VALUE ADDED SERVICES. Our Valued Client

The Charles L. Crane Agency

VALUE ADDED SERVICES

Prepared Especially for

Our Valued Client

PREPARED BY

Your Crane Broker

100 North Broadway, Suite 900 St. Louis, Missouri 63102 Telephone: (555) 555-1212

Table of Contents

I. Crane Agency Service Team

II. Crane Agency Corporate Profile

III. Commercial Lines Services

IV. Risk Management Services

V. Claims Advisory Services

VI. Surety and Fidelity

VII. Employee Benefits Overview

VIII. Written Service Timeline Sample

I.

The Charles L. Crane Agency Service Team:

Producer

Account Manager/Executive

Loss Control Consultant

Claims Specialist

Benefits Consultant

Charles L. Crane Agency Service Team Roles:

Account Manager/Executive Primary point of contact for any changes to the policy, billing inquiries and requests for certificates of insurance. Directs claim inquiries to our Claims Department

Loss Control Consultants Assist clients in developing and implementing programs to avoid or reduce exposures to loss.

Claims Consultant Assist accounts in resolving complicated claims. Analyze and assist with coverage disputes, prepare claims, review, assist with return to work for injured worker, and provide customer training for claims reporting and control

Benefits Consultant Provide assistance in assessing both Corporate and Individual benefit needs. Expert knowledge in Medical/Health and Employee Benefit plans, as well as Voluntary and Worksite solutions.

Surety & Fidelity As your business partner, we will aggressively manage your surety bond program in an effort to succeed where our competitors fail. Through our knowledge of the industry and our access to a wide variety of surety bond markets we will work to constantly maximize your surety bond program.

II. Charles L. Crane Agency Company Profile

Founded in 1885, the Crane Agency is one of the oldest and largest independent insurance agencies west of the Mississippi. Crane has operated and expanded continuously with the growth of four offices.

The Crane Agency offers an array of coverage for personal and commercial needs including:

Commercial Property and Casualty Employee Benefits Services

Surety and Fidelity Programs Personal Insurance

Loss Control/Safety Management and Consulting Services.

Crane’s support staff includes over 235 employees. Crane promotes excellence with 85percent of their staff achieving certifications, such as, Certified Insurance Counselors (CIC); Certified Insurance Service

Representatives (CISR); Certified Risk Managers (CRM) and utilizing the latest technology to assist in the needs of their clients.

For all our clients – from large companies to individuals – Crane finds solutions to every need and still offers personalized service. Our clients can be assured of our continued stability, not because of our history, but because of our plan for perpetuation into the future.

III. COMMERCIAL LINES SERVICES

Risk Management solutions identify exposures to loss

Examine and recommend alternative techniques to control loss Implement and monitor recommended techniques

Seek continuous improvement.

Focused on Your Needs Personal Service

Programs tailored to meet your needs Coverage Across the Nation

Represent all 50 states

Affiliated with most major insurances carriers

Achieved the highest level of designation with many of its major carriers.

We know you have choices; Crane’s goal is to be that choice. We continually strive to assist our clients with the best coverage to meet their organization’s needs.

IV. RISK MANAGEMENT ASSESSMENT

Conduct a review of the client’s current insurance program and operations Identify insurance program strengths and recommend areas for improvement

Worker’s compensation program strengths and recommend areas for improvement Review insurance requirement in contracts

Utilize all available resources to identify possible exposures to loss Loss sensitive insurance program analysis

Consulting on NCCI rating rules and various state requirements

Create tools for marketing and production unit staff to assist in the selling process Conduct educational seminars addressing various insurance topics.

Loss Control/ Safety Management Services:

Consult with management to improve effectiveness of existing loss control programs Develop and implement accident prevention programs

Provide safety training to all levels of management and employees

Improve commercial fleet accident prevention programs, driver training and loss control efforts Conduct ergonomic evaluations

Assist with OSHA compliance programs

Evaluate fire hazards and controls, and advanced property analysis

Assist in reduction of workplace injuries and to improve the safety culture Evaluate jobsite safety programs, construction safety and management.

