Leadership in the right direction.

Since 2001, TrueNorth has focused on providing sound unwavering direction

for our clients, employees, and market partners. Building upon our heritage, we

provide a dynamic entrepreneurial operating platform that promotes a best in

class experience. Our model has enabled us to more than quadruple our sales and

expand our presence to over ten offices throughout the nation. In addition, our

20/20 Vision initiative establishes a goal of over $1 Billion in premiums and doubles

our staff to over 400. Such growth-oriented goals allow us to reinvest in innovation,

better support our team, provide top-notch customer service, and enjoy an

advantage with insurance carriers.

Another focus at TrueNorth Companies is to hire, train, and retain the very best team

members. We believe “People will determine who wins.” Our ability to attract the

best in our industry has led to a team of specialists, working together under one roof,

to help our clients protect and maximize their assets, utilizing our integrated

solutions approach.

TrueNorth has a big vision. Be a part of it.

Please contact our team and let us know how we can best serve you.

Sincerely, Duane J. SmithPresident/CEO

Our vision is to set the industry standard for excellence, transform the lives of everyone we encounter, and build an enduring legacy for our families and community.

EMPLOYEE BENEFITS | RISK MANAGEMENT | TRANSPORTATION | FINANCIAL STRATEGIES

Our clients face great risk and big opportunities. They seek leadership, integrity and real results. For over a decade, TrueNorth has met and surpassed our clients’ needs by providing innovative strategies and a personal connection to those we serve.

Whether you’re an individual or a business, our integrated platform of risk management, employee benefits, and financial strategies creates a multifaceted approach to address today’s ever-changing complexities.

No matter your direction—TrueNorth, will lead the way.

Welcome to TrueNorth.We have a vision...with you in mind.

• Bonds• Construction• Medical/Malpractice• Workers Compensation

• Property & Casualty - all business types

• Tribal Nations

We provide the following coverage solutions:

For individuals, we offer the following policies & 24/7 service: Home• Homeowners• Condominiums• Renter’s Coverage• Vacation Homes• Mobile Homes• Flood Insurance

Are you often plagued by the What Ifs? Today the cost of risk to your personal property, employees, or customers goes beyond basic risk management solutions. The road to security begins with a guide pointing you in the right direction.

Comprehensive Risk ManagementUnique Services.Innovative Solutions.

TrueNorth is proud

to insure:

$740 million in home values

>12,000autos

>4,000businesses

Vehicle• Auto and Motorcycle Insurance• Recreational Vehicles• Classic Cars• Watercraft• Powersports• Towing• Rental Reimbursement• Equipment Breakdown• Lease/Gap Coverage

Other Available Coverage• Personal Umbrella• Water/Sewer Back-Up• Scheduled Personal Property• Identity Theft Coverage• In-Home Business Coverage

• Aviation• Bonds• Commerical Auto• Cyber Liability• Directors and Officers

Liability• Employment Practices

Liability• Errors and Omissions• Flood

• General Liability• Inland Marine• Loss Control & Safety

Engineering• Medical Malpractice• Professional Liability• Property• Umbrella• Workers Compensation

In addition to being a full-service agency, we offer specialties in:

TrueNorth has built a team of risk management professionals that are able to evaluate, understand and reduce your risk. We pride ourselves on the professional advice, advocacy, and unique services that help safeguard that which is most important to you.

Over the last 25+ years, TrueNorth has earned the opportunity of working with some of the highest quality Transportation companies in the nation to architect, advise, and administer Enterprise Risk Management Strategies. By staying true to our mission, we have built an industry leading Transportation Risk Management practice.

TransportationIndustry Focused. Client Centric. Driven Results.

WHY TRANSPORTATION COMPANIES CHOOSE TRUENORTH:

Experience and Knowledge• 70+ Specialized Team Members • National client base of high quality

transportation companies • >37,000 Leased Owner-Operators

Clout with Transportation Insurance Markets• $190+ Million premium placements

Proprietary Risk SolutionsOverDrive: Web-based administrative solutionINERGY: Proprietary claims intake and business intelligence toolIntegrated Workforce Optimization: Integrates safety and profitabilityICX/Independent Carrier Extension: Maximizes alternative capacity

IC DIRECTOR OF

RISK

TRUCKERSTRUCKERSTRUCKERSSERVICEASSOCIATION

RISKSOLUTIONS

CORPORATEINSURANCE

& RISK FINANCING

CLIENT

BENEFITSNAVIGATOR

SERVICES & SOLUTIONS WITH YOU IN MIND

Since 2001

>33% of the top For-Hire motor carriers

have worked with TrueNorth Transportation

Our mission: To assist transportation companies and their people with protecting and maximizing assets, resources and opportunities. TrueNorth Transportation embraces the challenges transportation companies face when balancing concerns and motivators within a complex national operating environment. Given the various risks that a transportation company is exposed to, building a cohesive transportation risk strategy is more of an “art” than a “craft.”

