2017 SAFETY AWARD FOR FERMA CORP

To Avery Brown, Safety Director at FERMA CORP.

Zurich would like to present you a Safety Award for you and all the FERMA staff who played a critical part in your company’s excellent loss history and loss ratio for the policy year 2017 (10/1/17 – 10/1/2018). The Safety Award is acknowledging the efforts that you and your staff have demonstrated during this policy period. The incurred loss ratio for this period is at 9% which is outstanding for a firm your size and below the industry average in loss ratio percentage in your industry sector.

Your attitude and proactive approach to safety was admirable and your excellent loss ratio and injury record is a direct reflection of your hard work. We must acknowledge Avery Brown as he has been highly influential in the success and development of the safety program. FERMA has been very successful in pursuit to ensure everyone works in a safe and secure work environment.

I wish your superb organization a most prosperous and successful future.

Best Regards,

Zurich North America

Account Executive

Derrick Cheng

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