Offenhauser’s Client Process

Helping Clients Squeeze Every Once of Value out of the Premium Dollars they Spend on Insurance

“…price should not be the determining factor in selecting a representative. More important are the agent's or broker's knowledge, access to reputable and specialized insurance markets, education, experience in dealing with construction-related accounts, and service capabilities.”

International Risk Management Institute’s

Construction Risk Management

Offenhauser’s Client Process

3. Risk Tolerance Analysis

4. Cost of Risk Audit1. Interview

Key employees Front line employees

2. Review1. Current Policies

2. OSHA reports

3. Safety Manuals

4. Financial Statements

5. Bi-laws

5. Review Loss History

6. Purchase Insurance and implementation of pre-determined risk mitigation techniques

Outsourced Risk Management

Few companies can afford to hire a full time risk manager

Through a cafeteria of services, most provided without cost, Offenhauser can partner with you as your outsourced risk manager

Attached are examples of our risk management services that might benefit you

Risk Management Services

Claims

Bill Gordon and his staff have many years of experience settling all types of claims. Their role would be to:

• Monitor• Advocate• Intermediate

Audit Worker’s Compensation Claim Reserves

Audit WC claims with open reserves of more than $10,000 semi-annually. Average reserve reduction over time is more than 20%.

Contract ReviewReview and counsels on various contracts such as leases, construction agreements ect. for problematic insurance and indemnity/hold harmless provisions

Risk Management Services

Loss Control

Customized Loss Control Meetings

Certificate Maintenance/Insurance Specs

Review of the insurance and hold harmless sections of purchase orders and agreements with maintenance contractors, vendors and subcontractors. Creating a filing system to assure certificate compliance.

Risk Analysis and Financing

Does a sprinkler or alarm system in a new store justify the additional cost? Higher deductibles? D&O/Fiduciary/Cyber Liability? We utilize the International Risk Management Institute’s library to help us provide virtually any analysis.

ZyWave and MyWave Resource Library and Portal Online resource library that provides safety manuals, check list, safety topics, and OSHA compliance

Services

•Assist with development of most efficient and cost effective risk

management approach

•Premium forecasting for budget needs

•Review policies and endorsements, providing written commentaries

•Consult with management regarding development of alternative risk management techniques, self insurance options and new insurance

products and ideas

•Work to broaden policy language

•Maintain close contact with appropriate levels of authority with insurers, (including underwriting, claims, loss prevention, legal and overall

management)

•Monitor alternative insurance markets for coverage and competitive pricing

•Share general information and ideas gained from our broad relationship with other contractors, maintaining strictest of confidentiality

•Provide loss prevention inspection services and written reports from insurers

•Assist in negotiating unusual or difficult claims

MISSION / PHILOSOPHYOur mission is to fulfill the insurance and risk management needs of our clients

with the highest standards of

Professional Advice Reliable, Efficient Service Competitive Pricing

OFFICERS & DIRECTORSDon Morriss, Beth Sparks, William Morriss - SeatedStanding Left to Right – Scott Bruner, Tom Wilson,

Jack Bruner, Josh R. Morriss, Jr., Derick Giles

Offenhauser & Co. has been "Your Insurance Leader" since 1882 for Fortune 500 corporations, small business, and families. Our knowledge, integrity and dedication can benefit you. Some relationships with our clients exceed 50 years. We strive to be each client's risk management partner by learning about their business. We often perform risk management audits to begin the process. We define strategies to manage risk and market insurance to leading domestic and international insurers. Then we design a tailored risk solution with the goal of the lowest long term cost of risk.

Offenhauser has a remarkable history of service to our clients.... 1880's- Kelsey and Offenhauser began with attractive handwriting before the

typewriter was in common use 1920's - Began insuring utilities throughout the central United States 1930's - Developed proprietary policy forms and opened the first independent

claims department in region 1940's - Developed a fire-protection engineering department 1950's - Expanded with a Chicago office. 1970's - Built current home office and merged Chicago and Texarkana offices. 1990's - Expanded with 3 regional offices in area

1913 photo of Offenhauser building during a Civic

Celebration.

HISTORY

COMMUNITY

From the founding of the Chamber of Commerce (1905), development of Red River and Lone Star (1939), creation of Wadley Hospital (1958) assistance in creating a K-16 math and engineering program and a new university campus for Texas A & M Texarkana (2006) and other vital projects, the people of Offenhauser, including eight Palmer Award winners, have served corporations, small businesses & individuals with distinction.

OUR PASSION Insurance and Serving Others….

Scott Bruner, President TISD & Chair of Endow the Future Campaign Texas A & M-Texarkana, Ross Perot, Larry Sullivan Superintendent TISD, Josh Morriss Jr., retired CEO Offenhauser and wife Martha at the Morriss Math & Engineering Elementary School & TAMU-T Campus groundbreaking 9/06.

Offenhauser & Co. is a large privately owned agency with 7 principals, doing business in most states and overseas through 4 offices and 40+ employees. Many of our staff have achieved advanced degrees or designations, including five Chartered Property Casualty Underwriters (CPCU)

We are focused on the needs of specific industries. This leads to innovative approaches of managing risk often with a substantial savings.

Examples areConstruction Energy Manufacturing Retail/Wholesale Medical SchoolsHabitational Transportation

EXPERTISE

Collins Bruner, CPCUProducer, Offenhauser & Co.

EDUCATION

Texas High School, Texarkana, TX 2000 University of Texas, BBA 2004 Chartered Property Casualty Underwriter 2010

EXPERIENCE The Hartford Underrwiter- 2004-2007 Lloyd’s of London Intern- Summer 2007 C N A Insurance Underwriter- 2007-2010 Offenhauser & Co- 2011 Producer In-depth knowledge of domestic & international insurance

markets, including Lloyd’s of London Work with all industries but specialize in

Surety bonds Metal Manufacturer’s Construction accounts Milk Co-ops Assisting living facilities Trucker’s Restaurants

COMMUNITY INVOLVEMENT St. James Day School Board The Young Professional of Texas A&M Texarkana Loaned Officer Untied Way Northeast Texas CASA Songwriter’s of Texas Committee Junior Achievement Board member