Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President

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2 Left to right: William J. Quinn, Vice President Ralph J. Vanner Jr., President Ralph J. Vanner Sr., Chairman Thomas J. Vanner, Vice President

3 An Independent, privately owned, full-service insurance agency, Vanner Insurance specializes in commercial insurance, employee benefits, personal insurance, and risk management services. We are actively involved in the communities we serve. Since 1967, our clients have been our top priority, and we have built our success on understanding their specific needs and individually tailoring insurance programs to meet them. Let us create A customized InsurAnce And risk management solution for you. services Commercial Insurance Bonding Construction Workers Compensation Manufacturing Not-For-Profit Transportation Personal Insurance Marine Insurance Employee Benefits

4 commercial InsurAnce At VAnner InsurAnce, Our specialized staff can assist in the review, marketing, and placement of all lines of coverage including General Liability, Property, Automobile, Inland Marine, Property, Boiler & Machinery, Professional Liability, Workers Compensation, and Excess Liability. In addition, we work with a number of insurance companies to place the more difficult classes of business. We Offer A VArIety Of specialized InsurAnce services for the following IndustrIes: Construction Manufacturers Distributors Transportation Technology Municipal Entities

5 WORKERS COMPENSATION In the united states, businesses are required by law to purchase workers compensation insurance to protect employees suffering workrelated illnesses or injuries against lost wages and the costs of their associated medical treatment. Vanner Insurance can design a workers compensation program to fit your needs helping you manage, reduce, and control costs for employee illness and absences. We can also assist and advise in the development of a feasibility study to quantify and determine whether or not a self-insurance workers compensation program is the most appropriate fit for your business needs. MANUFACTURING A core AreA Of expertise at Vanner Insurance is designing comprehensive and innovative solutions for the risks faced by companies in the manufacturing industry. In this highly competitive arena, you need to choose your allies carefully. Our services Include: Property General Liability Workers Compensation Business Income Crime Umbrella Auto Pollution Equipment Breakdown Employment Practices Liability Manufacturer s Selling Price Domestic Export Credit Inland Marine Ocean Marine Fiduciary Liability Professional Liability Our insurance programs are specialized, so we can tailor a program to your specific needs. We also offer value added services, such as loss control and financial risk management. By developing the right solutions for your insurance needs, we can help you run your business with peace of mind. COMMERCIAL INSURANCE

6 COMMERCIAL INSURANCE NOT-FOR-PROFIT At VAnner InsurAnce, we have access to many special programs for organizations that are dedicated to helping others, and we are pleased to have some of Western New York s leading not-for-profit organizations as valued clients. We provide QuAlIty InsurAnce programs for: Social Service Agencies Mental Health Facilities Trade Associations Rehabilitation Service Providers Community Associations Other Not-For-Profit Organizations Assisted Living Homes coverages Include: General Liability Including coverage for meetings, seminars, and conventions Comprehensive Property Insurance Including property of residents Directors and Officers Coverage Including discrimination, wrongful termination, and mismanagement of organization funds Professional Liability Competitive Rates for Workers Compensation and Auto Insurance Professional Risk Management Services for Property, Auto, and Employee Safety Convention Cancellation Coverage International, Employment Practices Liability, Accident and Health, and other lines As an independent agent representing many of the country s leading insurance companies, our goal is to match your insurance needs with the program that offers the best value for your premium dollar. TRANSPORTATION At VAnner InsurAnce, we know the transportation industry inside and out, with extensive knowledge of transportation, regulatory, and risk management issues. Our team will work with you to design a comprehensive and innovative casualty insurance program for all of your risk management needs avoiding gaps and duplication of coverages, minimizing and preventing sources of loss, and limiting potential claims exposures. Our transportation InsurAnce services Include: Commercial Auto Including Workers Compensation coverage for the trucking industry Pollution Commercial Property Employment Practices Liability Business Income Inland Marine Crime Fiduciary Liability General Liability Professional Liability Umbrella Whatever your trucking, busing, or other transportation challenge, our experts can get you where you want to go.

