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Home My WebLink About000345.tiff Y 4 , , ,. c . - . , .4 .. , \ . •, * .. . Di m . 4 ,41 Cs.al ill 514P1+e ,. - • . ` Cr :I 11 gil 1 --: v bl • • A r, L r Ili I 1 r ' \r le E 4411 II to • ` i 2 —' 1 • , S4,___ f 7 , J I _ (4,,.... '-‘16..--vwsilia.-..--r . _ Proposalof nsu rance , . ....... sa. i „ Weld County , Colorado 1. ‘ ,ve, P .O . Box 758 1150 "O" Street Greeley, CO 80632 r 1 7 Arb 4 Presented : December 23 , 2021Iit Effective : December 31 2021 ` o Karen Graham National Director Arthur J . Gallagher Risk Management Services , Inc. 6300 South Syracuse Way Suite 700 , Centennial , CO 80111 (303) 773-9999 Karen_Graham@ajg . com ‘r____„) Gallagher Gallagher Insurance Risk Management Consulting 40 coRE 36 0 IM ajg .com ® 018 Arthur J. Gallagher & Co. All rights reserved. Weld ** CORE 360" Table of Contents Service Team 3 Program Structure 4 Named Insured 5 Market Review 6 Program Details 7 Excess Workers' Compensation - Safety National Casualty Corporation 7 Excess Workers' Compensation - Pinnacol Assurance Company 9 Premium Summary 11 Premium Financing 12 Payment Plans 13 Carrier Ratings and Admitted Status 14 Proposal Disclosures 15 Proposal Disclosures 16 Client Signature Requirements 17 Coverages for Consideration 18 Client Authorization to Bind Coverage Error! Bookmark not defined. Appendix 19 Bindable Quotations & Compensation Disclosure Schedule 20 Binding Requirements 21 Claims Reporting By Policy 22 CORE360TM Loss Control Flyer 23 Cyber Liability eRiskHub Features 24 2 Gallagher Insurance Risk Management Consulting Weld Gallagher • • •• CORE 36O' Service Team Karen Graham has primary service responsibility for your company. We operate using a team approach . Your Service Team consists of: NAME / TITLE PHONE / ALT. PHONE . EMAIL ROL Karen Graham (303) 889-2538 KarenGraham@ajg .com a' com Producer National Director (303) 773-9999 — @ �g � Nathan Kathol, CLCS (303) 889-2532 Nathan_Kathol@ajg . com Client Service Manager Client Service Manager Tracy Paladino, CISR, CIC (309) 889-2614 tracy_paladino@ajg . com Client Service Executive Client Service Supervisor (303) 773-9999 Arthur J . Gallagher Risk Management Services , Inc. Main Office Phone Number: (303) 773-9999 3 Gal agher Insurance Risk Management Consulting Weld Gallagher • • CORE 360 • Program Structure 4 46) Gallagher Insurance Risk Management Consulting Weld Gallagher • • •• CORE 36O' Named Insured Named Insured Schedule : Add ! s_ Change / Named Insured .fl Delete o lr; C CO a) O. cu E x o wcs Weld County X Note : Any entity not named in this proposal , may not be an insured entity. This may include affiliates , subsidiaries , LLC's , partnerships and joint ventures. 5 ,j Ga agher Insurance Risk Management Consulting Weld •JCORE 360 Market Review We approached the following carriers in an effort to provide the most comprehensive and cost effective insurance program . INSURANCE COMPAN , LINE OF COVERAGE RESPONSE PREMIUM Safety National Casualty Corporation Excess Workers' Compensation Quoted $248 ,815 .00 $750 , 000 Retention-per occurrence Safety National Casualty Corporation Excess Workers' Compensation Quoted $230 ,379 .00 $850, 000 Retention-per occurrence Pinnacol Assurance Company Excess Workers' Compensation Recommended Quote $499 ,047 .00 $750 , 000 Deductible-per occurrence Pinnacol Assurance Company Excess Workers' Compensation Quoted $479 ,388 .00 $750 , 000 Deductible-per claim Executive Summary Due to challenges with the County is experiencing with their current TPA arrangement, it was decided that we would approach both the incumbent, Safety National , as well as Pinnacol Assurance for renewal options this year. Safety provided renewal options at the expiring $750K retention with a 13% overall premium increase . This increase is partially due to a 5% increase in total payroll , based off of payroll estimates provided by the County, and due to the market conditions for excess workers compensation . Safety also provided an option to increase the retention to $850K that would maintain a flat rate over expiring . Pinnacol also provided renewal options . Pinnacol's program does include a higher premium , but with Pinnacol being a traditional workers compensation carrier instead of an excess workers compensation carrier, Pinnacol would also take over the claims administration for the County. Their first option would be to have a "per claim" deductible of $750K. The second option for slightly more premium would change the $750K deductible to a "per occurrence" basis. Coverage was ultimately bound with Pinnacol at the $750K "per occurrence" deductible option . 