city of fort collins, colorado

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City of Fort Collins, Colorado Response to Request for Proposal for 7561 Insurance Brokerage Services

Presented: November 5, 2013

Arthur J. Gallagher Risk Management Services, Inc.

6399 S. Fiddlers Green Circle, Ste 200 Greenwood Village, CO 80111

www.ajgrms.com

City of Fort Collins, Colorado


Table of Contents Page

Transmittal Letter .............................................................................................. 1

Response to Scope of Work ............................................................................... 2

Acknowledgement of Receipt of Addendum No. 1 and No. 2 to RFP ................ 2

Signed Submittal Section – RFP 7561 Insurance (See Exhibits) ....................... 2

Response to Submittal Section .......................................................................... 3

Conclusion ......................................................................................................... 45

Exhibits ............................................................................................................... 46

Signed Submittal Section – RFP 7561 Insurance as required

Gallagher Group of Companies

The Gallagher Way

Gallagher Mission, Shared Values, and Client Commitment Statements

Professional Profiles


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November 5, 2013 Mr. Gerry Paul Director of Purchasing & Risk Management City of Fort Collins, Colorado P.O. Box 580 Fort Collins, CO 80522 RE: Response to Request for Proposal for 7561 Insurance Mr. Paul: Arthur J. Gallagher Risk Management Services, Inc. (Gallagher) is pleased to present our response to the above Request for Proposal for brokerage and risk management services for the City of Fort Collins (City). Since becoming the City’s broker, we have enjoyed our growing relationships with the City Risk Management Team. During our tenure we have learned a great deal about the city and its exposures. Throughout our involvement with the City’s initiatives, we have fostered and developed a mission of 1) protecting the assets of the City; 2) reducing the City’s cost of risk and 3) increasing each other’s knowledge and awareness of various risk factors confronting the City. We believe Gallagher and the City have come a long way toward achieving this mission. When there have been losses, coverage has been afforded. As exposures have changed, policy language has been drafted to provide appropriate risk transfer. As new ventures have been undertaken by the City, we have assisted City Risk Management in analyzing and addressing these exposures. During our tenure we have enjoyed a very proactive relationship with the City. The services and resources we have utilized for the City stretches throughout the Gallagher network. Our involvement has allowed us to work with the City in identifying risks, developing approaches for risk transfer, risk financing and risk control. Gallagher is very interested in continuing our working relationship with the City and working with the City to achieve its dominant priorities and further its risk management endeavors. What differentiates us from our competition centers around the unique structure of our service team. Client needs dictate who we assign to an account and the services provided. This team approach is the fundamental difference between Gallagher and our competitors. Across the country, our clients tell us that our approach to delivering brokerage and consulting services has helped them be better informed, better prepared and more responsive to their constituents. It is high praise and something we work hard to protect every day. We confirm that we are in compliance with the requirements as identified on pages 4, 5 and 6, in the Scope of Work of the RFP. We have the qualifications and are fully capable of undertaking the services required. Following is our response to the RFP sections as required. Thank you for allowing us the opportunity to participate in this RFP process. Please let me know if you have any questions after your review of our proposal. Respectfully Submitted,

Karen L. Graham, CIC, CRM, ARM-P Area Executive Vice President


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Response to Scope of Work The Scope of Work required by the City continues to fit well within our current structure. We believe we have diligently performed the required services and we continue to have the qualifications and experience required.

We have the financial resources to ensure that all requested services are provided in a timely manner and in a professional way. We have standards that we follow to ensure we provide superior customer service to our clients. For over 30 years we have been working with public entities both large and small. Our clients include cities, counties, school districts, state governments, transit authorities and special districts. We also service large public entity risk pools. In our experience, we believe our value lies in an approach that keenly focuses on our client’s challenges, our client’s community, and our client’s individual needs. This is why we have been a premier leader in providing risk management services to public entities. We believe it is our responsibility to assist you in your efforts to focus on managing your risks. We are here to assist you in evaluating exposures, canvassing the marketplace and recommending improvements in support of the City’s risk management programs. Acknowledgement of Receipt of Addendums No. 1 and No. 2 This is to confirm Gallagher has received Addendums No. 1 and No. 2 to RFP BID 7561: Insurance Brokerage Services. Signed Submittal Section – RFP 75612 Insurance (as required) Included in the Exhibits is the signed Submittal Section as required. Jeff Kassal has the authority to sign on behalf of Arthur J. Gallagher Risk Management Services, Inc. His signature has been attested as noted. We do not have a corporate seal. Following is our response to each of the items as required in this section.


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Response to Submittal Section 1. Name of Company

Arthur J. Gallagher Risk Management Services, Inc. Parent Company: Arthur J. Gallagher & Co. 2. Provide the names and telephone numbers of at least five (5) references. Provide any previous and

current local government experience. These should include other public entity accounts. Identify the type of service provided for each reference and the length of time your firm has handled the account.

CITY OF BOULDER, CO

Mr. Stewart Ellenberg Risk Management Director (303) 441-3075 Contracted Services: Brokerage and consulting services in placement of Property, Equipment Breakdown, Fine Arts, Public Entity Liability (General Liability, Auto Liability, Public Officials Liability), Airport Liability, Crime, Bonds, Excess Workers’ Compensation and Specialty Programs. Length of Service: Client since 1986.

CITY OF BELLEVUE, WA

Ms. Joanne Nicolai Risk Manager (425) 425-2011 Contracted Services: Brokerage and consulting services in placement of Property, Equipment Breakdown, Fine Arts, Public Entity Liability (General Liability, Auto Liability, Public Officials Liability), Crime, Bonds, Excess Workers’ Compensation and Specialty Programs.

Length of Service: Client since 2006. CITY OF COLORADO SPRINGS, CO

Ms. Victoria McColm Risk Manager (719) 385-5669 Contracted Services: Brokerage and consulting services in placement of Property, Equipment Breakdown, Public Officials Liability, Crime, Bonds, Volunteer Accident, Miscellaneous E&O for specific departments, Pollution, Excess Workers’ Compensation and Specialty Programs. Length of Service: Client since 1989 (WC); other lines 2012.


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ADAMS COUNTY, CO

Mr. Charles DuScha Risk and Benefits Manager (720) 523-6076 Contracted Services: Brokerage and consulting services in placement of Property, Equipment Breakdown, Public Entity Liability (General Liability, Auto Liability, Public Officials Liability), Crime, Bonds, Excess Workers’ Compensation and Specialty Programs. Length of Service: Client since 1986.

LARIMER COUNTY, CO

Mr. Jeff Green Risk Manager (970) 498-5962 Contracted Services: Brokerage and consulting services in placement of Property, Equipment Breakdown, Public Entity Liability (General Liability, Auto Liability, Public Officials Liability), Crime, Bonds, Excess Workers’ Compensation and Specialty Programs. Length of Service: Client since 1987.

Additional References are available upon request. 3. Describe any special expertise your firm has in providing insurance brokerage services to a City or

other public entity. Does your company have any proprietary programs for governmental entities? How would the existence of such a program affect your firm’s objectivity in the marketing of the City’s insurance program?

All members of the Gallagher Service Team have extensive experience with large public entity risk management insurance programs. For over 30 years we have been working with public entities both large and small. Our clients include cities, counties, school districts, state governments, tribal governments, special districts and transit authorities. We also service large public entity risk pools. The Denver office focuses on industry and coverage practice groups such as Public Entity, Scholastic, Not-for-Profit, Higher Education, Aviation, Environmental, Healthcare, Construction, Real Estate and Hospitality which we believe is an advantage when providing risk management services to our clients. These core segments bring together highly skilled personnel who specialize in their areas of expertise, understanding relevant risk management and business issues faced by that particular industry. Several of our team members have been dedicated to the public entity sector for over 25 years. Our team members provide services to numerous public entities. Clients have selected us as their broker because of: 1) our personalized approach to consistent, quality client service designed to meet each of our clients’ unique needs; 2) our national resources; 3) our specialized expertise in the public entity and pooling sectors; 4) the long-term relationships we have cultivated with insurance and reinsurance providers experienced in this market segment; and 5) our delivery of consistent and competitive results.


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We understand public entity sector coverages, exposures, policy forms and the markets that specialize in these sectors. Our team is technically sound in all lines of coverage. We have proprietary programs for public entities including a property program, equipment breakdown program and two public entity package programs. These programs illustrate our expertise and dedication to the public sector. These proprietary programs do not influence our marketing strategy. We access the worldwide marketplace to structure programs for our clients with a complex program such as yours. We have many experts within our organization that we utilize to serve our public sector accounts such as: Aviation, Contractor/Owner Controlled Insurance Programs, Terrorism, Transportation, Cyber Liability, Environmental Liability, Bonds and Enterprise Risk Management. Gallagher Denver is also the program administrator for Fiduciary Liability for Governmental Risks through the National Conference of Public Employee Retirement Systems. This program is open to all governmental pension fund risks throughout the United States. We are a client-focused company and our goal is to present insurance and risk management programs that meet or exceed our clients’ needs. Public Entity Expertise – Local and National Gallagher’s dedication to the public sector is evidenced by our national Public Entity Division, which offers targeted expertise, resources and support for our clients. We have made a corporate commitment to the public sector. Our expanding client list, market relationships and staffing reflects this focus. This niche services more public entities than any other brokerage firm in the nation. All of the members of this niche focus on public entity clients. This group meets periodically to exchange ideas, discuss trends, seek advice from other experts, review carrier offerings and evaluate new insurance products. This approach ensures our client service teams have a deep understanding of public entities’ unique needs. Our team is committed to serving our clients and we are mindful of the trust that they have placed in us. Our professionals are specialists, not generalists and we encourage innovation at all levels of our organization. Over the years, we have established cross-divisional strengths. We have found this approach optimizes our value to clients in those areas and enables us to structure programs and services that best address their needs. The Denver office represents numerous public sector clients. Sixty percent (60%) of the business written by the Denver office is written by the Public Sector team. We are particularly strong in public entities serving among others: • City of Aurora, CO • City of Boulder, CO • City of Colorado Springs, CO • City of Fort Collins, CO • City of Littleton, CO • City of Thornton, CO • City of Avondale, AZ • City of Chandler, AZ • City of Portland, OR • City of Bellevue, WA • Adams County, CO • Boulder County, CO


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• Larimer County, CO • Pitkin County, CO • Weld County, CO • Maricopa County, AZ • Denver Water, CO • Roaring Fork Transportation Authority, CO • Denver International Airport, CO • Colorado Counties Casualty and Property Pool (54 members) • County Workers’ Compensation Pool (52 members) On a national basis, Gallagher is the broker for such public entities as City and County of San Francisco, CA; City of Chicago, IL; City of Fort Lauderdale, FL; City of Mesa, AZ; City of Miami, FL; City of Orlando, FL; City of Pittsburgh, PA; City of Plano, TX; City of Santa Fe, NM; City of Chattanooga, TN; City of Grand Rapids, MI; and City of Knoxville, TN. 4. What markets would you most likely approach, in order of preference, if chosen? DO NOT TIE UP

MARKETS AT THIS TIME. Please provide a prospectus and financial rating of these markets. Following is a representative list of markets that meet our financial criteria which we would like to utilize on behalf of the City. Each market selected has an excellent A.M. Best rating and specializes in providing services to public entities. We can access hundreds of insurance companies from our Denver office, either directly or through our affiliates. We believe market knowledge, access and precise evaluation are critical to the City’s risk management program. We are acutely aware that knowing which markets to access and having a strong relationship with those markets is crucial to the placement of successful insurance programs. Some insurance markets will only allow access through wholesalers. Wholesalers bring expertise and often specialize by carrier or product. Wholesalers can also serve as Managing General Agents (MGAs). The work done by wholesalers (if any) is additional work and they are compensated as such. Gallagher will attempt to disclose commissions received by non-owned wholesalers and will always disclose commissions or fees earned by Gallagher-owned wholesalers. Gallagher can access these markets through wholly owned wholesalers or intermediaries such as Risk Placement Services, Inc. (RPS) or through non-owned wholesalers such as AmWins, CRC or Swett and Crawford. Unlike most major brokers, we do not dictate the use of our own wholesalers as we access non-owned wholesalers whenever it is in the best interest of our clients. We have strong relationships and can use other wholesalers and intermediaries as desired by the City. In 2010, Gallagher conducted a RFP process for our use of non-owned wholesalers and intermediaries to limit the number of wholesale relationships, to complement our retail expertise and to predetermine who would comply with our criteria for full disclosure and transparency. We now have a list of approved wholesalers and intermediaries where we may place business. Gallagher does not own any insurance or reinsurance companies and we are able to access and utilize the worldwide insurance marketplace without any internal corporate restrictions or bias.


