Solutions that build safer businesses

Solutions that build safer
and stronger businesses.
Insurance & Risk Management
Capabilities
INDIAN NATION PRACTICE
Presented by
John Balian, Vice President
818.266.6739
johnb@wgbib.com

Commercial Insurance | www.wgbib.com | 714.505.7000 | Insurance License 0679263 | 2
Wood Gutmann & Bogart
OVERVIEW
Wood Gutmann & Bogart Insurance Brokers, founded in 1985, is a leading full-service insurance
brokerage firm providing a complete range of commercial, personal and employee benefits insurance
products and services.
THE FIRM AT A GLANCE
• Ranked by the Orange County Business Journal as one of the “Fastest Growing Midsize Private
Companies”
• One of Insurance Journal’s “Best Independent Agencies to Work For” in the West, and named the
“Best Agency to Work for in the West” in 2014
• Ranked for the fourth year in a row as:
— One of Insurance Journal’s “Top 100 Independent P&C Insurance Agencies”
— One of “Orange County’s Best Places to Work” by the Orange County Business Journal
— One of Inc. Magazine’s “Fastest Growing Private Companies in America”

Wood Gutmann & Bogart | Overview
THE FIRM AT A GLANCE [continued]
• Representing virtually all competitive insurance companies in the
marketplace
• Headquartered in Tustin, with offices and affiliates throughout
California
• Licensed in virtually all 50 states and U.S. territories
• Over 140 professional employees
• Over $250 million in annual premiums managed
BROAD INDUSTRY EXPERIENCE
• Sports & Entertainment
• Food & Beverage
• Construction
• Environmental
• Manufacturing
• Non-Profit & Human Services
• Technology
• Tribes
• Medical Services & Facilities
• Retail & Hospitality

What Sets Us Apart
A STEP ABOVE
• Average professional tenure is 15+ years
• Cutting edge technology
RISK IMPROVEMENT
• Complete review of insurance program
• Find gaps in coverage
• Risk management services
• Use of comprehensive coverage checklists
• Negotiate comprehensive coverage terms
• Review of “add-on” coverage
endorsements
• In-house Risk & Loss Control team
• In-house Workers’ Compensation Claims
team
PRICE
• Process to help underwriters justify
maximum credits
SERVICES
• Claims audit and consulting
• Risk and loss control
• Safety program and IIPP review, analysis
and upgrade
• OSHA safety compliance audits
• Safety and labor law postings
• Employee handbook review
• Human resource consulting
• CSR24 – online access to certificates of
insurance and auto ID cards 24/7
• Certificates of insurance – 24-hour
turnaround
• Risk mapping – identification and
evaluation of business risks
• Service Commitment Reports
• Performance Summary Reports

Passionate Advocates for Peace of Mind
We professionally and passionately advocate for the "Peace of Mind" so rightly deserved by our:
• Clients
• Employees
• Insurance Carrier Providers
• Community
• Planet
We passionately believe in these core principles and beliefs:
• Shielding our Clients from risk & losses
• Attracting, coaching and advancing professional talent
• Caring for our teams and our individuals
• Building a family spirit
• Engaging and promoting responsible insurance providers
• Giving back to our communities and those less fortunate
• Befriending the planet we share

The Wood Gutmann & Bogart Difference
Broker experience, staff retention and highly trained professionals make
Wood Gutmann & Bogart a stand-out in our industry.
• Our prior experience as CPAs give us an excellent perspective on how
to solve clients’ problems with insurance programs and risk
management principles.
• Our reputation for top quality service has grown and we have
attracted excellent talent that led to our current reputation as one of
the premier regional brokers.
• Wood Gutmann & Bogart brokers are a step above; their
involvement, understanding, knowledge and risk management
practices set high underwriting standards.
• Our team is comprised of motivated, dedicated people with
resources and diversity required to solve complex business issues.

