1. Global Product GuideCFC Underwriting Ltd. Registered in England and Wales, No. 3302887. VAT No. 135541330 Authorised and regulated by the Financial Services Authority. FRN: 312848 Registered Office: 85 Gracechurch Street, London, EC3V 0AA, United Kingdom

2. PRODUCTSSector Products ProfessionalsTechnology & Media Life Sciences Healthcare Not For Profit Architects & EngineersTechnology CompaniesResearch & Development Allied Health & MedicalTrade Associations Recruitment AgenciesMedia CompaniesMedical Device Companies Fitness InstructorsResident & Tenant AssociationsProfessional Employer Firms Social Media CompaniesLong Term Care FacilitiesMiscellaneous ProfessionalsSkilled Nursing FacilitiesCross-Sector ProductsCyber & Privacy Liability Management Liability Excess Liability 1 3. PROFESSIONSAbout Our Professions TeamWe provide specialist insurancefor thousands of professionalservice firms worldwide.Over the last decade, weve brought a specialist approach to all kinds of industriesand today, we write over 300 different types of professionals, from the more standardones, like management consultants and project managers, to alpaca breeders andolive oil consultants. Every customer gets our tailored approach so no matter whatthey do for a living, they have cover which suits them.We also recently added a recruitment product to the suite which targets a wide varietyof recruitment, employment and staffing agencies, and takes into account the uniquerisk profile of this sector.Our professions suite includes four products - A&E, RES, PEO and PRO. All aremodular, specially tailored and backed up by a service-driven team of underwriters. 2 4. A&EINSURANCE FOR ARCHITECTS & ENGINEERSWhos it for?What are the limits, deductibles, and premiums? Civil engineers Landscape architectsMaximum Professional Liability Limit: 5m / 6.5m / $10m Conservation managers Mechanical engineersMaximum General Liability Limit: 10m / 13m / $20m Electrical engineers Project managersMaximum Employers Liability Limit: 10m / 13m Environmental engineers Town planning engineers Maximum Property Limit: 10m / 10m / $10m Expert witnesses Structural architects Maximum Revenue:5m / 5m / $5m Feasibility studies Structural engineersMinimum Deductible: 1k / 1k / $1k Geotechnical engineers Structural surveyorsMinimum Premium:300 / 300 / $300 HVAC engineers Other architects Hydraulic / fire engineers Other engineers Why bother with A&E? Land surveyors Other surveyors Our policy provides you with unambiguous cover for breach of a client contract, an increasingly vital piece of cover.What does it cover? Rather than buying each line separately, A&E provides architects and engineers Professional liability with fully tailored coverage in one simple, cost-effective package. A&E takes into Breach of contract account the unique risk exposures of these professions. Intellectual property rights infringement A&E features robust business interruption cover which is available on a Pollution liabilityflexible first loss basis. This means that whatever type of business interruption Loss of documentsloss is suffered, only one sum insured needs to be purchased and consequently Virus and hacking attack liability a lower premium can be offered. Our BI cover also features tailored Loss mitigationenhancements which cover this industrys unique risk profile. Payment of withheld fees Employers liability* General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Property Business interruption*This is not available for customers in the US 3 5. RESINSURANCE FOR RECRUITMENT, EMPLOYMENT, & STAFFING AGENCIESWhos it for? What are the limits, deductibles, and premiums?Its for agencies who supply workers into the following sectors:Maximum Professional Liability Limit:5m / 6.5m / $10m Financial services Human resources Maximum General Liability Limit: 10m / 13m / $20m Construction Marketing, media and communications Maximum Employers Liability Limit: 10m / 13m Driving / haulage Medical / nursing Maximum Property Limit: 10m / 10m / $10m Education Office / clerical workers Maximum Revenue: 100m / 100m / $100m Engineering and technical Oil & gas Minimum Deductible:1k / 1k / $1k Hospitality Pharmaceutical & scientific Minimum Premium: 300 / 300 / $300 Interim management Public Sector IT / telecommunications Retail / salesWhy bother with RES? The vicarious liability section of our policy provides the insured with explicit cover What does it cover? if found legally liable for the actions of placed personnel. The liability sections Professional liabilityalso cover claims arising out of injury or damage involving placed personnel. Vicarious liability Most policies include a clause restricting coverage to the placement of Placed personnel dishonestlytemporary workers through standard contracts, which deem placed personnel to Breach of the Agency Workers Regulations Act 2010*be the employees of the end client, but increasingly this is not reflective of how Breach of contractrecruitment works. We, however, dont differentiate between standard and non- Intellectual property rights infringement standard contracts. Pollution liability RES covers claims arising from unintentional breaches of the Agency Worker Loss mitigation Regulation Act 2010 (AWR).