Specialty Products Overview

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Specialty Products Overview

Managing risk has become increasingly complex in recent years. The effects of escalating losses are becoming apparent in rapidly evolving exposures such as political risk, accident & health, professional liability, directors & officers (D&O) and employment practices liability (EPL). Our Specialty Products business unit provides insurance protection for emerging, volatile and potentially catastrophic risks, with approximately 60 products managed in various SBUs/profit centers. With our global footprint, distinctive products and unique risk insights, Zurich Specialty Products is a strong teammate for insureds and brokers.

Our Growth Areas include:

• Accident & Health

• Environmental (Site)

• Healthcare Professional Liability

• Management Solutions Group

• Political Risk

• Short-Term Multibuyer Trade Credit Insurance

• Surety

Additional Specialty Products offerings include:

• Casualty & Property

• Railroad Liability and Railroad Property

• Surplus Lines Property

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Sales and Distribution

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Appetites

Your Contacts and Resour

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For over 15 years, Zurich has been providing Employers coverage for both their Basic and Voluntary Accident benefit plans.

Appetite

Product Breadth

Group guarantee issue accident policies with limits up to $5M per person paid for by either the employer or the employee.

Provides additional protection against financial consequences resulting from minor or catastrophic injuries including: medical bills, living expenses or long term budget burdens. Value-added services to qualified customers

• Travel assistance provides assistance to employees while traveling away from home on both business and pleasure

• Flexibility to work with policyholders travel assistance provider of choice including World Travel Protection, a member company of the Zurich Insurance Group

• Over 30 optional coverages and benefits to customize a solution for each employer

• Direct access to underwriters who average 15+ years of experience

• Unbundled coverage offers spread of risk against catastrophic events

• Global capabilities to address the international traveler

• Streamlined administration and employee communication support

Contacts Marty Banaszek Profit Center Manager (312) 496-9324

[email protected] Edward Tyburski

SVP, Accident & Health Sales (216) 447-4035 [email protected] Most preferred • Groups of 2,500+ employees across most industries Moderate preference • Groups of 500-2,500 employees across most industries Least preferred • Groups under 500 employees Out of Appetite • Agriculture, Logging, Mining

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Accident & Health

Business Travel Accident Overview (Growth Target)

Insurance protection for domestic and international business travelers. Appetite

Qualified customers, with very few exception classes (such as airlines, mining). Product Breadth

Business Travel Accident (BTA)

• Employer-paid benefit plan that offers employees 24-hour insurance for any covered

accident from the time they leave home on a trip until they return

• More than 25 optional coverages available, such as medical, adding pleasure coverage

and/or family members

• Optional coverage for emergency medical expense resulting from injury or illness while

traveling abroad Travel Assistance

• Puts travelers in touch with a network of providers who can address medical, legal,

security, informational and personal assistance needs

• The program also provides essential information such as physician and hospital

information, travel advisories, weather forecasts and immunization requirements

• Flexibility to work with policyholders travel assistance provider of choice including World

Travel Protection a member company of the Zurich Insurance Group World Travel Protection Canada Inc. (WTP Assist)*

• In collaboration with the International Assistance Group, emergency assistance can be provided to any Zurich customer regardless of their country of origin or location of event

• Provides world-wide multilingual medical, informational, legal and concierge assistance services to customers 24 hours a day, 365 days a year since 1991

• Administered by a team who has solid experience in delivering quality customer service, emergency assistance, case management, cost containment and claims handling services

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Our value to customers

• Business travel accident insurance helps reduce gaps in employee coverage by providing an employer-paid benefit plan that offers coverage 24 hours a day, 365 days a year against any covered accident from the time an employee leaves on a trip until they return

• Direct access to highly experienced underwriters and a customer-focused policy form with myriad coverage options

• Ninety percent retention rate of Accident customers

*This is intended as a general description of certain types of insurance and services available to qualified customers through World Travel Protection Canada Inc. WTP operates as a third party travel insurance administrator for Canadian life insurance companies and banks, and is expanding its travel assist capabilities internationally.

[email protected] www.zurichna.com/accidentandhealth

Edward Tyburski

SVP, Accident & Health Sales (216) 447-4035

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Accident & Health

Group Sponsored Special Risk Overview (Growth Target)

Our Group Sponsored Special Risk is for diverse participant groups, organizations, clubs and select associations seeking accident coverage. We offer organizations flexible coverage with more than 25 offerings, to help protect customers of various sizes from small, local groups to large, national groups.

