TNC Capabilities Brochure

Leadership in the right direction.

Since 2001, TrueNorth has focused on providing sound unwavering direction for our clients, employees, and market partners. Building upon our heritage, we provide a dynamic entrepreneurial operating platform that promotes a best in class experience. Our model has enabled us to more than quadruple our sales and expand our presence to over ten offices throughout the nation. In addition, our 20/20 Vision initiative establishes a goal of over $1 Billion in premiums and doubles our staff to over 400. Such growth-oriented goals allow us to reinvest in innovation, better support our team, provide top-notch customer service, and enjoy an advantage with insurance carriers.

Another focus at TrueNorth Companies is to hire, train, and retain the very best team members. We believe “People will determine who wins.� Our ability to attract the best in our industry has led to a team of specialists, working together under one roof, to help our clients protect and maximize their assets, utilizing our integrated solutions approach.

TrueNorth has a big vision. Be a part of it.

Please contact our team and let us know how we can best serve you.

Sincerely, Duane J. Smith President/CEO

Our vision is to set the industry standard for excellence, transform the lives of everyone we encounter, and build an enduring legacy for our families and community.

EMPLOYEE BENEFITS | RISK MANAGEMENT | TRANSPORTATION | FINANCIAL STRATEGIES

Our clients face great risk and big opportunities. They seek leadership, integrity and real results. For over a decade, TrueNorth has met and surpassed our clients’ needs by providing innovative strategies and a personal connection to those we serve.

Whether you’re an individual or a business, our integrated platform of risk management, employee benefits, and financial strategies creates a multifaceted approach to address today’s ever-changing complexities.

Welcome to TrueNorth.

We have a vision... with you in mind.

No matter your direction—TrueNorth, will lead the way.

Are you often plagued by the What Ifs? Today the cost of risk to your personal property, employees, or customers goes beyond basic risk management solutions. The road to security begins with a guide pointing you in the right direction.

Comprehensive Risk Management Unique Services.

Innovative Solutions.

TrueNorth has built a team of risk management professionals that are able to evaluate, understand and reduce your risk. We pride ourselves on the professional advice, advocacy, and unique services that help safeguard that which is most important to you.

In addition to being a full-service agency, we offer specialties in: • Bonds • Property & Casualty • Construction all business types • Medical/Malpractice • Tribal Nations • Workers Compensation

We • • • • • • • •

TrueNorth is proud to insure:

$740 million in home values >12,000 autos

>4,000 businesses

provide the following coverage Aviation • Bonds • Commerical Auto • Cyber Liability Directors and Officers • Liability • Employment Practices • Liability • Errors and Omissions • Flood

solutions: General Liability Inland Marine Loss Control & Safety Engineering Medical Malpractice Professional Liability Property Umbrella Workers Compensation

For individuals, we offer the following policies & 24/7 service: Home Vehicle • Homeowners • Auto and Motorcycle Insurance • Condominiums • Recreational Vehicles • Renter’s Coverage • Classic Cars • Vacation Homes • Watercraft • Mobile Homes • Powersports • Flood Insurance • Towing • Rental Reimbursement Other Available Coverage • Equipment Breakdown • Personal Umbrella • Lease/Gap Coverage • Water/Sewer Back-Up • Scheduled Personal Property • Identity Theft Coverage • In-Home Business Coverage

Over the last 25+ years, TrueNorth has earned the opportunity of working with some of the highest quality Transportation companies in the nation to architect, advise, and administer Enterprise Risk Management Strategies. By staying true to our mission, we have built an industry leading Transportation Risk Management practice.

Transportation Industry Focused. Client Centric.

Driven Results.

Our mission: To assist transportation companies and their people with protecting and maximizing assets, resources and opportunities. TrueNorth Transportation embraces the challenges transportation companies face when balancing concerns and motivators within a complex national operating environment. Given the various risks that a transportation company is exposed to, building a cohesive transportation risk strategy is more of an “art” than a “craft.”

TrueNorth delivers on its mission via client-centric teams of integrated specialty practices leveraging people, systems, and processes. We DRIVE your transportation risk strategy so you can focus on hauling freight and delivering goods safely and profitably.

