1. Alberta Forest Products Association We Listen. We Think. We Deliver.

2. Today’s Agenda  Introduction to Lloyd Sadd  Your Insurance Market Place  Top 5 Tips to navigate the new insurance market  Why your Risk Management Program will pay dividends

3. Lloyd Sadd Today LLOYD SADD GROUP 15 Employee Shareholders LLOYD SADD INSURANCE BROKERS - CALGARY - LLOYD SADD INSURANCE BROKERS - EDMONTON - LLOYD SADD INSURANCE BROKERS - GRANDE PRAIRIE -  110+ Employees  $135mm Premium Sales  97% Retention | 23% CAGR  97% Commercial Insurance | 3% Personal Insurance  Independent and Employee Owned  Sector Focused with Consultative Broker Approach  “Outsourced Risk Manager”

4. Our Client Vision We invest the time to understand your business, reducing your total cost of risk, helping you build a better organization.

5. Insurance Market  Exit of capacity is driving up rates, reduced coverage, and increased underwriting requirements  Options: 1. Select your insurance partner ride it out 2. Self Insure 3. Alternate Risk Financing

6. Top 5 Tips to Navigate the New Insurance Market Select the Right Broker and Insurer Understand the Alternatives Underwriting Submission Differentiate Yourself Risk Management and Loss Prevention

7. Dust Explosion

8. Hot Work

9. Electrical Fire

10. Forest Fire

11. Special Hazards

12. Questions? Presented by: Martin Willey, CIP Account Executive Shawn Bower Loss Control Specialist Edmonton | Calgary | Grande Prairie www.lloydsadd.com We Listen. We Think. We Deliver.