CFR is an insurance brokerage and risk management firm based in Oklahoma with over 100 employees. They have a long history of providing expertise to clients across six continents. Their culture emphasizes creativity, collaboration, and customized solutions. They support various philanthropic organizations in Oklahoma through donations and employee volunteerism.

1. specialization proactive
urgency
creative
empathy
focus solutions
expertise
partnership
nimble collaboration
we are

2. our history
CFR has a long history of
providing sound advice
and industry expertise to our clients. Our
core business is insurance brokerage and
risk management service. We outperform
our competitors by attracting the best
insurance professionals in our business
and supporting that team with state-
of-the-art technology, market/industry
intelligence and the strongest underwriter/
carrier relationships in our region. This
Founded in Tulsa in 1934, combination, along with our customized
we now have clients with service model creates the ability to deliver
our clients the best possible results for
operations on six continents.
their business.
CFR has grown to be the largest independent broker in Oklahoma with more than 100 employees at
office locations in Tulsa and Oklahoma City. Throughout this growth process, our goal has not been to
simply “transact” insurance placements – or to “sell” insurance. We view our value proposition as the
ability to understand your business, evaluate your exposures, and work within your risk tolerance level
to customize a risk management program that minimizes your total cost of risk.
Recognizing a need for businesses in
º 100+ Employees in OKC and Tulsa
our region to have more expertise from
their insurance service provider, CFR º Largest independent broker in Oklahoma
created both a formal Risk Management º Place more than $150MM in premium into the
Group and Health & Benefits Group market annually
to focus on more sophisticated risks º Risk Management group focused on industry
that many larger companies face. The specialization and product expertise
groups provide a superior level of º Experience handling executive/financial
service and world-class expertise - all coverages
with a personal touch. º www.cfr-ins.com
global reach. personal service.

3. our culture
whatever
you do...
CFR commissioned renowned
artist P.S. Gordon to spend several
days in our Tulsa office in order to
better understand and capture
a visualization of our culture.
From this came Whatever You
Do..., a portrait symbolizing the
agency’s business philosophy.
Hanging in our reception area,
the still life painting includes the
following elements: P. S. Gordon, Whatever You Do..., 1991.
8 Ball - represents the caliber of CFR Cherry Pie - shared success. When we
people. We employ only “8s” or better, on succeed, everyone gets a piece of the pie.
a scale of 10.
Diploma - symbolizes our commitment
Fresh Oranges - fresh ideas and a to education. All employees are urged
healthy work environment. to be continually involved in insurance
education programs, and employees
Bell - is rung at the office when receive time off to volunteer at our
important events occur. adopted elementary school.
45 RPM Records - played on the Snow Globe/Mickey Mouse Ears -
company juke box to celebrate good represent the Magic Kingdom and CFR’s
news, e.g. new business or when an “Disney Principle.”
employee receives a professional
designation. Vase - the CFR family.
Flowers - the individual personalities and
diversity of skills that make up our team.
effective & unique culture

4. our philanthropy
12 & 12, Inc. Foundation for Tulsa Public in Tulsa Rocky Stegman Fund
Akdar Shrine Circus Schools Metro Christian Academy Route 66 CPA Run
Alzheimer’s Association Founders Society of Tulsa Multiple Sclerosis Society Run-a-Monkey
Ballet
American Cancer Society NatureWorks Salvation Army
Friends of Woolaroc
American Diabetes Neighbor for Neighbor Scott Carter Foundation
Association Gilcrease Middle School
Student Activities Fund Oaks Indian Mission Sequoyah Elementary
American Heart Association School
Go Red For Women Oklahoma Centennial
American Parkinson Botanical Garden Skiatook Public Schools
Disease Association Golden Hurricane Club
Oklahoma Center for St. John Medical Center
American Society for Holland Hall Community & Justice Foundation
Mathematics HomeLife Association Oklahoma City University - The Center for Individuals
Autism Center of Tulsa Inola Public Schools Boardroom Briefing with Physical Challenges
Autism Walk Jenks Public Schools Oklahoma Foundation for The Tristesse Grief Center
Bark Park Fund Orthopedic
Jenks The University of Oklahoma
Beggs Public Schools Foundation
Big Brothers Big Sisters of The University of Tulsa
Oklahoma Thoreau
Bishop Kelley High Demonstration
School Academy
Foundation
Bluestem
Regional Medical Town &
Development Country
Foundation Schools
Boy Scouts of Tulsa Area
America United Way
Broken Arrow Tulsa Boys’
Public Schools Home
Foundation Tulsa
Brush Creek Youth Engineering
Ranch for Boys Academy at
Memorial
Cascia Hall Association
Scholarship Fund Tulsa Jewish
Retirement & Health Care
Catholic Charities of Center
Diocese of Tulsa
Public Tulsa Metro Chamber
Chelsea Gallery - Health
Schools
Alzheimers Event Tulsa Rowing Club
Foundation Operation Aware of
Chubb Charity Challenge Oklahoma Tulsa Sports Charities
Jewish Federation of Tulsa
Claremore Public Schools Oral Roberts University Tulsa Sports Commission
Junior Achievement of
Crisis Pregnancy Outreach Eastern Oklahoma OSU - Spears School of Tulsa Spotlight Theatre
Business
CSA Juvenile Diabetes Research Tulsa Women’s Foundation
Foundation OSU Coaches Vs. Cancer Pinnacle Award
Cystic Fibrosis Foundation
Knights of Columbus OSU Foundation Tulsa Zoo Friends, Inc.
DaySpring Villa Women &
Children’s Shelter KW, Inc. Paragon Films Trust Union Public Schools
Delta Dental Charitable LIFE Senior Services Park Friends, Inc. United Way of Central
Foundation Oklahoma
Mary K. Oxley Nature Petra Charity Golf
Down Syndrome Center Tournament Women’s Oklahoma Golf
Association of Tulsa Association
Mayo Demonstration Philbrook Museum of Art
Edison Eagles High School Academy YMCA of Greater Tulsa
Pride of Owasso Bands
-Pom Booster Club MDA - Jerry’s Kids Young Presidents
RARC - Employment for
Emergency Infant Services Organization of Tulsa
Mental Health Association Adults with Disabilities

