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ISSUE 29 | NOVEMBER 2016

Folks-

I hope that you enjoy this commemorative edition of our newsletter. Hollie and her team have done an outstanding job of capturing what an amazing success our celebratory cruise was. As you can see from the photos, it looks like we took full advantage of the ship and the excursions. All Risks folks were everywhere! If the photos are any indication, you had as much fun as I did.

The cruise brought together our far flung teams from around the country to celebrate two milestone events. The first was passing 50 years in business. That remarkable achievement sets us apart from most companies in America. More impressive is that over the years, as we have grown in size and scope, we have held true to our values. Any independent observer on the ship would say that we have managed to become a large company without feeling like one. Growth in our case hasn’t meant a watered down culture. Each one of us shares an affinity and a commitment to All Risks and to our coworkers that is pretty extraordinary. It was on display in the friendships that span offices and departments. This is a group that clearly likes being together!

The second milestone was exceeding one billion in premiums. It is hard to imagine that we passed that number and now sit at over one billion and a half. Our recipe is pretty simple.

Our growth rate continues to be driven by this formula. Each coworker plays a unique role in this equation. Every new growth record is a team win. The cruise was a great opportunity to celebrate what we have accomplished together.

Someone recently asked me what my favorite part of the cruise was. After a few minutes of thought, I realized that favorite part of the cruise was standing on the stage at the Orpheum Theater and looking out at the team we had assembled. The reason All Risks is a special and exceptional company was laid out before me. I was humbled by the bright, energetic, thoughtful, and kind people in that room who had hitched their wagons to All Risks. This is a special place because of the special people that make up the company. Thank you for all that you do each and every day.

- Nick

Please let us know your thoughts and suggestions.

newsletter@allrisks.com

“ This is a special place because of the special people

that make up the company. Thank you for all that you do

each and every day. ”

BY THE NUMBERS |2

SPOTLIGHT |3

ALL RISKS CRUISE |4

IN THIS EDITION

Special Cruise Edition

Bright, Talented, Accountable

People

Aggressive Pursuit of

Opportunities

A Trusting and Supportive Company

Results Others Simply Can’t

Fathom+ + =

ATTENDEES1,182 631

CABINS

CANCELLED FLIGHT LEAVING

11STRANDED

3 0 5DOLPHIN SWIMMERS

346BLUE LAGOONERS

262PRIVATE ISLANDERS

140

SNORKELERS

1GUESTWHOSE EMPLOYEE DID

NOT MAKE IT TO THE SHIP DUE TO A

CANCELLED FL IGHT (THE GUEST THOROUGHLY ENJOYED THE FREE TRIP!)

16SCUBA DIVERS

2016 CruiseBY THE NUMBERS

10 BROKER ANDUNDERWRITING AWARDS

5 SPIRIT AWARDS

Z E RALL RISKERS GOING OVERBOARD!

1DINOSAUR S IGHT ING

15PEOPLE CELEBRATING BIRTHDAYS

1(THANKS TO TROPICAL

STORM BONNIE)

MAY 27 – MAY 30

1ENGAGEMENT

(CONGRATS CAROL WELK!)

SPOTLIGHTSPOTLIGHT

2 | BY THE NUMBERS

SPOTLIGHT | 3

ATTENDEES1,182 631

CABINS

CANCELLED FLIGHT LEAVING

11STRANDED

3 0 5DOLPHIN SWIMMERS

346BLUE LAGOONERS

262PRIVATE ISLANDERS

140

SNORKELERS

1GUESTWHOSE EMPLOYEE DID

NOT MAKE IT TO THE SHIP DUE TO A

CANCELLED FL IGHT (THE GUEST THOROUGHLY ENJOYED THE FREE TRIP!)

16SCUBA DIVERS

2016 CruiseBY THE NUMBERS

10 BROKER ANDUNDERWRITING AWARDS

5 SPIRIT AWARDS

Z E RALL RISKERS GOING OVERBOARD!

1DINOSAUR S IGHT ING

15PEOPLE CELEBRATING BIRTHDAYS

1(THANKS TO TROPICAL

STORM BONNIE)

MAY 27 – MAY 30

1ENGAGEMENT

(CONGRATS CAROL WELK!)

SPOTLIGHTSPOTLIGHT

Celebrating Marcus Payne’s 80th

“ ”Happy Birthday, Marcus! Thanks for being a great mentor!

- MEGAN SMITH

“ ”Thank you for all that you have taught us!

- JAMIE GOLDEN

“ ”Thank you for being a great role model.

- BEN STEPHEN

“ ”

Thank you for all the sound advice, great stories and inspiration on how to do things the right way.

- ERIC QUINN

” Nobody does it better! Love you tons! Happy, Happy Birthday! - KARI LUTTRELL

“

“ ”

What a privilege it’s been to learn from and work with you. Thank you for all that you are!

- SHARON GALLAGHER

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Cruise

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DENVER’S LAST DITCH EFFORT

Liza Ranzit at Centennial Airport getting ready for a last ditch effort to make the cruise after Denver’s flight

was cancelled due to weather. We missed you, Denver!

ALL RISKS CRUISE | 5

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It has been my privilege to have worked with many of the All Risks staff in Hunt Valley, Alexandria, Wayne, York, & Princeton since the appointment of All Risks as one of our Western World agents. Each and every member of the staff has always been very professional and a pleasure to work with. Be safe, be well and enjoy your upcoming cruise; it is well deserved. - BRIDGET KENNEDY, WESTERN WORLD INSURANCE GROUP

“ ”

It’s a rare privilege to be a part of a culture not only that wants to do something like that, but is also able to execute it so well. To the teams involved, and everyone who had a hand in making this happen, thank you.

- JUSTIN TAYLOR, ALL RISKS, LTD.

“

”

In 35 years in the business, I can say without hesitation that All Risks has the best professionals in the industry. Much deserved.

- ROBERT TOLSMA, NATIONWIDE INSURANCE

“ ”

6 | ALL RISKS CRUISE

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CONGRATULATIONS!!! Have a great time with the whole ‘crew’ (could not resist). I can testify that the Self-Storage Program and the QuickIns people provide top shelf service ALL the time, and this will be a well-deserved, duly earned respite.

- REX WILLIAMS, GREAT SOUTHERN AGENCY

ALL RISKS CRUISE | 7

It was a fantastic experience… my first cruise ever! I got to meet a bunch of folks from our other offices, which was pretty cool. It’s amazing that we could all do this and that Nick and Matt made it happen for everyone. I’ve always been a big All Risks fan, but this really was over-the-top special for all of us.

- DIANNE JOHNSON, ALL RISKS, LTD. ”

“

“ ”

“ ”Proud to do business with a company who recognizes and rewards team efforts.

- CYNTHIA L. NEAL, NEAL’S INSURANCE SERVICES

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CONGRATULATIONS! Not many can say what you have accomplished.

- CHUCK SANTORO, SAN-DEL INSURANCE

Congratulations. Your growth is remarkable. You are really giving back to all your team members with this great trip. Have a wonderful time.

- BILL KRELL, KRELL INSURANCE

“ ”

8 | ALL RISKS CRUISE

”“ You guys have done one heck of a job. Congrats to all.

- BURTON SCOTT, ASSOCIATED AGENCIES

”“