2020 2021 _a& Expiring Option 1 Option 2 Option 3 Option 4 Carriers Safety Safety Safety Pinnacol Pinnacol Estimated Payroll $115, 269, 628 $120, 821,403 $120, 821, 403 $ 120, 821,403 $120, 821,403 Experience Mod 1. 13 1. 16 1. 16 1. 16 1. 16 Deductible/Retention $750, 000 Ret . $750,000 Ret. $850, 000 Ret. $750, 000 Ded . $750, 000 Ded . Ded ./Ret. Applies " per claim " or " per occurrence " occurrence occurrence occurrence claim occurrence Estimated Premium ( Auditable ) $220, 396 $230, 379 $248, 815 $461, 105 $480, 764 Non-Subject Premium ( not auditable ) $0 $0 $0 $ 18, 283 $ 18, 283 TOTAL Premium $220,396 $248,815 $230,379 $479,388 $499,047 1. 10% of paid 1. 10% of paid Claims Handling Fee ( in addition to premium ) Not Covered Not Covered Not Covered losses losses *Option 4 was bound with Pinnacol Assurance 6 GD. Gallagher Insurance Risk Management Consulting Weld •JCORE 360 Program Details Coverage : Excess Workers' Compensation Carrier: Safety National Casualty Corporation Policy Period : 12/31 /2021 to 12/31 /2022 Coverage: DESCRIPTIO LIMIT TYPE AMOUNT Coverage A - Workers' Compensation Statutory Employers Liability Limit Limit $ 1 , 000 , 000 / Per Occurrence Deductibles / Self-Insured Retention TYPE COVERAGE AMOUNT Self-Insured Retention Workers Compensation $750 ,000 Experience Modification Factor(s) : DESCRIPTION FACTOR CO 1 States : Iligia*FDDt STATE States Covered : CO States Excluded : OH , ND, WA, WY Endorsements include, but are not limited to : DESCRIPTIO Incidental Longshoremen's and Harbor Workers' Compensation Act Coverage Endorsement - 0241 00 1291 (Xwc) Broad Form All States For Employee Travel - 0276 02 0408 (XWC) Voluntary Compensation Endorsement-Premium Delineation - 0291 00 0708 (XWC) Foreign Voluntary Workers' Compensation And Employers' Liability - 0293 00 0906 (XWC) 90-Days Notice Of Cancellation - 0322 00 1291 (XWC) Policyholder Disclosure Notice Of Terrorism Insurance Colorado Mandatory Endorsement(S), If Applicable - 1061 15 0519 (XWC) Terrorism Risk Insurance Program Reauthorization Act Endorsement - 6000 00 0121 (XWC) Exclusions include, but are not limited to : ESCRIPTION Voluntary Compensation 7 Gal agher Insurance Risk Management Consulting Weld •JCORE 360 Exclusions include, but are not limited to : Longshore & Harbor Workers' Act Owners or Officers Bodily Injury to an Employee While Employed in Violation of Law Bodily Injury Intentionally Caused by Insured Federal Employers' Liability Act Assumptions under Contract Binding Requirements : DESCRIPTION Subject to Confirm volunteer sheriff exposure prior to binding (hours per month/year & # of volunteers) Subject to receipt, review and acceptance of information contained in SNCC's Employee Concentration Supplemental Information (08/04) form prior to binding Other Significant Terms and Conditions/Restrictions : DESCRIPTIO Deposit Premium : $248 ,815 Subject to Audit : Voluntary Auditable Exposures : STAT CLASS CODE DESCRIPTION EXPOSURE CO $ 120 ,491 ,291 - Total Payroll 8 Ga agher Insurance Risk Management Consulting Weld Gallagher • • CORE 360 • Coverage : Excess Workers' Compensation Carrier: Pinnacol Assurance Company Policy Period : 12/31 /2021 to 1 /1 /2023 Coverage : LIMIT TYPE AMOUNT BASIS Coverage A - Workers' Compensation Statutory Employers' Liability Limits Limit $ 1 ,000 ,000 Each Accident Bodily Injury by Accident Employers' Liability Limits Bodily Injury by Disease Limit $ 1 ,000 ,000 Per Employee Employers' Liability Limits Bodily Injury by Disease Limit $ 1 ,000 ,000 Policy Limit Deductibles I Self-Insured Retention PE COVERAG • AMOUNT Deductible Large Deductible - Indemnity, And Allocated Expense . - Per Occurrence $750 ,000 Experience Modification Factor(s) : DESCRIPTION FACTOR NCCI 1 . 