HUB International Personal Insurance

Hub International

• One of the largest in the business– #11 in North America, #1 in Canada

– More than $400 million in revenue

– 3,000+ employees, 16 hubs, 200 offices

• Providing a broad array of insurance, risk management and wealth management services

• Strong commitment to growth– 5% organic growth in 2004

– Completed more than 100 successful acquisitions in 1999-2004

• Balancing the strength of a publicly traded international firm with the accessibility of a local broker

Hub International Personal Insurance

• Specialized personal insurance practice within Hub International

• Focused exclusively on personal property and casualty risk management for individuals

• Extensive network of offices in the U.S. and Canada• Licensed in 50 states• Relationships with more than 50 insurers• Managing more than $500 million in personal

insurance premium placements (U.S. and Canada)

Value Proposition

• Thoughtful coverage analysis and placement• Extensive product portfolio• Highly trained and experienced personal insurance

specialists• Dedicated account management• Annual Review• Specialty practices

Our Consultative Approach

• Uncover client needs and risk tolerance• Identify potential risks and exposures• Review existing insurance contracts• Create customized personal risk management

program

Turning the Traditional Service Model Upside Down

Traditional Model“Policy Analysis”

HUB Personal Insurance Model“Needs Analysis”

Review

PolicyQuote Apples to

Apples

Off the Shelf Policy

Cookie Cutter Service

PersonalizedService

Customize Solution

Assemble Policy from Scratch

Review Client Needs

Service Commitment

• Differentiated Service Model targeting clients with complex, sophisticated needs

• Dedicated Account Manager providing personalized service

• Thorough Annual Review process ensuring policies are keeping pace with changing needs

• Ongoing, proactive communications and consultation

Risks and Opportunities

• Property in catastrophe-prone areas

• Multiple residences• Collector, classic or

recreational vehicles• High public profile• Domestic employees• Significant travel• Liquidity event

• Board membership• Large collection of art,

antiques, jewelry• Property in trust or with

alternate ownership• Significant personal net

worth• Large watercraft or aviation

exposures

Personal Property & Casualty Red Flags

Product Portfolio

• Homeowner including primary, seasonal and secondary residences

• Condominiums, Cooperatives and Renters• Valuable Articles• Automobiles and Recreational Vehicles• Personal and Excess Liability• Watercraft• Flood, Wind and Hail, Earthquake

Specialty Products

• High Limit Liability• Aviation coverage• Farm, Ranch and Equine• Yacht• Small Commercial• Family Office Liability Packages• Personal Directors and Officers Coverage• Kidnap and Ransom• International Property

Key Carrier Relationships

• ACE• Chubb• Encompass• Fireman’s Fund• Hartford• Progressive• Safeco• Travelers

Marketing Strategy

• Strategically align with business partners who value insurance consultation for their clients

• Create a joint business plan• Target affluent and high net worth individuals• Deliver differentiated products and services to

acquire and retain personal insurance clients

Business Partner Benefits

• Customized personal insurance solutions from a recognized leader in the industry

• Convenient local access to personal insurance specialists

• Comprehensive Risk Analysis and Annual Review for clients

• Proactive relationship management