GLOBAL RESOURCES. LOCAL EXPERTISE.

6873 N. West Avenue, Suite 101, Fresno, CA 93711

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DIBU.COM | LICENSE #0E02096

PROPERTY & CASUALTY CLAIMS DEPARTMENTThe Claims Department is a composite of seven experienced claim representatives, some whom are former insurance company adjusters. Our goal is to counsel our clients so they will understand their insurance portfolio and how coverage relates to the details of their loss event. Our staff consists of highly trained personnel who are accomplished liaisons for our clients with an average of 30 years’ per claims representative. We will process your claims to the insurance company and will personally assist you throughout the claim process. Because we value your business, our objective is to ensure that insurance coverage is properly assessed and your claims are opened, adjusted and resolved in a timely and satisfactory manner.

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RISK MANAGEMENT SERVICES

Reducing Employer Exposure and Lowering Insurance Costs

JOHN MANNINGVice President of Property & Casualty ClaimsJohn Manning has 29 years property and casualty claims experience as a multi-line claims manager/adjuster. He earned his Bachelor of Arts in Parks & Recreation Administration from CSU Chico, Ca. He obtained Vale Training Solution Insurance certificates in residential, commercial, business loss income, and flood & earthquake courses. He is active in the Central California Insurance Adjusters Association and a two term past president. His vast experience aids our clients’ understanding of the insurance claims process.

PERSONAL & CASUALTY CLAIMS SERVICES· Facilitate in the presentation of claims to the appropriate insurers· Participate in establishing a working relationship between the adjuster and our client· Assist in the resolution of concerns or disputes involving coverage or claims service· Available for field inspections and conferences with clients and adjusters on complex cases· Provide detailed analysis of repair estimates for both property and auto claims· Monitor claims toward a satisfactory resolution

(L-R) Glen Davis, Michelle Katoch, Penny Williams, Lori Tigson, Vanessa Ayres, Stacey Rustigian, John Manning

DAVID ZARATE, PQR, STS-G, LCSSr. Loss Control ConsultantDavid has been with D&D for over 20 year as a bilingual loss control consultant with an extensive background in Property, Ag, Construction, and Oil & Gas Loss Prevention. David has earned his Safety Trained Supervisor General (STS-G) designation and is a Fed-OSHA & Cal-OSHA Trainer in the General Industry. BEN COOPER, STS-C, LCS, CHSTLoss Control Consultant & Construction SpecialistWith over 13 years in Safety & Regulatory Compliance, Ben offers a valuable perspective to our construction clientele. Ben has earned his Construction, Health and Safety Technologist designation and OSHA trainer certification for both Federal and California construction standards. HORTENSIA MERCADO-JUAREZLoss Control Consultant & Agri- Business Specialist With over 18 years of Management and Medical Benefits experience, Hortensia brings a unique insight to our clientele with a bilingual workforce. Hortensia is a certified Public Notary who specializes in Farm Labor Licensing.

JOHN RODRIQUEZLoss Control Consultant & Agri- Business Specialist John is a bilingual safety professional who has over 28 years of experience working as a Safety/Operations Manager specializing in the agriculture labor market (FLC’s). John brings a wealth of knowledge regarding injury prevention in agricultural related areas such as heat illness prevention, tractor safety, and many others. MICHELLE HERNANDEZ Loss Control CoordinatorMichelle comes to D&D with 12 years of management experience in the areas of client services, scheduling, labor relations, and marketing. Michelle is a bilingual professional proficient in Spanish. She provides assistance to clients regarding D&D’s online Risk Management Center as well as Safety Seminars registration.

TONY CANIZALES, OHST, STS-G, LCSVice President of Loss ControlWith nearly 23 years of experience in Loss Control and Employer Safety Programs across a wide range of industries, Tony has been an integral part of the development of proven prevention methods, programs, and exposure reduction through proper hazard identification.

LOSS CONTROL SERVICES:Hazard Identification & EvaluationIdentify and evaluate hazards related to Injury Prevention, Hazardous Materials, Fire Safety, Fleet, Liability, and OSHA Compliance. Our Loss Control department can also conduct on-site safety inspections at facilities and provide value-added loss control consultation Loss Prevention & ReductionStrategies to eliminate or reduce workplace hazards Safety Program ReviewEvaluate and develop an Injury and Illness Prevention Program, along with other mandated Cal/OSHA programs Loss Trend AnalysisEvaluate client’s loss trends and recommend plans to address losses Management Training & DevelopmentPinpoint training needs and work in partnership with clients to develop effective training programs Risk Management Center (RMC)Provides a library of 2,000 Safety and Human Resource-related policies, procedures, training programs, and safety meetings

DVD Lending LibraryOver 75 safety-related subjects in both English and Spanish Certificate ProgramWe can certify clients’ employees on the following topics:· Forklift “Train the Trainer” and Certification of Operators· Lock Out Block Out· Globally Harmonized System· Fall Protection Competent Person· Heat Stress Supervisor Training· Confined Spaces· Adult First Aid/CPR· Respiratory Protection Fit Testing· OSHA 10 & OSHA 30 (General & Construction)

LOSS CONTROL DEPARTMENTDiBuduo & DeFendis Insurance Brokers (D&D) is unique. We have our own internal Loss Control Department whose primary focus is to work in partnership with clients to develop effective workplace safety strategies that minimize losses and prevent injuries. D&D believes that our safety and risk management services help reduce client exposure and, ultimately, lower insurance costs

WORKERS’ COMPENSATION CLAIMS SERVICESFor our workers’ compensation policyholders, D&D offers a number of services that help clients manage their claims more effectively and efficiently and get their employees back to work faster, with an emphasis on impacting the experience modification.

KATHERINE SULLIVAN, WCCP, CPDM, WCCAWorkers’ Compensation Claims Specialist Manager Katherine brings to D&D over 27 years of experience in workers’ compensation claims. She earned her Bachelor of Science in Business Administration/Risk Management and Insurance from CSU Fresno.

BECKY CASTROWorkers’ Compensation Claims SpecialistBecky has more than 12 years of claims experience and functions as liaison between employers, claims adjusters and agents to ensure cost effective and timely claims management.

SUZANNE RICHARDSON, WCCP, CPDM, CCMPWorkers’ Compensation Claims SpecialistSuzanne has 27 years of workers’ compensation claims experience that includes claims adjusting and supervision.

FOR OUR WORKERS’ COMPENSATION POLICY HOLDERS, D&D OFFERS THESE SERVICES:· Technical workers’ compensation claims management solutions and recommendations to employers and claims examiners· Training of employers on claims management issues for optimal claims resolution and maximum claims savings· Assist with development of Return to Work programs in coordination with the workers’ compensation carrier· Develop medical provider panels, by location, for employers to ensure appropriate and cost-effective medical treatment for workers’ compensation injuries· Communicate all aspects of First Aid· Participate in and conduct claims reviews