TrueNorth delivers on its mission via client-centric teams of integrated specialty practices leveraging people, systems, and processes. We DRIVE your transportation risk strategy so you can focus on hauling freight and delivering goods safely and profitably.

For our business clients, we offer help in• Group health fully-insured• Group health self-funded• Health and Welfare Fee-Based Consulting Services• Health savings accounts (HSAs)• Health reimbursement accounts (HRAs)• Taft Hartley Trust Administration• Dental• Vision• Pharmacy• Group life and accidental death and dismemberment• Short-term disability• Long-term disability• Long-term care• Section 125• Employee assistance program• Voluntary benefits• Employee communication strategies• Benefits benchmarking tools• Automated enrollment options• HR tools and assistance• Corporate wellness programs/strategies

For our individual clients, we offer individual health insurance policies like• Health Savings Accounts (HSAs) • Major medical• Medicare supplemental and Medicare Advantage PPO

options• Prescription drug plan• Medicare supplements with select hospitals• Personal dental plan

When engaging with TrueNorth & the Benefits Navigator™

process, clients see

after only three years using the plan design

level or lower costs

Employees are a critical part of every organization, and you want to make sure you attract and retain the best. What do good candidates look for in an employer? What do employees need to stay long-term? How can you exceed their expectations? One piece to the employee recruitment and retention puzzle is a strong group benefits program.

The Benefits Navigator™ is our landmark corporate risk management program that simplifies the experience for employers and employees in the areas of Cost Management, Compliance, Employee Engagement and Administration.

Employee Benefits Clarity. Control. Capability.

The financial strategists at TrueNorth gain a deep understanding of both your individual and firm objectives and design customized plans to meet those needs. Our personalized approach, The TrueNorth Solution™, provides confidence and direction, for you, your employees, and their families.

Financial StrategiesConfidence. Focus. Direction.

Qualified Retirement Plans• 401(k) Plans• Profit Sharing Plans• Money Purchase Pension Plans• SIMPLE Plans• New Comparability Plans• ESOPs• Defined Benefit Plans• 401(k) Overlay Non-Qualified Plans

Wealth Management• Investment Portfolio Management• Risk Management • Asset Protection• Retirement Income Planning• Executive Services and Stock Options• Financial Planning Coordination

Executive Benefits and Succession Planning• Business Succession• Estate Planning• Personal Financial Planning• Key Employee Benefits• Supplemental Executive Retirement Plans• Executive Compensation Strategies• Life Insurance OptimizationOur

retirement programs

serve:

1/4of assets under management

5000 individuals

$1 Billion in-force lifeinsurance

of a billion dollars

Whether you’re an individual or a business, our integrated platform of risk management, employee benefits, and financial strategies creates a multifaceted approach to address today’s ever-changing complexities.

Let TrueNorth help you meet your objectives – today, tomorrow and into the future. Contact one of our experts today to get started.

800-798-4080We’re proud to have offices all over the country. For more information and the

location nearest to you, please visit truenorthcompanies.com

TrueNorth® Home Office 500 1st St SE

Cedar Rapids, IA 52401

EMPLOYEE BENEFITS | RISK MANAGEMENT | TRANSPORTATION | FINANCIAL STRATEGIES

PROPERTY & CASUALTYRISK MANAGEMENT

INDIVIDUALSOLUTIONS

RETIREMENTPLANS

SPECIALSOLUTIONS

EMPLOYEEBENEFITSTRANSPORTATION

CONSULTING& EDUCATION

STRATEGICCONTINUATION

PLANNING

INTEGRATED SOLUTIONSWITH SPECIALISTS

INTEGRATED SOLUTIONSWITH SPECIALISTS