• Cost stability over long term
• Decreased vulnerability to market cycles
• Claim Management direction
• Input into claims settlements
• Retain a portion of the predictable losses
• Transfer a portion of the catastrophic risk
• Broaden your insurance program coverages

• Budget a known maximum cost
• Input in the claims process
• Strength in numbers
• Negotiating and buying power
• Cost savings
• Broader lines of coverage
• Stability and Consistency
• Innovative Risk Management/Programs- Appraisals, pollution, Cyber Risk.

CLARIFICATIONS OF POOLING