What the Broker does

1
What the Broker does
Risk Identification
Marketing Strategy
Risk Management
Product Development
Market Presentations
Client Training
Negotiation
Market Security
Policy Design
Market Information
Account Processing
Claims Services
2
What the Broker does

• Provides services solutions to meet the diverse
  needs of a variety of clients
• small large companies
• financial institutions
• governments
• insurance organizations
• individual consumers
• In sum, brokers help clients anticipate the
  obstacles that may stand in the way of achieving
  their business vision by providing innovative,
  effective solutions that can help clear the path
  to their success.

3
How the Broker does it
Through collaborating with their clients, brokers
integrate these products and services to deliver
customized solutions.
4
How the Broker does it
The broker helps companies achieve their goals by
providing professionals who are

• Specialized Experts
• In every area of risk management and insurance
  brokerage reinsurance and specialized
  underwriting solutions and human capital
  consulting.
• Problem-Solvers
• The brokers experience is built on a unique
  blend of skills ideas, industry commercial
  expertise and cutting-edge technological
  resources.

5
How the Broker does it
The broker helps companies achieve their goals by
providing professionals who are

• Forward-Thinkers
• The broker goes beyond today's answers by
  anticipating tomorrow's questions and then,
  design and deliver innovative, value-added
  products solutions
• Valuable Advisors
• In everything they do, their unyielding focus
  remains on the client
• Client Partners
• They bring creativity and depth of resources to
  our clients to deliver the right solutions at the
  right time

6
The Broker Approach

• Enterprise-Wide Risk Management
• Collaborating with their clients, professional
  brokers evaluate a companys complexity, industry
  profile, geographic scope and other
  characteristics.
• Applying industry knowledge, product expertise
  and market intelligence, they identify and
  evaluate the companys complete risk management
  needs and create comprehensive, customized
  solutions from a full slate of products and
  services.

7
How Brokers Deliver Value

• Global Network
• Clients benefit from the worldwide organization
  and brokers ability to draw upon the expertise
  of professional, technological and geographic
  teams to develop the best, most cost-efficient
  products, services and solutions to meet the
  clients basic and complex risk and consulting
  needs.
• Knowledge Management
• Brokers broad extensive repertoire of
  knowledge and information shared across the
  organization using Intranet technologies helps
  them to deliver the right information, in the
  right context, to the right people, at the right
  time to take action in the most effective manner.
• Best Practices
• A seamless distribution network of skilled
  professionals is dedicated to bringing clients
  best practices that address their needs anytime,
  anywhere in the world.

8
How Brokers Deliver Value

• Integrated Solutions
• Brokers work with their clients to put together
  an overall, enterprise-wide risk profile. Then,
  in collaboration with the client, apply
  comprehensive solutions that deliver the brokers
  vast resources from risk management, global
  brokerage, alternative risk transfer to capital
  management, claims services, underwriting and
  human capital consulting.
• Strategic Account Management
• Brokers join forces with their clients to
  understand their business goals, financial
  objectives, competition, core strengths,
  vulnerabilities and new opportunities. Based on
  this understanding, they provide solutions in the
  most comprehensive manner possible.
• The value-added for their client is the brokers
  ability to provide comprehensive solutions and a
  single point of contact for most of the clients
  needs.

9
Integrated Solutions Case Study 1

• A large, fast-paced company takes on a new risk
  profile with every market entered, every jump in
  size and every business venture. A trusted
  advisor can collaborate with you to help
  constantly rethink and review
• Workplace hazards
• Product liability exposure
• Reputation risk
• High employee turnover
• Weather risks
• Patent infringement

10
The broker addresses these and a wide range of
other needs with industry specialization and
products and services that include...

• Claims management audits
• Industry expertise
• Management consulting
• Captive management programs
• Directors and officers coverage

• Employment outsourcing services
• Change management consulting
• Risk management information systems

11
Integrated Solutions Case Study 2
Organizations today are subject to rapid and
fundamental change. Acquisitions, mergers,
spin-offs and IPOs all bring a new element to the
business of managing risk. Among the new
considerations...

• Attracting the right board of directors to
  provide expert guidance
• Risk management planning reflecting new exposures
  of a changed organization
• Protection against liabilities inherited with
  acquisitions

• Executive compensation programs that retain key
  talent
• New human resource, benefit and employee
  compensation programs
• Navigating the capital and risk issues in
  business combinations

12
The broker helps clients recognize and handle the
risk inherent in dramatic organizational change
through...

• Mergers and acquisitions expertise
• Human resources advice
• Executive compensation and benefits
• Dynamic financial analysis that evaluates risk
  retention capabilities

• Change management consulting
• Directors and officers coverage
• Capital markets consulting and services
• Benefits consulting and coverage