The Wood Gutmann & Bogart Difference
The lifeblood of Wood Gutmann & Bogart is the quality and skills of our sales and support staff, many
of whom have been with us for more than 15 years. We are proud that the average tenure of the
entire office exceeds 15+ years – a reflection of our high-quality culture and work environment.
PROFESSIONAL DESIGNATIONS
• Juris Doctorate (JD)
• Certified Public Accountants (CPA)
• Chartered Property and Casualty Underwriters (CPCU)
• Associate in Risk Management (ARM)
• Certified Insurance Counselors (CIC)
• Certified Insurance Service Representatives (CISR)
• Certified Advisor of Personal Insurance (CAPI)

Tribal References
Campo Band of Mission Indians (Current)
36190 Church Road #1, Campo, CA 91906
Ralph Goff — Tribal Chairman
619-478-9046
rgoff@campo-nsn.gov
La Posta Band of Mission Indians (Current)
8 Crestwood Road, Boulevard, CA 91905
Javaughn Miller – Tribal Administrator
619-478-2113
jmiller@lptribe.net
Picayune Rancheria of Chukchansi Indians (Former)
8080 North Palm Avenue, Suite 207, Fresno, CA 93711
Richard Verri — Tribal Counsel
480-889-8990
rverri@rosettelaw.com
Hopland Band of Pomo Indians (Former)
3000 Shanel Road, Hopland, CA 95449
Loretta Rosas — Former HR Director
707-396-1222
ldr009@hotmail.com
La Jolla Band of Mission Indians (Current)
22000 Highway 76, Pauma Valley, CA 92061
Denise McKenna – Finance Officer
707-396-1222
denise.mckenna@lajolla-nsn.gov
Elk Valley Rancheria (Current)
Dan Huff – Chief Financial Officer
707-465-2665
dhuff@elk-valley.com
Wilton Rancheria (Current)
Kennedy Xiong — Fiscal Officer
916-683-6000 ext. 2008
kxiong@wiltonrancheria-nsn.gov

Tribal Casino References
Chukchansi Gold Resort & Casino (Former)
711 Lucky Lane
Coarsegold, CA 93619
Christian Goode – Chief Operating Officer
goode@ivorygaming.com
716-799-2851
Golden Acorn Casino (Former)
1800 Golden Acorn Way
Campo, CA 91906
Don Trimble-Former General Manager
760-822-2252
donvickitrimble@gmail.com
Sho Ka Wah Casino (Former)
13101 Nokomis Road
Hopland, CA 95449
John O’Neill – Former General Manager
928-300-1295
onconsult@hotmail.com
Rolling Hills Casino (Current)
Dennis Kenny, CRM
530-528-3500
DKenny@rollinghillscasino.com
Santa Ysabel Resort & Casino (Closed)
22575 Highway 79
Santa Ysabel, CA 92070
Don Trimble-Former General Manager
John O’Neill- Former General Manager
*See #2 & #3 for contact information
La Posta Casino (Closed)
777 Crestwood Road
Boulevard, CA 91905
Michael Gorczynski – Former CFO
510-215-7888
Michael.gorczynski@sanpablolytton.com
Colusa Casino Resort (Former)
3770 California 45
Colusa, CA 95932
Victor Fernandez-General Manager
530-458-6805
vfernandez@colusacasino.com
Elk Valley Casino (Current)
Dan Huff – Chief Financial Officer
707-465-2665
dhuff@elk-valley.com

Service Platform
Specialized Solutions That Make A
Difference
• Value Added Services
• Loss Control & Safety Services
• Risk Management Solutions

Service Platform
Wood Gutmann & Bogart believes in a comprehensive, full-service approach to our client account
management responsibilities. We choose to “reinvest” our revenues in resources designed to provide
long term benefits to our clients and their business enterprises.
The goal of our valued added services platform is to facilitate a proactive risk mitigation program,
designed to reduce the frequency and severity of potential claims, thereby minimizing our client’s
total cost of risk. We offer these services and benefits in a customized plan uniquely designed for the
specific needs of our individual clients.
CLAIMS MANAGEMENT
• Wood Gutmann & Bogart employs a team of claims specialists who will act as your liaison with
the insurance company adjusters responsible for your claims. Given most insurance company
adjusters are handling over 175 claims per adjuster – you need this added support on your
claims! Our claims consultants will correspond regularly with the carrier adjusters and periodically
meet with you to review results, strategize and even coach your internal managers on ways to
prevent and mitigate claims. Our unique review services include, but are not limited to: claims
advocacy, developing claims handling strategy, legal correspondence. All with the goal of
providing the best service possible, closing claims and reducing your long term insurance cost.