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Our long-term experience with governmental entities uniquely qualifies us to analyze and negotiate with domestic and international markets to obtain the broadest terms and conditions with the most competitive pricing structure for our clients. Our strategy is to negotiate the most cost-effective insurance programs for our clients by implementing a marketing strategy that brings domestic markets and/or surplus lines markets to the table while controlling costs. We are listing markets separately for the City and for Poudre Fire Authority City: Property

Carrier AM Best Rating Lexington (Incumbent) A XV

Affiliated FM A++ XV

AXIS A XV RSUI A XIII ACE A XV

OneBeacon A XI Travelers A XV

Chubb A++ XV

ACE Westchester A+XV

London/Lloyd’s A XV

Alterra A XV

Great American A XIII

Mobile Equipment/Auto Physical Damage

Carrier AM Best Rating Darwin National (Incumbent) A XV

OneBeacon (all carriers) including International Marine Underwriters X IV

Maxum A-VII Navigators A X

Alterra/Markel A XV Allianz/AGCS Marine A+ XV

Hartford A XV Hanover A XIV


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Equipment Breakdown

Carrier AM Best Rating Zurich (Incumbent) A XV

XL Insurance AXV Travelers A XV

Chubb A++ XV Hartford Steam Boiler A++X

Liberty Mutual A+ XV

Fine Arts

Carrier AM Best Rating ACE American A+ XV

Travelers A XV AXA Art Insurance Corp A VI

Chubb S++ XV Lloyds A XV

Public Entity Liability

Carrier AM Best Rating States Self Insurers RRG * (Incumbent) Not rated

AIG (including Lexington) A XV Starr Indemnity A XIV

Ironshore A-XIII OneBeacon A XV BRIT/Lloyds A XV Scottsdale A+ XV

Great American A XIII ACE A+XV

Munich A+ XV Genesis A++ XV

Alteris/ARGO A XII Travelers A+ XV

Safety National A XI

New York MAGIC A IX *We require the City sign off on the use of this carrier as it is not rated by AM Best.


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Excess Workers’ Compensation

Carrier AM Best Rating Midwest Employers (Incumbent) A+ XV

Safety National A+ XII Arch Insurance A+ XV

New York MAGIC A IX Crime

Carrier AM Best Rating Travelers (Incumbent) A+ XV

AIG A XV

Hiscox A XI

ACE A+ XV

Zurich A XV

Great American A XIII

Fiduciary Liability

Carrier AM Best Rating Alterra* (Incumbent) A XV

Travelers A+ XV

AIG A XV

ACE A+ XV

Chubb A++ XV

Hudson A+ XV * Program administered by Gallagher Denver and sponsored by National Conference Public Employee Retirement Systems


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Poudre Fire Authority: Package (including Property, GL, AL, POL)

Carrier AM Best Rating CO Special Districts Pool (Incumbent) N/A

VFIS Insurance Program (American Alternative) A+ XV

Emergency Services Insurance Program A Rated carrier

Philadelphia Insurance Co. Euclid/Scottsdale A+XV

OneBeacon A XV Utica National A- XI

Fiduciary Liability

Carrier AM Best Rating Travelers A+ XV

Alterra* (Incumbent) A XV

AIG A XV

ACE A+ XV

Chubb A++ XV

Hudson A+ XV * Program administered by Gallagher Denver and sponsored by National Conference Public Employee Retirement Systems Workers’ Compensation

Carrier AM Best Rating CO Special Districts Pool (Incumbent) N/A

Pinnacol Insurance * N/A *We require Poudre Fire Authority sign off on the use of this carrier as it is not rated by AM Best.


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5. Your qualifications to handle the City’s Insurance portfolio and capabilities for risk management

services. a. Describe your office, its history, and how it works with the national office (or offices), if

appropriate. Please identify all activities that are performed by the national office. b. Provide the names, qualifications, and location of each individual that would be assigned to the

City’s account. c. Provide information to us which indicates the financial status of your firm. d. Does your agency retain full-time employees engaged in specialty areas such as in-house claims

and loss control and safety services? Describe the services, level of availability and provide employees’ names with brief resume of their experience.

Following is an overview of our corporate office and our local office. Arthur J. Gallagher & Co. is a publicly traded company on the New York Stock Exchange and we invite you to visit our website at www.ajgrms.com. Financial Statements are provided on our website. Gallagher has over 13,000 employees worldwide and over $3 Billion in revenue. Nationwide, Gallagher represents over 7,500 public entities; 25 state governments; 13,000 K-12 schools (public and private); 125 public entity risk pools and over 600 colleges and universities (public and private). We are very proud of our Company’s unique culture which is eloquently expressed in “The Gallagher Way,” a document penned more than 25 years ago by the former Chairman of Gallagher (1926-1997), Robert Gallagher (a copy is provided in the Exhibits). It is a statement of principles and beliefs woven into the fabric of our Company. Arthur J. Gallagher Risk Management Services, Inc. is the Retail Brokerage Services Division of Arthur J. Gallagher & Co. Gallagher Denver is part of the Brokerage Service Division. Included in the Exhibits is an overview of the Gallagher Group of Companies. Gallagher has been in business for over 85 years and has provided insurance brokerage services to public entities since its earliest history. We believe our long-term relationship with the markets and the services we provide compliment and support the City’s risk management needs and supports the City’s strategic plans, goals and objectives. It is our goal to provide superior risk financing mechanisms and risk management services to the City while protecting the financial viability of the City. Brief History - Corporate Since its founding in 1927, Gallagher has been at the forefront of providing innovative programs for our public entity clients. In 1938, Gallagher designed the first retrospective rating program, which gave customers credit for holding down their losses, and in 1963 we broke new ground by forming the first non-workers' compensation self-insurance program. Gallagher went on to develop the first fronting company arrangement to provide needed proof of insurance. Gallagher’s experience with public entities dates back to the 1970’s in which Gallagher designed the first multi-line “protected self-insurance program” (a single policy providing both specific and aggregate protection) for public entities.

http://www.ajgrms.com/


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Today, Gallagher is one of the world’s largest insurance broker/consultants and risk management service providers. We offer a full range of retail and wholesale property, casualty and employee benefit products, services and alternative risk transfer mechanisms. Over the years, Gallagher’s commitment to understanding the needs of our clients has led us to develop Niche expertise in a broad array of disciplines, industries, service areas and lines of business. In 1996, our Niche initiative was established with Gallagher committing corporate resources to support local offices in the development of expertise and revenue growth (market share) in specific business sectors. This Niche expertise (Public Entity, Environmental, Healthcare, Construction, Hospitality, Aviation, etc.), is one of many powerful tools Gallagher brings to the broker-client partnership. Our people are specialists, not generalists. When one of our clients faces a challenge that requires an innovative response, we are positioned to draw upon the knowledge and resources of our Niches to develop a creative solution. Included in the Exhibits are our Mission, Shared Values and Client Commitment statements. These statements and shared values are the foundation of our company and our culture. Our team members adhere to rigid moral and ethical standards in all of our dealings as we look to the challenges of the future with confidence in our ability to create and maintain a Gallagher Team that is the very best at what we do. Gallagher’s Culture Gallagher’s rich heritage and culture have been cultivated over the past 85 years and our credentials in the creation and servicing of public sector businesses are unparalleled. Our commitment to put the client’s needs first, our legacy of integrity and our reputation for innovative expertise is what distinguishes us from our competition. Gallagher Denver Office History The Gallagher Denver office started “from scratch” in 1978 and has over 80 employees in property, casualty and employee benefit consulting services. The Denver office is staffed with over 45 risk management, claims and risk control professionals. The Denver office maintains a focus on the delivery of risk management and enterprise risk management to the sophisticated buyer. Many of our employees have been with Gallagher for over 20 years. Our client list and the strength of our team speak to the viability and strength of our Company. Client Services/Account Management Services The Denver office will be the hub for account coordination, marketing and administration of broker services for the City. The Public Entity team includes marketing, risk management, claims and risk control professionals many of whom have been with Gallagher for more than 25 years. Gallagher utilizes local, regional and national resources to provide risk control services to our clients. The assigned local Risk Control team draws upon the expertise of other risk control personnel within the Western Region and the Gallagher Risk Services nationwide network to provide the necessary loss control services needed by the City. We have included 30 hours of risk control services in our base cost proposal. Following is a list of the personnel who will be assigned to service the City’s account.


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We have structured a service team that will provide you with 1) a single point of contact for overall account responsibility and coordination, 2) direct access to a team of experienced industry professionals, 3) a team with the skill set and capability to exceed your service expectations and meet our stringent service standards and 4) a back up for principal team members. Karen L. Graham, CIC, CRM, ARM-P, Area Executive Vice President, Gallagher Public Sector (Denver, Colorado)

Karen Graham is the Team Leader for the City. In this capacity, Karen will be the point of contact and will coordinate Gallagher services and resources holding direct accountability for all team members. Karen will work with the City to establish goals and strategies, coordinate marketing activities and communicate on other relevant issues. Karen will attend client meetings, develop the annual service plan and manage the quality control process.

Karen manages the Denver Public Sector Group with over 30 years experience in providing risk management services to public entities. Her technical expertise, familiarity with alternative funding programs, solid market relationships and strong negotiating skills will ensure comprehensive, competitive insurance placements for the City. In our experience, it is the skill and capabilities of the individuals assigned to your service team that determines how well the team functions and the results they deliver. Monica W. Drummer, CIC, CRM, Account Executive, Gallagher Public Sector (Denver, Colorado)

Monica Drummer is the assigned Managing Account Executive and will be responsible for reviewing the City’s current coverages, conducting risk analyses and assist in designing alternative risk financing programs. Monica will be responsible for the day-to-day account administration including marketing, submission development, carrier negotiations and special projects for the City. Monica will work closely with the Unit Resource Manager to ensure the team meets the City’s Scope of Work requirements including preparation of work in progress reports, policy checking, etc. Monica has over 20 years of risk

management experience in public entity and higher education risks. Priscilla A. McCoy, CIC, CRM, Area Sr. Vice President, Gallagher Public Entity Practice Group (Denver, Colorado)

Priscilla McCoy is the backup Managing Account Executive and Unit Resource Manager. Priscilla will assist the team as needed. Priscilla will be available to assist the City in reviewing and establishing third party contract guidelines. Priscilla manages the technical operations for the Public Entity practice group and the day-to-day services of the Denver technical staff.

Priscilla has over 30 years experience as a Broker and Risk Manager in risk management services for real estate, public entity, scholastic, higher education and consortium/pooling arenas. Priscilla is also our Environmental resource and is a member of the Gallagher Environmental and Risk Insurance Practice Group.


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Jennifer S. Monteleone, Account Manager, Gallagher Public Sector (Denver, Colorado)

Jennifer Monteleone will be the assigned Account Manager and will assist the account team in marketing, policy maintenance, work on progress reports and special projects. Jennifer has experience with public entities, higher education and K-12 schools. Jennifer is our resident workers’ compensation specialist and assists the unit is analyzing workers’ compensation programs, experience modifications review and calculation, program reviews, dividend analyses and loss stratifications. Jennifer has over 7 years experience in account

management services. Tracy M. Paladino, CISR, CIC, Account Manager, Gallagher Public Sector (Denver, Colorado)

Tracy Paladino will be the backup Account Manager and will assist the account team, as needed. Tracy has over 12 years experience in account management services in public entities and consortiums/pools. Tracy also is the program manager of Gallagher’s National Tenant User Liability Insurance program (TULIP) and other National TULIP programs for Higher Education and Scholastic Sectors.

Anita H. Bruner, CISR, Account Representative, Gallagher Public Sector (Denver, Colorado)

Anita Bruner is the Account Representative who will assist the Account Managers in issuance and maintenance of certificates issued on behalf of our clients, the issuance and maintenance of individual flood policies and surety bonds. Anita will also assist in day-to-day policy maintenance including invoicing, processing policy endorsements and other account management functions.

Kendall Trump, CIC, ARM, Claim Consultant, Gallagher Risk Services (Denver, Colorado)

Kendall Trump will be your claim advocate and will work with your insurance carriers, third party administrators and assigned legal counsel in responding to serious claim issues. Kendall can consult on TPA selection; facilitate claim reporting to excess insurers; obtaining recoveries from insurance carriers; deploying and controlling insurance company adjusters; responding to reservation of rights letters; strategizing on claims/litigation management strategies and assuring prompt settlement of claims. Kendall brings unique perspectives working in the real estate, higher education and public entity sectors and is also bi-lingual.

Kendall has over 16 years of experience in claim adjusting for liability, property and workers’ compensation claims in 50 different jurisdictions.