* Payment of withheld fees Employers liability** General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Property Business interruption*UK only **This is not available for customers in the US 4 6. PEOINSURANCE FOR PROFESSIoNAL EMPLOYER ORGANISATIONS*Whos it for?What are the limits, deductibles, and premiums? Professional employer organisationsMaximum Professional Liability Limit:$10m Maximum General Liability Limit: $5mWhat does it cover?Maximum Property Limit: $10m Professional liability Maximum Revenue:$100m Vicarious liabilityMinimum Deductible:$1k Placed personnel dishonestly Minimum Premium:$1k Breach of contract Intellectual property rights infringementWhy bother with PEO? Pollution liability As co-employers of all the employees working for their client companies, the Loss mitigationPEO can be found legally liable for the negligence of the co-employees or for Payment of withheld fees bodily injury and property damage they cause. We have a separate definition for General liabilityco-employees and have included them in the vicarious liability section and in the Products liability public liability insuring clause. Tenants legal liability The PEO wording includes, and contains a specific definition for, the Non-owned and hired auto liability administration of employee benefit programmes in the E&O insuring clause. Damage to hired autos We provide full cyber and privacy coverage including privacy breach Employee benefits liabilitynotification costs, system damage and system business interruption. As PEOs Medical expenses hold personally identifiable data on thousands of workers, this helps protect Property them against financial loss should this data get lost or stolen. Business interruption* This product is currently only available in the US 5 7. PROINSURANCE FOR PROFESsIONALSWhos it for? What are the limits, deductibles, and premiums? Accountants Insurance brokersMaximum Professional Liability Limit: 5m / 6.5m / $10m Agricultural consultants InvestigatorsMaximum General Liability Limit: 10m / 13m / $20m Bookkeepers Interior designers Maximum Employers Liability Limit: 10m / 13m Business consultants Management consultants Maximum Property Limit: 10m / 10m / $10m Data processors Project managersMaximum Revenue:25m / 25m / $25m Environmental consultants Quality assurance consultantsMinimum Deductible:Nil Fire consultants Real estate agents Minimum Premium:300 / 300 / $300 Food consultants Security consultants Health & safety consultants Training companies Why bother with PRO? HR consultants Other professional service firms The PRO wording covers work subscontracted to others, protecting the policy-holder against claims for wrongful acts either committed by him or herself orWhat does it cover? someone working on his or her behalf. Professional liability We can cover former firms as long as there has been cover in place Breach of contractcontinuously with no gaps, and we can easily add additional insureds through Intellectual property rights infringement the inclusion of our simple indemnity to principal clause which will satisfy most Pollution liability contractual requests. Loss of documents Not only does PRO give all the cover a professional needs in one simple, Virus and hacking attack liabilitycost-effective package, but well consider many unique or unusual professions Loss mitigation that might normally have trouble finding tailored coverage. Payment of withheld fees We offer broad contractual liability coverage, not just negligence. Employers liability* General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Property Business interruption*This is not available for customers in the US 6 8. TECHNOLOGY & MEDIAAbout Our Technology & Media TeamWe provide insurance forthousands of technology andmedia companies in over 50countries around the world.Back in 2000, CFC started as a specialist technology underwriter and since then, ourtechnology and media underwriting team has become the largest dedicated team inLondon. Our technology and media teams wealth of experience and the leading rolewe have played in the market has meant that weve seen just about every size andtype of firm there is.This experience means that we have become true specialists in these fields and areconstantly updating our products to meet the ever-changing needs of our clients. Asa result, over 200 technology and media companies move their insurance to CFCevery month.Our technology and media suite includes three groundbreaking products - TECH,MEDIA and 2.0 - which cover a wide variety of firms from software developers andbroadcasters to social media companies and online retailers. 