V. CLAIMS ADVISORY SERVICES

Value Added Service Platform

Present on-site customer training on various topics Advise on hiring and discharge practices

Counsel on the return-to-work process Analyze coverage dispute issues

Review and analyze loss runs

Coordinate and conduct face-to-face claim review meetings

Answer technical questions on claims procedures and coverage issues Arrange free educational presentations.

VI. SURETY AND FIDELITY

Our focus will be to increase your bond program, bring transparency to the process, and decrease your costs.

Primary Services Provided:

Develop and implement an individual bond program to support your business goals Provide ongoing analysis and advice to help you maximize your surety bond program Optimize your surety program through market comparisons

Provide timely and accurate bond execution and delivery

VII. EMPLOYEE BENEFITS SERVICES

CORPORATE NEEDS

MEDICAL/HEALTH PLANS

Preferred Provider Organization Plans (PPO) Health Maintenance Organization Plans (HMO) Point of Service Plans (POS)

Exclusive Provider Plans (EPO) Fully Insured or Self Insured Plans Customer Driven Plans (HSA/HRA)

EMPLOYEE BENEFITS PLANS

Short Term and Long Term Disability Section 125 (Cafeteria or POP Plans) COBRA Administration

Wealth Management/Retirement Plans

VOLUNTARY & WORKSITE SOLUTIONS

Dental

Vision

Group Medical Long Term Care

Group Voluntary Term/AD&D

Group Disability (Short and/or Long Term) Portable Permanent Life

Payroll Plans

INDIVIDUAL NEEDS

IX. Proposed (Prospective Client) Timeline

2011 - 2012 Account Service Timeline

Annual Account Related Tasks Time Period for Task Team Member Assigned to

Task January to December Schedule

Begin Renewal Process 120 Days

Pre-Renewal Meeting-Internal 115 Days

Pre-Renewal Meeting-Client 110 Days

Renewal Submission to Insurers 90 Days

Meetings with Multiple Insurers 60 Days

Analysis of Quotes-Internal 30 Days

Prepare Proposal 25 Days

Presentation to Client 15 Days

Bind Coverage 10 Days to Inception

Binding Instructions to Insurers 10 Days to Inception

Binders, ID Cards, Certs to Client Before or at Inception

Policy Receipt and Check Within 60 Days of Receipt

Prepare Policy Summary Within 60 Days of Receipt

Deliver Polices to Client Within 60 Days of Receipt

Claims Review - Open/Closed Quarterly

Open Items Discussion-Internal Quarterly

Coordination of Crane Services Continuous

Claims Handling Continuous

Billing and Invoicing Continuous

Communication with Client Continuous

Communication with Insurers Continuous

Contract Review As Needed

Loss Control Services As Needed

We work for a belief.

THAT THE WAY THINGS HAVE ALWAYS BEEN DONE IS NO LONGER GOOD ENOUGH.

THAT THERE IS A RIGHT WAY TO DO THINGS. A RIGHT WAY TO TREAT PEOPLE.

A RIGHT WAY TO GET THINGS DONE. THAT A LONG TERM VIEW CAN MEET SHORT

TERM GOALS. THAT THE BEST DAYS ARE AHEAD OF US. THAT TOGETHER, OUR

FUTURE CAN BE BETTER.

We work for a belief.

WE ADVANCE IDEAS. WE REDUCE FEARS. WE FUEL DREAMS. WE INSPIRE

CONFIDENCE. WE RESTORE HOPE. WE CREATE BONDS. WE BUILD LASTING

RELATIONSHIPS. WE WORK TO ENSURE A BETTER LIFE. IT’S NOT SOMETHING WE

DO, IT’S WHO WE ARE. BECAUSE THE PEOPLE WE SERVE ARE MORE THAN

CUSTOMERS. THEY ARE OUR FAMILIES, NEIGHBORS, AND FRIENDS. FROM THE

SAME CITY, THE SAME TOWNS, AND THE SAME COMMUNITIES WHERE WE GREW UP.

TOGETHER WE’VE EXPERIENCED GOOD DAYS AND HARD DAYS AND EVERYTHING

IN BETWEEN. WHAT WE BUILD TODAY MUST HAVE THE STRENGTH TO LAST

TOMORROW.