Linda Pierce, J.D., Area Sr. Vice President, Regional Claim Advocacy Practice Group (Glendale, California)

Linda Pierce is our Western Region Claim Advocacy Manager and works with branch claim advocates on claims issues. Linda stays abreast of current liability trends and developments in coverage disputes. Linda assists clients with claims matters including strategic reporting evaluation of coverage position letters, advocating our client’s position with insurers, and in negotiation. Linda offers human resources risk management services to Gallagher clients including consulting and training on issues such as leaves of absence, hiring, firing, documentation and interaction with employees.


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Linda practiced law in California and represented clients in employment and business matters, including litigation in federal court and state court through trial and appeal. She counseled employers and business owners in ways to effectively reduce the risks of being sued. Her practice involved drafting policies, procedures and contracts. Ed Davis, CSP, ARM, Sr. Risk Control Consultant, Gallagher Risk Services (Denver, Colorado),

Ed provides risk control services and can marshal our Western Region and National Risk Control Service Teams. Ed will assist the team in strategic planning for risk management and safety; exposure identification and analysis; IIPP assessment and training. Ed is a Certified Safety Professional, Comprehensive Practice #14709, and is an instructor for OHSA Outreach 10 and 30 hour Construction courses. He previously was the Safety Director for the Associated General Contractors (AGC) of Colorado and AGC America Co-

chair for the National Chapter Safety Leadership committee from 2010-2012. Ed has over 20 years experience in human resources, claims, safety and risk management, employment practices evaluations, safety assessments and customized training programs. His expertise covers several industries such as General Industry, Public Entities, Oil and Gas, Construction, Education and Health Care. Claims Advocacy and Risk Control Services Gallagher utilizes local, regional and national resources to provide claim advocacy and risk control services to our clients. The assigned local Claim and Risk Control teams draw upon the expertise of other risk claims and risk control personnel within the Western Region and the Gallagher Risk Services nationwide network to provide the necessary claims and loss control services needed by the City. Claim Advocacy Services Providing claim advocacy services for our clients is a critical component of our core broker services. Acting as your advocate, our goal is to secure a consistent, favorable response to claims for our clients from insurers. Gallagher’s Claims Consultants are available to assist you in evaluating and resolving settlement disputes and are a resource in the event of catastrophic or unusual claims. Our claim advocates are high end, seasoned professional consultants that have many years of experience as insurance company claims adjusters, supervisors, managers and brokerage consultants in all lines of insurance. Our claim specialists have proven track records of reversing seemingly impossible situations and turning them into favorable ones for our clients. Our claim advocacy team can assist with claims questions as well as review reservation of rights letters, declination letters, indemnification requests and advocate for the City in negotiations with carriers during coverage debates. The local Claim Advocacy team will report claims for all lines of coverage as needed by the City. We will track progress of the claim from the initial report until the claim is closed. We advocate for the City to protect your interests throughout the process. Supplementing our local team, we use a regional approach to deliver claim services to our clients. Gallagher’s Western Region staff includes 15 claim advocates, four Property and Casualty attorneys and two Workers’ Compensation attorneys to assist us and our clients with claim analysis and advocacy. Our local, regional and national claim advocates have extensive experience in working with public entity clients.


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We will also provide the City a claims reporting kit. The claim kit will include details by line of coverage including policy number, deductibles, limits, key claims reporting provisions and carrier direct reporting information as well as the Gallagher Claims Consultant contact information. The Claim Consultant assigned to your account is available to meet in person with the Risk Management Department to assist with individual claims advocacy and for claim review meetings with the insurance carriers. We will also provide claims reporting information to Risk Management updated at each renewal and assist with any claims reporting as required. Risk Control Services Gallagher has a long history of providing risk control services and programs geared towards public entity clients. The Gallagher Risk Services Practice Group focuses on these client issues:

• Law Enforcement Risk Control – meth labs, policies and procedures, weapons training • Environmental Health & Safety Services • Playground Safety • Engineering Design Services • Industrial Hygiene and Environmental Assessment • Property Protection • Benchmarking • Workplace Violence • Fleet Safety • Training and Education Services – such topics as Hazard Recognition and Self-Inspections,

Violence Prevention and Loss Control, Ergonomics and Strain Injury Prevention, Security Assessment, Blood-borne Pathogens

• Return-To-Work Programs • Human Factors Analysis • Safety Evaluations • Specialized Risk Analysis – Chemical Safety, Accident Investigation, Confined Space Entry

Programs • Property Exposure Analysis – Research and Development Exposures, CAT Perils, Security

Systems, Construction Plans/Specification Review and Compliance, Disaster Plan Review, Regulatory Compliance Audits and Snow Loading

Risk Management Audits (additional fees apply) Helping the risk manager identify and manage risk is the role of Gallagher Risk Services. The Risk Management Audit is the foundation of an effective risk improvement program. Gallagher has public entity risk control staff that can conduct on-site interviews and surveys, meet with department heads to determine how effectively the existing risk management and risk control programs are identifying and treating your exposures to risk. This process includes a review of critical policies and procedures, including workplace safety policies, vehicle operation policies and employment practices policies. The on-site interview process will identify how department managers and supervisors are identifying exposures to risk, training their employees to conduct themselves to avoid or minimize risk and coaching their employees to adhere to departmental policies and procedures.


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Seminars In addition to the services noted above, our local office has also delivered seminars designed for public entities. Some of the seminar topics covered includes:

• Claims Strategies Webcast • FEMA: Developing and Maintaining Local Government Emergency Plans • Disaster Recovery Planning • Business Income Worksheets and Documenting a Business Income Loss • Third-Party Contract Guidelines with Emphasis on Construction • Taking the Mystery out of Equipment Breakdown Coverages • Surety Bonding • Cyber Risk Exposures

The Risk Control Consultant assigned to the City is located in the Denver office and is available to meet in person with the Risk Management Department as required by the City to identify safety and loss control program needs. We can assist with program development, training and materials, as well as coordinate and leverage loss prevention resources provided by insurance carriers. In addition, the Denver team will coordinate all insurance carrier loss control inspections and assist with reviewing loss prevention reports, and responses to recommendations from the insurance carrier. Industry Web-Training Resources (additional fees apply) Gallagher has multiple web training resources through our Risk Control Division. Training modules include accident investigation, fire prevention practices, determining root causes of accidents, defensive driving, blood borne pathogens, confined spaces programs, violence prevention and loss control and many others. Additionally, Gallagher Bassett Services, Inc, our sister company, also has web-based training programs via gbriskcontrol.com. This is a web-based platform designed to provide the tools needed to effectively manage and train your staff and volunteers, communicate important information related to safety and health, and enhance your overall risk management program. The platform can be designed for each institution to have their own website and supported by a “master site” to view the records of the individual institutions. The platform also includes bi-monthly bulletins on safety and health and employment practices liability topics as well as a search function to find specific information on these topics. Training topics include food handling, harassment, slip, trip, and fall, theatre safety, grounds and maintenance. Risk Management Information Systems (additional fees apply) Gallagher is pleased to be able to offer a solution for customers seeking to implement a Risk Management Information System (RMIS). We call it RiskPartner™. Recently Gallagher joined forces with TMA Systems, an Oklahoma-based facilities management software company, to create a best-of-breed RMIS that is designed to meet the ever changing needs of today’s risk manager. We believe RiskPartner is an ideal fit for your Risk Management Program over the long term as it will address all of the major areas of risk, including Exposure Data Management, Loss Control Tracking & Reporting, Incident Management, Policy Management and Claims Data Warehousing. This new Web-based system organizes all of your risk related information together in a fresh new way that creates unparalleled ease of use and information access. Though the system is new to the market, we’ve been able to avoid the usual challenges associated with new software by leveraging a proven platform from a related industry. The TMA facilities management platform is in active use in some of nation’s largest corporations and public entities.


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RiskPartner’s core value proposition is to assist clients by reducing the friction inherent in the risk management process to provide a 360 degree view of their enterprise. By offering a combination of experience and value, RiskPartner delivers a solution that meets the Risk Management professional’s need for a feature-rich product at a competitive price. Three integral components: 1) Exposures, 2) Claims and 3) Policies, are at the center of this solution. When combined, these elements work together to deliver a compelling 360 degree view of risk. We will be pleased to coordinate a complete demonstration of the product at a convenient time. 6. Please list the services that you can offer the City of Fort Collins and your approach to marketing and

servicing our account. Or, please provide a copy of your customary service plan for accounts similar to the City. We realize that the services may be customized based on the needs of a particular customer. We are interested in knowing what your firm sees as critical service features. Please tie your response into the expected services found under “Scope of Work” and further assist us by highlighting additional items and their perceived value to the City.

Below is list of broker services and additional services available to the City. Core Broker Services Our core broker services include:

• Review of City’s exposures • Provide recommendations to enhance the City’s risk management and insurance program. • Provide a marketing strategy outlining the strategy for renewal of the City’s insurance coverages. • Provide unbiased information regarding the most advantageous insurance markets from the

standpoint of cost, service, coverage and security. • Prepare a market analysis and forecast by insurance line prior to each renewal. This will include

market conditions, market trends, services from markets and the long-term direction of the market. • Prepare submission specifications for markets by line of coverage. • Assist the City in the preparation of materials, statements of values, specifications and underwriting

data required by insurers. This includes working with the City to gather the necessary information. • Day-to-Day account administration including issuance of binders and invoices; verifying the

accuracy and adequacy of all binders, policies, endorsements, invoices, claim loss runs and other insurance related documents prior to delivery to the City.

• Negotiate with underwriters for certain coverages and take responsibility for negotiation for other insurance coverages as directed by the City’s Risk Manager.

• Participate in risk management meetings to review performance against objectives as stated in the Broker Service Plan.

• Prepare a working summary of insurance including terms, conditions and endorsements. • Prepare certificates of insurance and endorsements as requested by the City. • Provide Claim Advocacy Services • Prepare ERM-6 filings to NCCI. • Obtain answers from underwriters to policy coverage questions as requested. • Prepare and submit special reports, loss analyses, etc. as requested including allocation of

premium and fees between your divisions or subsidiaries.


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• Review insurance requirements, assumption of liability clauses and other risk management issues

for certain contracts, leases and agreements as requested. Marketing Approach The Gallagher Team in collaboration with the City, will craft the optimum programs for the City by incorporating your financial objectives, ability to assume risk and contractual obligations with current market conditions and by offering creative alternative program options taking into consideration the Colorado Governmental Immunity Act as well other Colorado Statutes (i.e. Colorado Governmental Immunity Act, the Colorado Workers’ Compensation Act, the Colorado Auto Reparations Act and the Colorado Recreation Act among others.) As we specialize in public sector business, this specialization grants us a greater advantage because we are able to focus solely on public sector coverages, exposures, forms and markets. We normally begin the renewal process each year approximately 180 to 120 days in advance of the renewal date by meeting with the City Risk Management team to discuss current market conditions and to collaboratively develop a marketing strategy by line of coverage. Our pre-renewal meeting and Marketing Strategy document will focus on the following key items:

• Overview of market conditions by line of coverage • Present marketing expectations and strategy by line of coverage • Review of current program structure – limits, sublimits and deductibles • To the extent available, review historical rates, premiums, exposures and loss ratios • Discuss changes to program design • Identify markets, key carrier meetings and use of wholesale markets • Identify uninsured, insurables and other coverage considerations • Request underwriting information required by line of coverage • Establish mutually agreed upon timelines to include target dates for receipt of underwriting

information, submission to market, meetings with underwriters, receipt of quotes and presentation of final renewal proposal

• Schedule meetings with underwriters as appropriate Information needed to market coverage Gallagher has specific information it requests from our clients in marketing coverages. The information required will vary depending on the line of coverage. Following is a list of information we normally require when marketing insurance coverages for our public entity clients:

• Applications by Line of Coverage (Property, Equipment Breakdown, Public Entity Liability, Crime, Fiduciary, Excess Workers’ Compensation) including required exposure information. Carriers may require Supplemental Sexual Abuse and Sexual Harassment Applications

• Schedules (Property, EDP Equipment, Mobile Equipment, Automobile, etc.). Gallagher requests this information be provided in Excel format

• Copies of Appraisals, if any • Total Net Operating Expenditure Worksheet • Business Income / Extra Expense Worksheets


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• Financial Information (Budget and Audited Financial Statements) • Actuarial Report • Information on Risk Control Programs, Risk Management Protocols • Narrative Overview of City • Narrative Overview of the City’s Risk Management Department (including Claims and Safety) • Historical Exposure Information (autos, law enforcement, population, payroll) • Employee Concentration Worksheets (as required by Excess Workers’ Compensation carrier) • Detailed Claims History by Line of Coverage for at least 7 years. Some markets will request 10

years • Details of Claims in excess of $50,000 for the same time period noted above (7 or 10 years) • Third Party Administrator or Self Administration Questionnaire • Other Information as requested by Underwriters

Gallagher provides submissions to insurance markets which have the capability for achieving the renewal goals established during our marketing strategy meeting. The underwriting submission will be technical and meticulously detailed to provide the underwriters a clear picture of the City’s operations and insurance requirements. Specific areas of detail will include a description of all operations, all required underwriting data, details on loss prevention/mitigation efforts, specific and exacting information regarding policy terms and conditions, language, limits of liability and attachment points that we require and other pertinent information the team deems appropriate to assist underwriters in providing a program in line with the agreed goals.