16 States : DESCRIPTION STATE States Covered : CO States Excluded : OH , ND, WA, WY Endorsements include, but are not limited to : DESCRIPTIO Workers Compensation and Employers Liability Policy Deductible Endorsement Exclusions include, but are not limited to : Owners or Officers Bodily Injury to an Employee While Employed in Violation of Law Bodily Injury Intentionally Caused by Insured Longshore & Harbor Workers' Act Federal Employers' Liability Act Assumptions under Contract 9 Gallagher Insurance Risk Management Consulting Weld •JCORE 360 Binding Requirements : DESCRIPTION Subject To - - The (Bond / or LOC) to collateralize the Aggregate deductible program is due at inception of coverage. The (Bond / or LOC) will be retained until all claims are closed . Failure to provide the required collateral at the inception of the coverage will result in the issuance of a 30 day notice of cancellation of the policy for failure to meet financial requirements of the alternative pricing program . Other Significant Terms and Conditions/Restrictions : DESCRIPTIO Total Premium includes the TRIA Premium of $6 ,041 And Catastrophe Premium of $ 12 , 082 Auditable Exposures : STATE CLASS CODE DESCRIPTION CO - Excess Workers' Compensation $ 120 , 821 ,403 - Payroll 10 GT) Ga agher Insurance Risk Management Consulting Weld County , Coorado :JcoRE I 360 Premium Summary The estimated program cost for the options are outlined in the following table : EXPIRING PROGRAM PROPOSED PROGRAMS) LINE OF COVERAG ESTIMATED COST PROGRAM 1 PROGRAM 2 (RECOMMENDED). Excess Workers' Premium - Safety National $248 , 815 . 00 Pinnacol Assurance $480 ,764 .00 Compensation Taxes _ Casualty Corporation _ Company (Pinnacol _ - (Tokio Marine - Assurance Company) Srchrg & Asmnt - Holdings, Inc. ) Total Fees - - - Estimated Cost - $248, 815. 00 $499,047.00 Annualized Cost - N/A N/A TRIA Premium Included Included Total Estimated Program Cost $0. 00 $248, 815. 00 $499,047.00 Quote from Safety National Casualty Corporation (Tokio Marine Holdings, Inc.) is valid until Premiums are due and payable as billed and may be financed, subject to acceptance by an approved finance 1 /1/2022 company. Following acceptance, completion (and signature) of a premium finance agreement with the specified down payment is required. Note: Unless prohibited by law, Gallagher may earn compensation for this optional value- Quote from Pinnacol Assurance Company (Pinnacol Assurance Company) is valid until added service. 12/31/2021 Gallagher is responsible for the placement of the following lines of coverage: Excess Workers' Compensation It is understood that any other type of exposure/coverage is either self-insured or placed by another brokerage firm other than Gallagher. If you need help in placing other lines of coverage or covering other types of exposures, please contact your Gallagher representative. 11 cr2 : Ga - gher Insurance Risk Management Consulting Weld •JCORE 360 Premium Financing Arthur J . Gallagher is pleased to offer Premium Financing for our clients. What is Premium Financing ? Premium financing is a short-term loan that provides premium payment flexibility. By financing , you have the option to spread out your premium payments instead of paying in full at the time of policy purchase or renewal . Why Premium Financing May be Good for Your Business? • May improve capital and cash flow management by spreading out premium payments over the policy period . • Allows for consolidation of multiple policies into one premium finance agreement with a single monthly or quarterly payment. • Provides automated ACH options and flexible payment terms . Want to Learn More? If you are interested in learning more or obtaining a quote , contact your Client Service Manager. 