John M. Garrett, CPCU

Experience includes design, implementation and servicing of surety and insurance programs for local, national and international accounts. Thirty years experience in the insurance and surety industry, and ten years experience with an international brokerage firm. Clients programs ranged in excess of $1 Billion with individual projects in excess of $500 Million.

Highly experienced in negotiating on behalf of clients involved in L.B.O./M.B.O. and venture capital scenarios.

Prior experience includes managing a national surety company and management of a significant portion of the portfolio of a national surety company. Recognized as a knowledgeable surety and insurance broker by members of the surety, insurance and construction industry. Active in industry associations to include vice-chairman of the Fiscal and Insurance Risk Management Committee of AGC of California.

Steven C. Mosier, CSP (Ret.), ARM

Experienced in the design and service of insurance programs for a variety of clients with local, national and international exposures. Twenty-two years in the insurance industry, with seven years at an international brokerage.

Spent initial years with national insurance companies serving in a variety of loss control and marketing positions. Very experienced in property loss control and evaluating occupational disease exposures for insureds. While employed as a senior marketing department specialist, assisted in evaluating underwriting risk exposures and subsequently developing appropriate pricing parameters.

During the last several years with insurance brokerage firms, specific emphasis has been servicing large construction related firms utilizing a variety of risk retention and transfer mechanisms. Very experienced in coverage design and in claims management. Highly knowledgeable in both guaranteed cost and multi-line retrospective risk transfer programs. Recognized by the industry as a professional, effective insurance broker for the construction industry.

Calvin L. Sistrunk, CIC

Garrett/Mosier/Sistrunk (GMS) Insurance Services (2000 - Present) Joined forces with Garrett/Mosier Insurance Services, Inc. to create a newly formed division (GMS) specializing in commercial insurance. Expertise and market relationships allow this division to provide unique services to developers, contractors, manufacturers, real estate, retail and service industries.

Complete Insurance, Inc. (1995 - 2000) Vice President Headed newly formed construction division for Complete Insurance. Responsible for the servicing and placement of property, general liability, inland marine, automobile, excess, workers' compensation and surety bonds for a variety of subcontractors, general contractors and developers. Placed coverage for both domestic and international construction projects. Provided risk management consultation and subcontractor insurance review. Also secured professional and pollution coverages for a variety of contractors, developers and engineers.

Willis Corroon Insurance Services of Orange County (1989-- 1995) Sr. Vice President Helped pioneer Willis Corroon's Orange County Construction Division. Responsible for the development of new construction and non-construction clients, as well as the servicing and placement of property, inland marine, auto, excess, professional, pollution and workers' compensation coverages for medium to large domestic and international clients. Helped troubleshoot challenging liability and workers' compensation claims and audit issues.

Griffith/Sincock Insurance Brokers, Inc. (1987 - 1989) Developed a large commercial insurance clientele specializing in securing all aspects of property and liability insurance coverages. Provided risk management consultation and coordinated claim activity. Promoted to Vice President prior to sale of agency to Willis Corroon.

H.W. Jordan & Associates (1985 - 1987) Developed commercial property and liability insurance clients. Responsible for servicing and providing consultation to these clients. Attended CIGNA School for Agents and Brokers in Pennsylvania.

Aetna Casualty & Surety (1983 - 1985) Commercial Casualty underwriter with an emphasis in commercial auto, general liability, umbrella and workers' compensation coverages. Responsible for underwriting, pricing and the commitment of policy terms and conditions for commercial casualty coverage lines. Attended Aetna's nationally renowned underwriting school in Hartford, Connecticut.

Laura J. Olson, CIC

Garrett/Mosier/Sistrunk (GMS) Insurance Services (2000 - Present) Account Executive Joined forces with Garrett/Mosier Insurance Services, Inc. to create a newly formed division (GMS) specializing in the construction industry. The experience and expertise of Garrett/Mosier/Sistrunk in the construction insurance and surety industry creates a synergy allowing us to provide superior service to our clients. Duties are varied and can go from consulting on contractual risk transfer, making sure insured is in compliance with insurance requirements, negotiating terms for new and renewal business to loss analysis and trending.

Complete Insurance, Inc. (1995 – 2000) Account Manager Serviced a variety of construction and non-construction related accounts including new and renewal business placements, consulting, contract review, loss analysis and risk management. Worked with all lines of coverage including Property, General Liability, Inland Marine, Auto, Workers’ Compensation, Umbrella and specialty lines such as Professional Liability, USL&H Exposures, and Directors & Officers Liability.

HRH Insurance Services (now Armstrong Robataille) (1994 - 1995) Sr. Account Manager Was hired to oversee a team of customer service representatives servicing large commercial accounts. Type industries included manufacturers, distributors, contractors and high tech accounts. Services included daily requests from clients, placement of new and renewal business, and contract review.

Brakke-Schafnitz & Associates (1988 – 1994) Account Manager Hired to assist producer in servicing a variety of industries including contractors, manufacturers, distributors, restaurants, car dealerships, etc. Duties included daily requests from clients, marketing new and renewal business, risk management, loss analysis and consulting. Assisted Vice President in forming a national program for the Chem-Dry Carpet Cleaners and the Der Wienerschnitzel account. Also assisted Vice President in overseeing satellite office and marketing accounts for eight (8) producers.

Rule Company (1985 – 1987) Account Manager Was hired to start up small business department and provide rating and service for various “BOP” programs. Also assisted two producers in servicing and marketing new and renewal placements.

Marsh & McClennan (1983 – 1985) Technical Assistant Hired to service large national accounts for Account Executive. Duties included daily requests from clients, preparing submissions for renewals and marketing accounts for terms.