Service Platform
RISK MAPPING SERVICES
• Our service team includes a complement of qualified professionals from a broad array of
disciplines (Juris Doctorate, Certified Public Accountants, Certified Safety Engineers, etc). These
professionals team-up to perform valuable “Risk Mapping Services” for our clients. Such services
involve the comprehensive review of our client’s risk retention and transference documents from
an insurance management perspective (contracts, contractor and vendor insurance requirements,
current insurance policy reviews and analysis, Cal OSHA safety compliance reviews and
Certificates of Insurance). We will help you to uncover and best manage the multitude of risk
exposures to your business and assets.
SAFETY PROGRAM AND INJURY & ILLNESS PREVENTION PROGRAM (IIPP) REVIEWS
• Our team of professional advisors includes uniquely qualified safety engineers who assist our
clients with comprehensive reviews, analysis and enhancements of their safety and Injury &
Illness Prevention Programs (a requirement within the State of California). Our reviews, design
and implementation of a high-quality IIPP will help protect you against the threat of Cal OSHA
and their notorious penalties and fines.
CAL OSHA COMPLIANCE AUDITS
• Our consultants will also perform complete Cal OSHA compliance audits, customized for each
client, with the express intention of documenting the client’s compliance and non-compliance
with stringent Cal OSHA regulations. Our compliance reports will include photos of potential non-
compliance concerns along with documentation of the specific regulations involved. Many of our
clients have found our audits have saved their companies tens of thousands of dollars in
potential fines from subsequent OSHA inspections.

Service Platform
MANDATORY LABOR LAW AND SAFETY POSTINGS
• As a Wood Gutmann & Bogart client, you’ll be provided all mandatory labor law postings. Our
posting service will provide updates, as required by law. You can be confident you’re in
compliance with state and federal labor laws regarding posting notices, protecting against
potential fines from regulatory agencies.
EMPLOYEE HANDBOOK REVIEW
• Our Human Resources Consultants are specialists in the development and maintenance of
employee handbooks. Our team can provide a comprehensive review of your employee
handbook and related materials. Furthermore, we can assist in the development, implementation
and maintenance of this powerful motivational and legal risk management tool.
HUMAN RESOURCES HOTLINE ON-CALL SERVICE
• When you partner with Wood Gutmann & Bogart, you’re provided a 1-800 employment hot line
service managed by our highly qualified Human Resources Consultants. Our consultants are
available to you to answer questions, provide counsel and assist you in navigating your
employment challenges. Wood Gutmann & Bogart clients are provided access to our employment
support hot line 24/7.

Service Platform
CSR24 CLIENT INTERNET RESOURCE PORTAL
CSR24 is an internet based risk management communication and resource portal for our clients.
• Wood Gutmann & Bogart Account Managers use CSR24 to electronically store information
including policies, endorsements, change requests, Auto ID Cards, vehicle, and equipment lists
and other related policy information.
• Clients can view policy information, request changes and issue several of their own insurance
form such as Auto ID Cards and Certificates of Insurance. Immediate gratification translates into
satisfied customers.
• With CSR24 you’ll be connected to the insurance information you need 24/7!
CERTIFICATES OF INSURANCE – ELECTRONICALLY MANAGED THROUGH CSR24
• Customers receive Certificates of Insurance within two hours of their request.
• Database is updated at renewal.
• With CSR24, clients are connected 24/7.