12 Ga agher Insurance Risk Management Consulting Weld Gallagher • • CORE 360 • Payment Plans CARRIER / PAYABLE CARRIER LINE OF COVERAGE PAYMENT PAYMENT SCHEDULE METHOD Safety National Casualty Corporation (Tokio Marine Excess Workers' Annual Payment Agency Bill Holdings, Inc.) Compensation Monthly, With Payment Due in Twenty (20) Days . (9 stipulated billings each equal to 1 /9th Pinnacol Assurance Company (Pinnacol Assurance Excess Workers' of the total Direct Bill Company) Compensation estimated annual deductible premium paid directly to Pinnacol Assurance . ) 13 Ga agher Insurance Risk Management Consulting Weld •JCORE 360 Carrier Ratings and Admitted Status ROPOSE ' INSURANCE COMPANIES A. MALTZGoRY * ADMITTED/NON-ADMITTED ** Pinnacol Assurance Company A- XIV Admitted Safety National Casualty Corporation A++ XV Admitted `Gallagher companies use A. M . Best rated insurers and the rating listed above was verified on the date the proposal document was created . Best's Credit Ratings TM reproduced herein appear under license from A. M . Best and do not constitute, either expressly or impliedly, an endorsement of Gallagher's service or its recommendations . A. M . Best is not responsible for transcription errors made in presenting Bests Credit Ratings TM . Best's Credit Ratings TM are proprietary and may not be reproduced or distributed without the express written permission of A. M . Best. A Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders . Bests Credit Ratings TIM are under continuous review and subject to change and/or affirmation . For the latest Best's Credit Ratings TM and Guide to Best's Credit Ratings , visit the A. M . Best website at http://www. ambest. com/ratings. ** If coverage placed with a non-admitted carrier, it is doing business in the state as a surplus lines or non-admitted carrier, and is neither subject to the same regulations as an admitted carrier nor do they participate in any state insurance guarantee fund . Gallagher companies make no representations and warranties concerning the solvency of any carrier, nor does it make any representation or warranty concerning the rating of the carrier which may change . 14 GT) Gal agher Insurance Risk Management Consulting Weld County , Colorado es.. Gallagher •• CORE 360 Proposal Disclosures 15 CT) Gallagher Insurance Risk Management Consulting Weld •JCORE 360 Proposal Disclosures The following disclosures are hereby made a part of this proposal . Please review these disclosures prior to signing the Client Authorization to Bind or e-mail confirmation . Proposal Disclaimer IMPORTANT: The proposal and/or any executive summaries outline certain terms and conditions of the insurance proposed by the insurers, based on the information provided by your company. The insurance policies themselves must be read to fully understand the terms, coverages, exclusions, limitations and/or conditions of the actual policy contract of insurance. Policy forms will be made available upon request. We make no warranties with respect to policy limits or coverage considerations of the carrier. Compensation Disclosure 1 . Gallagher Companies are primarily compensated from the usual and customary commissions, fees or, where permitted, a combination of both , for brokerage and servicing of insurance policies, annuity contracts, guarantee contracts and surety bonds (collectively "insurance coverages") handled for a client's account, which may vary based on market conditions and the insurance product placed for the client. 2. In placing , renewing, consulting on or servicing your insurance coverages, Gallagher companies may participate in contingent and supplemental commission arrangements with intermediaries and insurance companies that provide for additional compensation if certain underwriting, profitability, volume or retention goals are achieved . Such goals are typically based on the total amount of certain insurance coverages placed by Gallagher with the insurance company, not on an individual policy basis . As a result, Gallagher may be considered to have an incentive to place your insurance coverages with a particular insurance company. If you do not wish to have your commercial insurance placement included in consideration for additional compensation , contact your producer or service team for an Opt-out form . 