7 9. TECHINSURANCE FOR TECHNOLOGY COMPANIESWhos it for? What are the limits, deductibles, and premiums? Application service providers IT support and trainingMaximum Professional Liability Limit: 5m / 7.5m / $10m Bespoke software developers Mobile content providers Maximum General Liability Limit: 10m / 13m / $20m Computer games developers Networking engineers Maximum Employers Liability Limit: 10m / 13m Digital marketing agencies Online gaming providersMaximum Property Limit: 10m / 10m / $10m Domain name registration (resellers) Packaged software developers Maximum Revenue:Unlimited Email providers Software value added resellers Minimum Deductible:Nil Encryption software providers System integrators Minimum Premium:300 / 300 / $300 Hardware value added resellers Web designers IT consultancy Web hosting (reselling)Why bother with TECH? IT security consultants Web service providers Our policy provides comprehensive cover for claims arising directly from the breach of a client contract including breaches of warranties and when indemnity What does it cover? provisions are triggered. Professional liability TECH covers the insured for claims made against them due to the acts of their Breach of contract liabilitysub-contractors. In fact, the language we use in our form is committed by you Intellectual property rights infringement or on your behalf, so we provide cover for the insureds own liability irrespective Loss of documents of who carried out the act which led to the claim. Virus and hacking attack liability In the technology industry, disputes can escalate quickly. Thats why weve Loss mitigation included a range of covers which help to solve a problem before it leads to a Payment of withheld feeslawsuit. These include loss mitigation coverage, cover for payment of withheld Employee fidelity fees, and brand protection cover. Website damage We provide worldwide cover as standard and can provide cover for companies General liability with up to 100% US revenues. Products liability Employers liability* Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Property Business interruption*This is not available for customers in the US8 10. MEDIAINSURANCE FOR MEDIA COMPANIESWhos it for? What are the limits, deductibles, and premiums? Advertising agencies New media / digital agencies Maximum Media & Professional Liability Limit:5m / 7.5m / $10m Authors PR consultants Maximum General Liability Limit: 10m / 13m / $20m Celebrities Press agencies Maximum Employers Liability Limit: 10m / 13m Content providers Publishers print and digital Maximum Property Limit: 10m / 10m / $10m Copywriters Radio stations Maximum Revenue:Unlimited Film distributors Social media agenciesMinimum Deductible: 1k / 1k / $1k Freelance writers Telemarketing companiesMinimum Premium:300 / 300 / $300 Graphic designers Television broadcasters Journalists Travel / creative / research writers Why bother with MEDIA? Marketing consultants Web-casters MEDIA is a seamlessly blended package policy which includes media liability, professional liability, cyber liability, privacy liability, general liability andWhat does it cover? property cover. If required, however, it can be monoline as well. Libel and slander The policy features tailored cover which responds to the unique risk environment Intellectual property rights infringement of the media industry including exposures such as set-rigging, events and PR, Invasion of privacy high-value property such as specialist filming equipment, working with the public, Content liability and much more. Professional liability CFC has a very wide appetite and most media companies are considered, from Cyber and privacy start-ups to large, multi-national entities. Property Business interruption Employers liability* General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Loss mitigation Court attendance costs*This is not available for customers in the US 9 11. 