Appetite Target Markets

Include, but are not limited to:

• Boys and Girls Clubs and Associations • Camps

• Day Care Centers • Non-Profit Organizations • Recreation Centers

• Select Professional Associations Restricted Markets • Adult Sports • Aerialist • Bungee Jumping • Go-Karting • Jai Alai • Mini-bike Clubs • Parachutists Product Breadth GSSR features include:

• An admitted product provided to diverse participant and select association groups ranging in size from small, local groups to large, national groups

• Various products available by admitted forms

• High-limit and comprehensive coverage available for loss of life, medical expenses, lost wages and a vast portfolio of more than 25 optional coverage

• Primary Medical for K-12 Students • Professional Sports • Rodeo Events • Scuba Diving • Skateboarding Clubs • Sky-Diving • Snowboarding Clubs

• Select Trade Associations and Union Groups • Student Groups (K-12 and College) • Trips and Tours

• Volunteer Organizations • Youth Sports

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Edward Tyburski

[email protected] Our value to customers

• A solid base policy with the flexibility to help meet the needs of our customers, whether single or portfolio accounts

• Customized solutions with myriad coverage options of new and innovative benefits • We understand the value-added role of benefits for membership groups as well as the

risk management issues of participant accident • Superior, on-demand, claims service

[email protected] www.zurichna.com/accidentandhealth

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Most preferred

• Self-funded employers across all industries with a self-insured retention of $50,000 or more who utilize an administrator offering strong claim management solutions and have access to a top tier provider network

Moderate preference • Self-funded employers

across all industries with a self-insured retention of $25,000 or more who have access to a top tier provider network

Out of Appetite

• Groups not having an employer-employee relationship, MEWAs, PEOs, Employer Leasing Companies, Tribes

Accident & Health

Medical Stop-Loss Overview

For more than 15 years, Zurich has been providing risk transfer solutions for employers who self-insure their employee health insurance benefit plan.

Appetite

Product Breadth • Available in all states

• Minimum group size 51 employees, lower in some states • Deductibles from $25,000 - $1M

• Specific and aggregate medical stop loss with a variety of coverage terms Our value to customers

• Exceptional claims handling with 99 percent of Medical Stop Loss claims in 2014 processed within 10 business days and 90 percent within 5 days

• Direct access to an underwriting and sales team that averages 21+ years of Medical Stop Loss experience

• Broad portfolio of coverage options including a level-funded product to support smaller employers

Contact Julie Bobak

Profit Center Manager (312) 496-9601

[email protected]

Edward Tyburski

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Mike Saporito

Head of Occupational Accident (312) 496-9329

[email protected] Provides coverage for on-the-job injuries suffered by independent contractors (owner-operators) not covered under statutory workers’ compensation and leased to a customer-trucking firm.

Appetite

• Owner-operators and 1099 contract drivers are eligible • Need a minimum of 3 insured drivers

• Logging, livestock and gravel truckers are not eligible Product Breadth

Occupational Accident:

• Covered injuries include accidental death, dismemberment, paralysis, disability and/or medical expenses

• An accident or injury may expose both the injured driver and the trucking company to catastrophic financial losses

• Product is exclusively targeted to the trucking industry • High policy limits are available (up to $4M aggregate limit)

• A contingent liability option is available to provide the trucking company with legal defense and workers’ compensation benefits if a covered driver seeks employee status for the purpose of receiving workers’ compensation

Our value to customers • High policy limits

• Extensive experience in this market; senior Occupational Accident underwriters average 20 years experience

• We have a 96 percent renewal rate; evidence of customer satisfaction and loyalty • Quick quote turnaround: five days or less

• High success rate: 25 percent closing ratio

• One of the most comprehensive product portfolios in this market segment Contact

Seth Shannon

Vice President, Occupational Accident Sales (214) 601-5543

[email protected]

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Accident & Health

Managed Care Organization Medical Excess Overview

Zurich North America has the capabilities and resources to help address the needs of Managed Care Organizations. Our in-depth knowledge and intimate understanding of the complexities in the healthcare arena enable us to craft flexible programs that aim to give you the best outcomes. Managed Care Solutions from our Accident & Health Special Risk division can help you manage risk and control costs.

Our strong Medical Malpractice and P&C offerings, in combination with our Managed Care Products, enable us to offer a coordinated risk management and mitigation program. Appetite

Most preferred

• Health Systems or Hospitals

• Independent/Regional Health Maintenance Organizations Moderate preference

• Physician-Hospital Organizations (PHOs) Out of Appetite

• Entities without prior experience in a managed care environment • Entities seeking Aggregate Only coverage

Product Breadth

• Provider Excess Insurance • HMO Reinsurance

• Medical Excess Reinsurance over Managed Care Entities Value Added Services

• Customized and full spectrum coverage solutions for multiple exposures (property, casualty, patient exposures)

• Clinical Risk Management resources and access to preferred cost containment vendors • Direct access to Underwriting, Risk Management, and Claims Management

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Our value to our Customers

• We combine coverage for Excess Loss with value-added services to help create the best solutions for our customers.

• Our creative approach to assessing risk allows the design of custom Medical Excess Reinsurance programs that assist Managed Care Organizations in dealing with the unpredictable frequency and costs of member claims.

