance Holdings Corp.200 Constitution Plaza, Suite 3400, Hartford, CT 06103[email on file][phone on file]Client
Tobias EngströmSVP, Reinsurance & Capital MarketsQuorum Insurance Holdings Corp.200 Constitution Plaza, Suite 3400, Hartford, CT 06103[email on file][phone on file]Client
Diana Kessler-HoffVP, Claims & Reinsurance RecoveriesQuorum Casualty & Surety Company200 Constitution Plaza, Suite 3200, Hartford, CT 06103[email on file][phone on file]Client
Conrad HesseSVP, Treaty Disputes & RecoveriesPinnacle Atlantic Reinsurance Ltd.1285 Avenue of the Americas, 28th Floor, New York, NY 10019[email on file][phone on file]Opposing Party
Lorraine MetcalfChief Claims OfficerPinnacle Atlantic Reinsurance Ltd.1285 Avenue of the Americas, 28th Floor, New York, NY 10019[email on file][phone on file]Opposing Party
Sir Edmund HaverfordCEOPinnacle Atlantic Reinsurance Ltd.Clarendon House, 14 Church Street, Hamilton HM 11, Bermuda[email on file][phone on file]Opposing Party