7 BondIng surety BOnds Vanner Insurance has become a leader in contract surety by providing excellent service to our clients for bonding. Our knowledgeable staff can assist contractors both large and small, utilizing various bond markets to obtain the bonding you require. BOndIng Is critical to the construction Industry. A bondable contractor has a greater opportunity for business growth. Surety bonds are required on most large public works projects and are also widely used in the private construction sector. Commercial surety bonds represent a dynamic financial management tool for a number of enterprises, providing bonding based on character, capacity, and capital. We Offer A full line Of BOndIng services, IncludIng: License/Permits Bonds Probate/Court Bonds Fidelity/Crime Bonds Mined Land Reclamation Bonds Miscellaneous Bonds BONDING

8 construction Our construction services department is staffed with surety and insurance experts who assist contractors, developers, architects, and homebuilders by: CONSTRUCTION Reviewing and marketing their current insurance programs to obtain the most competitive and cost-effective programs Preparing bid, contract, and license bonds Developing efficient risk management programs Providing claims administration Investigating new and unexpected risks that expose profitable bids and business plans to potential losses Offering a wide range of traditional products Presenting alternative risk management strategies Risk management is a process, not a product. It approaches an organization s cumulative risks from a broader perspective than traditional, risk-by-risk assessment. By adopting a portfolio approach to risk examining and identifying the interaction of financial, operational, hazard, and strategic risk issues on a companywide basis a company s management can make better informed decisions about the costs and benefits of specific risk strategies. Our ultimate goal Is to BuIld enterprise VAlue. Vanner Insurance actively partners with our clients to create the most effective risk management approach for building that value, helping to make us the leader in construction insurance in Western New York.

9 personal InsurAnce At VAnner InsurAnce, we represent quality insurance carriers who not only provide competitive prices, but also show a genuine concern for your needs at the time you need insurance coverage the most when you have a claim. Our personal InsurAnce services Include: Auto Homeowners Condominium Flood Recreational Vehicle Investment Property Personal Umbrella Canadian Secondary Residences Our InsurAnce carriers AlsO Offer several discounts, IncludIng: Safe Driver Discount Multi-Car Discount Companion Credit If you have both home and auto coverage with the same carrier We invite you to compare our level of coverage, quality of service, and costs to your current service provider. PERSONAL INSURANCE

10 marine InsurAnce MARINE INSURANCE from personal WAtercrAft to luxury yachts, our Marine Insurance Department can customize a policy tailored to your boating lifestyle. Since Boat and Yacht Insurance contracts differ from one company to another, we offer annual policy reviews and quotations with no obligation. Because we have assisted several insurance carriers with their contract design enabling them to offer the most comprehensive coverage at the most competitive premiums we can provide you with the most superior programs available for: High Performance Yachts Personal Watercraft Marinas, Yacht Clubs, and Boat Boats Rental Operations Runabouts Commercial Hull and P&I Yachts Tour Boats and Charter Vessels Anglers Tournaments and Fishing Guides Marine Related Risks Members of United States Power Squadrons Our marine InsurAnce division Is managed By patsy cunningham, CIC, CPCU Patsy holds a United States Coast Guard 50-ton license and is a past District Commander and Senior Navigator of the United States Power Squadrons. She has over 30 years experience in Marine Insurance and boating.

11 employee BenefIts Our employee BenefIts department features licensed insurance experts and financial advisors, as well as a certified public accountant (CPA). We offer independent and unbiased opinions to help protect your assets and maximize your after tax return. Our comprehensive program Is designed to meet All Of your needs, And Includes the following services: Complete benefit and cost analysis of your current product offering Claim Report Analysis based on Industry and Community Benchmarking Recommendations based on population, claims experience, negotiated benefit levels, current offering, and classes of benefits More than 10 years experience in offering Preferred Provider Organization (PPO), Point of Service (POS), Health Maintenance Organization (HMO), and Exclusive Provider Organization (EPO) products Prospective, retrospective, and minimum premium funding Flexible Spending Accounts (FSA) Health Spending Accounts (HSA) Group Dental, Group Life, Short Term Disability (STD), Statutory Disability (DBL), and Long Term Disability (LTD) Implementation of effective, cost saving initiatives including worksite wellness, 1/2 tablet, and trial generic pharmacy programs EMPLOYEE BENEFITS

12 11 Pinchot Court Suite 100 Amherst, NY Phone: Fax: Toll Free: vannerinsurance.com