Navigating Your Next Steps Navigating Your Next Steps HUB construction insurance, risk management and employee benefits HUB transportation insurance, risk management and employee benefits specialists will work with you to develop a tailored strategy that will protect specialists will work with you to develop a tailored strategy that will protect the bottom line, support your workforce and build resiliency for 2025. Here the bottom line, support your workforce and build resiliency for 2025. Here are some initial considerations: are some initial considerations: Making risk management a pillar of your organization’s culture Companies that share their data and analytics with their broker Develop a can help identify exposures and develop response plans in case through programs like HUB Drive Online will reap benefits — not Share your of any type of incident, whether that is a weather-related event, 1 comprehensive only will they have additional information to mitigate risk, but 1 data. a threat of physical safety or a cyberattack. Make sure your risk plan. they can demonstrate a strong safety performance to carriers broker understands how to approach risk and can identify gaps that can result in better terms and conditions. in insurance that could disrupt your daily operations. To compete for a shrinking pool of skilled labor, personalized benefits Create a Personalized benefits tailored to the needs of your drivers can help based on HUB Workforce Persona Analysis and data analytics can personalized increase recruiting and retention. Find ways to connect drivers to Listen to your help your company differentiate itself from the competition. Creating 2 benefits benefits beyond health insurance, like providing access to personal 2 drivers. a quality employee experience (QEX) will boost engagement, improve strategy. insurance solutions, and create rewards programs to incentivize good recruitment and retention and promote worker wellbeing driving behavior. Embracing cameras and telematics — and making the most Safety is already the focal point of your operation, but with Remain of your data and analytics to reduce risk — will improve an influx of new and less-experienced workers, injury risks focused on your company’s resiliency for the long haul. And integrating 3 Invest in increase. Work with a risk professional to review your safety 3 workplace new technologies with traditional claims and first notice of technology. program at least annually and address any issues. safety. loss system data will reap even greater rewards, increasing roadside safety and organizational efÏciency. Consistent communication with your broker will help identify Stay in contact with your broker and let them know about and mitigate issues in advance of renewal and position Be transparent changes to the business to eliminate surprises at renewal. Be transparent the organization in the best light. Review exposures and with your Review exposures and insurance needs at least 90 days prior 4 with your insurance needs at least 90 days prior to policy renewal to 4 broker. to policy renewal to allow your broker to find the optimal broker. allow your broker to find the optimal mix of coverage for your coverages for your organization. organization’s needs. 7 7