3. Gallagher Companies may receive investment income on fiduciary funds temporarily held by them , or from obtaining or generating premium finance quotes, unless prohibited by law. 4. Gallagher Companies may also access or have an ownership interest in other facilities, including wholesalers, reinsurance intermediaries, captive managers, underwriting managers and others that act as intermediaries for both Gallagher and other brokers in the insurance marketplace some of which may earn and retain customary brokerage commission and fees for their work. If you have specific questions about any compensation received by Gallagher and its affiliates in relation to your insurance placements, please contact your Gallagher representative for more details. In the event you wish to register a formal complaint regarding compensation Gallagher receives from insurers or third-parties, please contact Gallagher via e-mail at Compensation_Complaints@ajg .com or by regular mail at: Chief Compliance Officer Gallagher Global Brokerage Arthur J . Gallagher & Co . 2850 Golf Rd . Rolling Meadows, IL 60008 TRIA/TRIPRA Disclaimer If this proposal contains options to purchase TRIA/TRIPRA coverage, the proposed TRIA/TRIPRA program may not cover all terrorism losses. While the amendments to TRIA eliminated the distinction between foreign and domestic acts of terrorism, a number of lines of coverage excluded under the amendments passed in 2005 remain excluded including commercial automobile, burglary and theft insurance; surety insurance, farm owners multiple perils and professional liability (although directors and officers liability is specifically included ). If such excluded coverages are required, we recommend that you consider purchasing a separate terrorism policy. Please note that a separate terrorism policy for these excluded coverages may be necessary to satisfy loan covenants or other contractual obligations. TRIPRA includes a $ 100 billion cap on insurers' aggregate liability. TRIPRA is set to expire on December 31 , 2027. There is no certainty of extension , thus the coverage provided by your insurers may or may not extend beyond December 31 , 2027 . In the event you have loan covenants or other contractual obligations requiring that TRIA/TRIPRA be maintained throughout the duration of your policy period, we recommend that a separate ""Stand Alone"" terrorism policy be purchased to satisfy those obligations . 16 ,j Ga agher Insurance Risk Management Consulting Weld County , Colorado es.. Gallagher •• CORE 360 Client Signature Requirements 17 Gallagher Insurance Risk Management Consulting Weld •JCORE 360 Coverages for Consideration Overview • A proposal for any of the coverages can be provided . • The recommendations and considerations summarized in this section are not intended to identify all exposures. • Since Gallagher does not handle your complete insurance program , these recommendations only reflect items within our scope of responsibility. Other Coverage Considerations • Cyber Liability • Flood 18 Ga agher Insurance Risk Management Consulting Weld Gallagher • • •• CORE 360 Appendix 19 46) Gallagher Insurance Risk Management Consulting Weld County , Coorado :JcoRE I 360 ,, Bindable Quotations & Compensation Disclosure Schedule Client Name: Weld County, Colorado GALLAGHER U .S. OWNED WHOLESALER, MGA, OR EST. ANNUAL COMM .% OR WHOLESALER, MGA, OR COVERAGE(S) CARRIER NAMES INTERMEDIARY NAME1 PREMIUM2 FEES INTERMEDIARY % Excess Safety National Casualty Corporation (Tokio Marine o Workers' N/A $248, 815. 00 15 /o Holdings , Inc. ) Compensation Excess Pinnacol Assurance Company (Pinnacol Assurance Workers' N/A $480, 764. 00 10 Compensation Company) 1 We were able to obtain more advantageous terms and conditions for you through an intermediary/ wholesaler. 2 If the premium is shown as an indication : The premium indicated is an estimate provided by the market. The actual premium and acceptance of the coverage requested will be determined by the market after a thorough review of the completed application . * A verbal quotation was received from this carrier. We are awaiting a quotation in writing . 