If required, we will set up meetings with markets. We find the marketing process to be very effective when the client meets with underwriters. This gives the underwriters comfort they are being given full access to and disclosure from the client. We have found that the client’s representatives can provide insight to certain elements of the account that few brokers can offer. For example, specifics on the City’s philosophy regarding waiving governmental immunity provisions, safety and loss control, retention and training of human resources are best discussed by City personnel as you are in the best position to provide the underwriters with the answers they need to differentiate your risk and provide the best overall program. We will discuss with underwriters specific terms, conditions and premiums as well as discuss proposed policy forms and endorsements or requested amendments. During the marketing phase, our objective is to secure from underwriters indicative terms and conditions based upon pre-agreed policy wordings. Decision and Placement: Shortly before the renewal date, Gallagher and the City will determine which insurance company provides the combination of policy terms, conditions and premium that best meets each of the stated objectives identified in the marketing section. An analysis will be performed on every quote for each line of coverage. Once the decisions are made, Gallagher will secure coverage. Documentation and Administration: We will provide the City with documentation evidencing completed program, including binders, coverage summaries, copies of agreed/stamped policies, invoicing, claims procedures and other related materials required by the City. This process will continue throughout the policy administration cycle.


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Each year when we meet with the City, we will prepare an exposure review and identify areas that may require additional insurance to meet new or previously uncovered “uninsured insurables”. As these exposures are identified, we will work to endorse existing policies or place new coverage to meet these requirements. Following is an example of the process we follow to ensure the continued competitiveness of the risk financing alternatives developed for our clients. As your broker, we will review this process with you to be certain it meets your needs,.

Initiative Task Critical Date

Program Analysis Deductible/retention analysis Exposure/coverage analysis Review of alternative risk financing options Pre-renewal strategy plan document Prepare request for underwriting information Discussions with potential markets

180 days prior to Renewal

Pre-Renewal Meeting Review goals and objectives – what does client want to accomplish at renewal Discuss market conditions Define key renewal objectives by line of coverage Develop marketing plan Review marketing strategy including analysis of individual market’s financial

condition, experience and service capabilities Estimate timeline renewal goals Update on new exposures, changes in exposures, etc.

180 to 120 days prior to Renewal

Program Design Analyze existing program Consider new exposures, acquisitions and new partnerships Review existing policy contracts for adequacy of coverage; identify deficiencies or

gaps in coverage Review loss experience Develop program design – analyze alternative coverages and retention levels to

determine the most appropriate program structure and a program which meets your objectives


Market Selection Survey and evaluate potential markets Qualify the security of the insurer/reinsurer, ask questions regarding their financial

strength, claims paying ability, etc., begin preliminary discussions Identify those markets that match our client’s needs


Marketing Receipt of updated exposure information Preparation of underwriting specifications Review specifications with client Specifications to Underwriters Review quotes and specimen coverage documents Negotiations with markets to achieve the best possible terms, conditions and

pricing

Between 90 days and 60 Days prior to Renewal

Final Renewal Negotiations

Analyze and compare each alternative in scope of coverage, limits and retentions Preparation of proposal Presentation to client Arrange meetings with underwriters, if required Finalize terms and conditions Issue binders, invoices, etc.

60 Days to 30 days prior to Renewal


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Additional Services As financial risk transfer is part of the risk management process, we are able to deliver a full range of insurance and risk management products and services, including traditional and loss-sensitive coverages, captives, alternative risk solutions and financial products to our public entity clients. Since public entities are mandated to provide services, they must continually strive to reduce risks. Managing the risks of decision-making, including hiring, firing and discrimination and high profile exposures such as workplace violence and cyber crime are also critically important. Our approach focuses on collaborating with you to evaluate your risk environment, assess your needs on an ongoing basis and recommend improvements to help reduce the total cost of risk. That is just the first step. Stewardship is the key to a meaningful relationship. We maintain close contact with our clients to ensure that our service is exemplary. As market conditions change or your needs evolve, we will modify your program accordingly — or recommend an entirely different approach. Total Cost of Risk (TCOR) Analysis We can provide a TCOR Analysis for the City. Our most progressive public entity clients looking to measure the success of their risk management program are implementing this type of analysis. We have the ability and resources to assist the City in preparing its TCOR report. Our goal is to align our broker services with your mission, goals and objectives and to reduce the City’s TCOR. We believe you should always “Begin with the End in Mind” – redirect risk related expense dollars to other resources. We would recommend starting with your Workers’ Compensation and Liability exposures. If the City’s Mission is to shift from a traditional risk management program to a strategic approach that considers both the positive and negative implications of risk at all levels and if the City desires to move to an enterprise-wide view of risk management, a vital element to this process is fully understanding your TCOR. TCOR encompasses four areas of client costs:

Insurance Premiums Loss Costs (Direct and Indirect) Administration Costs Premium Taxes and Fees

Once you fully understand your TCOR, it then becomes a key building block in implementing Enterprise Risk Management (ERM) into your organization. As your broker, we believe our value truly lies in how we can mobilize our resources to assist the City in reducing its TCOR, not just broking insurance. Our goal is to provide the expertise and resources to the City to reduce Loss Costs, Indirect Loss Costs and Administrative Costs. We would like to discuss how our resources (internal and external) can be applied to assist the City in improving efficiencies, program administration and providing training to reduce costs. This includes pre-loss and post-loss services. We are truly committed and uniquely qualified to assist the City in reducing its costs and achieving its ultimate goal: an enterprise-wide view of risk management.


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Below are excerpts of a Workers’ Compensation TCOR presentation we prepared for a recent client. This process allows you to benchmark against yourself and to redirect loss cost dollars to resources that will further reduce the City’s TCOR. Risk management can be viewed as a “return on investment” for the City. Example – City WC Program Only

In this example, this indicates that the City must generate an extra $2.78 per $1,000 of revenue to cover its increased workers’ compensation costs. This is difficult in today’s environment. In addition, this analysis assisted the City’s risk manager in presentation to management that the City needed to institute additional safety and risk control measures to counter the increasing workers’ compensation costs. Contract Review We work with many of our clients to implement and update their insurance requirements for their standard contracts and for specific contracts as required. This is an area in which we excel.

Three years ago Two years ago Last year Past two Years2009 2010 2011

WC Premium $ 69,518 $ 66,170 $ 67,529 $ 133,699 Revenues 229,963,000$ 237,546,000$ 224,912,000$ $ 462,458,000 Expenditures 203,843,000$ 205,053,000$ 231,030,000$ $ 436,083,000 Losses $ 870,492 $ 898,392 $ 1,263,272 $ 2,161,664 Indirect Loss Costs 1,862,853$ 1,922,559$ 2,703,402$ $ 4,625,961 Total Cost of Risk 2,802,863$ 2,887,121$ 4,034,203$ 6,921,324$ TCOR Rate per $1k 12.19$ 12.15$ 17.94$ 14.97$

Difference in TCOR per $1,000 2.78$ TCOR Expense Increase 1,284,737$ Revenue needed to cover TCOR expenses 1,284,737$

Losses are trended and developed

Indirect Costs are 2.14 times Losses

Comparison Period


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We have developed and copyrighted a third party contract guideline manual that we will be happy to share with the City. The manual is a guide to transferring risk through contracts, guide to automobile and workers compensation exemptions, when to require professional liability, when to require pollution liability, discussion of insurance requirements for small business and sole proprietors, alternative risk financing and financial guarantees. It also provides information that can be downloaded and inserted into contracts for insurance requirements, limits, etc. Risk managers have found this manual to be extremely helpful when working with their contracting personnel. Contract Administration Services including analyzing current contract language with respect to insurance policy provisions, evaluating insurance requirements and indemnification agreements with contracting entities, evaluating tracking methods for maintaining contract insurance compliance, developing customized contracting compliance forms and insurance requirement checklists and revising contract insurance provisions tracking with insurance policy changes and amend compliance forms as needed. As an example, effective April 1, 2013 ISO issued new Additional Insured-Completed Operations CG 2037 endorsement which will impact the City when the City requests evidence of completed operations coverage on construction projects. This revised endorsement limits the liability of the additional insured (the City) to the limits of insurance as requested in the Contract. Therefore, the City should review its insurance requirements to make sure that it is asking for the appropriate limits to cover its interest in the event of a completed operations claim on a completed construction project. Benchmarking Because we specialize in public sector risk management consulting, we have the opportunity to continually use benchmarking to assist our clients. Typically, our benchmarking efforts focus on using qualitative or quantitative benchmarking to help our clients evaluate the strengths and weaknesses of both their programs and their results. Our quantitative benchmarking tools assist clients with understanding the key financial metrics that can measure the effectiveness of a risk management program. Our qualitative benchmarking tools help our clients understand the breadth and depth of activities that need to take place in order to achieve the results they desire. Gallagher has the ability to benchmark data for our clients using our own public entity client data to benchmark such factors as limits, SIRs, loss experience and coverage. Data used is only by permission of the client. What makes Gallagher’s benchmarking program more credible than others is we benchmark public entity clients against their peers – not against a multitude of other industries (such as manufacturers, hospitals, retail, trucking) that do not have the same exposures as our client. Gallagher National Tenant User Liability Insurance Program (TULIP) The City is currently enrolled in our National Tenant User Liability Insurance Program (TULIP) which is administered by the Denver Office. The TULIP is a web based Master General Liability Policy for Facilities/Venues covering special events. The TULIP allows the facility owner to manage their liability risk and the tenant user is relieved of the responsibility of obtaining insurance acceptable to the venue when they may not have their own commercial insurance program. The tenant user accesses the program via the internet, completes an application and pays by credit card. Upon completion of the transaction, the tenant user and the venue will receive a copy of the certificate. The cost is low to the tenant and the venue is named as an additional insured.


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Enterprise Risk Management (ERM) (additional fees apply) A new trend for public entities is to shift from a traditional risk management program to a strategic approach that considers both the positive and negative implications of risk at all levels. Risk managers are moving towards Enterprise-wide involvement in broader spectrum of risks (aka the New Risk Manager). The New Risk Manger must be a collaborator, negotiator, facilitator and communicator. It is important for Risk Managers to be more forward thinking when it comes to risk if they are going to survive in the 21st century. Many risk managers are looking into Enterprise Risk Management to assist them in how their organization reviews risks. ERM embraces a wider view of risk. The ERM framework enables management, working without silos, to collaboratively identify, assess, manage future risks and opportunities, individually and across the organization. ERM as a key part of the process is helping risk managers in determining where to allocate resources---doing more with less, which is a good reason for ERM to be at the forefront of the organization. A lot of ERM is allocating your resources appropriately on a risk basis. ERM provides a good framework for public entity risk managers to think broadly about the risks beyond insurable risk. Many public entities are addressing ERM by looking at the silos that exist in government and trying to build a bridge between the silos (departments). Risk managers are vital to partnering with those “silos” by building trust and introducing ERM into those departments by showing how they could save money by doing things differently --- risk management then is no longer looked at as an expense but as an opportunity. Environmental Expertise Our local team has environmental experts on staff (and members of Gallagher Environmental Risk and Insurance Division) and has experience working with public entities that have environmental exposures. We will review and provide appropriate risk control and financing mechanisms, including environmental insurance available to address these risks. Our experienced team can assist with contract reviews, design innovative and cost-effective environmental insurance solutions and provide claims and litigation support. Property Appraisal Services (additional fees apply) Gallagher’s appraisal services division has exclusive expertise in providing insurance appraisals for public buildings. Gallagher Bassett Appraisal Services provides clients with replacement cost and insurable values for their critical assets. Gallagher Bassett visits client’s facilities and conducts an in-depth survey of facility structures and contents. Upon completion, Gallagher Bassett inputs the data into a state-of-the-art, nationally recognized cost database. The final report includes photographs of the appraised buildings and Computer Assisted Drafting (CAD) drawings of each structure. Gallagher Bassett Appraisal Services is located in Itasca, Illinois. Risk Management Audits / Seminars (additional fees apply) We can provide a risk management audit to assist the City in reviewing its risk management programs and protocols. We also can provide training and seminars. We have performed many training seminars on Crime exposures, Cyber Risk, Contractual Risk Transfer, Emerging Risks and Special Events.


