Risk Management and Insurance Brokerage Services

CORPORATE OVERVIEW

Risk management without passion, innovation and accountability is just buying insurance. This is not

just a marketing tagline or slogan, these are principles that we truly believe in and embrace. From

administrative staff and service team members to executives, our entire company is passionate about

what they do and about making a difference for you.

Passion. We are passionate about providing you with a unique experience – one that goes beyond

traditional, one-off insurance transactions.

Innovation. We rely on innovation to create advanced analytics to assess your total cost of

risk and pinpoint areas of your business that will drive down costs.

Accountability. We embrace accountability and align ourselves to meet your objectives.

Principled.

Beecher Carlson is not a traditional broker. Our industry and product experts are changing the conversation. Utilizing

all available tools and resources, they view your business holistically to provide

the best risk management solution.

Steve DentonChief Executive Officer

Beecher Carlson is a large account risk management broker that delivers expertise by industry focus and product specialization. Valuing depth of industry and product knowledge, we differentiate ourselves from others in the industry by operating on a single profit center model. Under this model, you will have complete access to our national, top-tier resources without complicated political structures or local profit center mentalities. Your Beecher Carlson service team is formed based on your needs, not geographic convenience.

Specialized.

Industries.We are the insurance broker for those that demand more: more services, more expertise and more options. Your company will reap significant cost savings due to our analytical thinking and creative solutions as well as our deep knowledge of your specific industry – Energy, Financial Services, Healthcare, Hospitality, Manufacturing, Public Entities, Real Estate and Tribal Nation Insurance.

ENERGYOur National Energy Practice has a proven track record. Our combination of experience, forward-looking advice, predictive analytics and up-to-date knowledge about the Energy industry truly sets us apart. We are proud of the long-standing relationships we have built in the independent power, renewable energy and utility sectors.

FINANCIAL SERVICESWhether you are investing in a company, extending credit or an arbitrage of the market, the risks are acute. We provide innovative solutions to meet the rising challenges of regulation and potential litigation in the Financial Services industry.

HEALTHCAREWe have a team of professionals with extensive experience in the healthcare industry. With both clinical and risk financing experience, we come prepared to understand and offer creative solutions for your particular challenges. Our unsurpassed expertise helps you manage your business, protect your capital and fulfill your corporate mission of excellent quality and service.

HOSPITALITYWe are a partner and advocate for our clients in the hospitality industry. Successfully servicing some of the most prominent names in the industry, we understand your complex insurance and risk management needs.

MANUFACTURINGBeecher Carlson’s National Manufacturing Practice knows your industry inside and out. As your partner and advocate, we clearly present and explain all the possibilities in risk management to drive down your total cost of risk.

PUBLIC ENTITIESYour responsibilities demand the best insurance coverage possible while keeping costs under control. We know you have high expectations when it comes to managing your risk, budget and professional vendor relationships and we will provide unprecedented service tailored to your needs.

REAL ESTATEWe value depth of knowledge and account familiarity over geographic convenience. We specialize in maximizing the relationship between risk management and profitability for property owners and managers.

TRIBAL NATION INSURANCEThe unique and specialized risk needs of Tribal Nations require a team of specialists. We are dedicated to providing risk management solutions that recognize and respect the importance of sovereignty and self-governance.

The insurance industry is constantly changing. However, one fact remains the same. Insurance is a people-driven business built on relationships.

Dan DonovanExecutive Chairman

• Won Captive Review’s 2013 Innovation in Captive Management award

• Named 2012 Captive Manager of the Year by Captive Review

• Recognized as one of the Top Insurance and Professional Services Organizations

for Diversity and Inclusiveness by Exelon

• Won AutoZone’s 2013 Partner Excellence award

• Winner of Business Insurance’s 2009 & 2010 Readers’ Choice awards

• Recipient of the highest favorability rating in 2010 and honorable mention in

Excellence in 2011 in the Greenwich Associates’ Large Corporate Insurance

Study of 683 corporate risk managers

• Produced 52 Risk & Insurance’s Power Broker wins and 14 finalists

Beecher Carlson has one of the highest client retention rates in the industry delivering

integrated insurance and risk management solutions to some of the most respected

companies in the world. Known for our analytical thinking and consultative approach, we

value building trusted, long-term business relationships. We are accountable to you and

align our service teams to meet your objectives. At Beecher Carlson, we pride ourselves on

service and are continuously recognized for it.

Recognized.