2.0INSURANCE FOR SOCIAL MEDIA COMPANIESWhos it for? What are the limits, deductibles, and premiums? App developers Mobile phone content developersMaximum Social Media & Professional Liability Limit: 5m / 7.5m / $10m Business networking websites News aggregation servicesMaximum General Liability Limit:10m / 13m / $20m Corporate blogs Online dating agencies Maximum Employers Liability Limit: 10m / 13m Crowd sourcing applications Online games developers and publishers Maximum Property Limit: 10m / 10m / $10m Digital marketing agencies Online listings sitesMaximum Revenue: Unlimited Educational games Photo sharing websites Minimum Deductible:1k / 1k / $1k Genealogy websites Social networking websites Minimum Premium: 300 / 300 / $300 Instant messaging applications User-generated content sites Internet radio websites Video sharing websites Why bother with 2.0? MMORPG Web-based communities 2.0 is the first ever insurance product created specifically for social mediacompanies and companies providing services to social media networks.What does it cover? The policy features broad coverage for user generated content, a User generated content liabilitypre-requisite for any company operating in this space. There is no requirement Corporate blogging liabilityfor this content to have been approved before publication. Libel and slander Policyholders can choose whether to notify cease and desist requests which Intellectual property rights infringement helps to reduce the administration burden on both the policyholder and broker. Invasion of privacy We provide full bodily injury and property cover which is necessary in cases Content liability where users of a social media site choose to meet offline. Professional liability Cyber and privacy Property Business interruption Employers liability* General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Loss mitigation Court attendance costs*This is not available for customers in the US10 12. LIFE SCIENCEAbout Our Life Science TeamWe understand the waylife science companies dobusiness and our insuranceproducts reflect this.CFCs life science team has dedicated itself to really getting to the bottom of the kindsof cover life science companies need. We understand the complex funding modelsand supply chains which drive these companies forward, and build products whichreflect that. Our life science products grow with the client from the startup stage tothe clinical trial period and beyond so no matter where life science companies are inthe development process, they have robust coverage in place.Our life science suite includes two products - R&D and MD - which cover a widevariety of firms from research and development companies just starting out to largemedical device companies with worldwide distribution.11 13. R&DINSURANCE FOR RESEARCH & DEVELOPMENT COMPANIESWhos it for?What are the limits, deductibles, and premiums? Clinical research associates Contract research service providers Maximum Professional Liability Limit: 5m / 7.5m / $10m Companies involved in the drug Drug discovery companiesMaximum Products Liability Limit: 5m / 7.5m / $10m development supply chain Drug development companiesMaximum General Liability Limit: 10m / 13m / $20m Consultancy services Other scientific companies in the Maximum Employers Liability Limit: 10m / 13m Contract manufacturing organizations research and development phaseMaximum Clinical Trials Limit: 5m / 7.5m / $10m(research and trial materials) Maximum Property / BI Limit: 10m / 10m / $10m per location Maximum Revenue:UnlimitedWhat does it cover?Minimum Deductible: 1k / 1k / $1k Property Minimum Premium:1k / 1k / $1k Ideologically motivated attacks Business interruptionWhy bother with R&D? Employers liability* R&D provides broad, flexible coverage in an easy to understand format for General liabilityscientific research companies throughout their life-cycle. Pollution and contamination liability It allows cover to be tailored around individual business models and risk profiles Products liability and can be adapted easily as and when this changes. This is particularly Professional liability beneficial for virtual companies where a lot of physical work is undertaken by Breach of contract supply chain partners, for companies moving from pre-clinical research to start Intellectual property rights infringementclinical trials, and for companies providing a blend of products and services to Virus and hacking attack liability their customers. Loss mitigation For start-up companies, we have a two page application process that gives Payment of withheld fees these fledgling companies a simple, basic, cost