1. The Mid-west Golf Trip Some hidden risks…

2. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS The Golf Trip Sand Hills – Mullen, Nebraska Prairie Dunes – Hutchinson, Kansas Southern Hills - Tulsa, Oklahoma

3. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Let’s go!  All 3 courses Top 50 Golf Digest  Well-organized trip  Low maintenance – no thinking  Good friends

4. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Getting there Friend has access to private jet Arrange to borrow Because life is much better at 50,000 feet in a private jet than at 35,000 on a commercial flight Helicopter company in Topeka has last minute availability to Hutchinson, Kansas – you TAKE IT

5. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Chartering Aircraft  You attract liability even if you don’t own the craft  You are not automatically covered by Owner’s insurance  Extra Limitations on rotary wing aircraft  There are solutions for you personally

6. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Ground Transport Fits Everyone Fits Clubs Not a mini-Van MSRP US$72K

7. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Renting a Car Aerogold Personal Visa  Collision Damage Coverage only  No cover if > Cdn$65K msrp  Can’t have two on card same time  Only covers Canada/USA rentals  You pay Alamo then Visa pays you  Don’t leave keys in car

8. The colour of your credit-card does not automatically give you collision coverage

9. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Renting a Car Personal Liability  Rental Car Company May automatically give you state minimum limitsMay automatically give you state minimum limits Kansas & Nebraska min. limit $25,000Kansas & Nebraska min. limit $25,000 Oklahoma $10,000Oklahoma $10,000 Can probably buy only $1,000,000Can probably buy only $1,000,000  There are solutions for you personally

10. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Cocktail Party  Bump into another group  You know two of them through your home golf club  Your Group decides to host a cocktail party before all going to Flemings Steak House in Tulsa (125 wines by the glass)  Someone drives home when they shouldn’t have

11. PROTECTING BUSINESS LEADERS FOR FIVE GENERATIONS Host Liquor Liability  You attract liability when you host a party  Liability not limited to where the “tip- the-balance” drink consumed  Many insurance policies exclude this issue  There are solutions for you personally

12. We specialize in limiting business leaders’ legal liabilities Even on golf trips… For solutions click herehere