Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16has over 450 combined years of insurance, surety and risk mitigation experience which allows Murray to relate more closely with our contractor clients and their professional advisors through the construction process. We are immersed in the ever-changing complexitites of the construction industry. From formulating bonding solutions in a distressed economic climate, to designing and provid- ing sophisticated insurance and risk management programs and claims expertise for quickly evolving exposures such as “green” sustainable construction projects, construction defect issues and the alarming increased risk environment for em- ployee dishonesty, employment practices and professional and contractual risk transfer exposures. David Bradbury Sr. Vice President, Construction Division The tumultuous economic climate facing the construction industry during the past three years will likely continue throughout 2011. While the government stimulus effects have provided modest relief to specific industry segments, construction industry unemploy- ment is expected to remain over 20%, bank credit continues to be restrictive and state and local governments will curtail discretionary construction spending wherever possible. There has never been a more critical time for contractors to seek the advice and specialized products and services offered through our dedicated regional construction services division. Our team of nearly 30 construction experts located in three offices throughout the Mid-Atlantic Region Our mission is to marshall the resoures and expertise of our highly skilled staff to identify, service and recommend comprehensive risk management solutions by partnering with our construction clients throughout the entire construction process. We work closely with our clients to enhance the prospect for profit, and ensure the safest work environment possible. Construction Insurance