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By: Michael R. Herrera Acct. Executive P: 315-474-3374 Ext 280 C: 315.952.3213

Questions?. Welcome ABC Company. By: Michael R. Herrera Acct. Executive P: 315-474-3374 Ext 280 C: 315.952.3213 mherrera@bbempirestate.com. ABC Company John Smith CFO. Will it Pass the Test ?. Has Your Policy Been Tested ?. Brown & Brown Empire State. Insurance Paradigm.

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By: Michael R. Herrera Acct. Executive P: 315-474-3374 Ext 280 C: 315.952.3213

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  1. Questions? Welcome ABC Company By: Michael R. Herrera Acct. Executive P: 315-474-3374 Ext 280 C: 315.952.3213 mherrera@bbempirestate.com ABC Company John Smith CFO

  2. Will it Pass the Test ? Has Your Policy Been Tested ? Brown & Brown Empire State

  3. Insurance Paradigm Catastrophic Loss (P=Nil to None) $10m $10,000 Most gaps or enhancements we recommend cost little to implement. Yet buyers do not place great weight to these recommendations because of their inherent low probability of coming into play. When you consider the low probability of a catastrophic loss, failure to maximize coverage and price, can be creating a false sense of security relative to coverage for the unlikely Catastrophicloss. Most Cat losses will never happen – however, regardless of the low probaility, this is the main reason buyers purchase insurance. The premium paid in to the carrier is typically more then the claims paid out to the buyer, excluding comp. Insurance buyers do not self insure because of catastrophic potential. Premium No Brainer Risk (P=Nil to None) Claims Paid $ Premium Paid P= Probability

  4. What Makes Us Unique The Brown & Brown Advantage !

  5. Market Clout • Leverage Our National Strength • Greater Access to Multiple Carriers Piece of Mind for You • Stronger Carrier Relationships • Responsiveness, Priority Customer • Prioritized Renewal Process • Flexibility, Rate / Premium Negotiations • Secure Best Terms and Programs for You Publicly Traded / NYSE: BRO 183 offices in the US 5400 employees $978 million in revenue

  6. Decentralization • Local Personalized Service • Local Decision Making • Community Commitment • 5 offices located in Upstate NY • 225 local employees • Local Clients within all industries 5 offices located in Upstate NY 225 local employees 85% of them are Service Oriented

  7. Collective Wisdom • The Best Playbooks For your Industry • Greatest Experience • Customized Programs • Expertise in your Industry • Specialty Access 98.5% Customer Retention

  8. The Process Needs & Opportunity Analysis (Conference Call) Report Findings (Final Proposal) Uncovering needs through understanding (Policy Review) First Interview – Information Gathering Start Earning Your Business Every Day !

  9. Next Steps/Questions? Thank you Earning Your Business Every Day !

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