CONNECT

Welcome, With the new year well underway, we at SWAN continue to seek novel ways to serve our valued fleet customers as a partner to maximize the success of your business. The good news is that the national economy continues to perform well. That environment is having a positive impact leading to an increase in overall freight activity, particularly in the cross-border sector. Of course, there are always challenges - and opportunities - to be met with innovation and creativity. Among the issues faced by fleets is a tightening of available insurance options. Some carriers are selecting only fleets with perfect safety scores while others are leaving various markets altogether. We know there is a lot of noise out there and that you have many options. That's why we place a high priority on providing value-added resources that truly serve your bottom line while helping you attract and retain talent. SWAN assists fleets to optimize best practices around claims, recordkeeping, and compliance, maximizing their chances of qualifying for a policy that fits their needs at the best rate. These factors are critical in securing coverage that protects your business while ensuring a positive profile when pursuing customers. If you want your fleet to qualify for the kinds of contracts you're most interested in, we can help you get there. Whether it's optimizing fleet scores or getting relevant certifications, SWAN's team of experts are on your side. We can also assist you in discovering opportunities to diversify and expand your business into new sectors. We look forward to working together as we strive to make 2025 our most prosperous and productive year yet! Until our next update, we thank you for being part of our community and welcome your feedback as we work to help you grow your business and Sleep Well At Night. Thank you, Chris Mahlberg, TRS Founder & Owner SWAN Insurance Call: 858-381-3108 | Visit: swan-ins.com | Connect: LinkedIn

Make Sure to Ask About Professional Certifications When you're looking for a partner to help elevate your fleet business, an area you should pay special attention to are the certifications earned by key individuals on an insurance broker's team. The knowledge and expertise of the team are vital to making sure your fleet is well-positioned to qualify for the coverage you want and need. This applies to both pursuing a new policy as well as securing a renewal - giving yourself options either way. Here are some SWAN individuals who have earned key certifications and you can rely for expert advice: Michael Goldsmith, Account Manager • Certified Supervisor of Safety (CSS) • Associate in Insurance Services (AIS) • Transportation Risk Specialist (TRS) Rafael Negron, Claims Manager • Transportation Risk Specialist (TRS) • Transportation Claims Specialist (TCS) Chris Mahlberg, Founder & Owner • Transportation Risk Specialist (TRS) We invite you to connect with our SWAN associates to identify your needs and develop a comprehensive insurance program tailored to your fleet.

Don't Get Caught Short on Cross-Border Coverage When dealing with insurance coverage for cross-border operations, fleets often don't allow enough time to address the application process. You don't want to get boxed into last-minute coverage that is inadequate, a high rate, or even worse... both. Cross-border insurance can be especially complex with details like transfer plates and health insurance requiring close attention. That's why SWAN uses a 120-day approach to carefully address your needs and avoid costly, last-minute decisions. Our team takes the time to get to know your needs and guide you through the process. That close attention continues year-round as your operations evolve. Break the pattern of settling for last minute policies that limit your growth. Schedule a call with our cross-border team to explore how we can help you best set you up for success.

SWAN Expert is Panelist at NEMT Growth Roadshow Marc Crawford, our Director of Transportation and NEMT Program Leader, participated on a panel at the recent iCabbi NEMT Growth Roadshow in Florida. Titled "Scale Smart: Invest in Protection, Sustainability and Expansion," Marc shared how to reduce insurance costs without increasing risk. Important points to consider regarding liability included: • Variances in dollar amounts by county • Use of cameras in reviewing liability claims • Role of "first notice of known loss" (FNKL) • Installation of 360 cameras inside vehicles • Coverage for uninsured/underinsured motorists • Non-passenger exclusions in Florida • Florida requirements for symbol 2,8,9 • Transport of students not covered under ADA • Loading and unloading limits and claims • Working with managed care organizations Schedule a call with Marc to learn more as you strive to qualify for and secure contracts most crucial to your business.

SWAN Insurance 1620 5th Ave, Suite 700 San Diego, CA 92101 Map + Directions CONTACT info@swan-ins.com 858-381-3108

Visit Us Online CONNECT

TCS & TRS Designated Motor Carrier Insurance Education Foundation Certified Safety Supervisors North American Transportation Management Institute Registered Member Federal Motor Carrier Safety Administration Associate Member The Transportation Alliance Trade Association

© 2025 SWAN Insurance. All Rights Reserved. Privacy Policy