Loss Control Services
• Safety program compliance review,
development and implementation
• Customized training programs
• Forklift (train the trainer) classes for
certification
• Injury management programs
• Machine safeguarding reviews
• Product safety and liability assessments
• Material handling reviews
• Heat illness prevention
• Hazard communications program
development with new GHS standard
• Fire prevention plan
• Respiratory protection
• Bloodborne pathogen programs
• Lockout/tag out procedures development
& training
• Fleet/vehicle safety programs
• Emergency preparedness
• Ergonomic evaluations
• Loss trend analysis
• Cal/OSHA compliance and consultation
liaison
• Material handling review
• Jobsite safety surveys
• Mock OSHA inspections
• Safety training
• Safety meeting support and consultation
• Safety videos/DVDs through National
Resource Safety Center
• Accident review and investigations
• Personal protective equipment assessment
• Insurance carrier service coordinator
• Job safety analysis
• Safety incentive program design
• Interaction with local regulatory agencies
(i.e. fire department, SCAQMD)

Risk Management Solutions
Wood Gutmann & Bogart provides a
comprehensive suite of services to help you
manage your risk, build positive employee
morale and achieve a favorable claims history.
Our solutions are unique by focusing on
employee participation and increased awareness
to decrease your losses.
The key to a successful program is the delivery.
We believe this is what makes us different.
We assist our clients in developing a world-class
safety culture. A Safety Professional will
customize a process to help you achieve your risk
management goals.
Employee
Engagement
initiatives
Active
Shooter
Behavior
Based Safety
PROGRAM RECOMMENDATIONS

Our Team of
Professionals
People That Make A Difference

Our Team
John Balian, CPCU, ARM
Vice President
John prides himself on building long-term client relationships and personal
connections, as he has done for 30 years. His curiosity about business operations
across various industries has given him a view into many diverse enterprises. This
specialized experience affords his clients with innovative and leading insight
relative to serving their distinct, ever-changing business needs.
Regardless of the industry or business, John’s consultative approach is rooted in
listening to his clients, figuring out what makes their businesses tick, and
recommending proactive planning and cost effective coverages to reduce the
frequency, duration and financial impact of disruptive events. John and the team
at Wood Gutmann & Bogart work with clients to develop a culture of safety,
ensuring that appropriate coverages and essential elements for increased
competitiveness and profitability are in place.
Having earned advanced professional designations in underwriting and risk
management (CPCU and ARM, respectively), John is uniquely prepared to help his
clients calculate and avoid risk, no matter the industry.
John is graduate of UCLA and holds a graduate degree from the Annenberg
School of Communications at the University of Southern California.

Our Team
Carlos M. Morales
Director of Risk Management & Environmental Safety
Whether they hail from construction, manufacturing, food processing or any
other field, WGB clients have a unique resource in Carlos Morales – someone
who can spot a loss control or environmental concern before it leads to premium
increases, claims or regulatory action.
Your WGB account team brings Carlos in to provide a risk assessment when you
need it most, ideally before an insurance carrier or regulator comes out to
perform a site inspection. That proactive assessment may include a general
review of site conditions, risk management strategies, general liability coverage,
vehicle coverage, loss runs and ex-mods, as well as compliance with OSHA, CAL-
OSHA, EPA, AQMD and other regulators.
Carlos is passionate about his work in corporate health and safety, and he notes
that what drives him to this field is “the opportunity to make sure people go
home in a better condition than when they came in.”
Carlos gained his extensive background in corporate safety through years of
working for large companies with facilities and workforces that demand
professional safety monitoring. Most recently, as corporate safety manager for
Allied Universal Security Services, he helped the 160,000-employee company
mitigate a growing slip-and-fall problem that was escalating workers’
compensation claims. He developed a behavior-based safety program called
“Look where you step, step where you look” and formed safety committees at
every branch of the company, among other strategies. His efforts resulted in a 40
percent reduction in slip-and-fall injuries over a 12-month period.

