Within The Addis Group’s Property & Casualty Insurance Brokerage Operation there exist two distinct areas of specialty, Select Accounts and Entrepreneurial Services. Both our Select Accounts Division and Entrepreneurial Services focus their efforts upon becoming our client’s out-sourced risk manager and trusted advisor. This status is achieved through a consultative process to greater understand our client’s ever evolving operations and risk management needs and the implementation of comprehensive, tailored risk management programs that include the design of state of the art insurance coverages focused upon the protection of client assets, both domestically and/or internationally. These insurance coverages include but are not limited to the following:

• Property
• General Liability
• Business Interruption
• Technology Errors & Omissions
• Boiler & Machinery
• Miscellaneous Professional Liability
• Inland/Ocean Marine
• Pollution/Environmental Liability
• Builders’ Risk
• Umbrella/Excess Liability
• Automobile
• Directors & Officers Liability
• Workers’ Compensation
• Employment Practices Liability
• Crime
• Cyber Risk Liability
• Fiduciary Liability
• Travel Accident

As we live in an ever changing, complex world, your company’s growth and risk management needs may outpace the insurance products you purchase. With this in mind, The Addis Group works diligently to continually evaluate your operational exposures and recommends risk management strategies to effectively protect assets while maintaining a keen focus on the bottom line.

Select Accounts
The Addis Group’s Select Accounts Division provides risk management services, which include but not limited to, the negotiation and placement of insurance coverages to our large and middle-market clients. These risk management services are managed in conjunction with our loss prevention and claims management departments to ensure that all aspects of risk are addressed and that our client’s business assets are effectively protected.

Within the Select Accounts Division, our skilled insurance professionals are tasked with negotiating favorable coverage terms and conditions on our client’s behalf and ensuring that the contractual transfer of risk is placed with a financially stable insurance carrier(s). Financial stability has never been more important than in today’s turbulent marketplace.

As a Select Account Client of The Addis Group, there are seven key services provided as outlined below:

1. Risk Management Audit
The Risk Management Audit encompasses step 1 (exposure identification) and step 2 (defining strategies to manage risk) of The Addis Approach. During the Audit process, we work “hand-in-hand” with our client in considering a variety of proven techniques to reduce risk while enhancing your organization’s risk profile through creative, risk management solutions. During the Audit, each decision on how to reduce or eliminate risk will be examined in light of its impact on the company’s bottom line.

As part of the Audit, we analyze the policies in detail and offer comments and recommendations. Significant time is spent reviewing the insurance policies to confirm the “integrity” of the terms and conditions.

2. Insurance Brokering/Coverage Specification Design
The Addis Group takes great pride in the quality and integrity of the Insurance Specifications we design on behalf of our clients. Of interest and importance, each client may review and approve the specifications prior to the submission to the carrier marketplace.

3. Risk Management Service Plan
Working on concert with our client and respective carriers, The Addis Group establishes Risk Management Service Plans. These Risk Management Service Plans set the objectives, standards and steps for the implementation of account management, risk control and claims management services/expectations. The process serves as the blueprint for the achievement of specific goals as well as holds The Addis Group accountable for the service commitments.

4. Risk Management Consulting Services
The Addis Group has significant in-house expertise as relates to the delivery of risk management consulting services. Each client receives tailored claims management and risk control services.

5. Stewardship Reviews
The Addis Group conducts formal Stewardship Reviews six months after the inception date of the insurance program. This review gives both our Client and The Addis Group an opportunity to confirm that each organizations is working effectively to achieve the mutually agreed upon risk management/insurance goals and objectives established at the on-set of the insurance program.

6. Quality Assurance Questionnaire
As part of the Stewardship Review process, The Addis Group asks our Select Accounts to critique our performance in a number of critical areas to include account management, risk control and claim management services. The quality assurance process has been positively received by our clients offering them an opportunity provide feedback.

7. Risk Management Leadership Forum
The Addis Group hosts a number of Risk Management Leadership Forums throughout the year. The topics respond to those pertinent issues identified by our client. For a list topics and corresponding dates, please refer to the section entitled “Risk Management Leadership Forum”.

Entrepreneurial Services
The Addis Group’s Entrepreneurial Services Division meets the evolving needs of our small business clients. In recognition of the fact that small businesses are the fastest growing sector in the U.S. economy, we have dedicated valuable resources to provide outstanding services to the business segment.

The Addis Group has partnered with numerous national carriers to provide our clients with the most comprehensive and cost-effective insurance policy terms and conditions. To facilitate the underwriting process, these carriers have provided The Addis Group with internal rating capabilities that significantly increase the timeliness of our proposals resulting in great efficiencies to our client.

International/Global Capabilities
The Addis Group has extensive international risk management and insurance resources with representation in Europe, North America, South America, Africa, the Far East, Middle East and Australia. These capabilities are a direct result of The Addis Group’s participation in the Worldwide Broker Network (www.WBNGlobal.com).

Founded in 1989, WBN has evolved into a worldwide insurance brokerage / services network. Currently managed by the Council of Agents & Brokers in Washington, D.C., the Worldwide Broker Network comprises over 10,000 employees and has representation in over 75 countries. On the basis of revenues, the network partners as a group would comprise the 5th largest insurance broker in the world.

The WBN Network facilitates the local placement and servicing of global controlled insurance placements for multi-national companies involving property, liability, employee benefits, travel accident, ocean/inland marine and a variety of other coverage needs. The partners also direct the indigenous insurance and benefit programs so that the local client receives complete service from a single source.