(i) Policy-holders or prospects for Insurance, whose business developers large premiums are considered targets for competing Insurance Agents and brokers. (ii) Large, hazardous exposure on which Insurance is difficult to place. (iii) Large exposure that is considered desirable from an Underwriting stand point by competing insured. (iv) Certain high value bridges, tunnels and fine art collections that are excluded from automatic Reinsurance to release the Reinsurer from potentially heavy accumulations of liability on any one exposure.