Our Team
Carlos M. Morales [continued]
Director of Risk Management & Environmental Safety
Carlos previously worked in health and safety management for industrial processing sites including Kraft Heinz
Company, Aaron Pharmaceuticals, DRI Companies and Chicken of the Sea International. At these employers,
Carlos was responsible for worker safety as well as environmental compliance, including VOC mitigation, water
purification, ammonia by-product management and emergency planning.
Carlos holds a bachelor’s degree in business management from Pepperdine University. His many certifications
include first aid, CPR, OSHA 10- and 30-hour trainings, OSHA 3110, Hazard Analysis and Critical Control Points,
Lean 6-Sigma Green Belt, among several others. He is a certified trainer in forklift, aerial lift and scissor lift
operation as well as Smith-5 defensive driving.
Carlos is married and is a longtime Orange County resident with an interest in music, taking every opportunity
to play the piano with friends and out in the community whenever possible.

Our Team
Dena Wood-Manke, JD
Director of Claims Management
Dena Wood-Manke brings 20 years of insurance claims experience to Wood
Gutmann & Bogart. Dena earned her J.D. from Western State University College
of Law and received her undergraduate degree from California State University at
Fullerton.
Dena’s five-person team manages claims for the clients of Wood Gutmann &
Bogart and partner agencies Champion Risk and Insurance Services, Coastal
States Insurance and Silicon Valley Risk and Insurance. Dena believes in proactive
claims management and effective communication between all parties, noting her
goal is to “stop problems before they arise.”
Dena uses her combined legal and insurance background to analyze various claim
exposures, helping clients achieve timely and equitable claim resolution. She also
evaluates the carriers’ handling of claims, and strives to ensure that parties work
toward a common agenda of resolving claims with maximum efficiency, in a cost-
effective manner. And although claims mitigation can certainly be measured in
dollars and cents, Dena says her true measure of success is making clients feel
happy and secure.

Our Team
Tammy Daniels, WCCP, CPFI
Workers' Compensation Specialist
With 30 years of experience as a Workers’ Compensation Claims Professional
(WCCP), Tammy Daniels knows that effective claims management requires a roll-up-
your-sleeves approach.
Tammy’s expertise in workers’ compensation encompasses both insured and self-
insured employers. She reviews workers’ compensation claim reserves and analyzes
losses with an aggressive approach to a quick resolution; negotiates reserve
reductions, client service agreements, special claim handling instructions and claims
management; and can conduct claim audits and make recommendations for
improvement in claim handling to result in the least possible impact to our clients.
Tammy conducts workers’ compensation training on reporting of claims, early
return-to-work programs and transition to work programs, fraud and first-aid
programs. She also has expertise in workers’ compensation litigation and can assist
carriers and employers through the claims process to minimizing the impact of
losses to reduce potential litigation.
Prior to coming to Wood Gutmann & Bogart, Tammy previously held positions in
management, benefit administration and as a legal representative at the Workers’
Compensation Appeals Board. She also served as Administrator for a large
healthcare employer for Self-Insured Workers’ Compensation. She has been
advocating for employers in managing their workers’ compensation claims for over
14 years and has multi-state claims management experience, claims for Self-Insured
employers, Large Deductible, Retro policies and Guaranteed Cost.

Our Team
Tammy Daniels, WCCP, CPFI [continued]
Workers' Compensation Specialist
Tammy’s professional affiliations and designations include:
• SIP California Certified Self Insurance Claims Administrator, 1988
• WCCA Workers’ Compensation Claims Administrator, 2000
• WCCP Workers’ Compensation Claims Professional, 2010
• CPFI Certified Professional Fraud Identification, 2013
• ARM Associates of Risk Management, Currently enrolled

Celebrating 30 years
of shielding our clients from risk and
empowering their success.
Wood Gutmann & Bogart Insurance Brokers
15901 Red Hill Avenue, Suite 100, Tustin, California 92780
www.wgbib.com | Insurance License 0679263
714.505.7000 | info@wgbib.com | @WGBIB

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