• Zurich’s Provider Excess policy provides coverage for medical providers against the inherent financial risk associated with the treatment of patients under capitated agreements.

Contact Michael Griffin Head of MCO Excess (847) 605-7765

[email protected]

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Political Risk Insurance Overview (Growth Target)

Companies that sell, invest or lend into emerging markets face potential losses from political risks that can dramatically affect their balance sheets. Zurich is ready to help them with a market-leading team featuring the most underwriters, worldwide offices, capacity and collective experience of any private political risk insurer.

Appetite

Typical clients having over $100M in sales and including, but not limited to:

• International banks

• Large manufacturers with overseas facilities

• Trading companies

• Construction, telecommunications, power and other infrastructure developers

• Natural resources companies: oil, gas, mining

• Other firms selling to overseas governments and state-owned entities, as well as to

private buyers Out of Appetite

• Transactions violating U.S., E.U., U.N., or other sanctions

Product Breadth

• Contract frustration pre- and post-shipment coverage

• Currency inconvertibility

• Expropriation

• Non-honoring of sovereign, sub-sovereign or state-owned enterprise obligation

• Political violence

• Unfair calling of bonds, or fair calling for political reasons

Value-added services available to qualified customers

• Advocacy in the event of potential losses as further described at

http://www.zurichna.com/internet/zna/SiteCollectionDocuments/en/Products/tradecredit/ FinalClaimsOverview.pdf

• Manuscripted policy wordings to fit the needs of the client for the particular transaction

• Local experience, policy issuance and compliance – worldwide

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• Stability through good times and bad

• Large capacity available (US$150 million)

• Worldwide presence and experience

• Membership in the Berne Union of export credit and investment insurers

• Awards and recognition: Zurich Credit & Political Risk has received numerous awards

globally, including Best Private Insurer in Trade Finance Magazine every year since 2002 Contacts:

James Thomas Managing Director

Zurich Credit & Political Risk (305) 341-4351

[email protected]

David Anderson

Director, Global Business Development Zurich Credit & Political Risk

(202) 585-3113

[email protected]

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Credit & Political Risk

Short-Term Multibuyer Trade Credit Insurance Overview

(Growth Target)

Insurance protection for the nonpayment of commercial accounts receivable from

unexpected and catastrophic losses due to insolvency, protracted default and political risks. Appetite

• Manufacturing and wholesale companies with the following criteria:

– Annual sales of at least $100M

– Established and sophisticated credit management procedures

– Experienced credit personnel

– Stable loss history

– Business to business sales

• Financial institutions that purchase or factor trade accounts receivable. Product Breadth

Zurich Credit & Political Risk offers the following types of Short-Term Multibuyer Trade Credit Insurance policies:

• Whole turnover (excess of loss) • Key account

• Single buyer

• Top up (excess of primary) • Multi-insurer syndicated programs • Receivable purchase programs

Zurich’s Trade Credit policy parameters for short-term receivables include:

• Non-cancelable buyer and country limits – Buyer and country limits are approved for the policy term. Coverage will not be reduced or withdrawn mid-term

• Discretionary credit limit – Offers insureds the ability to coverage under the policy, up to a predetermined limit, providing them with the flexibility needed to effectively manage their business and credit management processes

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• Aggregate annual deductible, per loss deductibles, non-qualifying loss and/or enhanced co-insurance can be leveraged for risk sharing strategies

• Policy limit of liability up to $250M

• Buyer limits up to $100M per buyer per policy • Minimum premium of $75,000

• Premium may be based upon sales or buyer limits Our value to customers

• Experienced underwriting staff that works with the client to help manage credit risks • Responsive service based in New York with selective international capability

• Awards and recognition: Zurich Credit & Political Risk has received numerous awards globally, including Best Private Insurer in Trade Finance Magazine every year since 2002 • Collaboration with public sector export credit agencies and other private insurers

through our membership with the Berne Union, an international union of private and public insurers, as well as ICISA, an international association of trade credit insurers and surety bond providers

• Robust product offering includes Political Risk insurance solutions Contacts

Anthony Barrett Head of Short-Term

Multi-Buyer Trade Credit Insurance (212) 553-5348

[email protected] www.zurichna.com/tradecredit

David Anderson

Director, Global Business Development Zurich Credit & Political Risk

(202) 585-3113

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Environmental – Site Overview (Growth Target)

Zurich helps companies in many industries navigate the ever-changing world of environmental risk, whether it’s stricter government regulations, intensifying consumer concern on environmental issues or protecting new assets. We provide your business with easy-to-understand, cost-effective environmental insurance solutions, where you can customize your policy for today’s needs and adjust in the future when new risks arise. Appetite Most preferred Moderate preference Less preferred • Agriculture • Apartments

• Assisted Living – retirement homes • Bank/lender driven deals

• Brownfield Development • Chemical blender – distributor • Colleges & universities • Dairy Products

