Industry Specific P&C Solutions – Not Just Insurance

As a contractor, your insurance, surety and benefit plan needs are unique. Your coverage must be comprehensive, cost-effective and flexible.

The AssuredPartners NL construction group is a team of specialists in property and casualty, surety and health/life benefits who will review every aspect of your insurance program to identify savings and protect your assets.

Our team will work with you to:• Identify areas of potential risk and provide programs to minimize risk exposure • Minimize your total cost of risk with focused risk management solutions • Develop holistic programs for enterprise risk management • Assess potential alternative risk opportunities • Provide solutions to secure healthcare reimbursement revenue • Provide energy solutions to reduce your energy cost with both supply and demand solutions

If you rely on surety credit, we will personally meet with you to design a surety program that will allow your firm to take advantage of work opportunities that help your firm to grow. Because time is “of the essence” in the construction industry, we provide fast turnaround time on all bond requests. AssuredPartners NL is a member of the National Association of Surety Bond Producers (NASBP), which is a network of over 500 national and international surety brokers, and Assured Partners NL represents all major surety companies.

As your partner, our team of surety professionals will take ownership and accountability in proactively managing your surety relationship.

Our surety team will work with you to:• Provide advice in negotiations with your surety (capacity/rates/indemnity/joint ventures, etc.) • Review owner contracts, bond forms, subcontracts for onerous terms and conditions • Consult with regard to continuity, business planning and other risk mitigation strategies • Facilitate surety solutions to solve your business challenges • Provide benchmark analysis and best in class metrics • Implement Subcontractor Prequalification Processes• Review and Advocate for Claims• Structure and Issue Bonds

As a Senior Living Operator, your commercial insurance, employee benefit plan, and risk management needs are unique. Our staff, seasoned with years of practice in your industry, equips us with understanding of the wants and needs of the senior living industry and the ability to develop solutions to meet these.

The AssuredPartners NL Senior Living group is a team of specialists in property and casualty, health/life benefits, clinical operations, and claims management. This team works with you to review every aspect of your insurance program to not only identify coverage enhancements but to also ensure your business interests are protected.

Our team will work with you to:• Identify areas of potential risk and recommend programs to minimize risk exposure• Evaluate Business Interruption coverage• Provide an online benefit store• Assess potential alternative risk opportunities• Evaluate regulatory, quality, and incident management processes*• Provide on-site and web-based risk management solutions*• Advocate on your behalf with carrier claims departments*

*Fee based services

AssuredPartners NL’ s real estate brand is more than just an insurance-placement vehicle. We are partners with, and an extension of, our clients’ risk management programs. We proactively focus on reducing your overall cost of risk by targeting broadened coverage, claims advocacy and loss-control areas that add value to your company and reduce your exposure to uninsured and underinsured losses.

In 2004, AssuredPartners NL launched its real estate brand as an industry specialization. Drawing on our existing competencies and client base, this platform has grown to represent more than 400,000 apartment units, 200,000 manufactured housing sites, 500 commercial properties and $50 billion in property values. We have a proven track record of success in controlling and reducing costs for real estate employers.

We succeed – and help our clients in real estate succeed – because of our disciplined, organized and tireless advocacy on their behalf. Our prominence in the industry is an asset when it comes to securing competitive prices and coverage, but it is the depth of our talent and expertise that ensures our clients enjoy high-priority status and total ongoing access to our extraordinary resources and capabilities.

Looking for a comprehensive plan to protect your manufactured housing business? Introducing the AssuredPartners NL Community Advantage Program (CAP) –– designed to help you optimize day-to-day operations while contributing to your bottom line.

Our manufactured housing experts are dedicated to protecting your assets with a superior mix of innovation and personal attention. We work to help you achieve a stronger, more efficient business––from legal reviews and cultural assessments to claims audits and thorough staff evaluations. Our team handles certificate management for your vendors, program structure and coverage recommendations.

We will work with you to adequately insure manufactured housing’s unique needs including:• Owned and non-owned home set-up costs

• Utility hook-up• Skirting• Permits• Decking• Stairways

• Outdoor Property• Fencing• Pavement• Underground Sewers• Piping• Trees – for all perils including wind, flood and earthquake

Protecting data is a key element of success for every business, but it can be challenging to keep up with ever-evolving technology. With personal, financial and private health information increasingly being stored electronically, cybersecurity risks are rising and become more difficult to manage. Fortunately, at AssuredPartners NL, we have cyber liability experts to help you navigate and manage your organization’s cyber risks.

Business owners are quickly realizing their standard business insurance policies are not protecting them against data breaches. A cyber liability policy will ensure that you are prepared and adequately insured to respond effectively. Whether the attack happens to you, where you need first party coverage, or to your client, where you need third party coverage, the AssuredPartners NL cyber liability team understands the complicated language used in cyber risk management. We are experts in accessing breach response insurance coverage plus providing expert advice on loss prevention.

Partnering with AssuredPartners NL gives you the resources of a large firm combined with the superior, personalized service of a local office. With a comprehensive array of first party and third party coverages, you will feel secure that we have you, and your data, covered.

Owners work hard to protect both their business and personal investments. Unfortunately, they still may be exposed to a disaster that can destroy those assets in a matter of minutes: flooding.

