COMPREHENSIVE INSURANCE SOLUTIONS TO HELP ENERGY .

ENERGYCOMPREHENSIVE INSURANCE SOLUTIONSTO HELP ENERGY BUSINESSES THRIVE.The Buck’s Got Your Back

OUR AREAS OF FOCUSTAILORED COVERAGESFor the energy industry includes, but isn'tlimited to the following:The Hartford can design a customized insuranceprogram for your energy company. Here areimportant coverages that you should consider.Power Generation & Utilities: Electrical cooperatives Power generation Gas and electric utilitiesand transmission Independent power Renewable energyproducersRenewables: Geothermal Hydropower Biofuels Biomass Wind and solar energy»» Manufacturers»» Contractors»» Maintenance serviceprovidersMidstream: Natural gas pipeline LNG storage,operatorsliquefaction and Natural gas processorsregasification entities Natural gas storage Terminal operations Pipeline construction/maintenanceUpstream: Ancillary oil field Instrument loggingservicesand survey work Geophysical Oil field tool andengineering andequipment rentalconsulting Fabricated metal Distributors of oil fieldproducts-energyequipmentrelatedMineral Mining: Open pit StripRESTRICTED CLASSES Offshore driven operations Waste water and hazardous waste hauling Long haul transportation Pressure control contractors and wellblowout specialistsCOMMERCIAL AUTOCoverage for accidents involving vehicles owned,leased or rented by renewable energy companies.Our broad form endorsement includes coverageenhancements that may be especially valuable torenewable energy companies: Hired auto physical damage – automaticallycovers physical damage to any auto your companyrents, loans or leases (up to 100,000 per loss)if you purchase physical damage and liabilitycoverage for your autos Employees as additional insureds – covers youremployees for liability if they use their own autosto conduct business for you Upset and overturn extension of coverage – coversexpenses related to cleanup from an upset andoverturn of spilled productGENERAL LIABILITYGeneral Liability Choice provides liability coveragefor bodily injury and property damage; includescoverage for: Personal and advertising injury, including: libel,slander, defamation and product disparagement,including offenses that occur from your website,bulletin boards and chat rooms Broad named insured, including contractualliability, manufacturer’s errors and omissions,and product recall expense coverage Time element pollution extension endorsements,including emergency mitigation expenses Blanket additional insured coverage Primary non-contributory coverage whenrequired by contract Per project/per location aggregate

WORKERS’ COMPENSATIONComprehensive Coverage Broad form endorsements to help protect againstcertain unknown and unanticipated exposures nottypically covered by a standard policy Basic option, automatically included at no extracost, includes employers’ liability stopgap formonopolistic states and voluntary compensation Extended option, includes increased limits foremployer’s liability, foreign voluntary compensationand United States Longshore and Harbor Workers’Compensation Act (USL&H)Risk-Management Services Team Work return-to-work program helps getinjured employees back on the job as soon asmedically appropriate Claim-fraud investigators save customersof The Hartford thousands of dollars inunwarranted claimsCOST-SAVING SERVICESCustomer focus is one of The Hartford’s values.We listen to our customers so that we can deliverinnovative solutions and extraordinary service.LOSS-SENSITIVE RATINGOPTIONS AVAILABLEWhat’s a Loss-Sensitive Program?It’s a form of insurance that allows you to pay alower upfront premium. You pay “dollar one” upto a set limit because your business will actuallyparticipate in loss payment, up to a retention that'sagreed upon between you and The Hartford.As losses occur, the insurer: Pays the claim Bills you for the loss amount, plus service feesfor losses within the retained layerHow It WorksThe Hartford: We help eligible renewable energy companiesallocate risk management resources to makethe most impact through our risk managementinformation system, TREO Track Risk. ExploreOpportunities.SM Analyzes your past lossesPayroll Billing Option Offered at no extra cost, premium paymentsbased on actual payroll, timed to your organization’spayroll schedule Negotiates a premiumCOMMERCIAL UMBRELLA Up to 15 million policy limits* Comprehensive catastrophic liability coverage* Up to 25 million may be available depending on type of account. Identifies loss trends Calculates your expected losses for next year Negotiates a per-loss retention to coverexpected losses Settles all claims as usualYou: Periodically pay for losses and claims handlingexpenses, up to the deductible limits