James S. Kemper/Rollins Burdick Hunter (1982 to 1983)

Commercial Union Insurance Cos (1981 to 1982)

Edward W. Griffith, CPCU (Of Counsel)

Highly experienced in the venture capital and I.P.O. scenarios. Participated as Risk Manager/Consultant in the placement of an I.P.O., and subsequent privatization of this venture through venture capital placement for a $500 million dollar company. Knowledgeable in Directors and Officers liability with regard to both coverage and claim management. Has been licensed as a General Contractor in New Mexico. Twenty-five years experience as a Risk Manager, Agency Owner, and consultant in the property and casualty insurance concentrating in the construction industry.

Griff. Griffith, CPA

Highly experienced at facilitating capital financing via financial presentation for investment bankers and private investor group. Responsible for the presentation of financial strategies and results to venture capital lenders. Marketed and managed the successful placement of a secondary financing including the corresponding due diligence. Experience as C.P.A. includes extensive auditing and management consulting to contractors and developers. Coordinated the marketing of a majority position acquisition of the company to a $2 billion company and current customer. Now servicing clients in the chemical and construction industry.

Michael Finn

Garrett/Mosier Insurance Services, Inc. 2005– Present Producer/Account Executive – Primary focus is providing protection for client assets and personnel by analyzing current exposures and implementing improved insurance programs at reduced premium cost. Ensure clients receive GMGS services as required, such as Claims Management, Loss Control and Safety Training. Responsible for working with corporate management to facilitate insurance strategies that are well organized, dependable and provide financial security.

Marsh Risk & Insurance Services, Inc. 2002 – 2005 Client Advisor – Established and maintained communication with clients, underwriters and within the team in order to effectively broker, place and maintain accounts. Responsible for servicing and placing property, general liability, workers’ compensation inland marine, automobile, excess liability and financial/managerial liabilities for medium to large domestic clients. Also involved in strategic level analysis and discussion with clients on issues beyond insurance policy placement. Originally came to Marsh in the Marsh Graduate Training Program aimed at teaching high end coverage analysis and technical knowledge. Finished program with top tier rating.

Denise Doyle

Garrett/Mosier Insurance Services, Inc. (2001 - Present) Property/Casualty Claims Specialist. Involved in assisting our clients in the administration of all property/casualty claims in an effort to gain the prompt and satisfactory settlement of losses. This includes performing as a liaison between clients, attorneys, coverage counsel and insurance carriers.

Reviewing facts of each loss and all appropriate coverage that might afford coverage to a client. Explain the coverage’s and the insurance carrier’s position and develop a response to that position. Assisting in preparation and formalizing loss reports. Review Declination and Reservation of Rights letter and respond on behalf of the client. Place Umbrella/Excess carriers on notice according to severity of loss. Litigation follow-up to ensure appropriate carrier response. Follow-up review of all open property and casualty claims to determine timely settlement and identify claims which are subrogatable and monitor insurance company activity.

Willis Corroon Insurance Services of Orange County (1986 – 2000) Interfaced with clients, carriers and attorneys. Provided technical and advisory assistance in property and casualty claims and risk management. Prepared, negotiated and monitored claims that ensured timely and correct payment of legitimate claims to compensate injured parties, promote good will and minimize litigation. Handled and reviewed important legal documents in the form of suit and court papers detailing alleged damages and demand for reparations.

Barbara Leonard, WCCP

Garrett/Mosier Insurance Services, Inc. (2003 - Present) Workers’ Compensation Claim Specialist. Involved directly with clients as an extension of their claims management staff. Interacts with insurance carriers, third party administrators and defense attorney’s to outline aggressive resolution plans and appropriate reserves on guaranteed costs, large deductible & retrospective programs. Client base consists largely of subcontractors and developers; but, also include technology, manufacturing and financial industries.

Marsh Risk & Insurance Service – Newport Beach, CA (2000 - 2003) Workers’ Compensation Claim Consultant, Assistant Vice-President. Provided hands-on claims management for employers in multiple industries on both regional and national levels. Claims management tailored to assist employers with internal operations, training, interaction with carriers to maximize service, access/negotiate appropriate reserves and implement aggressive action items to resolve claims. Additional services included but was not limited to carrier/TPA assessment,

Willis Corroon Insurance Services of Orange County (1993 - 2000) Workers’ Compensation Claim Specialist, Assistant Vice-President. Responsibilities include claim management, reserve negotiations and employer training with a focus on construction and the medical industries.

United Western Medical Center (1991 – 1993) Corporate Director of Workers’ Compensation. Duties included management of workers’ compensation claims, development and implementation of policy and procedures. Worked directly with in-house Industrial Clinic and educated emergency room physicians and staff regarding work related injuries. Participant in safety committee and safety fairs.

Third Party Administrators

Gerry R. McEwen

Experienced in safety program design, implementation and training for construction, industrial and service industry clients. Highly qualified in developing and maintaining Injury and Illness Prevention Programs as well as site-specific safety plans required by government agencies. Highly knowledgeable on OSHA and Cal OSHA regulations and standards.

Fourteen years field experience in construction, safety and insurance. Highly experienced in safety training and coordination as well as accident investigation. While safety officer for a major underground contractor her employer was recipient of the Engineering Contractors Association Safety Award.

Fifteen years safety experience, sixteen years supervision, training and management, and eighteen years diversified accounting and computer experience. Excellent communication skills have enabled implementation of job responsibilities at all levels of problem solving, from field laborers and job superintendents through management and owner's representatives.

Extensive field experience in construction, safety and insurance. Active member and past chairperson of the Engineering Contractor’s Association Safety and Risk Management Committee.