The document discusses an alternative approach to insurance and risk management that focuses on adding value to organizations rather than just purchasing policies. It outlines how traditional insurance renewal processes do not benefit businesses and proposes a new "Project 2011 and Beyond" that involves developing customized risk management programs through risk analysis and mitigation strategies. The goal is to partner with companies to lower their overall insurance costs and risks through proactive measures rather than just providing transactional insurance services.

1. Project 2011 and Beyond Learn how to make insurance work for you… finally! A discussion on why insurance policies do not make your business any money, and how to harness risk management to transform your organization. the Arizona group

2. Learn how to make insurance work for you… finally! Risk Management? Never heard of it. Contents 1. The process 3 2. Sick of the insurance game 4 3. What is insurance 5 4. Are you receiving value 6 5. Project 2011 and Beyond 7 6. Risk reversal 8 7. Adding value to your 10 organization the Arizona group

3. Is this the process you are used to? Renewal: you talk with your agent, or their assistant, on the phone update your exposures decide if you want to fill out supplemental applications to shop your insurance end up with the exact same policy limits and coverage with a different carrier’s name on the quote compare whether you are getting a lower price for the same coverage wait until the last day, or even the day of your renewal to get a quote Service: Call your agent for a certificate of insurance an ID card billing questions evidence of coverage Throughout the year: see your agent once or twice throughout the year to “see how things are going” wait for the new policy to show up via mail around 5 months after your renewal (or not at all) place the policy up on the shelf to collect dust hope that you don’t have to go through that process again until next year the Arizona group

4. Are you sick of the insurance game? Are you: Sick of that process? Sick of waiting until the last minute to get a quote? Sick of paying for a necessary evil? We all know there is risk in doing anything in life. Whether it’s driving down the road, jumping out of an airplane or in business. Can you control these risks? Of course you can! 1) You can buy a car with the best crash test ratings, you can wear your seatbelt, you can drive at the speed limit, you can get specialized driver training, etc, etc, etc. 2) You can research the best skydiving operation, you can choose to jump with a professional, you can practice in wind tunnels to see if you are up to the challenge or you can choose not to jump… You have a choice with your insurance and risk management too. the Arizona group

5. What is insurance? Insurance is the equitable transfer of loss from one entity (the business or person) to another (the insurance carrier) for payment. Insurance is only a small portion of your overall risk management program. You are spending over 90% of your time working on the transactional process of buying insurance which does not affect your controllable risk. What value does your organization receive from an insurance policy? the Arizona group

6. Are you receiving value? You know how much you are paying your Accountant. You know how much you are paying your Attorney. Now I ask you, how much are you paying your Insurance Agent? the Arizona group

7. Project 2011 and Beyond Things you will ask: How is insurance aligned with what I need to accomplish this year? Is insurance a big priority? Is there any urgency? How can this person be any different than what I already have? Is this simple? Or will this take so much effort it’s not worth it? The insurance policy is the easiest part of the process; an auto is an auto, your revenues are your revenues, your class code is what it is. We want to look at your business and place the insurance policies to the side to focus on tangible results that affect your bottom line through Risk Management. We want to listen and learn what is important to your business operations and understand your actual risks. We want to work with you to make decisions on how to mitigate the risks internally. For those times where you cannot remove the risk (like a fire to your building), we can transfer that risk to an insurance company that will actually fight on your behalf. We will develop a service contract to execute the priorities for your Risk Management program. the Arizona group

8. Risk Reversal Let me ask you what’s more important? Property coverage – or business contingency planning? Equipment coverage – or value of actual equipment? Certificates of insurance – or contractual agreements that protect your company? General liability coverage – or safety meetings? Auto coverage – or driver safety training? the Arizona group

9. Risk Reversal What about an actual evaluation of your building limits? An actual appraisal instead of a guesstimate? What about visiting production lines, job sites or your operations with a loss control expert to offer advice and guidance; not “recommendations” that have to be fulfilled or your policy will be cancelled? What about having someone who can actually act as an outsourced risk partner in your business at no additional cost other than your current premiums? the Arizona group

10. Adding value to your organization! This is Project 2011 and Beyond! We are no longer going to act as a purchasing agent for an insurance policy. We no longer accept the status quo. We know that times have changed and we need to approach our business differently. We are going to partner with companies that want a true Risk Management solution for their business. This is about your business. If you succeed, we succeed. If you lower your overall insurance burden, we have done something positive for your business. That’s what you can, and should, expect from us. Are you ready to change the game? David Heiman (480) 633-6679 [email_address] the Arizona group