∙ Exposure analysis

∙ Best practice audits

∙ OSHA/regulatory compliance reviews

∙ Risk financing alternatives

∙ Cost of risk analysis

∙ Loss control and safety

∙ Business interruption/extra expense

∙ General/product liability

License and permit bonds∙

∙ Public official’s bonds

Motor vehicle bonds∙

∙ Performance bonds

∙ Fidelity bonds

Bid bonds∙

Professional liability∙

Workers compensation∙

Commercial auto∙

∙ Manufacturer’s errors and omissions

Umbrella/excess liability∙

Pollution/environmental∙

∙ Product recall

∙ Cyber liability

∙ Foreign exposures

∙

directors and officers, employment

practices, fiduciary, crime, kidnap/ransom

Executive protection including

Inland marine∙

Electronic∙ data processing

Equipment breakdown∙

Flood & earthquake∙

Builder’s risk∙

∙ Utility interruption ∙ Cargo/transit

Property

Casualty

Surety

Risk transfer∙

∙ Contract review

∙ Benchmarking

∙ Coverage gap analysis

∙ Experience modification audit & forecasting

∙ Disaster planning

Risk Management

Commercial Insurance

Commercial Insurance

Commercial Insurance

Your Trusted Advisor.

GroupTM

Client Focused. Results Driven.insurance risk management employee benefits

GroupTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management

Commercial Insurance & Risk Management Execution Commercial Insurance & Risk Management Solutions

It’s easy for consultants to over-promise and under-deliver. But you deserve

more. That’s where we come in.

We back up our promises by our Milestone Service Timeline, a service contract

that we develop with your collaboration to establish and measure our mutual

commitments and priorities. Our annual stewardship report will allow you to

objectively evaluate our performance and make sure we are “earning our

keep.”

team approach | stewardship reporting | transparency

solutions oriented | benchmarking | performance

metrics | total cost of risk | advanced technology

AccountabilityPromises, promises. How many times have you met with brokers or other consultants and they all say and promise the same thing, only to fall short of those expectations once they win your business?

We created the Milestone Service Timeline, a system-driven projectmanagement tool, to keep us on task and accountable for ourpromises to you.

“We were excited to see Henriott Group develop the Milestoneconcept. It sounds simple, but it’s rare in our experience to havesuch transparency and collaboration with an outside consultantto make sure we’re making progress on the important riskmanagement projects on our plate.” – John, CFO

800.382.7875info@henriott.comwww.henriott.com

8 North Third Street, Suite 101Lafayette, IN 47901

GGrroouuppTMTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management Strategy

Organizations of all sizes and varieties face exposures to loss that can have a

crippling effect on the organization and its ability to fulfill its mission. Most

organizations do not have the internal risk management resources

or time to focus on this critical area of the business.

That’s where we come in. Our Milestone insurance and risk management

program ensures that you have an experienced and professional partner

working as your advocate to help identify, quantify and address

potential areas of loss before they occur.

exposure identification | risk appetite | carrier

selection | risk transfer | safety and loss prevention

management practices | alternative risk transfer/captives

Commercial Insurance & Risk Management Introduction

CollaborationTo be effective, we want to become part of your team. We need to understand your business, your concerns….what keeps you up at night. You want a risk management partner that can help you anticipate future risks, not just place insurance for today’s needs.

“We rely on Henriott Group to provide ideas, ask probingquestions and challenge us to improve our risk managementprogram. Frankly, before we worked with Henriott Group,we didn’t use the term risk management. Since then, wehave broadened our view beyond the insurance programand, as a result, feel like we have a better handle on ourrisks and our response to those risks should they occur.We couldn’t do this if Henriott Group wasn’t engagedin our business.” - Howie, CFO

Commercial Insurance & Risk Management Service

If you’re like most of our clients, your organization could use fewer vendors and

more partners committed to helping you succeed. That’s where we come in.

At Henriott, we believe service means more than returning phone calls and issuing

certificates of insurance. Our Milestone insurance and risk management program is

customized to our clients’ needs and focuses on one thing — improving our clients’

profitability by minimizing their long-term cost of risk.

dedicated service team | claims advocacy | coverage

checklists and gap analysis | claim reviews | carrier meetings

contract review | 24/7 response | risk management training

safety/risk management portal | service timeline

Knowledge & ExpertiseWe can have a great strategy and know your business inside and out, but without a team of professionals on staff to respond immediately to your questions and concerns, proactively bring ideas to the table and advocate on your behalf…well, how much is that strategy really worth?