5. award winning firm
CFR qualified for this status by ranking among the top
performers in the annual Best Practices Study conducted
by the Independent Insurance Agents & Brokers of
America (IIABA or the Big “I”) and Reagan Consulting.
The purpose of the Best Practices Study is to compile the
operating statistics of the country’s leading agents and
brokers. To achieve this objective, the agencies included
in the annual study must first be nominated for participation by an insurance carrier or an IIABA state
affiliated association. The agency must then submit detailed financial and operational information which
is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence
including growth, profitability, productivity and financial stability. Over 1,200 agencies from around the
country were nominated in six revenue categories ranging from “Under $1.25 million” in annual revenue
to “Over $25 million” in annual revenues. Of the 310 agencies submitting data, only 224 agencies scored
high enough to qualify for inclusion.
CFR, Inc., one of the largest privately owned
insurance and risk management firms in the
U.S., has secured the second spot on the rank-
ing of the “Best Places to Work” in Oklahoma.
Last year CFR placed first on the list and has
been consistently ranked in the top five places
to work since submitting information.
Our growth into the Top 100 Property/Ca-
sualty Independent Agencies (90th in 2007, “We are pleased to be honored again by Best
75th in 2008 to 71st in 2009) is due primarily Places to Work for being a preferred employer in
to a commitment by CFR colleagues to take a Oklahoma,” said Jack Allen, Owner and Chair-
radical approach to customer service. Three man of CFR, Inc.
years ago we summed this up in the quote:
The Oklahoma “Best Places to Work” survey, in-
dependently handled by the Best Companies
“If you’re not serving clients - you better be
Group, questioned employees of participating
serving the ones who are”
companies about specific workplace issues.

6. expertise
Our consultative approach has been designed to help clients with more complex
enterprise risk management (ERM) needs. Your CFR service team has the expertise to
support you in the ever evolving field of risk management.
evolution of risk management
Advanced RM
(ERM Approach)
Risk
Optimizing
Management
Risk
• Improved earnings
Defensive Risk Managing
and cash flow
Placement Risk • Focus on operational,
• Reduce losses financial, reputational,
Transferring • Lower insurance costs and strategic risks
• Focus on hazard risks
Risk
• Develop safety procedures
• Purchase insurance
policies to cover risks

7. market relationships
Much like our “Global” competitors, we have access to literally hundreds of insurance
markets. What is critical to each of our clients is our strong relationships with the
core markets that are most likely to be a fit for them and with the key underwriters,
regardless of where they reside, that best understand their industry and/or have the
authority to make deals happen:
full service
brokerage
resources
risk specialty
resources Ì Risk management services
Ì One-team service
approach
Our clients receive specialized product
knowledge to deal with their unique risk Ì Claims advocacy resources
profile. Ì Loss control engineering
Ì Benchmarking analysis
Professional Liability Surety Environmental Ì Program design/
implementation
Property Casualty Ì Deductible/
retention analysis
International Ì Loss forecasting/modeling
Aviation
Ì Quantitative analysis
Alternative Programs Management Liability (captives)
Ì Risk mapping
Ì Focus on “total cost of risk”
Ì Access to London &
Bermuda markets

