TRANSPORTATIONTrucking

Version 2.0 2016.05.18www.cfins.com

RISK ENGINEERING

Trucking Risk Management

Evaluation and Consultation Services Our Risk Engineers have the experience needed to help you identify the exposures and hazards in your operation and offer risk control measures to either minimize or eliminate them. We can help you address:

• Companysafetyandhealthprogramassessments • Customereducation • VehicleoperationsandcompliancewithFederal MotorCarrierSafetyregulations

• DOTcomplianceassistance • Leasingoperations • DiscountsandsubsidiesonAccidentEventRecorders andOn-BoardCameraSystems

• Documentation,includingaccidentreportingkits • Lossanalysis • Accidentinvestigation • Returntoworkprograms • OSHAprograms • Workerscompensation

Employee Training ResourcesCrum&Forsteroffersmanytrainingresources.Theyinclude:

• On-sitesafetymeetings,whichyoucanrequesttoassist withgeneralemployeeawarenessortrainingfora specificneed

• Safetyarticles,somethingthatwecontinuouslydevelop and email to keep you informed of relevant safety messages or industry alerts

• Onlineinteractivedrivertraining • DVDsafetytrainingvideos • GetOutAndLook(G.O.A.L.)mirrordecalprogram • 1-800-How’sMyDrivingprogram

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RISK ENGINEERING

Since1822,Crum&Forsterhassuccessfully anticipatedwhat’snext.Ourinsurancepolicyis our promise to help you – the policyholder – in the eventofaloss.Itgivesyouafuturebenefitthatyoucancounton.ButC&Fofferssomethingmore.OurRiskEngineerscanhelpyouroperationrightnow.

Beforeyoueverencounteraclaim,ourRiskEngineerscan meet you and identify actual and potential loss sources.We’llconductathoroughstudyofyour companythatincludesexposures,hazardsand accidenttrends.Togetherwe’llreviewyourcurrent losspreventionefforts,physicallocation,lossinformationandotherbusinessrecordstopinpointfundamentallosscauses.Thenwe’llcreateanactionplanwithpracticalrecommendations to strengthen existing safety programs.Wecanmaintainanongoingreview of it to evaluate progress and effectiveness. We canevenconductalegalexposurereviewof yourcompany’sagreements.Everythingwe do is aimed at putting into place an effective losscontrolstrategythatworksconsistently overtimetoloweryouroperation’sriskofloss.

Our highly specialized Risk Engineers are strategically located throughout the country and have the experience,trainingandprofessionalismtoprovideriskmanagementsolutionstomeetyourbusinessneedsandcontributetoyoursuccess.Theyhaveonaveragemorethan20yearsindustryexperience,manywithrolesdedicatedtosafetyandtraining.Andweinvestnotonlyinourinsureds,butintheindustry. Wearemembersofandparticipateinmanystate associations and regularly present at industry conventionsandevents.Theseconnectionsand experienceareinvaluable,andarekeyinassistingyou indevelopinganddeployingamodern,up-to-datesafety and training program.

Oursolutionsarebothinnovativeandestablished.Whetherit’sAccidentEventRecorders(AERs)to help identify vehicle accident causes and tailor safetytraining,digitaltrackingsystems,oronlinevideotrainingtoassureOSHAcompliance,we bringyouthelatesttechnology.MatchedwiththeexperienceofourRiskEngineers,youroperation benefitsfromtheengineeringawarenessbuilt over a lifetime and cutting edge safety science.

C&F RISK ENGINEERS UNDERSTAND YOUR BUSINESS

Contact InformationKimberlee Bissegger Director,RiskEngineering

b:+1.916.201.3318 m:+1.916.201.3318Kimberlee.Bissegger@cfins.com

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Claims 24-hourtollfreenumber1.800.392.1970

Trucking Risk Management

Anyusersofthesetrainingmaterialssignifytheirunderstandingofandassenttothefollowing:These materialsarenotintendedtoreduceauser’sburdenintrainingpersonnel.Eachuserengaginginsuchtrainingactivitiesbearsfullresponsibilityforhis,heroritsowntraining,educationandaccompanying materialstoensureboththeaccuracyofthetrainingandmaterialsandcompliancewithallapplicable local,state,andnationallawsandregulations.Thesematerialsarenotintendedtoreplaceanytraining oreducationthatusersmaywishorneedtoprovidetotheirpersonnel.ThecompaniesofCrum&Forster,theirdirectors,officers,employees,technicalpersonnel,advisors,consultants,agentsandstaff(collectively,“Representatives”),shallnotbeheldliableforanyimproperorincorrectuseofthesetrainingmaterialsandassumenoresponsibilityforanyuseofthem.InnoeventshallCrum&ForsterortheirRepresentativesbeliableforanydamageshowevercausedandunderanytheoryofliabilityarisinginanywayoutoftheuse ofthesetrainingmaterials,evenifadvisedofthepossibilityofsuchdamage.Thisdisclaimerofliability applies to any damages or injury. Information in the training materials may include technical inaccuracies ortypographicalerrors.ThecompaniesofCrum&ForsterortheirRepresentativesmaymakeimprovementsand/orchangesintheproducts,servicesand/orjobaidsdescribedinthesematerialsatanytimewithoutnotice.Thesetrainingmaterialsareprovided‘asis’withoutwarrantyofanykind,eitherexpressedorimplied,including,butnotlimitedto,theimpliedwarrantiesofmerchantability,fitnessforaparticularpurpose,ornon-infringement.Somejurisdictionsdonotallowtheexclusionofimpliedwarranties,sotheaboveexclusionmaynotapplyinsuchjurisdictions.NeitherthecompaniesofCrum&ForsternortheirRepresentatives warrantormakeanyrepresentationsregardingtheuseortheresultsoftheuseofthematerials,orthe accuracy,adequacy,completeness,legality,reliability,orusefulnessofthetrainingmaterials.

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ThismaterialisprovidedforinformationpurposesonlyandisnotintendedtobearepresentationofcoveragethatmayexistinanyparticularsituationunderapolicyissuedbyoneofthecompanieswithinCrum&Forster.Allconditionsofcoverage,terms,andlimitationsaredefined and provided for in the policy.TheC&Flogo,C&FandCrum&ForsterareregisteredtrademarksofUnitedStatesFireInsuranceCompany.

Version 2.0 2016.05.18

RISK ENGINEERING