Introduction to R K Harrison & CLA Insurance Services

Introduction to R K Harrison &
CLA Insurance Services
Insurance you can rely on. A company you can trust

RKH Group Overview
R K Harrison Group Limited, with its four subsidiaries, is a leading independent
insurance and reinsurance broker, specialising in providing bespoke solutions to
businesses, insurance brokers, trade associations and private individuals, both in
the UK and internationally.
The Company remains privately owned by its senior
professionals who are committed to building the business
as the independent choice across a broad range of specialist
disciplines.
R K Harrison Group Limited is the directly authorised firm,
providing a central service platform from which all Group
managerial, operational, financial, regulatory and compliance
matters and services are provided to our trading companies.
Key Facts
• Founded in 1882
• Independent and privately owned
• Sixth largest producer of income to Lloyd’s
• Premium handled for 2009/10 circa £1bn (USD1.75bn)
• Claims paid in 2009/10 exceeded £400m (USD740m)
• Total revenue for 2009/10 circa £67m (USD123m)
• 4 broking companies, operating from 7 offices across the
UK and in Bermuda
• Circa 500 staff across the Group
Recent Achievements
• Winner - Broker of the Year
Reactions London Market Awards 2010
• Winner - Broker of the Year
Reactions London Market Awards 2009
• Winner - National Broker of the Year
Insurancetimes Awards 2009
• Winner - Broking Initiative of the Year
British Insurance Awards 2008
• We were the sixth largest producer of income into
the Lloyd’s Market in 2008
Group Revenue Growth
(financial year to end of June)
Group Revenue Growth
Revenue (£m)
70
65
60
55
50
45
40
35
30
25
20
15
10
5
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Financial year to end of June
Group Income by Territory
Year Group ending Revenue June 2010 by Territory
(year ending June 2010)
UK
27%
%
Rest of World
23%
USA
50%
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R K HARRISON INSURANCE SERVICES

RKH Group Overview
Corporate Structure
Group
R K Harrison Group Ltd
Insurance
Brokers
Insurance
Services
Financial
Risks
R K Harrison Insurance Brokers Ltd
R K Harrison Insurance Services Ltd
R K Harrison Financial Risks Ltd
Bowood Insurance Brokers Ltd
R K Harrison Insurance Brokers Limited
RKHIB is the Group’s Specialty Lines broker encompassing our London
based Casualty (including Healthcare and Executive & Professional
Liability), Claims, Construction, Energy, Marine, Property and Treaty
Reinsurance teams plus our Property and Casualty teams located in
Bermuda.
R K Harrison Insurance Services Limited
RKHIS develops innovative, bespoke, market-leading products and
services for private individuals, businesses, trade associations and
professional intermediaries across the UK.
R K Harrison Financial Risks Limited
• Bermuda
• Casualty
• Claims
• Construction
• Commercial
• Farms & Estates
• Fine Art
• Energy
• Marine
• Property
• Treaty Reinsurance
• Private Clients
• Trade Associations
RKHFR specialises in arranging Political Risks, Structured Credit and
Trade Credit & Bonds insurance, and is complemented by our Specialty
Reinsurance team. RKHFR is the largest independent trade credit
broker in the UK and provides solutions for clients around the world.
• Political Risks & Structured Credit
• Specialty Reinsurance
• Trade Credit & Bonds
Bowood Insurance Brokers Limited
BIB operates as the Group’s specialist delegated authority provider to
third party intermediaries and Managing General Agents, handling a
worldwide delegated authority portfolio including catastrophe and
non-catastrophe classes, commercial and personal lines.
• Specialty Programmes
R K HARRISON INSURANCE SERVICES 3

RKH Group Culture
“...to provide a platform for talented people to
deliver expertise and personal service to clients...”
The senior management, in their
consideration of the potential
management buy-out of the business,
identified the opportunity to build a
strong independent insurance broking
business that would be a credible
alternative to its global competitors.
R K Harrison has focused on attracting
high calibre teams and individuals
across a range of disciplines which
has enabled us to develop a strong
product line, an impressive client
portfolio and an enviable reputation.
This in turn allows R K Harrison to
continue to attract further individuals
to perpetuate the process. This focus
has provided a solid financial basis with
which to create shareholder value and
commitment to our clients.
R K Harrison is totally committed to
providing its clients with the highest
standards of professional service. We
are also fiercely independent and have
access to the world’s most versatile and
advanced insurance markets, ensuring
we remain innovative and competitive
at all times.
Our dynamism comes from our
adherence to our Principles and
Values.
Principles
Values
Our People
• We seek to attain the highest quality workforce in the
insurance broking industry by selecting and employing
talented staff throughout the firm
• We seek to promote leadership that achieves our
corporate objectives
Our Performance
• We seek to develop profitable business to become the
leading player in each area in which we operate
• We seek to develop and continuously improve products,
processes and services
Our Process
• We provide customer-focused internal organisation and
processes
• We seek to achieve effective communication
throughout all areas of the firm, and with our customers
• To be customer focused
• To listen to the customer, understanding their needs
and requirements
• To strive to ensure we bring expertise, honesty, fair
dealing and competence to the fore in everything we
do
• Where permitted, to conduct our business without
being rule bound, encouraging versatility of thought
• To have a “can do” attitude, to be always willing and
always aim to meet the needs of the customer
• To maintain clear direction and priorities
• To be creative and imaginative by challenging traditional
methods of operating
Our Perspectives
• We seek to achieve the highest levels of customer
satisfaction
• We seek to establish lasting relationships with customers
and underwriters
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R K HARRISON INSURANCE SERVICES