• Food production, services • Forestry

• Gas fired power plants • Hospitality – hotels • Hospitals

• Landfills

• Manufacturing Risks

• Metal cutting – blending • Metal recycler

• Metals mining • Natural gas pipelines • Nonmetallic mining • Packaging

• Rare earth mining

• Real Estate, commercial office • Real Estate, retail

• REITs

• Renewable energy • Soft drinks & breweries • TSDFs

• Warehouse • WWTPs & WTPs

• Animal farms • Auto service facilities • Coal fired power plants • Crude oil pipeline • International airports • Iron-steel works • Meat packing • Oil & gas wells

• Oil terminals • Paper mills

• Petrochemical refineries • Refined product pipelines • Schools (K-12)

• Textile mills • Wood treatment

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Product Breadth

• Z Choice®_{– Allows you to select the exact coverages you need now and pay for only those}

coverages

Product information:

– Aggregate limit $25M

– Contractor’s Pollution Liability coverage can be considered in conjunction with a

Z-Choice (Fixed Site Pollution) placement.

– Policy terms up to 10 years

– Minimum premium: $10,000

– Minimum deductible: $25,000

– Non-admitted

– Target customers: Any customer with the potential to harm the environment as a

result of their operations, raw materials, disposal practices and waste streams

• Z Choice®_{REEL – Zurich designed its Z Choice}®_{Real Estate Environmental Liability (REEL)}

policy to facilitate real estate transactions to provide coverage against the environmental liabilities associated with the ownership, operation, development or management of commercial real estate properties

– Offers three new coverages in the marketplace: Crisis Management Expense

Aggregate Limit, Green Remediation Limit and Green Standards Aggregate Limit

• Lender Environmental Collateral Protection - Lender environmental policies cover the

collateral value of commercial real estate backed loans in the event of a loan default and pollution event

Product information:

– Each loan is covered for the term to maturity specified in mortgage agreement

– Written on portfolio or individual loan basis

• Zurich Environmental Emergency Response (ZEER) connects our Insureds to a Zurich

Environmental Claims Professional, who is experienced in handling crisis management 24 hours a day - 365 days a year

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Robert Hampel

Head of Environmental Site (404) 851-3447

[email protected] www.zurichna.com/environmental

Debra Hausser

Financial Institutions Leader Environmental Site

303-224-4071

[email protected] Our value to customers

• Zurich is one of the largest underwriters of environmental insurance in the U.S.

• We offer environmental insurance products to various major industry groups

• We have consistently handled environmental claims as an industry leader in this segment

since 1992, and our dedicated Environmental Claims department includes environmental claims professionals consisting of experienced former environmental contractors, consultants, regulators, underwriters, and attorneys

• Environmental Claim professionals regularly handle catastrophic losses including

explosions, chemical releases, oil spills, fatalities, brain injuries, burn injuries, paraplegia and quadriplegia both domestically and internationally

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(Part of Healthcare Practice Group)

With a wide spectrum of products offered through the Healthcare Practice Group, Zurich offers its customers coverage for Professional Liability, Property and Casualty exposures. Zurich’s customers depend on the responsiveness of their Zurich service team which represents expertise in claims, risk consulting and underwriting for the past 20 years. We deliver value through efficiency and expertise.

Appetite Most preferred

Various classes of hospitals:

• Academic Medical Centers & others

• General Medical

• Surgical

• Women’s & Children’s

International healthcare facilities, including Canadian based facilities and foreign locations of U.S. providers.

Moderate preference

• Behavioral Healthcare

Least preferred

• Dialysis as a stand-alone operation

• Independent physician groups

• Individual physicians

• Long term care facilities – stand alone

• Pathology labs as a stand-alone operation

Out of Appetite

• First dollar coverage

• Occurrence coverage for Healthcare Professional Liability (HPL)

Most out-patient facilities:

• Blood Banks

• Labs

• Rehab Facilities

• Surgical Centers

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Product Breadth

Primary and Excess Coverage (Umbrella, Excess, Captive Reinsurance) over underlying Professional Liability, General Liability, Auto Liability, Employers Liability, and other casualty lines.

• Ambulance

• Integrated programs

• Property

• Security & Privacy…and more!

