Chicago, Dallas and Los Angeles. Facultative brokers are "risk specialists", placing the most difficult account exposures such as windstorm, flood and earthquake in the property sector and workers' compensation, general liability and auto liability in the casualty sector. THB Intermediaries is fundamentally different from other brokerages. Unlike our facultative competitors who serve as mere service centers for a larger treaty operation, THB Intermediaries was conceived and operates as a true stand-alone facultative specialist. Also unlike many of our competitors who function primarily as conduits on business generated by their retail parent, THB produces its own business directly from a diverse, national client base of insurance carriers, retail and wholesale brokers and managing general agents and administers all accounting and claims through our proprietary facultative software known as "Profac". Profac provides a seamless integration of placement, accounting and claims documentation that ensures a measure of speed and accuracy that is without peer in facultative brokerage.