3 The commission rate is a percentage of annual premium excluding taxes & fees . * Gallagher is receiving ___°/o commission on this policy. The fee due Gallagher will be reduced by the amount of the commissions received . 20 GD Ga - gher Insurance Risk Management Consulting Weld •JCORE 360 BindingRequirements COVERAGE (ISSUING CARRIER) BINDING REQUIREMENT Subject to Excess Workers' Compensation Confirm volunteer sheriff exposure prior to binding (hours per month/year & # of Safety National Casualty volunteers) Corporation Subject to receipt, review and acceptance of information contained in SNCC's Employee Concentration Supplemental Information (08/04) form prior to binding Subject To - - The ( Bond / or LOC) to collateralize the Aggregate deductible program is due at Excess Workers' Compensation inception of coverage . The (Bond / or LOC) will be retained until all claims are closed . Pinnacol Assurance Company Failure to provide the required collateral at the inception of the coverage will result in the issuance of a 30 day notice of cancellation of the policy for failure to meet financial requirements of the alternative pricing program . 21G,) Ga agher Insurance Risk Management Consulting Weld •JCORE 360 Claims ReportingB Policyy Immediately Report all claims. Reporting to Gallagher or Assistance in Reporting Workers Compensation Email : GGB . NRCclaimscenter@ajg .com • Phone : 855-497-0578 • Fax: 225-663-3224 Direct Reporting [Only When Applicable] Excess Workers' Compensation • Pinnacol Assurance Company • Phone#: 303. 361 .4000 or 800 .873 .7242 • Fax#: 303 .361 . 5000 or 888. 329 . 2251 • Website : https ://www. pinnacol .com/workers-compensation/claims/reporting-an-injury 22 Gallagher Insurance Risk Management Consulting CORE360TM CIL) Gallagher Loss Contro Porta Insurance I Risk Management I Consulting . ,t IJI 1 i It. tat , e e - lie . e i r I e *%,„,...., ' \ : ' 4,41 ', -1 . • I itki I '1/4 1 i ; elIllr. • ,, . Mit / / di3/4111,.. I esaishmsibs. ,_ .00------..seta Reduce Your Risk and SimplifyTraining Most Popular Safety training programs and educational materials foremployees are critical for Training Modules : reducing accidents, increasing retention and minimizing your total cost of risk now and inthefuture. • Sexual Harassment and Discrimination •Gallagher'sCORE360TM Loss Control Portal is our proprietary LearningSlip, Trip and Fall Training 9 P p rY Management System (LMS) that supports yoursafety program , provides real time • Electrical Safety Training access to your loss control plans and keeps employees up to date with the latest • Back Safety Training safety standards. • Bloodborne Pathogens Key benefits of CO ' E360 TM Loss Control Pedal : • Safe Lifting Practices • Access up to 10 modules of your choice from a library of over 100 training and •safety shorts. In addition , monthly bulletins are available topics such Defensive Driving Basics covering as General and Environmental Safety, Human Resources, and Health and • Fire Prevention Basics Wellness. • Personal Protective Equipment • Save valuable time by assigning employee training and monitoring their latest • GHS Hazard Communication progress and completion . • Simplify the process of training to stay in compliance and avoid costly penalties . • Onboard and train an unlimited number of users while enhancing your overall . . Gallagher risk control program . ••t CORE 360" • Customize your platform with your company's logo, training content and modules tailored to your business, and personalized procedures and forms rae8 to L foran added fee. e« Please visit Gallagher CORE360T" is our unique, comprehensive ajg .(c let f 1 I / L t Mr*1 , ) hall to learn more. approach of evaluating your risk management program that leverages our analytical tools and diverse resources for customized, maximum impact on six cost drivers of your total cost of risk. 16 .. ' Gallagher eRiskHub ° t eRiskHubR Overview E 1 , :,aft es, � 1 { ' and L Information 1 The evolution of the cyber risk landscape has brought with it broad , sweeping Q ' � � regulations to address cybersecurity exposures . This digital transformation also ' ' is-a___. 