• Endorsed by University Healthcare Consortium as preferred carrier for Healthcare

Professional Liability

• Offers Healthcare Symposium with continuing education credit toward risk

management accreditation

• Regional seminars and educational programs to alert customers on emerging trends

• Assessment tools for Security & Privacy

• Supply chain management assessment

• White papers offering research on topics affecting hospitals and clinicians

• Customized, on-site consultation and education

• Clinical Risk assessment reports

• Complimentary subscription to ECRI Institute Healthcare Risk Management System

• Advising on integration of newly employed physicians

• 5 regional offices that identify risk trends and share a national perspective with

our customers

• Claim reserving consultation

• Supporting customers through Crisis Management with media specialists

• E-Discovery relationships to help respond efficiently

• Industry expertise and a collaborative working relationship

• Range of relationships with medical experts and consultants to assist in Claims resolution

• Broad experience covering hospital systems conducting mergers & acquisitions

Contacts

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Overview (Growth Target)

Specialty E&O solutions provide our customers with the flexibility they are looking for when covering professional liability exposures through the following core products:

• Zurich Pro Plus®

• Zurich Security & Privacy Protection

• Zurich Employed Lawyers Select®

Appetite for E&O

Miscellaneous E&O Appetite: Most preferred

• Business consultants; HR, Mgmt., marketing, training • Property managers; 3rd

party, not domiciled in CA • Real estate agents; 3rd

party, not domiciled in CA • Event planners/coordinators • Business process outsourcers • Freight forwarders • Receivership services • Trust management (3rd party) • Office administration • Book keeping services (non

CPA)

• Public relation services

Moderate preference • Collection agents (3rd party, no debt/ receivables factoring) • Franchisors • Medical billing/coding • TPA services

• Printers (no cost of corrections or over- redemption coverage) • Very limited appetite

for risk needing contingent BI/PD coverage (case by case basis) Out of Appetite • Accounting firms/services • Actuarial/valuation services • Appraisal, surveying or inspection • Construction/building/ development • Design/engineering/ architectural • Entertainment; bands, actors etc. • Religious organizations/ services • Law enforcement/security/ detective

• Financial services; lending, insurance brokerage, ATM servicing

• Railroad operations • Maintenance operations • Title, escrow, abstract

services

• Marine cargo operations • Trucking/common carriers

and contract carriers • Publishers/broadcaster • Lead generation services • Aviation and associated

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Technology E&O Appetite:

Security and Privacy Appetite: Most preferred • IT consulting • Data service/management • Web hosting/development • Business software; development/sales/ distribution • IT equipment, maintenance, integration services

• Cloud service providers (SaaS, PaaS, and IaaS)

Most preferred • Healthcare • Healthcare service providers • Technology • Data management/hosting • Retail • Manufacturing • Hospitality

• Most classes of business fit our appetite Moderate preference • Individual consumer software; development, sales, distribution • Telecom hardware • Electronic component manufacturing • Manufacture of computers/information processing equipment • Internet service providers • Systems analysis/ design Moderate preference • Education • Public/government entities • Casinos Out of Appetite

• Actuators or other process control manufacturers • Game developers • Chip Manufactures/pure manufactures • Software/hardware involved in medical procedures

• Financial trading software

Out of Appetite

• Payment card processors • Financial Institutions;

banking, trading, lending, Insurance services • Social networking sites

Restricted classes only for Media;

• Publishers/broadcasters • Online advertising • Movie production houses • Online media portal sites;

AOL, Yahoo, You Tube, Facebook, etc.

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Product Breadth

Zurich Pro Plus provides limits of up to $25M and offers customers extensive insurance protection with the flexibility to choose coverage that works best for them, all in one policy:

• Miscellaneous professional and media liability

• Technology and media liability

• System Security and Privacy liability

• Primary and Excess for both E&O and S&P

Zurich E&O, S&P, and ELP Coverage Highlights: Employed Lawyers Appetite:

Most preferred

• 90 day automatic extended reporting period

• Definition of covered media extends to print and electronic content including books, pictures, broadcast, software, and more

• Insured’s liability included for actions of independent contractors and third party vendors, and leased and temp workers

• Most favorable venue wording

Most preferred • Very broad appetite

Moderate preference • No “name in

combination” language for coverage trigger

• Consumer redress fund applies to the full limit of liability • No “maintenance of

network language” exclusions

• Available coverage for healthcare records remediation

• Voluntary and statutory reported • Free access to eRisk

Hub • Zurich Risk

Engineering Services available

Moderate preference • Most classes can

be added to E&O coverage via endorsement Out of Appetite • Broad definition of “insured”, extends to contract and part-time lawyers as well as paralegals, notaries, and support staff

• Broad coverage for pro-bono and moonlighting • Three year look back

provision on insured vs. insured exclusion • 80/20 cooperation clause • Full limit for securities

claims Out of Appetite

• Political action committees • Charitable organizations • Lobbying firms

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Zurich Security and Privacy Protection coverage helps customers address privacy concerns, data protection and system security. The standalone policy provides:

• Security and Privacy Liability coverage, with limits up to $25M

• Privacy breach costs*

• Other first party coverages*, including business income loss and cyber extortion threats

• Internet media liability coverage*

• Flexible retention

• Segmented teams focused on the needs of National Accounts (over $750M revenues)

and Middle Market Accounts (under $750M revenues)

*available as options for additional cost

Zurich Employed Lawyers Select offers an E&O policy specifically for staff attorneys. In addition to many features and enhancements found in Zurich’s directors & officers policies, the coverage includes:

• A broad definition of “insured” that extends to contract and part-time employed lawyers

• A flexible, extended reporting period of up to six years for the entity

• Broad coverage for moonlighting and pro bono work

• 80/20 cooperation clause

• No sublimit for securities claims

Zurich’s Risk Engineering assessment is available to all Security and Privacy qualified customers, assisting in developing a tailored risk management approach (certain services may be provided on a fee-for-service basis). Services led by our Cyber Segment Director.