RKH Group Differentiators
“...we can react quickly and efficiently...”
Independence
We are independent in a marketplace where the consolidation of our competitors means
diminishing options for our customers to obtain independent advice on their programs:
• We provide a strong second opinion unencumbered by any conflict of interest
• We do not have a pipeline of business flowing from a “parent” company, so we are not complacent
about winning and maintaining our business
• We prioritise being at the forefront of developing innovative ideas, processes and products
Privately Held
We are committed to remaining private for the long term, so that:
• We can react quickly and efficiently to the changing environment in the marketplace
• We can finance our plans without relying on outside sources
• We can take a long-term view of the business
• We are not hindered by reporting to outside analysts and shareholders
Market Presence
We are a force to be reckoned with:
• We are an award-winning broker
• In the lines in which we operate, we are typically the leading independent and a top 5 producer to
our major underwriters
Teamwork
We employ only the highest calibre individuals in the market, enhancing their contribution through
the following:
• We operate in an open environment where all members of the team work closely together and
share the same culture of open communication and co-operation
• We can demonstrate stability of management and staff since we have been in operation
• Our claims and servicing teams are fully integrated within each Division
Performance
& Recognition
Since the management buy-out in 1999 we have:
• Built an extensive client portfolio
• Maintained an exceptionally high client retention level
• Grown revenue and profit year on year
• Expanded our product lines each year
• Become recognised as brokers of tough to place accounts
• Earned respect from all our markets for integrity and grit
• Earned recognition from our markets and customers for our claims and servicing excellence
R K HARRISON INSURANCE SERVICES 5

R K Harrison Insurance Services
“...developing innovative, bespoke, market
leading products...”
R K Harrison Insurance Services Ltd is the UK retail division of R K Harrison Group Ltd. We specialise in developing innovative,
bespoke, market leading products and services for businesses, private individuals, trade associations, affinity groups and
professional intermediaries across the UK.
R K Harrison Insurance
Services
Rural
Private Clients
Fine Art
Commercial
Wholesale Solutions
Rural
• We have a significant reputation within the rural sector
specialising in providing solutions for land owners, farms,
estate and rural based businesses. We are the appointed
brokers for:
Private Clients
• We are one of the leaders in arranging insurance for
private individuals across the UK with a wealth of
experience and a long tradition of serving the most
discerning clients.
Fine Art
• We help clients that have a specific need to cover
exceptional items of fine art and jewellery, where they
cannot be adequately insured by a standard contents
policy.
Commercial
• Our commercial division caters for all types of business
from SME’s to large PLC’s including rural businesses.
• We are involved in many trades and industries with a
significant expertise in:
Print, Plastics, Property Owners, Manufacturing,
Engineering, Technology, and Food & Drink
• We have significant experience in developing bespoke
insurance programmes for a range of Trade Associations
and Affinity groups such as:
Wholesale Solutions
• Our team offer a range of specialist Commercial and
High Net Worth insurance solutions to the insurance
intermediary market.
Awards
9
FINALIST
The definitive mark of achievement
National Broker of the year
Commercial Lines
Broker of the Year
Commercial Lines
initiative of the Year
Broking
Initiative of the year
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R K HARRISON INSURANCE SERVICES

