SPECIALIZED SURETY PRODUCTS
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1 USA SURETY UPDATE FY 2017 A LEADER IN PROVIDING SPECIALIZED SURETY PRODUCTS The Guarantee Company of North America USA Excellence, Expertise, Experience Every time
2 USA Surety Update:
3 TABLE OF CONTENTS 04 About The Guarantee USA Quick Facts Differentiators Contract Surety Commercial Surety Environmental Surety Financial Results Three-Year Financial Results USA Office Locations Stay Connected
4 ABOUT THE GUARANTEE USA The Guarantee Company of North America USA has prospered because we always think about the customer first. We identify a need. We design a solution. We make a promise and then we honor it. Visit theguaranteeus.com for more information. Financial Strength Our long standing positive reputation has gained the trust, confidence and recognition of the surety industry by receiving a financial rating of A (Excellent) by A.M. Best. Our Team Our Contract, Commercial, and Transactional teams offer a depth of knowledge and expertise throughout the surety industry to both our producer partners and our mutual clients. Our Commitment to You With locations across the USA and Canada our focus is on making it easy for you to do business with us. Count on us for local expertise and prompt service. Partnering with Specialist Surety Agents We are proud to offer our surety products through agents and brokers across North America, particularly members of the National Association of Surety Bond Producers (NASBP). 4 5
5 QUICK FACTS Founded in 1872 Oldest continuous Surety and Fidelity underwriter in North America 10th largest Surety writer in North America Multiline specialty insurer in Canada Monoline Surety company in USA A.M. Best Group Rating: A (Excellent) USA Financial Strength: VIII ($100MM-$250MM) USA Company Surplus: USD $190MM Group Surplus: CAD $622MM Treasury Listing: $19.0MM as of 07/01/18 More than 450 employees across North America 20 USA branch locations 8 Canadian branch locations DIFFERENTIATORS Surety is our core business Local decision making authority Seamless Canadian cross border capabilities Talented underwriters with strong agency partnerships Stable and consistent underwriting appetite Provide common-sense solutions for our producer partners Ratings and financial strength 6 7
6 2017 FINANCIAL RESULTS (USA Statutory) GWP: $69,049,000 Contract:... $58,007,000 Commercial:...$11,042, Combined Ratio: 78.6% Net Incurred Loss Ratio: % Expense Ratio: % Net UW Profit:...$11,036,000 Net Profit After Tax:... $15,568,000
7 THREE-YEAR FINANCIAL RESULTS A Look Back GWP 69,049 60,088 55,816 Contract 58,007 50,798 46,230 Commercial 11,042 9,289 9,586 Net UW Profit 11,036 9,166 2, Net Profit After Tax 15,568 11,679 4,863 Net Loss Ratio % 16.3% 14.1% 26.2% Net Expense Ratio % 62.2% 65.5% 67.8% Net Combined Ratio % 78.6% 79.6% 94.1%
8 Contract Surety Often required by government, private and institutional organizations, Contract Surety bonds provide a guarantee that projects will be completed successfully and on-time. They are commonly used in the construction industry to ensure contractors fulfill their obligations to project owners. Contract Surety Strategy Capacity: $50MM single/$200mm aggregate Ability to support larger cases where appropriate General contractors, major sub-trades and specialty subcontractors Prompt, clear and concise solutions Building long-term partnerships to support your business plans and bonding needs. Consistent, knowledgeable underwriters with local decision making authority 12 13
9 Commercial Surety Commercial Surety Strategy Commercial Surety bonds generally guarantee fulfillment of federal, state, or local regulations. However, Commercial Performance bonds will guarantee contractual obligations for non sticks and bricks contracts. Capacity: $25MM single/$50mm aggregate Ability to support larger cases where appropriate Specialized bond programs License and Permit, Court, Customs and Probate bonds Commercial Performance bonds, such as service and supply contractors Subdivision, self-insured workers compensation bonds, appeal bond capacity Canadian cross border bonds with commission Our online esurety tool allows agents to conveniently quote, issue, endorse and renew Commercial Surety bonds 14 15
10 Environmental Surety Contractors in the environmental services sector face unique risks for engaging in activities that impact the environment. The Guarantee USA understands these complex risks, and has the knowledge and expertise to provide the right solutions Environmental Surety Strategy Capacity: $10MM single/$20mm aggregate
11 USA Office Locations Detroit, Michigan (USA Main Office) The Guarantee Company of North America, USA One Towne Square, Suite 1470 Southfield, Michigan Tel: / / Fax: / theguaranteeus.com Atlanta, GA Baltimore, MD Birmingham, AL Charlotte, NC Tel: Tel: Tel: Tel: Chicago, IL Columbus, OH Dallas, TX Denver, CO Tel: Tel: Tel: Tel: Detroit, MI Houston, TX Kansas City, MO Los Angeles, CA Tel: Tel: Tel: Tel: Minneapolis, MN Morristown, NJ Nashville, TN Philadelphia, PA Tel: Tel: Tel: Tel: Phoenix, AZ Salt Lake City, UT San Francisco, CA Tampa, FL Tel: Tel: Tel: Tel:
12 STAY CONNECTED on Twitter and be in the know today! Follow The Guarantee on LinkedIn to get the latest insights from our leaders and influencers. THANK YOU for your partnership with The Guarantee USA theguaranteeus.com
13 Excellence, Expertise, Experience... Every time (24343) 2018 The Guarantee is a trademark of The Guarantee Company of North America. All rights reserved. Document contains general information and is not part of the policy. The terms of the insurance contract apply in all circumstances.
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