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Actuarial Services and Claims Analytics (additional fees apply) Gallagher has two actuarial arms, APEX Management Group, and ARTEX Analytics. APEX Management Group provides a full range of health & welfare and property/casualty actuarial support services. APEX is a division of Gallagher Benefit Services, Inc. APEX service platforms include actuarial services, audit practice, a data warehousing practice and a medical management practice. ARTEX Analytics provides a variety of risk analysis and claims advocacy services that are specifically designed to scrutinize risk, mitigate losses and increase the qualitative depth of a risk transfer program. ARTEX Analytics division is comprised of expert teams of actuarial, financial, claims and loss control practitioners that focus on the comprehensive evaluation of a client's specific risk circumstances to provide adapted solutions to complex risk questions. ARTEX Claims Analytics provides complete analysis and hands-on oversight of the client’s day to day claims operations. The ARTEX team provides a continuum of services, beginning with a detailed profiling and claims analysis to determine a client’s specific needs. The team identifies claim trends and irregularities to develop and employ proactive strategies to mitigate risk, reduce loss costs and achieve claim resolutions. This service is ideal for risk programs that do not have, or require assistance for, an internal risk management department. Non-Gallagher Loss Control Expertise (additional fees apply) The Gallagher organization, whether through Arthur J. Gallagher or Gallagher Bassett, is positioned to provide a full range of risk control services to the City. There may be special projects that the City undertakes for some of the specialty groups within its operations that may fall outside of the expertise of our organization. Special projects, such as Disaster Recovery, FEMA Consulting, Pandemic Planning for public entities, might require the use of outside consultants. The Gallagher organization has relationships with consulting groups who provide expert consulting for the full spectrum of loss exposures. Conferring with the client’s risk management staff, the vendor would be selected and the vendor consulting activities would be managed jointly by Gallagher and the City’s risk manager. Providing Services as outlined in the Scope of Work The Scope of Work required by the City fits well within our current structure. We have the financial resources to ensure that all requested services are provided in a timely manner and in a professional way. We have standards that we follow to ensure we provide superior customer service to our clients. For over 30 years we have been working with public entities both large and small. Our clients include cities, counties, school districts, state governments, special districts and transit authorities. We also service large public entity risk pools.


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We believe quality requires expertise and relevant experience. Since we have many city and county clients, we are very familiar with a myriad of exposures and risks inherent in cities and counties from water/sewer treatment facilities, utilities (electric, hydro), jail operations, fire department operations, law enforcement exposures, public transportation, parks and recreations exposures, libraries, museums, convention/event centers, child care centers, human services, theatres and arenas, fairgrounds, zoos, gardens, etc. We have established relationships with the various markets that specialize in insurance coverage to the public entity sector. We understand coverages and policy forms and have manuscripted several forms for use by various markets. We have extensive experience in marketing large, complex accounts. We currently have clients with property values ranging from $500 Million to $13 Billion. We also have many clients with casualty placements that range in premium from $1 Million to $50 Million. All services will be provided by the local Denver team by engaging directly with the City’s Risk Management team starting with the pre-renewal planning process and continuing throughout the year including policy delivery and providing day-to-day service. The team that places the coverage for the City is the same team that will provide services to the City throughout the year. This approach allows us to respond quickly to market conditions and underwriter questions as the team that markets the City’s’ coverage knows the City best. The team servicing the City’s insurance program must meet a rigid set of professional standards that ensure quality work. The Public Entity team is consistently complimented and recognized not only by our customers but also by underwriters and our corporate auditors as delivering excellent work products in a timely manner and meeting the highest customer service standards. We are able to attend all Risk Management meetings as required by the City and will respond promptly to all e-mail and phone call requests. Our Processes Account Program Management Upon being awarded an account (however, since we have been the City’s broker, this is an ongoing process), we will meet with the risk management team to establish objectives and timelines for marketing, claims, risk control, administrative services and any special projects. Our goal is to shape a flexible plan to address your ever-changing needs. If desired by the City, we agree to meet with the risk management team on a quarterly basis or semi-annual basis to review outstanding items, monitor existing programs and plans and discuss new products, changing market conditions and evolving risk management trends. Work in Progress Report We maintain a shared “Work in Progress” (WIP) report with our clients to keep all parties informed about the status of outstanding items. Action items can be added, deleted or amended at any time, with all parties aware of the status and project due dates.


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Workflow Tools We use electronic workflow tools (for marketing and renewal processes) and proposal generation e-tools. These systems build and complete our processes for us when we onboard the information into our systems. This onboarding allows our team members to concentrate on other client services such as contract reviews, policy reviews, negotiation and placement of insurance coverages and consulting on important issues that impact your operations. As part of our current services provided to our clients, we send policies, invoices, certificates of insurance and all other correspondence electronically. We also use a document management system for internal storage of correspondence and policies. In an effort to support sustainability, we encourage the use of audio, videoconferencing and webinars to reduce unnecessary travel. Electronic-Based Customer Services Processes Gallagher employees have access to a dynamic internal database that tracks current insurance and risk management issues and has numerous industry related materials. Many of these materials (such as white papers, risk management programs, benchmarking studies, newsletters and articles) are shared with our clients via e-mail blasts and webinars. Risk management webinar topics are also made available to our clients. Values, Customer Service Philosophy, and Professional Standards We are often asked “Why Gallagher?” We believe it is our dedication to the public sector at the highest levels within our organization, our values and our customer service philosophy are compelling reasons why many public entities select Gallagher as their broker of choice. At Gallagher, we live by our values: clients first, teamwork, collaboration, openness, passion, respect, excellence and being the very best at what we do. We are committed to the highest professional ethical standards. We execute customer service with a "no−surprises" philosophy and acknowledge that responsiveness is paramount to maintaining client confidence. Our goal is to provide consistently superior, cost-effective risk management products and services that meet the ever-changing needs of our clients, while continuing to strive for the highest professional excellence in the delivery of those products and services. Gallagher is an industry leader in client satisfaction, overall quality, knowledge, execution and service. We are an entrepreneurial, client-driven firm, well-respected by insurance carriers and possessing tremendous leverage in the insurance marketplace. Our insurance professionals build and maintain long-lasting, consistent, honest and mutually respectful relationships within the insurance marketplace – a key to meeting our clients’ needs. The following is an illustration of our standards of service and/or response timeframes. Within Gallagher, we believe the client defines quality. We adhere to documented, disciplined processes to measure and confirm that we consistently exceed client expectations. These service standards can be adjusted to meet your needs.


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TECHNICAL SERVICE STANDARDS * Within:

Return phone calls Same Day (or 24 hours)

Issue binders, invoices, and related documents

5 work days of effective date

Incorporate policy changes 3 work days of receipt

Issue certificates 24 hours of receipt or as needed

Process premium-bearing endorsements 5 work days of receipt from carrier

Process non premium-bearing endorsements

15 work days of receipt from carrier

Perform audits 5 work days of receipt from carrier

Check policies and deliver 60 work days of effective date The Gallagher account management team is required to meet these standards for each of our risk management accounts. These standards are the way we internally measure the service we provide to you. Our professional standards include the following:

• New (Lines)/Renewal Procedures – Meticulously outlines our standard activities for your insurance program’s submissions.

• Minimum Standards Requirements – Over 50 questions to address loss trends, state licensing requirements, use of approved intermediaries, policy wording and definitions, deductibles, drop down provisions over exhausted policy limits, valuation clauses, retroactive dates for claims-made forms, defense costs, etc.

• Standard Proposal Requirements – Ensures accuracy across 70 points including the A.M. Best's rating of carriers, presentation of coverages, coinsurance and claim-reporting requirements.

• Policy Checklist – Compares the policy with the proposal you accepted including accuracy of named insureds, premiums, coverages, limits, deductibles, schedules, classifications, surplus lines requirements, claims-made requirements, etc.

• File Audit – Confirms internal procedures have been followed, such as proper countersignatures, licensing, solvency requirements, policy setup, checklists, etc.

• Broker Service Plan/Marketing Plan – In collaboration with the client, a Broker Service Plan/Marketing Plan will be developed that outlines the major action items, marketing strategies and timelines.

7. Please explain how the functions of each team member will ensure continuity in the services to the

City. In an effort to best serve the City’s needs, we have purposefully designed a team with a Team Leader, a Primary Managing Account Executive, Backup Account Executive and Client Service members. This redundancy allows our team to continue to provide consistent service to our clients, to respond to changes in the market, vacation time and/or unforeseen departure of a team member.


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There are two reasons why we feel this is important to the City. First, in today’s world of specialization, not any single person can possess expertise across all lines of coverage. Second, if for any reason a primary team becomes incapacitated or cannot respond in a timely manner, the City will have other individuals with full knowledge of the account at the local level. Each team member will dedicate a sufficient amount of time to ensure that the City’s expectations are met and exceeded. The Account Team meets weekly to discuss the services and projects on the City’s account. Each team member will report on their respective functions. If resources need to be reallocated, the Unit Manager will allocate projects and/or services as needed among the primary and back up team members. The functions of the team members are outlined below:

TEAM MEMBER MAJOR RESPONSIBILITY MAJOR ACTIVITIES

TEAM LEADER / PRIMARY CONSULTANT

Overall responsibility for the effective performance of the Team assigned to your account

• Oversees Account Performance of Entire Team • Know your operations and objectives • Keep you advised of all of Gallagher’s services and

capabilities • Respond promptly to questions regarding insurance

coverage and related issues

• Anticipate and respond quickly to problems • Monitor the program using Client Service Plan to

ensure its continued responsiveness to your exposures

• Work with you to establish goals, strategies, marketing and renewal activities

• Communicate on special projects, work plans and other relevant management issues

• Attend client meetings; provide reports and presentations

• Ensure the quality of Gallagher resources; coordination of services

• Set timelines for marketing process • Prepare a market analysis and forecasts by line of

coverage, include information about pricing, service trends, market availability, long-term direction of markets


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ACCOUNT EXECUTIVES / MANAGEMENT SERVICES

Overall Responsibility for Exposure Assessment, Insurance Program Design and Marketing

• Risk Identification and evaluation of Exposures to Loss including trending and analysis

• Oversee the marketing of the insurance coverages • Review of complex contracts; assist with third

party contract guidelines • Participate in strategic risk management planning

sessions

• Communicate on special projects, work plans and other relevant management issues

• Attend client meetings as required; provide reports and presentations

• Establish and implement Client Service Plans

• Program Design, including analysis and design of policy wording

• Presentation of Proposals prior to insurance renewals

• Monitor program on a continual basis to ensure its responsiveness to the exposures

• Review policies before delivery to risk management

ACCOUNT MANAGERS / ACCOUNT ASSISTANTS

Responsible for the day-to-day account services and administration. Support the Account Executives and Team Leader

• Respond promptly to requests from clients • Monitor program on a continual basis to ensure its

responsiveness to your needs and exposures • Respond to your questions • Assist Account Executives preparing

submissions, underwriting schedules to insurers

• Assist Account Executives in marketing insurance coverages; Responsible for marketing ancillary lines of coverage

• Assist with Proposal preparation and presentation • Assist in negotiations with carriers

• Assist in preparation of materials, statement of values, specifications and underwriting data required by insurers

• Administer Tenant User Liability Insurance Programs (TULIP)

• Verify accuracy and adequacy of binders, policies, endorsements, invoices and other insurance related documents prior to delivery

• Create/maintain Current Summaries of Insurance for all coverages

• Insurance policy review and servicing, checking invoices, etc.

• ERM-6 Calculation and Filing


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CLAIMS ADVOCACY SERVICES

Assist in coordination of claims to meet your requirements

• Oversee property and casualty claim consulting, provide advice and support your claims processes and claims advocacy

• Coordinate with you on claims investigation when requested, and as necessary, conduct post-loss visits to assist in property claims preparation, salvage operations, temporary negotiations with claims adjusters

• Assist in reviewing claims handling practices and make “best practices” recommendations

• Collection of loss activity reports from carriers (will assist account management staff)

• Reporting claims to insurance carriers, if requested. Includes monitoring claims in the excess layers

• Assist in developing proof of loss or claim reports – including site visits as required

• Analyzing and interpreting claims data

• Attend claims meetings as required

RISK CONTROL SERVICES Coordinate loss control activities • Assist in the identification and evaluation of loss exposures as requested

• Review and consult on carrier loss control recommendations and in-house loss control activities

• Provide loss control support, as needed

• Attend risk control meetings, as required


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8. The proposal cost of the services outlined in this RFP. Is the cost all-inclusive, or do certain services

require additional fees? Please make it clear what your costs cover. The City of Fort Collins reserves the right to negotiate the scope of work and applicable costs with the selected vendor.