A CUSTOMIZED SOLUTIONYOU CAN DEPEND ONYour business has unique needs and concerns.The Hartford can help. We're a large writer of losssensitive business, with decades of experience tailoringprograms to the unique needs of our accounts.Through The Hartford Energy Group, we customizeloss-sensitive rating plans for larger contractors’exposures, controls, financials, and risk-reward profile.We offer large deductible, retrospectively rated, selfinsured retention and guaranteed cost plans.In partnership with you and your agent, we canhelp you to: Save money by balancing risk retention and risktransfer with premium savings – through ourcustomized programs Save time by improving effectiveness andefficiency – through customized dashboards,filters and email alerts in our risk managementinformation system, TREO Improve outcomes by coordinating claims andrisk management services – through our RiskManagement Solutions team Combine loss-sensitive with other lines beingguaranteed cost, such as general liability andcommercial auto Commitment to the discipline of risk management Invest in TREO, our state-of-the-art web-basedrisk management information system (RMIS)to help identify and combat loss drivers Willingness to engage in learning aboutloss-sensitive rating plans Partner with the agency and carrier, andparticipate in the process of building andimplementing a risk management program Meet with the carrier team to learn about thecarrier’s risk management services and approachto loss-sensitive rating programs Provide current audited financials and interimfinancials (income and balance sheet) Post financial collateral (e.g., letter of credit,trust, cash and hybrid)RISK ENGINEERING SERVICESBroad range of consultative services andeducational opportunities in the areas of:IS A LOSS-SENSITIVE PROGRAMRIGHT FOR YOUR BUSINESS? Loss prevention Absence management Wellness Return to workYou may want to consider it if your company hasthe following: Leave managementFinancials and Operations Annual premium: Revenues: 50M 600K or moreor moreCLAIMS SERVICES Payroll: 15Mor more Operations inmultiple statesLoss-Sensitive Client Mindset Desire to be a risk-bearer, with the abilityto assume large retentions (starting at 75Krentention for workers’ compensation)LEARN MORE. Visit us at TheHartford.com/energy 24/7 claims reporting Specialized claims handlers for specificcoverages Experienced claims and legal assistance tohelp achieve the best outcomes in even themost difficult claims Networks for medical providers, pharmaceuticalproviders and medical case management

The Hartford is committed to helping your business thrive with completeinsurance solutions for energy companies of all sizes and a wide range ofoperations, from power generation and utilities to renewable energy.OUR TOTAL SOLUTION INCLUDES:Forward-thinking insurance coverages – to protect your assets andpromote future growthCustomized claims and risk engineering services – to help you preventlosses and achieve the best outcomes if a claim does occurDedicated underwriters and risk engineering consultants – who specializein your business’s unique risks and partner with you to help manage themThe Hartford’s Multinational Choice offers a spectrum of coverageoptions to provide you with broad protection and peace of mindin over 200 countriesIn addition, The Hartford holds itself to the highest standardsof ethical conduct in all transactions, and demonstratesrespect for people, communities and the environment. We’vebeen named one of the World’s Most Ethical Companies bythe Ethisphere Institute eleven times.

LEARN MORE. Visit us at TheHartford.com/energy or contact:Ric Pena, Head of Energyric.pena@thehartford.comStacie Prescott, Underwriting Officerstacie.prescott@thehartford.comBusiness InsuranceThis document outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for yourneeds and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policyprevail. All coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.Coverage may not be available in all states or to all businesses. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agentof The Hartford. To ascertain such information, please contact your state Department of Insurance or The Hartford at 1-888-203-3823. All information and representations herein are as ofOctober 2019.In Texas and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Fire Insurance Company, Hartford Casualty Insurance Company, HartfordLloyd’s Insurance Company, Hartford Insurance Company of the Midwest, Navigators Insurance Company, Navigators Specialty Insurance Company, Maxum Casualty Insurance Company,Maxum Indemnity Company, Trumbull Insurance Company, Twin City Fire Insurance Company, Hartford Underwriters Insurance Company, Property and Casualty Insurance Company ofHartford and Sentinel Insurance Company, Ltd.The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.19-ML-157805 October 2019 The HartfordEmployee BenefitsAutoHome

monopolistic states and voluntary compensation Extended option, includes increased limits for employer’s liability, foreign voluntary compensation and United States Longshore and Harbor Workers’ Compensation Act (USL&H) Risk-Management Services Team Work return-to-work progr