“Without a doubt, our relationship with Henriott has beenvery beneficial. Not only do we know we're getting excellentinsurance coverage - and adequate coverage, especiallycompared to how underinsured we were previously - but weare getting valuable updates and answers to daily questionsas we need them. Everyone we've worked with has beenfriendly, helpful and very professional.” - Jan, City Mayor

Client Focused. Results Driven.Our tagline says it all…our focus is on the unique, ever-changing needs of our clients. Once we understand your needs and concerns, our attention turns to delivering the results you expect.

“We believe long-term relationships, built on trust,openness and competency, are critical to reducing wasteand delivering a superior product. The Henriott Grouphas been our risk management partner for more than 30years, largely because they work with us to assess ourfuture needs, help us better avoid risk and improve ourclaims management.” - Barry, CEO

Today’s economic climate is as challenging as ever and requires all of

your attention. That’s where we come in.

Our job is simply stated — to help your organization lower its long-term

cost of risk by partnering with you to manage the often overlooked, but

potentially very costly, areas of insurance and risk management. To

accomplish our goal, we start by using a sound strategy—supported

by proactive and professional service—and backed up by a written

plan of execution.

Your Henriott team will work with you to incorporate sound risk

management practices with the purchase of insurance to provide

the protection your organization needs now and in the future.

Our Mission...

GGrroouuppTMTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management Strategy

Organizations of all sizes and varieties face exposures to loss that can have a

crippling effect on the organization and its ability to fulfill its mission. Most

organizations do not have the internal risk management resources

or time to focus on this critical area of the business.

That’s where we come in. Our Milestone insurance and risk management

program ensures that you have an experienced and professional partner

working as your advocate to help identify, quantify and address

potential areas of loss before they occur.

exposure identification | risk appetite | carrier

selection | risk transfer | safety and loss prevention

management practices | alternative risk transfer/captives

Commercial Insurance & Risk Management Introduction

CollaborationTo be effective, we want to become part of your team. We need to understand your business, your concerns….what keeps you up at night. You want a risk management partner that can help you anticipate future risks, not just place insurance for today’s needs.

“We rely on Henriott Group to provide ideas, ask probingquestions and challenge us to improve our risk managementprogram. Frankly, before we worked with Henriott Group,we didn’t use the term risk management. Since then, wehave broadened our view beyond the insurance programand, as a result, feel like we have a better handle on ourrisks and our response to those risks should they occur.We couldn’t do this if Henriott Group wasn’t engagedin our business.” - Howie, CFO

Commercial Insurance & Risk Management Service

If you’re like most of our clients, your organization could use fewer vendors and

more partners committed to helping you succeed. That’s where we come in.

At Henriott, we believe service means more than returning phone calls and issuing

certificates of insurance. Our Milestone insurance and risk management program is

customized to our clients’ needs and focuses on one thing — improving our clients’

profitability by minimizing their long-term cost of risk.

dedicated service team | claims advocacy | coverage

checklists and gap analysis | claim reviews | carrier meetings

contract review | 24/7 response | risk management training

safety/risk management portal | service timeline

Knowledge & ExpertiseWe can have a great strategy and know your business inside and out, but without a team of professionals on staff to respond immediately to your questions and concerns, proactively bring ideas to the table and advocate on your behalf…well, how much is that strategy really worth?

“Without a doubt, our relationship with Henriott has beenvery beneficial. Not only do we know we're getting excellentinsurance coverage - and adequate coverage, especiallycompared to how underinsured we were previously - but weare getting valuable updates and answers to daily questionsas we need them. Everyone we've worked with has beenfriendly, helpful and very professional.” - Jan, City Mayor

Client Focused. Results Driven.Our tagline says it all…our focus is on the unique, ever-changing needs of our clients. Once we understand your needs and concerns, our attention turns to delivering the results you expect.

“We believe long-term relationships, built on trust,openness and competency, are critical to reducing wasteand delivering a superior product. The Henriott Grouphas been our risk management partner for more than 30years, largely because they work with us to assess ourfuture needs, help us better avoid risk and improve ourclaims management.” - Barry, CEO

Today’s economic climate is as challenging as ever and requires all of

your attention. That’s where we come in.