AssuredPartners NL has a dedicated Flood Unit whose sole focus is to research and underwrite flood risks throughout the country. This team of experts understands the complicated intricacies involved in securing flood insurance, compliance requirements and how to advocate to our clients’ benefit. Researching flood maps, helping clients obtain map amendments, understanding elevation certificates, and finding the best coverages for the best price is what makes the flood unit such a valuable asset to AssuredPartners NL. We work with the National Flood Insurance Program as well as several Private Non-NFIP markets in all 50 states to offer customized solutions that protect homes and businesses.

Whether you are in a high-risk or a low-risk area, AssuredPartners NL will help you protect your home and business from flooding caused by surface water from any source including, but not limited to, heavy rainfall, hurricanes and melting snow.

With the resources of a large firm combined with the superior, personalized service of a local office, you will feel secure that you have the right partner on your side with AssuredPartners NL.

Public entities are exposed to a wide range of risks so mitigating or eliminating those risk is crucial for safety and success. AssuredPartners NL specializes in comprehensive risk management solutions that proactively control and reduce your costs.

The AssuredPartners NL public entities team has over 100 years of collective experience protecting cities, towns, counties, waste water treatment facilities, public utilities, schools, housing authorities and numerous government subdivisions such as fiscal courts, police and fire departments. This experience ensures our clients they have the appropriate insurance programs that adequately protect their unique risks and alleviates gaps in coverage. Our specialists understand the budget process, how to work within the state rules that govern public entities and are successful at partnering with state entities to insure unique public safety risks, such as dams, levies, parks and reservoirs.

As a respected leader in this field, we have excellent relationships with underwriters and senior management for the public entity insurance carriers. This gives us access to a variety of plan designs and helps us secure the best pricing and coverage for our clients in all 50 states.

Whether you buy guaranteed cost insurance with a low deductible, or entertain large, self-insured retentions, you will feel secure that you have the right partner to protect your community with AssuredPartners NL.

Whether you operate towboats pushing barges of cargo up and down our inland river system or provide support services to those who do, AssuredPartners NL can tailor a comprehensive insurance program to fit your needs.

We assist towers, barge owners, fleeters, terminal operators, mid-stream fuelers, shipyards, harbor services and repair facilities in managing their risks and insuring their exposures at the most cost competitive means available. River marine insurance is not a one-size-fits-all product, as we manuscript operator specific endorsements to coverage forms to maximize the level of insurance protection available.

Since the river marine insurance marketplace is quite finite, knowing underwriters and cultivating those relationships is crucial to success. The AssuredPartners NL River Marine team is led by a licensed attorney with over 30 years in inland river-related operations. We have direct access to, and great relationships with, almost every river marine insurance carrier, which allows us to negotiate the most cost-effective and comprehensive insurance solutions for our clients.

With the resources of a large firm combined with the superior, personalized service of a local office, you will feel secure that you have the right partner on your side with AssuredPartners NL.

The transportation industry can be hazardous and extremely confusing, especially when trying to comply with all the rules and regulations. At AssuredPartners NL, we focus on those details so you can focus on the road.

Since the founding of our company in 1991, we have specialized in transportation and trucking insurance that goes above and beyond a piece of paper. Our agents are knowledgeable experts who provide tailored, comprehensive risk management solutions to over 200 trucking clients of all sizes. Not only are our clients covered in the event of an accident, but they also receive loss prevention services at no additional cost. These complimentary benefits provided by our in-house loss control specialists and in-house claims adjusters include driver training safety programs, quarterly claims reviews, quarterly mileage updates and experience modification for workers compensation.

Partnering with AssuredPartners NL gives you the resources of a large firm combined with the superior, personalized service of a local office. With a comprehensive array of coverages in all 50 states ranging from general liability to pollution insurance and even health insurance for owner/operators, you will feel secure that we have you covered.

Staying on top of an industry as dynamic as manufacturing requires commitment, experience and a solutions-

driven approach. From advanced technology to environmental concerns, you are constantly working to

efficiently deliver value and innovation while ensuring the safety of your workforce.

At AssuredPartners NL, we have a team of specialists dedicated to partnering with manufacturers to provide a

comprehensive, tailored program that not only protects your assets but serves as an extension of your risk

management team to prevent and mitigate losses, and minimize exposure. A few proactive services provided by

our experts include workers compensation cost containment, compliance, contract review, product flow

analysis, accounts receivable management, foreign currency exchange, long term planning and more.

As a respected leader in risk and insurance management, we provide manufacturers with the resources of a

large firm combined with the personalized service of a local office. With our industry experts and access to a

comprehensive array of coverages and value added services, you can be certain to minimize your total cost of

risk.

Whether it is rough lumber mills or secondary lumber operations, we provide expert analysis to build the right coverage based on your business plan. AssuredPartners NL partners with several companies that offer a wide range of insurance to match your needs for your workers’ compensation and property insurance portfolios. Wherever you are located in the south-central United States, the AssuredPartners NL lumber team is capable of providing truly personalized, face-to-face service.

AssuredPartners NL helps assess and control your insurance risks in the equine and livestock industry. Whether you train, race, breed, board or simply own livestock, our skilled advisors customize solutions to protect your personal and financial property – now and into the future. We’re motivated and passionate about the work that we do. And we’re dedicated to your long-term strength and success. When the stakes are high and the risks are real, we ensure total protection with the following comprehensive programs:

• Equine mortality – medical and/or surgical coverage

• Farm owners coverage

• Farm umbrella

• General liability

• Care custody and control

• Pleasure and show horse owners liability

• Carriage/wagon/trail/pony rides

• Riding club liability

• Farm auto insurance, including coverage for horse trailers

• Tack coverage