0 presents new risks , including financial losses, for every industry . Gallagher' s Cyber �.. Practice delivers expertise alongside cyber risk management and insurance placement services , as well as a better way to construct risk management solutions . CORE360TM To access the Gallagher I eRiskHub® — our comprehensive approach of evaluating our client' s risk management program — now. leverages our analytical tools and diverse resources for customized , maximum impact 1. Navigate to https://eriskhub.com/ on six cost drivers of their total cost of risk . First, we consult with you to understand all gallagher of your actual and potential costs , then find the best options to reallocate these costs 2 Complete the new user registration based on strategic actionable insights empowering you to know, control and minimize at the bottom of the page. Choose your total costs increasing profitability. your own user ID and password . Additionally, our data-driven CORE360TM approach allows us to implement programs for The access code is 447597. your business that will increase safety, minimize losses , mitigate claims and proactively analyze your cyber risk posture . 3. After registering , you can access the hub immediately using your newly created credentials in the Key Features of the Gallagher I eRiskHub® member login box located at the • Gallagher Cyber Risk Due Diligence A six-step process designed to walk clients top right of the page. through a simple , thought-provoking framework to encourage organizational communication , establish clear direction and highlight priorities to better understand your cyber risk profile . • Risk Manager Tools — A collection of tools with many different purposes such as researching known breach events , calculating your potential cost of a breach event The Gallagher Way . and downloading free sample policies your organization can use as templates . Since 1927 . • News Center — Keeps you up to date on what is going on in the world of cyber risk through handpicked articles , feeds and blogs . The information contained herein is offered as insurance industry guidance and provided as an • Learning Center — An extensive collection of white papers , articles , webinars , videos overview of current market risks and available coverages and is intended for discussion purposes and blog posts on a variety of topics . ( Looking for something specific? Try the search only. This publication is not intended to offer legal box atthe top right of the page to search the entire Gallagher I eRiskHub®) . advice or client-specific risk management advice. Any description of insurance coverages is not meant to • Security & Privacy Training — An overview of best practices for creating an interpret specific coverages that your company may already have in place or that may be generally effective security training program for employees . available. General insurance descriptions contained herein do not include complete insurance policy • Strategic Third-Party Relationships and Partner Resources — Information on third- definitions, terms, and/or conditions, and should not party vendors that can assist your organization with improving your overall cyber risk. be relied on for coverage interpretation. Actual insurance policies must always be consulted for full As cyber risk evolves , so does our commitment to thought leadership . Our global cyber coverage details and analysis. teams focus exclusively on cyber risk , and uniquely position Gallagher to share our Insurance brokerage and related services to be provided by Arthur J . Gallagher Risk Management knowledge , expertise and experience for the benefit of our clients . Services, Inc. (License No. OD69293) and/or its affiliate Arthur J. Gallagher & Co. Insurance Brokers of California, Inc. (License No. 0726293). If you have any questions about the Gallagher I eRiskHub®, please reach out to your broker. Cyber Liability © 2019 Arthur J. Gallagher & Co. I ajg . com g . co m GGB34479A Hello