effective package of cover that Clinical trialscan be built upon as they develop. Employee fidelity Website damage Brand protection Court attendance costs*This is not available for customers in the US12 14. MDINSURANCE FOR MEDICAL DEVICE COMPANIESWhos it for? What are the limits, deductibles, and premiums?Companies involved in the design, development, manufacture or distribution of Maximum Products Liability Limit: 5m / 7.5m / $10mmedical devices for use in hospitals or by other healthcare professionals, including: Maximum Professional Liability Limit: 5m / 7.5m / $10m Anaesthetic technology In-vitro diagnostics Maximum General Liability Limit: 10m / 13m / $20m Analytical equipment Medical imagingMaximum Employers Liability Limit: 10m / 13m Cardio-vascular Mobility Maximum Clinical Trials Limit: 5m / 7.5m / $10m Dental NeurologyMaximum Property / BI Limit: 10m / 10m / $10m per location Drug delivery systems Ophthalmic Maximum Revenue:25m / 30m / $40m E-health Orthopaedic devicesMinimum Deductible: 1k / 1k / $1k Hardware and ambulatory Radiotherapy Minimum Premium:1k / 1k / $1k Implantable devices Surgical devices Infection control Wound care Why bother with MD? Our combined products and professional liability gives full limit cover forWhat does it cover? financial loss as well as bodily injury and ensures no gaps or overlaps in cover. Products liabilityThis is particularly important in areas such as medical electronics (with Propertyembedded software and patient data recording media) and for product Ideologically motivated attacks distributors that provide added value services such as training and maintenance. Business interruption We have a broad risk appetite up to and including Class III invasive devices. Employers liability* MD is a fully modular package including much more than just products and General liability professional liability. Customers are able to pick and choose from a wide variety Pollution and contamination liability of coverages to get a policy which suits them. Professional liability Breach of contract Intellectual property rights infringement Virus and hacking attack liability Loss mitigation Payment of withheld fees Clinical trials Employee fidelity Website damage Brand protection Court attendance costs*This is not available for customers in the US 13 15. HEALTHCAREAbout Our Healthcare TeamIn 2010, our healthcare team wasvoted Underwriter of the Yearat the British Insurance Awards.Eight years ago, we began underwriting skilled nursing facilities in the US. This prod-uct suite now includes a wide variety of large and small healthcare entities across theglobe.Headed by Senior Healthcare Underwriter and Director at CFC, Jonathan Swann, ourbook of US skilled nursing facilities is now the largest written out of London. Jonathanhas nearly 30 years experience in writing these classes, but dont worry, hes backedby an enthusiastic team of considerably younger people.Our healthcare suite includes four products - A&M, FIT, LTC, and SNF - which covera wide variety of companies from dieticians and fitness instructors to social workersand nursing facilities. 14 16. A&MINSURANCE FOR ALLIED HEALTH and MEDICAL PROFESSIONALSWhos it for? What are the limits, deductibles, and premiums? AcupuncturistsMaximum Professional Liability Limit:5m / 6.5m / $10m Aromatherapists Max. Sexual Misconduct & Physical Abuse Liability Limit: 1m / 1m / $1m Homeopaths AudiologistsMaximum General Liability Limit: 10m / 13m / $20m Hypnotherapists Certified laboratory techniciansMaximum Employers Liability Limit: 10m / 13m Massage therapists Certified medical assistantsMaximum Property Limit: 10m / 10m / $10m Meditation practitioners Colour therapists Maximum Revenue: 25m / 25m / $25m Opticians CosmetologistsMinimum Deductible:Nil Orthotic / prosthetic fittings Counsellors Minimum Premium: 300 / 300 / $300 Phlebotomists Dental hygienists Reflexologists DieticiansWhy bother with A&M? Speech therapists A&M is a seamlessly blended package policy which includes professional Yoga practitionersWhat does it cover? liability, general liability, sexual misconduct & abuse liability and property for Professional liabilityallied health and medical professionals. The policy is modular so policyholders Sexual misconduct and physical abuse liabilityare free to buy as many or as few coverages as they like. Contractual liability We offer our brokers a white-labelled online quote and bind system which General liability provides full policy lifescycle management. Ideal for program business, our Employers liability* system makes it easier for clients to purchase cover