8. some of our clients
Oklahoma
Homebuilders
Association

9. experienced claims support
Rhonda Mc Alister Ginny Revard Renee Attebury
WC Risk Manager Liability Specialist Property & Auto
Liability Specialist
We have a wealth of tools that we can use to bring a claim to a full and final settlement
rather than letting it continue indefinitely. Our claims department can sit in on file reviews,
review claim notes, and review medical and legal documents pertaining to the claim.
By analyzing loss runs, we can benchmark trends
such as type of injury, department, etc. This way,
safety training and awareness can be targeted
where needed most.
Our dedicated claims department will work
hands-on and face-to-face with you to drive
down the cost of claims. Thus lowering the total
cost of risk.
24/7/365 claims service
It’s never a convenient time for a claim. We also know some
are much more urgent than others. With that in mind,
you shouldn’t have to wait until business hours to get the
process started. CFR has multiple methods for reporting
non-urgent claims at all hours. For more urgent claims, we
have experienced claims representatives on call to provide
assistance immediately.

10. references
“I would like to commend CFR and your team for the excellent job you
did on our May 1, 2008 renewal. I believe our overall decrease in pre-
Optimus Industries LLC mium rate was 15% . In addition, you were able to renew our D&O and
Attn: Mr. Jim Scheiper EPL policy after we experienced a catastrophic claim last year. I was
5727 S Lewis Ave, Suite 600
Tulsa OK 74105 somewhat anxious about this particular piece of our program. As you
Phone: (918)491-9191 know we had been with Marsh for a number of years and prior to that
e-mail: jscheiper
@optimus-tulsa.com J&H, which Marsh acquired. Although I was always pleased with the
job Marsh did, I knew I could trust that you and Scott Garrison would
see that our insurance needs were taken care of. I believe CFR has the
tools in place to effectively compete with the larger brokers and still
offer personalized service. I would be happy to discuss our experience
with any of your potential new clients.” - Jim Scheiper
“We had a successful first renewal by CFR with a couple of carrier changes
and a reduction of about 18% which is better than expected. Our main
carrier remained the same. While the lead underwriter was understand- Berendsen Fluid Power
Attn: John Palovik
ably guarded in his comments, he did comment that they work closer with 1200 MidContinent Tower
CFR and write a lot more insurance than with the Tulsa Marsh office.” - 401 S. Boston, Suite 1200
Tulsa OK 74103-4013
John Palovik Phone: (918)581-5008
e-mail: jlp@bfpna.com
“The desision to go with CFR has been a good one for Bama. It has
been a seamless transition. Scott and Trey really know us..... our peo-
ple, our customers, our processes, and our business. Their staff has
The Bama Companies, Inc. pitched in and worked hard on a couple of recent insurance requests.
Mr. Tim Paul
P.O. Box 4829 Our renewal was very successfull with an overall exposure savings of
Tulsa OK 74159 16%, after a 30% savings last year. CFR has access to all the same car-
Phone: (918)592-0778
e-mail: tpaul@bama.com riers, and were able to utilize a new market for us in this renewal. It is
these key people that make our account happen. I think CFR is really
trying to show that we made the right decision, and we certainly did.”
- Tim Paul

11. online resources
We know you wear multiple hats. That’s why we provide online resources to help make your job
easier. Which lets you focus on your primary role. Which makes your organization more efficient.
Which saves you money.
Advisen
º Benchmarking
º Company research
º Analytic models
º Knowledge management
º Policy & law comparisons
Serivce 24/7
Because sometimes “doing it yourself” is more
convenient, we offer Service 24/7 –a way to interact
online with your policies.
In 24/7, you can view autos, drivers, and lien holders
listed on your policies, as well as limits and other details.
You can also print certificates of insurance and auto ID
cards, and submit claims and requests.
MyWave Portal
MyWave Portal is your personalized Web site that allows you
to effortlessly click, connect, and communicate with CFR. It’s
designed to offer you time-saving tools and resources that build
convenience into managing your everyday work tasks. Whether
you want to collaborate with CFR online; quickly access timely
news, resources, and useful documents or connect with more
than 200,000 peers in your industry, this is the place to be. It’s
easily accessible, hardworking, and just one of the many value-
added services available to you when you partner with us.

12. notes

13. Oklahoma City Tulsa
5600 N. May Avenue, Suite 270 5314 S. Yale Avenue, Suite 900
Oklahoma City, Oklahoma 73112 Tulsa, Oklahoma 74135
405.841.0100 918.747.8631