Our Rural Credentials
“We offer complete transparency in our dealings
with our customers. We are innovative and act
with uncompromising professionalism....”
We have over 40 years of involvement in arranging insurances for a
wide range of risks for the rural community. As a result we have an
established book of business that encompasses large estates, farms,
smaller land owners and businesses based in or serving the rural
community. In addition we have developed our Fine Art and Mid to
High Net Worth business recognising their intrinsic link as part of the
specialised risks associated with people living in the countryside.
Our rural activities represent a significant portion of our total income
and is a core constituent of our overall business.
We continually strive to provide products that are ‘best of breed’ and
deliver exceptional levels of customer service. This focus has meant
that our clients stay with us – we have an extremely high client
retention rate.
We offer complete transparency in our dealings with our customers.
We are innovative and act with uncompromising professionalism.
Our experience and knowledge in this field has allowed us to build
strong relationships with some of the leading Land Agents in the UK.
We are also the exclusive appointed provider of general insurances for
the Countryside Alliance and the CLA (Country Land & Business
Association).
CLA Insurance Services
In 2002 R K Harrison was appointed to
exclusively look after and develop the general
insurance interests of the Country Land &
Business Association one of the leading
membership organisations supporting land
owners. This resulted in the creation of a unique
partnership and led to the establishment of
CLA Insurance Services (CLAIS).
In the intervening years since its inception the
member service has grown to a level where
CLAIS now looks after in excess of 4,000 policies
for over 3,000 members and renewal
retention has consistently been around 95%.
These figures indicate the high satisfaction
levels generated by both the quality of
customer service and the competitive
premiums being provided.
The CLA now views CLAIS as an integral part
of their operations and collaborates on joint
strategic ventures aimed at increasing member
awareness of the exclusive insurance products
and services.
R K HARRISON INSURANCE SERVICES 7

Markets and Products
The knowledge and expertise we have built up over the years has meant that strong
relationships have been developed with a panel of insurers which enables RKHIS
to give independent professional advice whilst negotiating extensive cover at
competitive rates.
Our innovative approach means we can offer exclusive products often including covers not readily available in the open market
with the ability to handle the risks associated with the diversified activities now taking place in the countryside.
To highlight our approach to improving cover and benefits this year we have updated and introduced a number of new
products:
Estate Protector -
offers those running large estates, insurance protection with
the flexibility to cover not only the farming risks, whether
this is arable, livestock or mixed, but also commercial and
residential property assets and the increasingly diverse range
of other business activities that operate in these modern
times.
Rural Land Select –
provides cover not only to help protect your personal
property but also your business assets, liabilities and profits.
It has been designed specifically for those members with a
large number of acres who require wide ranging cover to
include the diverse activities which take place on your land.
Rural Home Select –
created for those with a home and several acres of land who
have extra interests such as running a holiday let, or have
outbuildings used as business units, or let land for grazing.
Rural Motor Select –
cover can be arranged for a family or commercial fleet
whatever the size comprised of private cars, commercial
vehicles and agricultural vehicles. The policy benefits include
a dedicated 24/7 claims helpline, an approved repairer facility,
courtesy cars and uninsured loss recovery.
Rural Commercial Business –
we offer a range of policies designed to give rural businesses
insurance cover to protect their assets, liabilities and profits.
Due to the diversity of trades and professions each policy is
tailored to meet the client’s own specific requirements taking
into account the size and type of business involved.
Risk Management –
we have access to a range of additional services to help
further protect clients’ interests including Health & Safety,
Employment Advice, Disaster Recovery Planning and Driver
Training.
Rural Home –
has been created for clients who require insurance protection
for a larger private home where the contents can include
items such as fine art, antiques and valuables. The cover for
home contents is on a worldwide basis and travel insurance
is also available for the client and their family.
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R K HARRISON INSURANCE SERVICES

Our Rural Team
RKHIS Senior Management Team
Our Senior Management team are responsible for the day to day running of our UK business, they are:
Stuart Rootham
Managing Director
Peter Currell
Board Director –
Responsible for Service Delivery
Our Locations
RKH Group has offices in Bedford, London, Salisbury, Birmingham, Leeds and Glasgow. We also have dedicated rural staff based
in the Cotswolds and North Yorkshire.
Client Relationship Management Team
Our Client Relationship Management team are situated
strategically across the country, with responsibility for
managing our existing clients’ insurance requirements and
developing new business.
We recognise the importance of personal relationships
and we believe that we have one of the most experienced
teams in the country, able to deliver the level of service our
discerning clients deserve.
Pat Jones –
Executive Director
Pat has over 30 years experience in the rural insurance market
and looks after a panel of clients across the rural community,
as well as heading up our dedicated Rural Client Support
team based in Bedford
Giles Wood –
Executive Director
Giles has worked in the rural sector for over 35 years building
a loyal client following and developing innovative products
to protect farmers and landowners alike. He has also been at
the forefront of developing insurance products protecting
the shooting world against cancellation risks due to Foot and
Mouth, Avian Influenza and Adverse Weather.
Richard Hardy –
Divisional Director
Richard joined RKH in 1969 as a Lloyd’s broker on the private
client side in the London office, he then moved to set up
the Salisbury office in 1985 specialising in Farm & Estate and
Private client business.
Colin Liddell –
Divisional Director
Colin joined RKH in 1997. He previously worked for the
agricultural specialist insurance brokers Chandler Hargreaves
for 30 years, latterly as Director of their much respected Farm
and Estate Division. He now splits his time between Personal
Lines and Farms & Estates
Jeremy Mitchell –
Divisional Director
Jeremy has recently joined R K Harrison from Aon. He has 23
years insurance experience, both broking and underwriting.
The past 7 years he has spent as a Senior Executive in Aon’s
Farms & Estates division.
Sara Mitchell –
Divisional Director
Sara has recently joined R K Harrison from Aon. She has 21
years insurance broking experience. Since 2002 she worked
as a Relationship Manager for Aon’s Farms & Estates division.
Edmund Sword –
Development Executive
Edmund joined R K Harrison in 2010, having had 3 years
insurance broking experience with RFIB in London. Edmund
comes from a Land Management background in Yorkshire
and looks to combine his love of the countryside with his
knowledge of the insurance industry.
R K HARRISON INSURANCE SERVICES 9