Our job is simply stated — to help your organization lower its long-term

cost of risk by partnering with you to manage the often overlooked, but

potentially very costly, areas of insurance and risk management. To

accomplish our goal, we start by using a sound strategy—supported

by proactive and professional service—and backed up by a written

plan of execution.

Your Henriott team will work with you to incorporate sound risk

management practices with the purchase of insurance to provide

the protection your organization needs now and in the future.

Our Mission...

GGrroouuppTMTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management Strategy

Organizations of all sizes and varieties face exposures to loss that can have a

crippling effect on the organization and its ability to fulfill its mission. Most

organizations do not have the internal risk management resources

or time to focus on this critical area of the business.

That’s where we come in. Our Milestone insurance and risk management

program ensures that you have an experienced and professional partner

working as your advocate to help identify, quantify and address

potential areas of loss before they occur.

exposure identification | risk appetite | carrier

selection | risk transfer | safety and loss prevention

management practices | alternative risk transfer/captives

Commercial Insurance & Risk Management Introduction

CollaborationTo be effective, we want to become part of your team. We need to understand your business, your concerns….what keeps you up at night. You want a risk management partner that can help you anticipate future risks, not just place insurance for today’s needs.

“We rely on Henriott Group to provide ideas, ask probingquestions and challenge us to improve our risk managementprogram. Frankly, before we worked with Henriott Group,we didn’t use the term risk management. Since then, wehave broadened our view beyond the insurance programand, as a result, feel like we have a better handle on ourrisks and our response to those risks should they occur.We couldn’t do this if Henriott Group wasn’t engagedin our business.” - Howie, CFO

Commercial Insurance & Risk Management Service

If you’re like most of our clients, your organization could use fewer vendors and

more partners committed to helping you succeed. That’s where we come in.

At Henriott, we believe service means more than returning phone calls and issuing

certificates of insurance. Our Milestone insurance and risk management program is

customized to our clients’ needs and focuses on one thing — improving our clients’

profitability by minimizing their long-term cost of risk.

dedicated service team | claims advocacy | coverage

checklists and gap analysis | claim reviews | carrier meetings

contract review | 24/7 response | risk management training

safety/risk management portal | service timeline

Knowledge & ExpertiseWe can have a great strategy and know your business inside and out, but without a team of professionals on staff to respond immediately to your questions and concerns, proactively bring ideas to the table and advocate on your behalf…well, how much is that strategy really worth?

“Without a doubt, our relationship with Henriott has beenvery beneficial. Not only do we know we're getting excellentinsurance coverage - and adequate coverage, especiallycompared to how underinsured we were previously - but weare getting valuable updates and answers to daily questionsas we need them. Everyone we've worked with has beenfriendly, helpful and very professional.” - Jan, City Mayor

Client Focused. Results Driven.Our tagline says it all…our focus is on the unique, ever-changing needs of our clients. Once we understand your needs and concerns, our attention turns to delivering the results you expect.

“We believe long-term relationships, built on trust,openness and competency, are critical to reducing wasteand delivering a superior product. The Henriott Grouphas been our risk management partner for more than 30years, largely because they work with us to assess ourfuture needs, help us better avoid risk and improve ourclaims management.” - Barry, CEO

Today’s economic climate is as challenging as ever and requires all of

your attention. That’s where we come in.

Our job is simply stated — to help your organization lower its long-term

cost of risk by partnering with you to manage the often overlooked, but

potentially very costly, areas of insurance and risk management. To

accomplish our goal, we start by using a sound strategy—supported

by proactive and professional service—and backed up by a written

plan of execution.

Your Henriott team will work with you to incorporate sound risk

management practices with the purchase of insurance to provide

the protection your organization needs now and in the future.

Our Mission...

∙ Exposure analysis

∙ Best practice audits

∙ OSHA/regulatory compliance reviews

∙ Risk financing alternatives

∙ Cost of risk analysis

∙ Loss control and safety

∙ Business interruption/extra expense

∙ General/product liability

License and permit bonds∙

∙ Public official’s bonds

Motor vehicle bonds∙

∙ Performance bonds

∙ Fidelity bonds

Bid bonds∙

Professional liability∙

Workers compensation∙

Commercial auto∙

∙ Manufacturer’s errors and omissions

Umbrella/excess liability∙

Pollution/environmental∙

∙ Product recall

∙ Cyber liability

∙ Foreign exposures

∙

directors and officers, employment

practices, fiduciary, crime, kidnap/ransom

Executive protection including

Inland marine∙

Electronic∙ data processing

Equipment breakdown∙

Flood & earthquake∙

Builder’s risk∙

∙ Utility interruption ∙ Cargo/transit

Property

Casualty

Surety

Risk transfer∙

∙ Contract review

∙ Benchmarking

∙ Coverage gap analysis

∙ Experience modification audit & forecasting

∙ Disaster planning

Risk Management

Commercial Insurance

Commercial Insurance

Commercial Insurance

Your Trusted Advisor.

