1. Schauer Group, Inc Risk Management & Insurance

2. Presenters Joseph D. Schauer, CPCU, ARM Practice Leader Risk Management Ron Van Horn, CPCU Practice Leader Oil & Gas

3. Commercial Insurance Employee Benefits Risk Management Enterprise Risk Management Executive Personal Insurance Schauer Group, Inc.

4. Established in 1919 Licensed in 40 states Industry Expertise Aviation/Aerospace Construction Oil & Gas Environmental Manufacturing/Distribution Healthcare Non-Profits Law Firms Accounting Firms Schauer Group, Inc.

5. Schauer Domestic Business

6. International Placements Argentina Australia Brazil Canada China Czech Republic France Germany Hong Kong Hungary India Indonesia Italy Japan Luxembourg Mexico Netherlands Poland Romania Russia Singapore South Africa South Korea Spain Taiwan Thailand Turkey United Kingdom Venezuela Vietnam

7. Schauer Overview Top 4% Insurance Agencies Nationally Best Practices Industry Best Practices

8. The Nations First ISO Registered Independent Insurance Agency Certified since 1998 Customer focused quality objectives Continuous improvement of internal processes Focus on training and education of our staff

9. Insurance Company Partners

10. Oil & Gas Division Division Overview Industry Served Lease Operators Non-Operators Drilling Contractors Suppliers Haulers Environmental/Waste Removal Service Contractors Specialty Insurance Companies Risk Management Service Platform Exposure Analysis Indemnity Clause Compliance Certificate Tracking & Management Claims Management Risk Control

11. Presentation Overview Master Service Agreements Insurance Coverage Requirements Limits of Insurance Insurance Policy Endorsements Other Specialty Insurance How to Purchase Insurance

12. Master Service Agreements Function and Purpose Areas of Focus Terms and Conditions Indemnity Clause Insurance Clause

13. Well Operator Well Operator (Owner) Liability transfer Drilling Contractor Accepts liability Liability transfer Drilling Sub- Contractor Sub-Contractor Accepts liability

14. Insurance Coverage Requirements General Liability Insurance Coverage/Legal liability for: 3 rd Party Property Damage 3 rd Party Bodily Injury Required Limits of Insurance $1m per occurrence $2m annual aggregate

15. Insurance Coverage Requirements Automobile Liability Insurance Coverage/Legal liability for: 3 rd Party Property Damage 3 rd Party Bodily Injury Required Limits of Insurance $1m per accident

16. Insurance Coverage Requirements Workers Compensation Statutory coverage Provide Protection for Employee Injury Ohio employers Directly from the State Fund Qualified Self-Insured Employers Liability Coverage Intent Provide Protection for Allegations of Employer Gross Negligence Required Limits of Insurance $1m Disease $1m Accident $1m Disease Aggregate

17. Insurance Coverage Requirements Umbrella or Excess Liability Insurance Required Limits: Varies UmbrellaExcess General Liability Automobile Liability Employers' Liability General Liability

18. Insurance Policy Endorsements Additional Insured Language Primary Non-Contributory Completed Operations Waiver of Subrogation

19. Specialty Insurance Requirements Environmental/Pollution Liability Contractors Pollution Liability Coverage Site Pollution Liability Coverage Transportation Coverage Nonowned Disposal Sites

20. Specialty Insurance Professional Liability Coverage Not bodily injury or property damage insurance Errors & Omissions Architects Engineers Surveyors Attorneys Accountants

21. Specialty Insurance Executive Liability/Wrongful acts coverage Directors & Officers Employee benefit plan fiduciaries Employment related practices

22. How To Buy Insurance Find a Qualified Agent Industry Expertise Education Service Capabilities Insurance Market Access Identify Risk Exposures Conduct an Analysis of Current Program

23. Questions