9. Considering the contract period of (five years or one year, with up to four (4) additional one-year

periods), please provide pricing for up to five (5) years. Responses should include pricing changes envisions based on contracts with other clients. When are fee reductions appropriate and when increases are indicated, how are service levels affected? A final point on broker compensation, fees or the equivalent in premium cost are not only a consideration, they are an important determinant for the City

We are responding questions 8 and 9 above under one section as follows: We are committed to providing the scope of services as stated for the Fee amounts shown below. Every year we evaluate the level of services provided to our clients. If we determine a Fee increase or reduction is warranted, we will discuss this openly with the City to establish a fair and equitable compensation for our services. At this time we do not anticipate amending our Fee pricing. An example of this is our extensive marketing efforts for Poudre Fire Authority’s 2012 and 2013 renewals when no increase in fee was requested. Our proposed compensation is on a fee basis except where noted below. The fee is calculated based on core brokerage services as required in the Scope of Work. Our fee is based on the services rendered, the amount of time involved and the level of professionals assigned to your account. We are acutely aware of the City’s service demands and feel our proposed fee adequately allows us to provide exemplary services to the City. For placement of additional policies not included in the Scope of Work, Gallagher would prefer to negotiate with the City on a case by case basis. We propose receiving commission on the following coverages or programs.

• Builders Risk Placements

• Placement of Surety Bonds

• Flood Policies placed through the National Flood Insurance Program (NFIP), if any. National Flood Insurance Program Policies must be written on a direct bill basis. The NFIP vendors will not allow agency bill on these programs. NFIP does not allow the policies to be written on a “net” basis.

• Placement of additional “non-contemplated” lines of coverages or services, such as the Liability placement on the Mason Street Corridor Project, Owner Controlled Insurance Programs (OCIPs), Cyber Risk, Environmental and unique specialty coverages/policies/bonds that may arise during the policy period will be negotiated with the City.


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Annual Brokerage Fees (flat fee basis):

Fee payable on an annual basis. Fee contemplates providing core broker services as discussed in this RFP; the marketing and administration of the insurance coverages currently in force.

Fee includes 30 hours of Risk Control Services. The Risk Control Services are not tied to any particular program and are designed to be flexible. This fee can be applied to other resources or services as specified below under Optional Services.

Claims Advocacy Services

Total Cost of Risk (TCOR) Analysis. Our most progressive public entity clients looking to measure the success of their risk management program and implementing this type of analysis.

Following is the five year fee schedule.

Year Fee Amount

2014 $58,000

2015 $60,900

2016 $63,950

2017 $67,150

2018 $70,510

Compensation Disclosure We will disclose all fees/commissions earned in our proposals (including wholesale commissions, when available) and, if desired, we will provide a disclosure worksheet annually. We invoice our brokerage fee separately from the insurance premiums. Should we receive any commissions on policies with carriers that are unable to quote net of commission, we offset our fee by the amount of commission received. In addition, if required, we will provide copies of all invoices received from insurance carriers, wholesalers or intermediaries. Clients can elect to “opt out” for Gallagher in receiving contingent or supplemental commissions. If the City opts in, we would fully disclose all commissions earned on your account.


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Optional Service Fees – available for additional fees Risk Control/Engineering Services beyond 30 hours $125 plus expenses OR Negotiated Fee based

on Scope of Work

Asbestos and Hazardous Materials Loss Control Consulting Services

$200 per hour plus expenses OR Negotiated Fee

Risk Management Audits Project Basis, Fee to be negotiated

Actuarial Services Project Basis – fee based on # of lines

Other Services such as Maximum Probable Loss (MPL) Analysis; Property Engineering Services/Inspections, etc.

Fee based on scope of project

Gallagher Catastrophe Modeling for Earthquake; MFL/PML study on Property Portfolio

$15,000

Gallagher Appraisal Services Project basis, based on current fee pricing

Cyber Risk Consulting $200 per hour plus expenses

Disaster Recovery and Business Continuity Planning Project basis

Enterprise Risk Management Consulting Risk Identification Workshop – $15,000 - $40,000 (depending on the size and complexity of organization)

Complex, full spectrum consulting contract that includes all steps in the risk management process – $50,000 - $150,000


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10. With information on the City’s program limit structure, coverage scope, claims and demographics,

please identify improvement opportunities based on best practices or market conditions. The opportunities the City is most interested in are: a. Coverage recommendations b. Premium goals c. Structure recommendations

As the City’s broker, we have worked diligently to provide the City with alternatives to its current programs. We always look for ways to navigate the market cycles and improve upon the insurance program for the City when possible depending on current market conditions. As we mentioned previously, in marketing your insurance programs, our primary goal is to achieve the broadest terms and conditions at the most competitive pricing available. As your broker, we believe we need to take a proactive approach in partnership with the City to design alternative risk financing structures that best meet your needs. Below are some comments with regard to the City’s program. Property/Inland Marine (Physical Damage on Vehicles and Mobile Equipment) Many carriers are now offering limits up to $500,000,000. Most of the larger markets can provide the $100,000,000 limit currently carried by the City. Flood Coverage

• The City’s Flood Limits are $10,000,000 for Non High Hazard Flood Zones and $5,000,000 for High Hazard Flood Zones.

• Superstorm Sandy had an affect on the property insurance markets especially with regard to flooding. Superstorm Sandy highlighted the importance of flood insurance issues, including the definition of flood versus water damage, the role of the National Flood Insurance Program and erosion of flood limits. We do not believe the Colorado Floods will have a big impact on the market from a premium standpoint.

• Markets are very concerned about the amount of high hazard flood limits currently written and are reexamining their capacity. We are seeing limit restrictions in high hazard flood as well as increases in deductibles for flood perils. Clients who have enjoyed substantial Flood Zone A limits may see restrictions and be required to enter into the Difference-In-Conditions marketplace to fill limits. This is proving to be a costly endeavor.

• On July 6, 2012 the Biggert-Waters Flood Insurance Reform Act was signed into law which among other provisions reauthorized the National Flood Insurance program (NFIP) for five (5) years through September 30, 2017. The revisions in this law will impact clients who currently purchase NFIP and for clients who are seeking to place flood coverage through the NFIP. Additional premium adjustments will be forthcoming for 2013 as well as 2014. Deductibles will also change. The federal government will no longer be subsidizing NFIP and NFIP is required to charge rates based on actuarial projections and not subsidized projections. It is anticipated the majority of premiums will double. Since the City purchases NFIP coverage for any locations within the Flood Zone A areas, the City can expect to receive substantial increases based on the Biggert-Waters Act. It is recommended the City review its Flood Zone A exposure including the purchase of insurance and be prepared to increase its budget to cover insurance premiums related to Flood perils.


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As your broker, we will:

• Present and discuss our expected best, most likely and worst case renewal scenarios (pricing, deductibles, coverage and sublimits) based on current market conditions (available Insurer capacity and risk appetite specific to your program) factoring in your exposure to loss, loss history and current program coverage and deductibles.

• Examine your Normal Expected Loss (NOE) potentials, improving our ability to recommend policy coverage and limits.

• Attempt to maintain broad coverage with minimal rate increases. This will all be dependent on market conditions and the City’s loss experience.

• Increase the Per Occurrence Limit and other sublimits to ensure the City’s property limits are adequate to cover its exposures. If certain coverages are not included in the property policy, we will negotiate to have these coverages included. Explore an Aggregate Deductible to cap the City’s property losses.

• Explore writing Terrorism on a stand-alone basis. Terrorism coverage may only be necessary on specific locations and not on the entire property schedule.

• For the Replacement Cost Physical Damage coverage for Vehicles and Mobile Equipment, we will review the limits to verify the limits adequately cover the City’s exposure.

Equipment Breakdown (Boiler and Machinery) The City’s coverage is currently written through Zurich through our exclusive Equipment Breakdown program. Our exclusive programs have limits up to $100,000,000 for Property Damage, higher sublimits, and expanded coverages designed for public entities. We will:


• Look to increase the overall Property Damage limit to $100,000,000. • Market the coverage to our other exclusive Equipment Breakdown carriers to obtain higher limits

and enhanced coverages. • Explore including the equipment breakdown with the Property carrier instead of writing on a stand-

alone basis. Crime Coverages The Crime policy for governmental entities is very broad and is normally written separately and not combined with the property or liability coverages. During the last several months we have seen a dramatic increase in employee dishonesty claims for public entities. The claim amounts are not small. We believe this is a result of current economic conditions.


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We will:


• Obtain quotes for higher limits (up to $5,000,000) for consideration by the City. • Review current coverages with City exposures/operations to ensure there are no gaps in coverage.

Public Entity Liability The beauty of public entity liability programs is that all liability coverages are combined into one program without having to separately insure each line of coverage (i.e. General Liability, Auto Liability, Public Officials Liability and Employment Practices Liability). This is especially true for those risks that have a self-insured retention and not a first-dollar program. We have structured many different programs to match the needs of our clients. For example, some clients self-insure their auto and general liability coverages (because of immunity caps) and request Gallagher to place their professional lines on a separate public entity liability program combining all professional lines. Separate limits are requested for each line of coverage or one limit is requested to insure all coverages. The City’s current coverage is written on a Public Entity Liability policy combining General Liability, Auto Liability, Law Enforcement Liability, and Public Officials Liability (including Employment Practices Liability). We will make sure the program contains the broadest coverage terms available in today’s market. We will:

• Present and discuss our expected best, most likely and worst case renewal scenarios (pricing, deductibles, coverage and sublimits) based on current market conditions (available Insurer capacity and risk appetite specific to your program) factoring in your exposure to loss, loss history, and current program coverage and deductibles.

• Attempt to maintain the rates for this line of coverage. This will all be dependent on market conditions.

• Review coverage grants, limits and aggregates. • Review defense provisions. • Provide higher limits for consideration by the City. • Provide SIR options for consideration by the City. For example, we may contemplate the insertion

of a corridor aggregate deductible in excess of your normal retention. In concept, it gives underwriters an added buffer from a single shock loss or multiple losses excess of SIR, up to a specified limit. From your standpoint, it provides potential premium savings, while limiting your increased exposures to a known amount. We use this structure effectively with large accounts that have the appetite for additional risk, the financial capacity to absorb greater loss, and especially, provide sufficient premium savings to assume the added risk.

• Provide Aggregate Deductible Option (Loss Fund), if available. This is similar to a corridor deductible option; however, this truly caps your exposure. The uniqueness of the program addresses your true cost of risk as opposed to the price of your insurance policy. The program incorporates the concept of protected self-insurance, with broad coverages, coordinated claims and risk control activities; timely management reports; significant cash flow advantages; and reduced insurance costs.


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The City retains and handles the manageable, predictable risk within its operations and transfers the catastrophic risk. Excess insurance is placed with specific and excess loss fund features so the City knows its maximum cost in the program. Below is a diagram of this type of structure:

Key Concepts:

• The Loss Fund is generally 40%-60% of your conventional insurance expenses. • The City knows with a high confidence level what it should budget for premiums and to fund future

liabilities. • The Loss Fund dollars earn income until claims are paid.

Following are examples of optional structures that we would propose for the Public Entity Liability:

Insurance Limit $10,000,000

Insurance Limit - $2,000,000

Excess Loss Fund Insurance

Insurance purchased to protect the City if losses

exceed the loss fund limit

Specific Excess Insurance

Insurance purchased to protect the City against a

single large loss occurrence

Loss Fund Amount - $2,000,000

Loss Fund

The total amount of losses that the City retains in any

given year SIR amount $500,000 or $1,000,000

Self-insured Retention


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Public Entity Liability (GL/AL/POL) - No Corridor Deductible Public Entity Liability (GL/AL/POL) - Corridor Deductible or Aggregate Deductible

Excess Liability

1st Layer $5,000,000 Limit

(GL/AL/POL)

2nd Layer Excess Liability

$10,000,000 Limit excess of $5,000,000 (GL/AL/POL)

SIR / Retention - $250,000 or $500,000

Corridor Deductible (Aggregate) - $250,000

1st Layer $5,000,000 Limit

(GL/AL/POL)

2nd Layer Excess Liability

$10,000,000 Limit excess of $5,000,000 (GL/AL/POL)

SIR / Retention - $250,000 or $500,000

Corridor Deductible (Aggregate) - $250,000


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Excess Worker’s Compensation We have a strong background in providing alternative risk financing programs, working with risk managers to determine their comfort level on SIRs, claims management, and loss control. We have found in working with our clients if a strong focus and commitment to loss control is evident they will have a successful program, which in turn can reduce their ultimate net costs. Excess Workers’ Compensation continues to see fluctuations in Self Insured Retention levels and limit capacity. The Excess Workers’ Compensation market is continuing its trend of increasing rates (thus premiums) and Self Insured Retentions because of the continued double digit medical inflation costs and low return on investments. Markets are now requiring minimum Self Insured Retentions of $500,000 except $750,000 for police and fire. In addition, some carriers have increased their minimum premium thresholds to $100,000. We do not anticipate a rate decrease for this line of coverage. As your broker, we will:


• Attempt to maintain current rates and SIR conditions. • Review coverage grants, limits, and aggregates. • Provide SIR options for consideration by the City. We will analyze the insertion of a corridor

aggregate deductible in excess of your normal retention. We have successfully used this structure on several large accounts that wanted to take a higher retention but did not have the full capacity to assume additional risk because of budget constraints.