Our Rural Team
Support Teams
Our Client Relationship Managers are supported by
dedicated teams of rural professionals covering the
disciplines of New Business Broking, Client Support and
Claims Support, all based within our modern Bedford Office.
Client Support
Headed by Pat Jones, the team consists of over twenty staff
who deal with the day to day service of our clients’ accounts,
whether it be minor adjustments to cover or renewals. All
clients have nominated account handlers to deliver a truly
personal service with direct line numbers for easy access.
New Business Broking
Colin Kelford –
Divisional Director
Colin is ACII qualified and has over 30 years experience within
the insurance industry. Over 25 years of this has been in the
broking arena. Colin has been with R K Harrison for over 8
years, coming to us from GHBC in Hemel Hempstead.
Colin heads our team of four broking staff who liaise with
insurers to ensure our clients get the most suitable cover at
the most competitive prices.
Claims
Anna Burt –
Divisional Director
Anna has over 20 years of experience in the insurance claims
market, covering all aspects of general insurance. Anna has
built a team with a wide range of insurance knowledge to
assist clients with the claims process and maintains strong
relationships with insurers to promote the R K Harrison brand.
Anna heads our team of seven dedicated rural claims
technicians who ensure that in the event of an incident, any
claims are resolved as quickly and satisfactorily as possible.
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R K HARRISON INSURANCE SERVICES

Testimonials
Here are a few of our client testimonials.
“...providing the highest standards of service and
professionalism...”
“R K Harrison has been the Alliance’s insurance intermediary and advisor since 2004 and in that time they have managed to
deliver very competitive premium terms, whilst at the same time, improving the quality of cover that our members receive.
Over the years they have handled several hundred claims and responded to thousands of questions from our members and the
feedback has been consistently complimentary. They have proven to be an excellent firm whose commitment to providing the
highest standards of service and professionalism continues undiminished and I am sure we will continue working together for
years to come.”
Steve Hatcher
Finance Director, Countryside Alliance
“...they were able to reduce my
costs quite substantially.”
“As a farmer and landowner, I had been with the same large agricultural
insurer for many years and I invited CLAIS in to quote on a like for like
basis. Throughout the process, I found their knowledge and ability to
understand my requirements to be excellent and I was very pleased
to find, that in my case, they were able to reduce my costs quite
substantially.”
Harry Cotterell
Deputy President, CLA
“Thank you for exceptional
service."
“Thank you for exceptional service. I would like to make it known how
diligent, professional and helpful you have been in servicing your
clients. You respond very quickly to every request and we never felt
that RKH was seeking a way to minimize the ‘cover’ but to the contrary,
felt you were extremely knowledgeable of what we were covered for,
and pursued the carrier to ensure your client received fair treatment.
Thank you. Job well done.”
“...providing just
the service that our
members are looking
for .”
“Since its launch in 2002, CLA Insurance Services has
been providing just the service that our members
are looking for as demonstrated by high levels of
new policy take-up and excellent retention results.
Anyone who owns even a few acres of land, or
who has a rural property, would be well advised to
contact CLA Insurance Services and make sure they
have the best cover available. “
Chris Murray
Finance Director, CLA
Mr J Thomas
R K Harrison Insurance Services Client
R K HARRISON INSURANCE SERVICES 11

R K Harrison Insurance Services Limited
Woodlands, Manton Lane, Bedford, MK41 7LW
T 01234 305 555 F 01234 408 676 E enquiry@rkhis.com
www.rkhis.com
An R K Harrison Group company
Country Land & Business Association Limited (CLA) and R K Harrison Insurance Services Limited (RKHIS) are appointed representatives of R K Harrison
Group Limited,which is authorised and regulated by the Financial Services Authority in respect of general insurance business. CLA Insurance Services
is a trade www.rkharrison.com
mark of CLA. RKHIS licensed to use CLA Insurance Services as a trading name and provides insurance services to CLA members. RKHIS is
registered in England No. 6719831. Registered Office: One Whittington Avenue, London EC3V 1LE. Calls may be monitored and recorded for quality
assurance purposes. 03/11 Ref: 4241