Table of Contents The table below, read together with the reconciliation on the previous page, represents gross profit for our segments reconciled to net income attributable to shareholders of Crawford & Company. % Change from Prior Year Year Ended December 31, 2019 2018 2017 2019 2018 (In thousands, except percentages) Revenues Before Reimbursements: Crawford Claims Solutions $ 339,837 $ 361,053 $ 365,058 (5.9)% (1.1)% Crawford TPA Solutions 393,856 405,335 390,583 (2.8 )% 3.8  % Crawford Specialty Solutions 272,109 304,583 350,191 (10.7)% (13.0)% Total, before reimbursements 1,005,802 1,070,971 1,105,832 (6.1 )% (3.2 )% Direct Expenses: Crawford Claims Solutions $ 263,116 $ 282,778 $ 288,380 (7.0 )% (1.9 )% % of related revenues before reimbursements 77.4% 78.3% 79.0% Crawford TPA Solutions 294,172 296,111 284,529 (0.7 )% 4.1  % % of related revenues before reimbursements 74.7% 73.1% 72.8% Crawford Specialty Solutions 176,702 199,055 235,302 (11.2 )% (15.4 )% % of related revenues before reimbursements 64.9% 65.4% 67.2% Total segment direct expenses 733,990 777,944 808,211 (5.7 )% (3.7 )% % of related revenues before reimbursements 73.0% 72.6% 73.1% Segment Gross Profit:  Crawford Claims Solutions $ 76,721 $ 78,275 $ 76,678 (2.0)% 2.1 % % of related revenues before reimbursements 22.6 % 21.7 % 21.0 %  Crawford TPA Solutions 99,684 109,224 106,054 (8.7)% 3.0 % % of related revenues before reimbursements 25.3 % 26.9 % 27.2 %  Crawford Specialty Solutions 95,407 105,528 114,889 (9.6)% (8.1)% % of related revenues before reimbursements 35.1 % 34.6 % 32.8 % Total segment gross profit 271,812 293,027 297,621 (7.2)% (1.5)% % of related revenues before reimbursements 27.0 % 27.4 % 26.9 % Segment Indirect Costs:  Crawford Claims Solutions $ 69,091 $ 66,967 $ 58,137 3.2  % 15.2  % % of related revenues before reimbursements 20.3% 18.5% 15.9%  Crawford TPA Solutions 72,511 72,315 67,830 0.3  % 6.6  % % of related revenues before reimbursements 18.4% 17.8% 17.4%  Crawford Specialty Solutions 46,086 55,964 62,485 (17.7 )% (10.4 )% % of related revenues before reimbursements 16.9% 18.4% 17.8% Total segment indirect costs 187,688 195,246 188,452 (3.9 )% 3.6  % % of related revenues before reimbursements 18.7% 18.2% 17.0% Segment Operating Earnings: Crawford Claims Solutions $ 7,630 $ 11,308 $ 18,541 (32.5)% (39.0)% % of related revenues before reimbursements 2.2 % 3.1 % 5.1 % Crawford TPA Solutions 27,173 36,909 38,224 (26.4)% (3.4)% % of related revenues before reimbursements 6.9 % 9.1 % 9.8 % Crawford Specialty Solutions 49,321 49,564 52,404 (0.5)% (5.4)% % of related revenues before reimbursements 18.1 % 16.3 % 15.0 % * See table on the previous page for a reconciliation of segment operating earnings to Net income attributable to shareholders of Crawford & Company. 25