Poudre Fire Authority – Package (Property, Liability, Crime) and Workers’ Compensation Poudre Fire Authority’s Package and Workers’ Compensation coverages are currently written through the Colorado Special Districts Association. This program is competitively priced, especially the Workers’ Compensation coverage. We believe this is the best market solution for Poudre Fire Authority at this time. Other Considerations There are other coverage considerations to explore with the City. These include but are not limited to: Network Security and Privacy Liability

• Today, it’s conceivably not a matter of “if” a public entity will experience a cyber-attack or a data breach, it is more a question of “when” and how costly and embarrassing it will prove to be.

• Public Entities have extensive information technology exposures and face significant risk. Some public entities are utilizing “cloud” technology which brings additional opportunity for cyber attacks. Laws, regulations and breaches are onerous and many of our clients are paying attention to their cyber exposure.

• Identify theft is one of the fastest growing crimes and various privacy regulations may require the City to protect sensitive data no matter where it resides: on a network, on standalone systems such as tax collection, billing or remote devices such as laptops and on paper.


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• While Colorado public entities are not required to comply with Colorado privacy notifications, we are

seeing many public entities purchasing Network Security and Privacy Liability to comply on a voluntary basis with federal and other state’s regulations. Our public entity clients are purchasing this coverage for three reasons: 1) the cost of defending a class action lawsuit, 2) the cost of first party liability exposures such as notification costs, credit monitoring costs, forensic investigation costs, regulatory defense expenses, business interruption and cyber extortion, 3) compliance rules based on where the individual currently resides and 4) reputation.

• With ongoing budget constraints and if a privacy breach occurred, having to absorb the costs could have a substantial impact on the City’s finances. The City may want to look into purchasing a cyber risk policies to fill the gaps. We would work with the City to provide a Network Security and Liability program for consideration.

Environmental/Pollution covering City owned facilities. Gallagher has a special Public Entity Pollution Program available through ACE. This does not limit our ability to provide a program through other carriers for consideration.

Stand Alone Terrorism for Property and Liability. The current Terrorism Risk Insurance Program Reauthorization Act of 2007 (TRIPRA) is scheduled to expire in December 2014. Historically Congress has managed to extend the Act at each expiration date but not without considerable amounts of last minute negotiating. Because of Congress’ failure to act quickly and to renew the act prior to January 1, 2014, many carriers have indicated effective January 1, 2014 they will not be continuing to offer terrorism unless the U.S. extends TRIPRA now and not wait until December 2014. If TRIPRA is not extended, accounts that do not currently purchase stand alone terrorism policies, may find capacity severely limited and expensive or not available at all at the time they need it. We recommend the City consider a stand-alone product at its 5/1/2013 renewal date in case TRIPRA is not renewed and coverage is not available as it is doubtful that Congress will respond quickly to renewing TRIPRA. Emerging Risks In our experience, we are seeing several emerging risks affecting public entities:

• Critical Incident Response/Crisis Management • Business Continuity • Network Security • Reputational Risk • Rising Workers’ Compensation costs • Funding/Staffing Issues • Employment related issues including aging workforce, and • The perception of risk management for the future (the new Risk Manager)

Following are comments on a few of these items. Employment Related Practices A continuing trend is the increase in frequency and severity in employment-related claims/suits. Most claims are filed in Federal Court in which state immunity protections cannot be utilized. In the current economy with layoffs including highly compensated workers, the rise in employment claims is not unusual. With the cost of defense and indemnity, this places a strain on public entity finances as it is hard to budget for these claims.


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The New Risk Manager (Enterprise Risk Management) A new trend for public entities is to shift from a traditional risk management program to a strategic approach that considers both the positive and negative implications of risk at all levels. Risk managers are moving towards Enterprise-wide involvement in broader spectrum of risks (aka the New Risk Manager). The New Risk Manger must be a collaborator, negotiator, facilitator and communicator. It is important for Risk Managers to be more forward thinking when it comes to risk if they are going to survive in the 21st century. Many risk managers are looking into Enterprise Risk Management to assist them in how their organization reviews risks. ERM embraces a wider view of risk. The ERM framework enables management, working without silos, to collaboratively identify, assess, manage future risks and opportunities, individually and across the organization. ERM as a key part of the process is helping risk managers in determining where to allocate resources---doing more with less, which is a good reason for ERM to be at the forefront of the organization. A lot of ERM is allocating your resources appropriately on a risk basis. ERM gives a good framework for public entity risk managers to think broadly about the risks beyond insurable risk. Many public entities are addressing ERM by looking at the silos that exist in government and trying to build a bridge between the silos (departments). Risk managers are vital to partnering with those “silos” by building trust and getting ERM into those departments by showing how they could save money by doing things differently --- risk management then is no longer looked at as an expense but as an opportunity. 11. List what your firm believes to be the three most important responsibilities of a broker/agent and give a

very brief example of how you have fulfilled these three responsibilities to one client. Also, please give reference information for this client.

We believe the three most important responsibilities of a broker/agent are to develop and foster a mission of:

• Protecting the assets of our client; • Reducing our client’s cost of risk by assisting our client in determining what are important issues to

avoid, mitigate or transfer risk, and • Identifying emerging issues and trends, bringing them to our client’s attention relative to their

exposures and operations and establishing action plans to eliminate or minimize exposures to loss. The above items are critical to the success of the City’s risk management program.

Examples We had just been appointed broker for a school district in Colorado and started the renewal process on the District’s property. During marketing, the District suffered a fire loss (in excess of $3,000,000) driving its loss ratio with its current carrier to over 1,000% for the current year and 313% over a five year period. Prior to our appointment as broker, the District had suffered two fire losses totaling $6,500,000. After the third loss, the District’s current property carrier decided not to offer a renewal quote. Fortunately, Gallagher and the client had decided on a full marketing campaign and were in the market. However, the District’s losses were going to impact the District’s renewal premium and deductible. We knew we were looking at a very large increase in their premium. We anticipated the property premium would be around $1,900,000 with a $500,000 Deductible.


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Part of our strategy was to meet with the markets face to face and have the District present its risk management and safety programs. The District prepared a comprehensive PowerPoint presentation that presented the District’s operations. This was extremely important as the carriers were allowed to ask questions about the District’s risks. During negotiations, we had to layer the program to achieve limits. We negotiated a $250,000 Fire Deductible with a $100,000 Deductible on all other perils. The premium was approximately $1,200,000 (The expiring premium was approximately $642,000). On subsequent renewals we have been able to 1) reduce the fire deductible to $100,000 2) broaden limits and coverages, and 3) stabilized the premium. During the last two years, we worked with the District on bringing its TIV up to the required replacement cost valuations as required by the carriers. The District’s TIV increased from $1.7 Billion to $2.6 Billion. Client: Jefferson County School District Joel Hirschboeck, ARM Director, Risk Management 303.982.2439 Following is an example of our consulting services for the City of Fort Collins:

Our office provided assistance in evaluating and planning for an emerging risk facing the City – The Mason Street Corridor. We began working with the City’s Risk Manager in 2010 by reviewing the Casualty coverage through States Risk Retention Group and the Railroad’s onerous contract requirements for the construction project and on-going operations. Our collaborative review with Risk Management determined the Railroad would require the City to purchase $50 Million in dedicated limits for this project. Specific Rail and Excess Casualty markets were approached and premium indications were provided for those additional limits to assist the City in its due diligence efforts to determine the financial feasibility of this opportunity. We also provided indications on the premium impact to the Property insurance program following final delivery of the rail cars. As the City moves forward with this project, we are well positioned to place the necessary coverage required when construction and post construction operations begin. 12. Please summarize why you believe that you and your organization are the best party to represent the

City in the marketplace and how you approach to client services and program is unique. This is a good question. As we have been the City’s risk management insurance services broker for many years, we believe we are still the best party to represent the City in the marketplace. Not only are we familiar with the City’s operations, we have forged a long-term partnership with the City, its risk management department, and its insurers. We believe this long-term relationship is of value to the City, especially during soft and hard market conditions, and the handling of complex and difficult claims. We are often asked “Why Gallagher?” Our response is simple. We believe:

• It is our client-focused culture as we are committed to doing what is best for clients. • We strive to earn our clients’ trust – we are a trusted Business Advisor. • We have pride in our organization and the service we deliver. • We view our clients as partners. • We are relationship-focused. • We are committed to the highest professional and ethical standards.


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Our Denver office has been providing risk management consulting and insurance broker services to public entities since the 1970’s. Several of our team members have been dedicated to the public entity sector for over 20 years. Our team members provide services to many public entities such as City of Aurora (CO), City of Boulder (CO), City of Colorado Springs (CO), City of Fort Collins (CO), City of Thornton (CO), City of Littleton (CO), City and County of Denver (CO), Denver Water (CO), Roaring Fork Transportation Authority (CO), City of Chandler (AZ) City of Portland (OR), City of Bellevue (WA), Adams County (CO), Larimer County (CO), Pitkin County (CO), Weld County (CO), Maricopa County (AZ), State of Arizona, State of Alaska, Colorado Counties Casualty and Property Pool and Colorado County Workers’ Compensation Pool. We also represent special districts, public colleges, universities, K-12 school districts and school districts risk pools. These clients have selected us as their broker because of: 1) our personalized approach to consistent, quality client service designed to meet each of our clients’ unique needs; 2) our national resources; 3) our specialized expertise in the public entity and pooling sectors; 4) the long-term relationships we have cultivated with insurance and reinsurance providers experienced in this market segment; and 5) our delivery of consistent and competitive results. As demonstrated by our current client base, we are very familiar with multi-purpose government entities, which have a multitude of exposures such as landfill operations, law enforcement operations, museums, jails, recreation centers, reservoirs/dams, road and bridge operations, recreation areas, reservoirs and other unique exposures such as zoos, hydro plants, wastewater facilities, gas and electric utilities. Many of our public entity clients have large special event venues which pose their own unique exposures. Our public sector experience provides value to the city because our involvement with these venues is viewed from the public entity’s perspective. Our team brings these essential skill sets to the task at hand:

• A company and service team that is easy to work with and sensitive to your service and communication needs. We recognize that all clients are different and no one service approach works for everyone. We will build our team, establish service standards and structure our broker contract to reflect your service and communication expectations.

• As your advocate, Gallagher will assist you in evaluating insurance coverage, developing strategies, designing and procuring or assisting the City in procuring thoughtfully structured insurance policies at premiums that reflect the merits of the risk for the benefit of the City.

• Strong established relationships with key markets that are keen to support the City and the Gallagher account team in meeting your insurance and risk management needs.

• The support of an established Public Entity Practice Group that keeps clients informed on issues impacting the public sector. Your team will have direct access to experienced public entity consultants with hands-on public entity industry experience to assist you in responding to the myriad risks and coverage concerns of your constituents.

• Access to other Gallagher Practice Groups that closely align with the City’s exposures. The City has our continued commitment to align our services with your dominant priorities in efforts to help you achieve your risk management objectives.


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Conclusion In concluding our response, we would value the opportunity to continue working with the City of Fort Collins. Our services compliment and support the City’s strategic mission, goals and objectives to provide superior brokerage and risk management services while protecting the financial viability of the City. Our significant public entity experience combined with the strength and commitment of our national resources is unmatched in the industry. We would be honored to continue as the City’s broker/consultant to further its goals and objectives.


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Exhibits

Signed Submittal Section – RFP 7561 Insurance as required


The Gallagher Way

Gallagher Mission, Shared Values, and Client Commitment Statements

Professional Profiles


AJG’s Subsidiaries Aside from our largest group, the Brokerage Services Retail Division, Arthur J. Gallagher & Co. delivers our services through the following subsidiaries:

Arthur J. Gallagher (UK) Limited – directly accesses Lloyd’s and other London and international insurance and reinsurance markets across all non-marine, marine and aviation classes.

Gallagher Captive Services – specializes in the design and development of single-parent and group captives. Its comprehensive captive services encompass feasibility studies, domicile management and program management.

Arthur J. Gallagher & Co. (Bermuda) Limited – provides access to many specialized insurance and reinsurance companies operating within the Bermuda marketplace. Gallagher Bermuda acts as an intermediary to place excess protection for rent-a-captives, captives, pools, risk retention groups and self insurance arrangements.

Gallagher Bassett Services, Inc. – provides a broad range of risk management services – including claims and information management, risk control consulting and appraisal services designed to help our clients reduce their cost of risk.

