REAL ESTATE INSURANCE

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1 REAL ESTATE INSURANCE

2 REAL ESTATE TESTED, INSURANCE APPROVED Real estate comes in all shapes and sizes. So does risk. At Conner Strong & Buckelew our professionals know the real estate industry from top to bottom. Our expertise runs deep because we ve insured it all, from residential to commercial, from public to private companies and from national to international portfolios. Our professionals serve as insurance brokers and risk management advisors, providing you with unmatched insurance, claims and risk control experience. We design customized property and casualty insurance and risk management programs that positively impact your bottom line, but it s our expertise and understanding of your business that sets us apart. We are dedicated to learning about your unique investments and committed to protecting them. Your Personal Risk Blueprint Many insurance brokers follow a boilerplate approach to risk. Not us. With our in-depth knowledge of the real estate business, our flexible service model matches your needs with our skills and services. We work with you every step of the way. Beginning with a comprehensive discovery session, our team completes an individualized risk analysis based on your company s assets and potential risk exposures. This includes both traditional real estate and other non-traditional assets, such as new and rehabbed construction, bridges, casinos or golf courses, to name a few. From there, we develop a tailored insurance risk management program that will deliver a positive financial impact, offering you the most comprehensive coverage at the most competitive price. Finally, we help you take your plan to the marketplace, generating a significant ROI.

3 The Conner Strong & Buckelew Difference > Our insurance strategy aligns with your organization objectives > Our experts work with all members of your team, from executives to field managers to maintenance staff > We turn incremental details into added value > We provide an environment for informed decision-making > We believe in creating long-term partnerships > We ensure compliance with all contractual requirements from lenders and governmental entities > We have immediate access to all domestic and international markets, including London, Bermuda, Europe and reinsurance A Foundation of Service In real estate, a building is only as strong as its foundation. We believe the same holds true for insurance brokers. We take our relationships seriously, that s why Conner Strong & Buckelew carefully selects an Account Team to work in unison with your internal team. Our goal is to streamline the insurance and risk management process and deliver superior results. All real estate is not created equal. We re poised to meet your needs with our diverse team of professionals who specialize in property acquisition, divestitures and development, asset management and investment trusts. But we don t stop with real estate expertise. Many of our professionals have backgrounds as CPAs, attorneys, engineers and technical sales executives. Collectively, our team provides holistic, unparalleled service and delivers top-of-the-line insurance strategies that align with your business plan. At Conner Strong & Buckelew, our aim is to be your trusted advisor and make your business even stronger.

4 The Intersection of Real Estate and Development We understand that real estate and property development are often intertwined. Our dedicated real estate team works hand-in-hand with our team of construction, environmental and executive risk experts. Together, they offer you specialized coverage that targets your unique risks and business goals. Example programs specifically related to property development include: > Wrap-Ups: OCIP (Owner Controlled Insurance Programs) > Wrap-Ups: CCIP (Contractor Controlled Insurance Programs) > Builders Risk > Owner Contractor Protective (OCP) > Alternative Risk Solutions including Captives > Layered programs which are concurrent in limits, terms and conditions Structuring Coverage for Real Estate Professionals Your insurance coverage must be as strong as the foundations of your buildings. That s why as part of our review process we invest the time to understand your business. We analyze your existing insurance programs to ensure they align with your business objectives. We complete catastrophe modeling analysis to help you establish appropriate insurable values and coverages for your portfolio. The result is a personalized roadmap designed to uncover hidden exposures, outline coverage options and give you direction on protecting your most critical assets. Example programs include: > Joint Ventures > Contractual Liability review and negotiation for tenants, contractors, etc. > Cost Cap Pollution > Brown Field Development > Green Building LEED Certification > Tenant Default Insurance

5 We ve developed customized programs for real estate subsets including: Commercial > Warehouses > Developments > Stadiums > Shopping Centers > REIT s Residential > Affordable Housing > Apartment Complexes > Developments > Multi-Family > Student Housing Specialty Projects > Casinos > Golf Courses > Bridges > Resorts Safety Services & Risk Control Twenty percent of our professional team is made up of safety consultants. No other broker makes such a strong commitment to safety. Our affiliate, J.A. Montgomery Risk Control, builds unique safety programs that reduce exposures and decrease overall insurance costs. We often conduct a proprietary RiskReview, which evaluates the effectiveness of your current safety and health program and identifies areas where improvements can be made within the program. Additionally, J.A. Montgomery Risk Control develops written safety programs and simulates OSHA and PEOSHA compliance audits. The outcome is a positive safety culture and improved operations, resulting in a reduction in injuries, accidents and their resultant costs. 20 % OF CONNER STRONG & BUCKELEW PROFESSIONALS SPECIALIZE IN SAFETY

6 Claim Management Our in-house Claim Management team is the best and most experienced in the business. If the unthinkable happens, we make sure you re protected with first-rate support 24/7. Each account is assigned a consultant who manages every claim, from start to finish. Our consultants take the time to get to know you and your business inside and out, so they can act as an extension of your company. We take you one step further; we work with one of the top forensic accounting firms in the nation and, when appropriate, assign you a common claims and coverage adjustor to ensure that you receive all the compensation you deserve. It doesn t end there. We also offer in-house counsel to assist with claim interpretations when necessary. Simply put, we act as your biggest advocate, assisting with carrier negotiations, dispute resolution and anything else you may need. For More Information Real Estate Practice