Innovative. At Beecher Carlson, we believe innovative companies don’t look for trends, they create them. We have broken new ground with our proprietary methodologies and tools. By identifying and quantifying the factors that impact your business, we can generate evidence-based information that helps you understand how each decision will affect your organizations cost of risk. Technology, systems and processes cannot stand still. They must change as industries change. We strive to continuously develop new and better technologies to support your business requirements and drive operational excellence.

LiNKTransparent Financial Analysis. Simple Decision Making.The more locations your company has across the country, the more difficult it is to accurately allocate your property premiums. Without precisely allocated premiums, it becomes nearly impossible to create an accurate cost analysis or budget for any particular property. Beecher Carlson has developed a way to better manage this time-consuming task.

MARAAn Analytical Approach.At Beecher Carlson, we developed a better way to prepare your business against the likelihood of a securities class action suit being filed, and the expected severity of financial loss relating to securities litigation. MARA (Multivariate Algorithm for Risk Analysis) evaluates approximately 4,000 metrics to determine and assess your company’s risk drivers, identifies patterns and allows you to focus on areas where practical risk solutions can be applied.

NOVUSTime is money.Businesses must make decisions quickly and accurately. That is why we created NOVUS, a browser-based tool with a completely traceable paperless process. NOVUS preserves data integrity, enhances communication and keeps clients, insurers and brokers in sync.

PULSE™Be More Efficient, and More Effective.More than ever, healthcare professionals are focused on improving the efficiency and effectiveness of their medical malpractice insurance program without compromising the quality of patient care. PULSE is a browser-based solution automated to all functions of your medical malpractice insurance policy that allows doctors, facilities and allied health professionals to self-service accounts, complete applications, receive online quotes and bind medical malpractice coverage by simply accessing your online database.

RISKCONCIERGEWe Attend to Your Risk, So You Can Tend to Your Guests.At Beecher Carlson, we understand your challenges and your business. We developed RiskConcierge – an innovative web-based Hospitality Insurance and Risk Management system that takes the hassles out of managing your insurance information. It puts your data in one place so you can easily access and manage the effectiveness of your risk management program, analyze claims issues and structure your program.

ZOOM®Zoom in on Your Largest Cost of Risk.At Beecher Carlson, we are constantly innovating with state-of-the-art tools such as ZOOM®, our patent-pending business process that combines the science of predictive analytics and data mining with hands-on claims consulting and loss control engineering expertise.

Services.PROPERTY

Our goal is to help you remove as much uncertainty as possible from your property program. Beecher Carlson provides you with a service package that automatically includes analytics, risk control and pre- and post-loss planning in addition to insurance brokerage.

CASUALTY

Prior to placing every program, we utilize a suite of analytical tools such as loss analyses and forecasts, outstanding collective analyses and net present value/cash flow analyses to support all of your program options and decisions.

EXECUTIVE LIABILITY

Protect your decision makers. We provide a forward-looking view into your company’s D&O risk, identifying steps to reduce the severity and frequency of future shareholder class action litigation – before it happens. Beecher Carlson works with you to prevent, mitigate and finance directors and officers liability and related governance risks.

RISK SERVICES

Prevent what you can and prepare for the rest. We deploy in-depth pre-loss consulting to help control your risk, protect your assets and pave the way for superior post-loss response. We go beyond insurance placement to support your business before, during and after times of loss in every aspect - from statistical analysis to program development and compliance.

ENVIRONMENTAL LIABILITY

Your company must have a strong plan for managing environmental risk. We have structured, negotiated and placed pollution liability, cost cap and environmental professional liability transfer programs for a wide array of Fortune 500 companies and ENR 300 engineers, consultants and contractors. We have the breadth of experience to prevent a crisis. If a claim does occur, we will be at the forefront as your liaisons and advocates to achieve the best and most timely outcome for your company.

CLAIMS MANAGEMENT

Risk management doesn’t stop with the placement of an insurance program. Our claims experts work closely with you to design, implement and monitor your claims management program. We’re with you through every stage of the claims cycle, controlling the cost of loss and, ultimately, the cost of risk.

Beecher Carlson is a subsidiary of Brown & Brown, Inc. and headquartered in Atlanta, GA. Brown & Brown is one of the nation’s leading independent insurance intermediaries and is ranked as the seventh largest insurance brokerage in the United States and the eighth largest brokerage

worldwide by Business Insurance magazine.

800.657.0243 beechercarlson.com

CORPORATE OVERVIEW

800.657.0243 beechercarlson.com