Gallagher Re. – provides a full range of property, casualty, accident and health treaty reinsurance, encompassing risk transfer and finite solutions. In addition, it provides a full range of professional services including actuarial, catastrophe modeling, dynamic financial analysis, financial and capital market alternatives and strategic planning.

Gallagher Benefit Services, Inc. – provides employee benefit and human resource services assisting clients in all areas of their employee retirement and health and welfare plans. This includes plan design, funding, risk transfer and administration.

Gallagher Benefit Administrators, Inc. – this is the third party administrator that serves the self-funded employee benefit marketplace by integrating highly effective managed care and quality assurance programs with claims administration services.

Gallagher Financial Services – is responsible for the management of Gallagher’s diversified investment portfolio, which includes fiduciary funds, marketable and other equity securities, tax advantaged and other strategic investments.



Shared values at Arthur J. Gallagher & Co. are the rock foundation of the Company and our Culture. What is a Shared Value? These are concepts that the vast majority of the movers and shakers in the Company passionately adhere to. What are some of Arthur J. Gallagher & Co.’s Shared Values?

1. We are a Sales and Marketing Company dedicated to providing excellence in Risk Management Services to our clients.

2. We support one another. We believe in one another. We acknowledge and respect the ability of one another. 3. We push for professional excellence. 4. We can all improve and learn from one another. 5. There are no second-class citizens—everyone is important and everyone’s job is important. 6. We’re an open society. 7. Empathy for the other person is not a weakness. 8. Suspicion breeds more suspicion. To trust and be trusted is vital. 9. Leaders need followers. How leaders treat followers has a direct impact on the effectiveness of the leader. 10. Interpersonal business relationships should be built. 11. We all need one another. We are all cogs in a wheel. 12. No department or person is an island. 13. Professional courtesy is expected. 14. Never ask someone to do something you wouldn’t do yourself. 15. I consider myself support for our Sales and Marketing. We can’t make things happen without each other. We are

a team. 16. Loyalty and respect are earned—not dictated. 17. Fear is a turnoff. 18. People skills are very important at Arthur J. Gallagher & Co. 19. We’re a very competitive and aggressive Company. 20. We run to problems—not away from them. 21. We adhere to the highest standards of moral and ethical behavior. 22. People work harder and are more effective when they’re turned on—not turned off. 23. We are a warm, close Company. This is a strength—not a weakness. 24. We must continue building a professional Company—together—as a team. 25. Shared values can be altered with circumstances—but carefully and with tact and consideration for one another’s

needs. When accepted Shared Values are changed or challenged, the emotional impact and negative feelings can damage the Company. Robert E. Gallagher - May 1984

The

Gallagher Way


We are an insurance brokerage, consulting & risk management services company committed to being the best at reducing the cost of risk and protecting the financial integrity of our clients

Our Vision: To be recognized and respected . . .

By our clients as unparalleled customer service professionals

providing responsive and innovative solutions that address their needs.

By our markets as tenacious competitors providing opportunities for

growth and operating with the highest degree of integrity and ethical character

By our employees as “a winning team” providing a fair, challenging

and friendly environment that rewards performance, encourages creativity and supports personal development.

By our community as an organization promoting both individual and

collective involvement that “makes a difference”.

Our Mission


Shared Values

• Managing our client’s risks is our highest commitment. • We try to anticipate our client’s needs in advance. • We seek to understand the client’s business, not just our own. • We always recommend that which is in the client’s best interest, even if it diminishes our

revenues. • We lead our clients to more effective risk management techniques. • We seek long-term relationships, not quick profits. • Getting the order is only the beginning of our commitment, not the end. • We never promise what we cannot produce. • Honesty and integrity are paramount. If we make a mistake, we admit it, and we make it

right. • Every client, large or small, has full access to all of our expertise and capability.

Client Commitment

Shared values at Arthur J. Gallagher & Co. are the rock foundation of the company and our culture. What is a shared value? These are concepts that the vast majority of the movers and shakers in the company passionately adhere to. This corporate culture separates us from the competition. This culture is eloquently expressed in “The Gallagher Way,” a document penned by Robert Gallagher, Chairman. It is a statement of principles and beliefs that is woven into the fabric of our company. This document is provided below.


Karen Graham, CIC, CRM, ARM-P

Area Executive Vice President / National Director Gallagher Public Sector Practice Group

Focus Managing large teams focused on client services Alternative risk financing Public entity risk management Policy reviews / maintenance Manuscripting of policy forms Contractual guidelines / reviews Marketing insurance coverages and program design Experience 30+ years brokerage experience over 21 years with AJGRMS in

Higher Education and Public Entity Division Area President for AJGRMS – Denver 2005 through 2010 National Director of Gallagher’s Public Entity & Scholastic

Division Manuscript property policy for public entities Developed contractual guidelines for public entities Assisted in establishing the Colorado Public Entity Risk

Purchasing Group and manuscripting the policy form 19+ Years of Higher Education and Governmental Entity

Experience Credentials Denver Business College – Freelance Reporter Multiple Lines Agents License Blessing White, Inc. Management and Leadership Training Certified Insurance Counselor Certified Risk Manager Associate in Risk Management Risk Management for Public Entities Industry Publications and Awards Ensuring Adequate Coverage: Public Risk Risk Insurance: Public Power Broker Award – 2008, 2009 and

2013 Professional Affiliations Society of Certified Insurance Counselors (CIC) Public Risk Insurance Management Association (PRIMA) Colorado Self-Insurers’ Association Risk and Insurance Management Society, Inc. (RIMS) Association of Governmental Risk Pools (AGRIP) Colorado Municipal League (CML)

Arthur J. Gallagher Risk Management Services, Inc. 6399 S. Fiddler’s Green Circle Greenwood Village, CO 80111 303.889.2538 (office) 303.475.8984 (cell) [email protected]


Priscilla A. McCoy, CIC, CRM

Area Senior Vice President Gallagher Public Sector Practice Group

Focus Risk Management Environmental Risk Management Policy Reviews / Analysis / Maintenance Marketing / Coverage Placements Manuscripting Policy Forms Contractual Guidelines / Reviews Alternative Risk Financing Program Designs Finite Risk Placements Experience 30 years experience with insurance brokerage firms; over

23 years with Arthur J. Gallagher & Co. in Risk Management Services Division managing large, complex accounts

Established the Colorado Public Entity Risk Purchasing Group and manuscripting Policy Form

Director of Risk Management for The LandBank Group, A Brownfield Acquisition Co., managing Environmental Insurance Placements and Risk Management responsibilities

Credentials Bachelor of Sciences, Business Management, University of

Phoenix Certified Insurance Counselor Certified Risk Manager Multiple Lines Agents License Associate in Risk Management candidate Industry Publications Ensuring Adequate Coverage: Public Risk Professional Affiliations Society of Certified Insurance Counselors (CIC) Public Risk Insurance Management Association (PRIMA) Association of Insurance Women (International) Risk and Insurance Management Society (RIMS) Association of Governmental Risk Pools



Focus Public Entity and Higher Education risk management Risk management / large complex commercial accounts Policy review / maintenance Exposure / coverage analysis Marketing insurance coverages Contract guidelines / reviews Ancillary coverage programs Loss analysis Program Design Experience Over 20+ years experience with insurance brokerage firms

specializing in large commercial, public entities, higher education, oil & gas and tribal governments

Credentials William Jewell College - Bachelor Arts-Communications Multiple Lines Agents License Certified Insurance Counselor (CIC) Certified Risk Manager (CRM) ARM Candidate Professional Affiliations Public Risk Insurance Management Association (PRIMA) University Risk Management Insurance Association

(URMIA)

Arthur J. Gallagher Risk Management Services, Inc. 6399 S. Fiddler’s Green Circle Greenwood Village, CO 80111 303.889.2576 (Office) [email protected]

Monica Drummer, CIC, CRM

Account Executive Gallagher Public Sector Practice Group


Arthur J. Gallagher Risk Management Services, Inc. 6399 S. Fiddler’s Green Circle Greenwood Village, CO 80111 303.889.2614 (office) [email protected]

Focus Public Entity and Higher Education Account Management –

Large Commercial Accounts Day-to-Day Client Services Policy Review / Maintenance Exposure / Coverage / Loss Analysis Marketing / Coverage Placements Contract Reviews Ancillary Coverage Administration National Special Event Program Administration Experience Modification Calculation and ERM 6 Filings Experience More than 10 years Insurance Industry experience More than 20 years of Customer Service experience,

including Operations and Administration Credentials Multiple Lines Agents License Certified Insurance Counselor (CIC) Certified Insurance Service Representative (CISR) Professional Affiliations Society of Certified Insurance Counselors (CIC) Society of Certified Insurance Service Representative

(CISR) Pursuing Certified Insurance Counselor designation

Tracy Paladino, CIC, CISR

Account Manager Gallagher Public Sector Practice Group


Focus Day-to-day client services Public Entity and Higher Education risk management Risk management / large complex commercial accounts Policy review / maintenance Exposure / coverage analysis Marketing insurance coverages Contract guidelines / reviews Ancillary coverage programs Loss analysis Experience Over 8 years experience with insurance claims

management and brokerage firms specializing in large commercial, workers’ compensation, public entities, and higher education business

Credentials Benedictine College - Bachelor Arts-Business

Administration Multiple Lines Agents License Pursuing CIC Designation


Jennifer Monteleone

Account Manager Gallagher Public Sector Practice Group

mailto:[email protected]



Focus Policy checking / reviews Day-to-Day Client services Certificates, endorsements, binders, audits, invoicing Maintain special event programs, inmate medical programs,

ERM filings Experience More than 9 years insurance industry experience Experience in Errors & Omissions pre-underwriting and

servicing Experienced paralegal for family law Credentials Insurance Service Representative (CISR) Degree – Associate of Applied Science, Paralegal

Arapahoe Community College Degree – Bachelor of Arts,

Sociology Major, Psychology Minor University of Colorado at Denver

Anita Bruner, CISR

Account Representative Gallagher Public Sector Practice Group


Focus Claims management for large commercial, public

entity,, and higher education accounts General / Professional Liability/ Auto/ Employment

Practices/ Workers Compensation/ Property Coverage interpretation and review/ rebuttal Litigation, arbitration/ mediation, negotiation, and

subrogation Claim reviews and auditing for Best Practices Loss trending and analysis Claim Advocacy Risk Management Services Experience Over 18 years experience in Claims, Risk

Management, and Litigation, with additional expertise in trucking, rebroadcasting, hospitality, real estate, retail, and care facilities.

Claim Advocacy on Owner Controlled Insurance Programs – Builders Risk, General Liability, Workers’ Compensation

Bilingual claims adjusting – Spanish Credentials Bachelor of Arts, Brigham Young University Associate in Risk Management (ARM) Certified Insurance Counselor (CIC)

Kendall Trump, CIC, ARM

Claim Consultant / Advocate Gallagher Risk Services



Linda Pierce, J.D.

Area Executive Vice President Western Region Claims

Focus Heads Gallagher’s Western Region claims team and works

with our clients on complex and disputed claims Provides assistance to clients in all management liability

lines including Directors and Officers Liability Insurance, Errors and

Omissions Liability Insurance, and Employment Practices Liability Insurance

Negotiating terms and conditions, as well as assisting clients with claim issues

Works with Gallagher’s Human Resources consulting team and frequently works with our clients on risk management issues such as leaves of absence, employee discipline matters, and related policies and procedures

Experience 15 years of advising and representing clients in

employment and business matters as an attorney 11 years as a professional liability broker Credentials Juris Doctor Degree from Southwestern University School

of Law Bachelor of Arts from California State University, Northridge California State Bar Association Fire and Casualty Broker, State of California Professional Affiliations Speaks frequently to business groups Member, Professional Liability Underwriting Society

Arthur J. Gallagher Insurance Brokers of California, Inc. 505 North Brand Boulevard, Ste 600 Glendale, CA 91203 818.539.1390 (office) [email protected]

mailto:[email protected]



Ed Davis, CSP, ARM

Senior Loss Control Consultant Gallagher Risk Services

Focus Training Program Design Implementation Strategies Cost Containment Experience 20+ years experience in human resources, claims, safety and

risk management, employment practices evaluations, safety assessments and customized training programs.

Expertise covers several industries such as General Industry, Municipalities, Oil and Gas, Construction, Education and Health Care.

Career experience working as Safety Director for the Insurance industry in both carrier and agency areas, with Trade Associations and in the private sector.

Credentials Bachelor of Science – Fort Hays State University, Hays, KS

Industrial Education Technology Bachelor of Science – Fort Hays State University, Hays, KS

Communications Certified Safety Professional (CSP),

Comprehensive Practice, #14709 Associate in Risk Management (ARM) Professional Affiliations Professional Member – American Society of Safety Engineers Instructor, OSHA Outreach Institute Construction 10 and 30

Hour Courses

city of fort collins, colorado

Documents