A Tailored Approach to Risk Management GALLAGHER ENERGY PRACTICE

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1 GALLAGHER ENERGY PRACTICE A Tailored Approach to Risk Management Insurance Brokerage Benefits & Retirement Consulting Claims Administration & Advocacy Fiduciary Advisors Alternative Risk Program & Administration

2 Tailored Solutions for a Complex Industry Reducing Your Risk The energy industry has intricate risks, both known and hidden. The landmines seem to be buried everywhere in EPA regulations, contracts, aging facilities, federal policy and inexperienced crews. At Arthur J. Gallagher & Co., it s our job to help you identify and assess the risks that affect your organization and put a risk management solution in place. We ll make sure you have the most comprehensive coverage at a competitive price, so your company can focus on its role in the complex energy industry. Whether you re responsible for finding, generating, moving or delivering resources to an energy-hungry world, Gallagher has your company covered. Gallagher provides risk management coverage and services tailored to: Oil & gas upstream, midstream, downstream Power & utilities development, construction, operation Alternatives & renewables biomass, wind, solar, geothermal, hydroelectric

3 Industry Experts We Speak Your Language With Gallagher, you ll work alongside energy industry veterans who understand the challenges you face and know how to address them. This is the same team you ll be working with from risk analysis to underwriting to claims management. That continuity is key to how we work. Your Gallagher team is accountable to you, immersed in your business and familiar with your unique needs and challenges. The end result is finely crafted coverage that is tailored to your business and operational needs. With Gallagher you get: An advocate and partner who works to understand your organization, your priorities and your business model, so we can make informed recommendations. An in-depth discovery process to uncover known and hidden risks and identify creative mitigation approaches some of which may be unrelated to insurance. Single-source accountability with a consistent team from initial risk analysis through proposal design through underwriting, insurance placement and claims support. A dedicated team of risk managers, attorneys, engineers, project managers and underwriters, all with energy-industry backgrounds so they understand the unique challenges you face. Deep familiarity with your business and industry, allowing your Gallagher team to provide in-depth risk management services, including the ability to negotiate lower premiums and expanded coverage for you. Tailored coverages to meet the needs of your company s operations and risk exposures.

4 Legal Consulting Services Making the Fine Print Work for You Risk management in the energy industry begins on paper, with contracts. Our in-house legal team will conduct an in-depth audit of all contractual terms and conditions that affect your operation. Your agreements with suppliers, lenders, contractors, service providers and other stakeholders will be fully reviewed and vetted by attorneys who know the energy industry, the insurance industry and how the two intersect. We ll help you understand your liabilities and indemnity commitments, evaluate how risk is allocated among parties and help you make informed decisions so you can manage, mitigate or transfer risk appropriately. Your organization s risk profile and coverage scenario will be tailored to your exact needs. Safety and Loss Control Services Gaining Insight by Going On-Site Gallagher engineers and loss control specialists will visit your site to evaluate safety processes, security systems, site layout and workflows. They ll look at equipment, substations, pipelines, platforms and construction plans. They ll conduct in-house modeling, taking into account site location and environmental forces that may affect your coverage needs. This in-depth discovery process is a Gallagher hallmark. We dig deep into your organization to accurately assess your risks, uncover gaps in coverage and help you make informed decisions for risk mitigation. With boots on the ground, we can better understand your unique situation and identify new and creative ways to reduce your exposure with plans for: Predictive/preventive maintenance Loss contingency for critical equipment Loss control and safety upgrades Fleet management

5 Insurance Placement and Claims Management We Have Your Back Your Gallagher team will guide the underwriting process on your behalf, providing technically detailed, precise information to underwriters so they have an accurate understanding of your true risks as well as the steps you ve taken to mitigate exposure. Armed with that knowledge, underwriters can create a policy that provides the exact coverage you need. By taking uncertainty out of the underwriting process, we make it possible for insurers to provide broader coverage and lower premiums for our clients. Should your company be involved in a claim, the same Gallagher team that wrote your contracts, evaluated your worksite and managed underwriting will make sure that claims are paid on time and that the terms of your policy are met. As your advocate, we ll engage with the adjuster, work with outside legal counsel as needed, review coverage discrepancies, resolve disputes and work for you until the claim is settled.

6 A Commitment to Advocacy Your Needs Come First Gallagher teams receive frequent training, attend conferences and seminars, and get the support they need to become experts in your industry and your business. It s a collaborative partnership where your success comes first a key reason why we have a 96 percent retention rate with our Energy Practice clients. Built on Integrity Reputation is Everything

7 Global Footprint Small World, Big Network The Gallagher network includes more than 680 offices in 31 countries. The Gallagher Global Alliance extends our reach even further, allowing us to provide risk management services to clients in over 150 countries around the world. With Gallagher you have the resources of a global partner, the specialized knowledge of energy industry experts and the personalized service of a friend and collaborator. It s a combination that only Gallagher can provide. Strategic Alliances Partnership has its Advantages Gallagher alliances include insurance carriers, underwriters and risk management specialists around the world. By maintaining close professional relationships with these organizations, we re better able to provide specialized coverage where required. We also maintain a close relationship with Gallagher Benefit Services and Gallagher Bassett, which means the worldwide Gallagher network can be your single source for property and casualty, employee benefits compensation and third-party administration services. It s a fully integrated approach with Gallagher s distinctive commitment to service at every level.

8 The energy industry is faced with many risks. Working with Gallagher isn t one of them. Reduce your risk. Contact us today. Corporate Headquarters Two Pierce Place Itasca, IL Arthur J. Gallagher& Co. at a glance Arthur J. Gallagher & Co. has been designing solutions to meet our clients unique needs for more than 85 years. We pioneered many of the innovations in risk management used by businesses in all industries today. We believe that the best environment for learning and growing is one that remembers the past and invents the future. Founded in 1927 by Arthur J. Gallagher and still run by the founding family. A global corporation with a strong heritage and culture, Gallagher is a company with 21,500+ family members. Divisions specializing in retail insurance brokerage operations, benefits and HR consulting, wholesale distribution, and third-party administration and claims processing. More than 680 offices in 31 countries and revenues of $4 billion in Offering client-service capabilities in more than 150 countries around the world through a global network of correspondent brokers and consultants. Insurance brokerage and services to be provided by Arthur J. Gallagher Risk Management Services, Inc. and/or its affiliate Arthur J. Gallagher & Co. Insurance Brokers of California, Inc. (License No. 0D69293 and/or ) Arthur J. Gallagher & Co. All rights reserved. 1 Arthur J. Gallagher & Co. received the highest numerical score among brokers for large commercial insurance in the J.D. Power 2015 Large Commercial Insurance Study. Based on 1,285 responses measuring 5 brokers and experiences and perceptions of large commercial insurance insureds, surveyed in April-August Your experiences may vary. For J.D. Power award information, visit jdpower.com. 2 World s Most Ethical Companies and Ethisphere names and marks are registered trademarks of Ethisphere LLC. Arthur J. Gallagher & Co. named one of the World s Most Ethical Companies for Ethisphere Institute, March Used with permission 2016 Forbes Media LLC. ENE8BSD0416