SERVICES & SOLUTIONS WITH YOU IN MIND CORPORATE INSURANCE & RISK FINANCING

DIRECTOR

TRUCKERS

OF

IC

SERVICE

RISK

ASSOCIATION

CLIENT WHY TRANSPORTATION COMPANIES CHOOSE TRUENORTH: Experience and Knowledge • 70+ Specialized Team Members • National client base of high quality transportation companies • >37,000 Leased Owner-Operators Clout with Transportation Insurance Markets • $190+ Million premium placements Proprietary Risk Solutions OverDrive: Web-based administrative solution INERGY: Proprietary claims intake and business intelligence tool Integrated Workforce Optimization: Integrates safety and profitability ICX/Independent Carrier Extension: Maximizes alternative capacity

RISK SOLUTIONS BENEFITS

NAVIGATOR

Since 2001

>33%

of the top For-Hire motor carriers have worked with TrueNorth Transportation

Employees are a critical part of every organization, and you want to make sure you attract and retain the best. What do good candidates look for in an employer? What do employees need to stay long-term? How can you exceed their expectations? One piece to the employee recruitment and retention puzzle is a strong group benefits program.

Employee Benefits Clarity. Control. Capability.

The Benefits Navigator™ is our landmark corporate risk management program that simplifies the experience for employers and employees in the areas of Cost Management, Compliance, Employee Engagement and Administration.

For our business clients, we offer help in • Group health fully-insured • Group health self-funded • Health and Welfare Fee-Based Consulting Services • Health savings accounts (HSAs) • Health reimbursement accounts (HRAs) • Taft Hartley Trust Administration • Dental • Vision • Pharmacy • Group life and accidental death and dismemberment • Short-term disability • Long-term disability • Long-term care • Section 125 • Employee assistance program • Voluntary benefits • Employee communication strategies • Benefits benchmarking tools • Automated enrollment options • HR tools and assistance • Corporate wellness programs/strategies

When engaging with TrueNorth & the Benefits Navigator™ process, clients see

level or lower costs after only three years using the plan design

For our individual clients, we offer individual health insurance policies like • Health Savings Accounts (HSAs) • Major medical • Medicare supplemental and Medicare Advantage PPO options • Prescription drug plan • Medicare supplements with select hospitals • Personal dental plan

The financial strategists at TrueNorth gain a deep understanding of both your individual and firm objectives and design customized plans to meet those needs. Our personalized approach, The TrueNorth Solution™, provides confidence and direction, for you, your employees, and their families.

Financial Strategies Confidence. Focus. Direction.

Qualified Retirement Plans • 401(k) Plans • Profit Sharing Plans • Money Purchase Pension Plans • SIMPLE Plans • New Comparability Plans • ESOPs • Defined Benefit Plans • 401(k) Overlay Non-Qualified Plans Wealth Management • Investment Portfolio Management • Risk Management • Asset Protection • Retirement Income Planning • Executive Services and Stock Options • Financial Planning Coordination

Our retirement programs serve:

5000 individuals

$1 Billion in-force life insurance

a 1/ of billion 4 dollars of assets under management

Executive Benefits and Succession Planning • Business Succession • Estate Planning • Personal Financial Planning • Key Employee Benefits • Supplemental Executive Retirement Plans • Executive Compensation Strategies • Life Insurance Optimization

TEGRATED SOLUTIONS SOLUTIONS INTEGRATED WITH SPECIALISTS WITH SPECIALISTS PROPERTY & CASUALTY RISK MANAGEMENT

Whether you’re an individual or a business, our integrated platform of risk management, employee benefits, and financial strategies creates a multifaceted approach to address today’s ever-changing complexities.

EMPLOYEE BENEFITS

TRANSPORTATION

SPECIAL SOLUTIONS

RETIREMENT PLANS

CONSULTING & EDUCATION

Let TrueNorth help you meet your objectives – today, tomorrow and into the future. Contact one of our experts today to get started.

STRATEGIC CONTINUATION PLANNING INDIVIDUAL SOLUTIONS

TrueNorth® Home Office 500 1st St SE Cedar Rapids, IA 52401 800-798-4080 We’re proud to have offices all over the country. For more information and the location nearest to you, please visit truenorthcompanies.com