• Upfront cyber risk assessment

• Pre-breach assessments

• Review security practices

• Conduct network vulnerability scan and perform testing services

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• Dedicated Risk Engineering Cyber Segment Director

• Industry leading forms for E&O

• Regionally dedicated and experienced underwriters. We pride ourselves on our global

footprint to align with our brokers and customers

• Superior claims capabilities and customer service. Specialty E&O stands apart from our

peers with an integrated claims model – bringing underwriting and claims together to provide a superior product

• Total global value proposition. Zurich’s reach is worldwide and can provide solutions as

the customer’s global footprint evolves

• Cyber Thought Leadership from Zurich

www.zurichna.com/zna/securityandprivacy/cyberthoughtleadership.htm

1. NetDiligence and Kroll Fraud Solutions are not subsidiaries or affiliates of Zurich and use of their products and services are independent of, and not included within, the Zurich Security and Privacy Protection policy or any other Zurich product or service. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of these vendors.

Contact

Catherine Mulligan Head of Specialty E&O (212) 553-5560

[email protected] www.zurichna.com/professional-liability

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Management Solutions

Zurich Corporate Directors and Officers Liability Insurance:

Zurich D&O Select

®

_Overview

A suite of flexible coverages offering for public companies and large private companies which incorporate 100+ policy enhancements.

Appetite

All publicly traded U.S. companies, as well as private companies with revenue over $2.5 Billion. Corporate has a diversified portfolio comprised of major industry classes and varying sizes.

• Preferred: Energy, Manufacturing, Services

• Least preferred: For-Profit Education, Biotechnology Product Breadth

• Directors and Officers

• ZEUS™_{Side A policy - insurance coverage for directors’ and officers’ personal assets if the} company cannot indemnify them, inclusive of industry leading international coverage • Employment Practice Liability (EPLI)

• Fidelity

• Transactional Liability Value Added Services

• D&O Corporate Indemnification: a reference guide by country – helps manage global risks more effectively

Our value to our Customers • Strong customer focus

• Clearly articulated, consistent underwriting appetite • Integrated claim model and superior customer service • Expertise in handling international programs

Contact Will Fahey

Head of Corporate D&O (212) 553-5629

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Zurich has a longstanding record as one of the top carriers within the REIT sector. We have an experienced team of dedicated underwriters and claims professionals that are able to respond to the unique needs of REIT clients.

Appetite

All REITs with SIC code of 6798 Most preferred

• Publicly Traded Equity REITs in the following sectors: Industrial, Office, Retail, Residential, Lodging/Resorts and Specialty sectors including Self Storage and Timber

Moderate preference

• Publicly Traded Equity Healthcare REITs Least preferred

• Hybrid Equity REITs Out of Appetite

• Mortgage REITs and Public Non-Traded REITs Product Breadth

Primary and excess for the following products: D&O, A Side/DIC, EPLI, Fiduciary, Fidelity Value Added Services to Qualified Customers

• Zurich D&O Select®_{and Excess Select offer numerous competitive enhancements} • Primary REIT coverage enhancements custom tailored to the specific needs of today’s

REIT clients

• International Programs capabilities from Zurich offering locally admitted policies in foreign jurisdictions Contacts Jason Rogers Vice President (212) 553-5459 [email protected] Anthony Ottati Senior Underwriter (212) 553-5750 [email protected]

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Management Solutions

Zurich Private Select and Zurich Not-For-Profit Select

Overview

A suite of flexible coverages offering not-for-profit organizations and private companies best-in-class insurance solutions in today’s marketplace.

Five key coverages are offered through a modular offering:

• Directors and Officers

• Employment Practices liability (including third party)

• Fiduciary liability

• Crime

• Kidnap & Ransom

Through our relationship with Hiscox, a leading provider of kidnap and ransom insurance, Zurich is offering Kidnap & Ransom coverage to qualified private companies and not-for-profit organizations. Zurich Private Company Select and Not-for-Profit Select clients can now take advantage of additional coverages and services to help protect the security of their employees.

Appetite

Preferred Industry classes:

• Business services

• Charitable organizations

• Durable goods

• Electric, gas and sanitary services

• Fabricated metal products

• Food stores

• Industrial machinery and equipment

• Lumber and wood products

• Manufacturing

• Mining non-precious metal

• Oil and gas drilling, exploration

• Paper and allied products

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Product Breadth

Our product solutions can be customized to a customer’s needs. Zurich’s Private Select and Zurich Not-For-Profit Select has the flexibility to respond to one coverage need or to provide a seamless suite of up to four coverages depending on each company’s requirements. Streamlined application process and single point-of-contact for underwriting.

