1. THE TMC ROLE IN MANAGING TRAVEL RISK Presented by Europ Assistance USA August 6, 2014

2.  TMCs & Travel Risk Management (TRM)  Overcoming Common Objections  Client Case Study AGENDA

3. TMCs AND TRAVEL RISK MANAGEMENT

4. INCREASING FOCUS ON TRAVEL RISK MANAGEMENT

5. Not “if” something happens, but when

6. KEY ELEMENTS OF TRAVEL RISK MANAGEMENT Prevention Travel Risk Intelligence Pre-Travel Training Crisis Management Planning Monitoring Traveler Tracking Travelers Alerts & Client Notifications Active Medical Monitoring Response 24/7 Medical & Security Response Advice, Assistance and Evacuation

7. COMPANIES NEED GUIDANCE

8. of companies say they don’t have a TRM program in place. 1 63% COMPANIES NEED GUIDANCE WHY? Don’t believe “it” will happen Don’t feel legally obligated Need help where to start 1.A 2011 poll of companies by StarCite http://www.executivetravelmagazine.com/articles/corporate-travel-safety

9. YOUR CLIENTS WILL LOOK TO YOU FOR SOLUTIONS As companies become more aware of their duty of care responsibility, their TMCs are a natural resource to provide a solution.

10. OVERCOMING COMMON OBJECTIONS

11. MOST COMMON OBJECTIONS I can’t afford a TRM program. We don’t need a TRM program. We’ve managed fine so far. I already have a Business Travel Accident policy, so I’m covered.

12. “I can’t afford a TRM program.”

13. Not having a solution costs more.

14. NOT HAVING A SOLUTION COSTS MORE One incident can cost more than a travel risk management program Disruptions to business travel = lost productivity and waste Ad hoc, uncoordinated response = lost time, credibility and trust Not meeting duty of care = increased liability

15. THERE IS A LOT AT STAKE of cases lost by employers who were sued by an employee (or his/her survivors) over failure to provide duty of care. 1 1.Garry Vardon-Smith, senior security advisor for the Americas with Red 24, a global security firm http://www.riskandinsurance.com/story.jsp?storyId=533337737http://www.riskandinsurance.com/story.jsp?storyId=533337737 2.Dr. Lisbeth Claus, human resources professor at Willamette University http://www.executivetravelmagazine.com/articles/corporate-travel-safetyhttp://www.executivetravelmagazine.com/articles/corporate-travel-safety of employees who would consider taking legal action against their employer in the event of a mishandled emergency. 2 87%50% MORE THAN

16. “We don’t need a TRM program. We’ve managed fine so far.”

17. Your existing situation likely has costly gaps.

18. GAPS EXIST IN COMPANIES’ TRM PROGRAMS No pre-travel training or briefings 82% No formal emergency or communication plan 81% No tracking of international travelers 66% No pre-authorization for travel to high-risk locations 66% Source: May 2012 study by ORC International on behalf of Europ Assistance USA

19. “I already have a Business Travel Accident policy, so I’m covered.”

20. Business Travel Accident alone is NOT a TRM program!

21. TRM IS MORE THAN RESPONSE Typical BTATRM Pre-trip intelligence MAYBEYES Travel assistance YES Medical assistance & evacuation YES Travel security awareness training __YES Traveler tracking __YES Proactive security alerts __YES Security assistance & evacuation __YES Decision-making authority and control __YES Full access to ongoing status updates during an incident __YES Reporting on program activity __YES Dedicated hotline for company employees __YES Customized response protocols __YES Customized portal with company-specific messaging __YES

22. CONSIDER THIS: An organization has 10 employees traveling together in a van when the van is t-boned by a bus in Italy. All 10 require emergency medical treatment.

23. CONSIDER THIS: They only have a basic business travel accident insurance policy, not a full Travel Risk Management program…

24. WITH A BTA PROGRAM ALONE… THERE IS NO REAL RISK MANAGEMENT No Information Company didn’t know about the incident until family members called. They had no way of knowing how many employees were impacted. No Coordination Company wasn’t included in the management of the cases involving their employees. No Integration No ability to tap into multiple policies to coordinate benefits and save money. No Control The insurance company made all case management and evacuation decisions, not the company.

25. QUESTIONS?