GroupTM

Client Focused. Results Driven.insurance risk management employee benefits

GroupTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management

Commercial Insurance & Risk Management Execution Commercial Insurance & Risk Management Solutions

It’s easy for consultants to over-promise and under-deliver. But you deserve

more. That’s where we come in.

We back up our promises by our Milestone Service Timeline, a service contract

that we develop with your collaboration to establish and measure our mutual

commitments and priorities. Our annual stewardship report will allow you to

objectively evaluate our performance and make sure we are “earning our

keep.”

team approach | stewardship reporting | transparency

solutions oriented | benchmarking | performance

metrics | total cost of risk | advanced technology

AccountabilityPromises, promises. How many times have you met with brokers or other consultants and they all say and promise the same thing, only to fall short of those expectations once they win your business?

We created the Milestone Service Timeline, a system-driven projectmanagement tool, to keep us on task and accountable for ourpromises to you.

“We were excited to see Henriott Group develop the Milestoneconcept. It sounds simple, but it’s rare in our experience to havesuch transparency and collaboration with an outside consultantto make sure we’re making progress on the important riskmanagement projects on our plate.” – John, CFO

800.382.7875info@henriott.comwww.henriott.com

8 North Third Street, Suite 101Lafayette, IN 47901

∙ Exposure analysis

∙ Best practice audits

∙ OSHA/regulatory compliance reviews

∙ Risk financing alternatives

∙ Cost of risk analysis

∙ Loss control and safety

∙ Business interruption/extra expense

∙ General/product liability

License and permit bonds∙

∙ Public official’s bonds

Motor vehicle bonds∙

∙ Performance bonds

∙ Fidelity bonds

Bid bonds∙

Professional liability∙

Workers compensation∙

Commercial auto∙

∙ Manufacturer’s errors and omissions

Umbrella/excess liability∙

Pollution/environmental∙

∙ Product recall

∙ Cyber liability

∙ Foreign exposures

∙

directors and officers, employment

practices, fiduciary, crime, kidnap/ransom

Executive protection including

Inland marine∙

Electronic∙ data processing

Equipment breakdown∙

Flood & earthquake∙

Builder’s risk∙

∙ Utility interruption ∙ Cargo/transit

Property

Casualty

Surety

Risk transfer∙

∙ Contract review

∙ Benchmarking

∙ Coverage gap analysis

∙ Experience modification audit & forecasting

∙ Disaster planning

Risk Management

Commercial Insurance

Commercial Insurance

Commercial Insurance

Your Trusted Advisor.

GroupTM

Client Focused. Results Driven.insurance risk management employee benefits

GroupTM

Client Focused. Results Driven.

Commercial Insurance & Risk Management

Commercial Insurance & Risk Management Execution Commercial Insurance & Risk Management Solutions

It’s easy for consultants to over-promise and under-deliver. But you deserve

more. That’s where we come in.

We back up our promises by our Milestone Service Timeline, a service contract

that we develop with your collaboration to establish and measure our mutual

commitments and priorities. Our annual stewardship report will allow you to

objectively evaluate our performance and make sure we are “earning our

keep.”

team approach | stewardship reporting | transparency

solutions oriented | benchmarking | performance

metrics | total cost of risk | advanced technology

AccountabilityPromises, promises. How many times have you met with brokers or other consultants and they all say and promise the same thing, only to fall short of those expectations once they win your business?

We created the Milestone Service Timeline, a system-driven projectmanagement tool, to keep us on task and accountable for ourpromises to you.

“We were excited to see Henriott Group develop the Milestoneconcept. It sounds simple, but it’s rare in our experience to havesuch transparency and collaboration with an outside consultantto make sure we’re making progress on the important riskmanagement projects on our plate.” – John, CFO

800.382.7875info@henriott.comwww.henriott.com

8 North Third Street, Suite 101Lafayette, IN 47901