• Capacity up to $25M is available

• Coverage is available on a duty-to-defend basis for private companies with up to $100M

in revenues and on an indemnity basis for companies with revenues greater than $100M in revenues. An additional Limit of Liability for Defense Costs of $1M is available. Value-added services available to qualified customers

• HR Care®*_{(hrcare.com) provides access to employee law resources}

• HRClassroom.com offers a way to deliver quality, easy-to-use employee

compliance training

• Hotline services feature personalized, practical, confidential advice from experienced

attorneys at one of the country’s leading employment law firms, Jackson Lewis LLP Our value to customers

• Industry leading forms for Management Liability

• Regionally dedicated and experienced underwriters. We pride ourselves on our global

footprint to align with our brokers and customers

• Superior claims capabilities and customer service. Management Solutions Group stands

apart from our peers with an integrated claims model – bringing underwriting and claims together to provide a superior product

• Total global value proposition. Zurich’s reach is worldwide and can provide solutions as

the customer’s global footprint evolves

* HR Care® and Control Risks are not subsidiaries or affiliates of Zurich and use of their products and services are independent of, and not included within, Zurich’s products or services. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of HR Care® and Control Risks.

Contact Beth Goldberg

Head of Middle Market D&O (212) 553-5468

[email protected]

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Railroad Liability Overview

Navigating the complex risks of your client’s railroad operations and knowing which insurance coverages will best protect their investment are daunting tasks. With two decades of railroad risk management experience, Zurich’s unique perspective of railroad insurance can help.

Appetite Most preferred

• Class I, II and III railroads

• Commuter, mass transit and light rail systems

• Excursion operators and railroad museums

• Lessors of rail equipment and locomotives

• Lessees of rail equipment and locomotives

• Shortline and regional railroads

• Suppliers and service providers

• Tourist and scenic railroads

• Terminal and switching railroads

• Track owners

Moderate preference

• Manufacturers of non-critical rail car and locomotive components • Trans loading only operations

Least preferred

• Lessors of pressurized tank cars Out of Appetite

• Manufacturers of critical rail car and locomotive components Product Breadth

Railroad Operations

• Primary and excess programs

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Value-added services available to qualified customers • Zurich Environmental Emergency Response (ZEER) • Loss Control Services

• Same day turnaround on railroad protective quotes • Railroad property capability

• Crisis management Our value to customers

• United States and Canadian coverage territory

• Quality claims service, responsiveness and technical knowledge • 20 years in the Railroad insurance business

• Railroad property capability Contact

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Zurich Railroad Property Overview

Zurich Rail Property offers flexible property coverage designed to provide insurance protection of an Insured’s valuable Railroad Assets.

Appetite Target Classes

• Commuter Rail & Light Rail

• Large Freight Railroad Companies (Class I) • Leased Railroad Rolling Stock & Equipment

• Railroad Equipment owned by non-railroad Companies • Regional Railroads (Class II)

• Short Line Railroads (Class III) Product Breadth

• Comprehensive Railroad Property Policy – Provides coverage for Building, Contents, Rolling Stock, Maintenance of Way Equipment and ancillary Inland Marine Coverage • Railroad Rolling Stock (Locomotives, passenger cars, boxcars, and tankers)

• Rolling Stock Leased or Rented to Others, Track & Roadbed, Business Income & Extra Expense

• Maintenance of Way Equipment • Bridges and Tunnels

• Bill of Lading • Foreign Rolling Stock Our value to customers • Domestic Capacity up to $25M

• Mono-line Primary and Shared Excess Programs • Underwriting Expertise & Flexibility

• Exceptional Claims Services • Risk Engineering Services Contact

Robert Merluza

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Services

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A surety bond is a written agreement that guarantees performance of a contract if the bonded entity or individual fails to perform in accordance with the terms and conditions of the contract or obligation. Contract surety bonds are required for construction contractors who perform public work projects and commercial surety bonds are used to cover a wide variety of non-contract obligations.

Appetite Contract Surety

• Capacity of $2B or more

• Construction companies with strong net worth and working capital and revenue $10M

and above

• Customers based in North America or internationally

• General Contractors, Civil-Heavy Highway, major sub trades such as Mechanical and

Electrical Contractors Commercial Surety

• Fortune 2,000 and regional companies with strong credit ratings (BBB or above)

• Best in class companies in finance, retail, utilities, mining, manufacturing,

pharmaceutical and transportation

• Capacity for single bonds up to $600M including appeal bonds for top credits

Product Breadth Contract Bonds • Bid Bonds • Performance Bonds • Payment Bonds • Supply Bonds

Commercial (Non-Contract) Bonds

• License and Permit Bonds

• Court Bonds (judicial bonds and fiduciary bonds)

• Miscellaneous Bonds

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Zurich helps U.S., Canadian and internationally based customers succeed by offering meaningful surety capacity through a relationship-based approach with locally based underwriters empowered with decision-making authority.

Market Leading Surety Provider

• Top three global surety provider in the world with a presence in more than 60 countries

• Provide capacity of up to $2B or more to more than 40% of the largest U.S. contractors

with competitive pricing Industry Expertise

• One of the largest continuous operating U.S.-based surety provider since 1890

• Surety underwriters with average of 21 years experience

• Dedicated Risk Management group and 35 claim attorneys on staff throughout

North America Flexibility

• Field underwriters across 38 locations have the substantial local authority to respond to

a customer’s needs quickly Contact Michael Bond Head of Surety (410) 559-8702 [email protected] www.zurichna.com/surety

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Zurich Specialty Products provides property products for catastrophe-exposed and hard to place risks through select wholesale broker relationships to the Excess and Surplus Lines marketplace.

Appetite Preferred

• Churches and Religious Institutions

• Condominium Associations

• Educational Facilities

• Healthcare Facilities, Nursing and Retirement Homes

• Hospitality/Resorts

• Manufacturing Facilities (Light to Medium)

• Municipalities

• Real Estate Schedules

• Retail and Wholesale Schedules

• Warehouses and Distributors

Talk to a local underwriter for additional Classes of Business Least Preferred

• Habitational: Garden Style & Mid/High Rise Apartments

Out of Appetite

• Builders Risk

• Energy & Chemical Related Risks

Product Breadth

• Property

We provide insurance solutions to the E&S marketplace with property coverage for all-risk coverage including the perils of Earthquake, Flood and Named Storm.

We offer capacity up to:

• $25 million – All Risk per occurrence including Flood and Earthquake – outside of Critical

Catastrophe Zones

• $10 million – All Risk per occurrence including Flood and Earthquake – in Critical

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Capacity can be offered on a primary and excess layer basis, and quota share participation of layers is acceptable.

Coverage can include:

• Critical Catastrophe Earthquake within the State of California, Alaska, Hawaii and

Pacific Northwest and New Madrid EQ Zones

• Zones Flood: Exposure in all SFHA 100 year Flood Zones

• Named Storm: Entire State of Florida and all Tier 1 locations in the States from Virginia

through Texas (includes Harris Co.) Our value to customers

• Underwriting expertise – Dedicated and experienced underwriters provide ease

of contact and knowledgeable service with a goal of providing a stable, long-term relationship

• Responsive claims services – Our claims team of professionals consistently achieves

technical excellence and high ratings for their timely and efficient service

• Risk engineering services – Zurich’s team of specialized risk engineers utilize our suite

of internal resources to understand, identify and manage our customers’ risks Contacts

James Dowdy Profit Center Manager (404) 270-1958 [email protected] Corey Robinson Underwriting Manager (404) 270-1959 [email protected]

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Specialty Products Umbrella offers both lead and excess solutions for construction customers of all sizes and commercial customers with revenues up to $750M. Appetite

Target industries include:

• Contractors and Construction Wrap-Ups

• Environmental (supported)

• Financial Institutions

• Hotels and Restaurants

• Manufacturing and Processing

• Real Estate

• Technology

• Transportation

• Wholesale and Retail Stores

Product Breadth

• Umbrella Liability – Flexible A/B coverage form eliminates gaps

• Excess Umbrella - Provides excess limits over lead umbrella policies and other excess policies

• Straight Excess – Provides excess limits over primary coverage

Lead Umbrella features

• Zurich’s Umbrella Form is a policy form with clear language that provides two separate

Insuring agreements – Coverage A and Coverage B

• Coverage A provides clear coverage grants with few exclusions and follows the terms

and conditions of all scheduled underlying policies

• Coverage B provides broader than primary coverage grants for the truly fortuitous

loss exposures

• Fewer definitions means coverage will be consistent with terms and conditions

of underlying forms

• Crisis Management Coverage included in most states – an important

coverage enhancement

• Form automatically accommodates defense inside and outside limits

• Ability to write on both a supported and unsupported basis

• Ability to write on both admitted and non-admitted policy forms

Restricted classes:

• Invasive Medical Products

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• Dedicated excess casualty claims team

• Responsive claims services in an efficient and timely manner

• Industry Leading Forms - Including our flexible A/B coverage form

• Capacity – Limits up to $50M to accommodate customer’s needs on a ventilated basis

• Superior Claims Capabilities - Our claims team consistently achieves high ratings for

their service

• Regionally dedicated and experienced underwriters – We align ourselves with our

brokers and customers Contact

Susan K. Gibson, CPCU

Head of Umbrella/Specialty Products (412) 937-5135

[email protected] www.zurichna.com/umbrella