and brokers to administer. Employee benefits liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Medical expenses Property Business interruption Loss mitigation Court attendance costs Brand protection*This is not available for customers in the US 15 17. FITINSURANCE FOR FITNESS INSTRUCTORS & CLUBSWhos it for?What are the limits, deductibles, and premiums? Aerobics instructors Life coachesMaximum General Liability Limit: 10m / 13m / $20m Athletic trainers Mind body programsMaximum Professional Liability Limit: 5m / 6.5m / $10m Dance / movement therapists Nutritionists Maximum Employers Liability Limit: 10m / 13m Fitness instructors Personal trainers Maximum Property Limit: 10m / 10m / $10m Fitness clubs PhysiotherapistsMaximum Revenue: 25m / 25m / $25m Fitness boot camps Pilates instructors Minimum Deductible:Nil Group fitness instructors Yoga practitionersMinimum Premium: 300 / 300 / $300 Health clubs and gyms ZUMBA instructors / dance instructors Why bother with FIT?What does it cover? FIT is a one-stop shop for fitness instructors and clubs which has been specially General liabilitydeveloped just for them. Not only does it give these businesses well-rounded Tenants legal liability professional and general liability cover, but it also takes into account risks unique Medical expenses to the industry such as sexual misconduct & abuse liability. With FIT, you can rest Loss mitigationassured that your clients have robust and relevant cover in place. Medical expenses cover Brokers can track their FIT enquiries, orders, and renewals through the broker Court attendance costs area of our website. This area is a great place to keep track of anything you Brand protection submit to CFC. Plus, for every submission, brokers earn points which they can Professional liability use in our monthly broker loyalty auction featuring a wide variety of prizes. Employers liability* Property Business interruption*This is not available for customers in the US 16 18. LTCINSURANCE FOR PROVIDERS OF LONG TERM CAREWhos it for?What are the limits, deductibles, and premiums?Non-residential senior care: Maximum Professional Liability Limit:5m / 6.5m / $10m Certified nursing assistants and aides Occupational therapists Max. Sexual Misconduct & Physical Abuse Liability Limit: 1m / 1m / $1m Home health care Personal carers Maximum General Liability Limit: 10m / 13m / $20m Licensed practical nurses, Physical therapists Maximum Employers Liability Limit: 10m / 13mlicensed vocational nurses Psychiatrists Maximum Property Limit: 10m / 10m / $10m Medical directors Registered nurses Maximum Revenue:Unlimited Medical technicians Respiratory therapistsMinimum Deductible:1k / 1k / $1k Nurse practitioners Social workersMinimum Premium: 75 / 75 / $75Residential senior care: Why bother with LTC? Adult day care centres (certified) Hospices LTC is a seamlessly blended package policy which includes professional Assisted living facilities Independent living facilities liability, general liability, sexual misconduct & abuse liability, and property for long term care facilities. The policy is modular so policyholders are free to buy asWhat does it cover?many or as few coverages as they like. Professional liability CFC has a very wide appetite within this sector and can cover businesses from Medical practitioner liability the smallest start-up company to a mature, high-revenue operation. If your Pollution liabilityclients profession is not shown in the Whos it for? section, we can usually find Sexual misconduct and physical abuse liability a solution for them as long as they operate in the long term care sector. Contractual liability Employee benefits liability General liability Employers liability* Tenants legal liability Non-owned and hired auto liability Damage to hired autos Loss mitigation Medical expenses cover Court attendance costs Brand protection Property Business interruption*This is not available for customers in the US 17 19. SNFINSURANCE FOR SKILLED NURSING FACILITIES*Whos it for? What are the limits, deductibles, and premiums? Individual skilled nursing facilities Maximum Professional Liability Limit: $1,000,000 Facilities with chains of up to 50 locationsMaximum General Liability Limit: $1,000,000Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000What does it cover? Maximum Computer Virus & Hacking Liability Limit $250,000 Professional liabilityMaximum Pollution Liability Limit: $250,000 Medical practitioner liabilityMaximum Revenues:Unlimited General liability Minimum Deductible:$5,000 Sexual misconduct and physical abuse liabilityMinimum Premium:$20,000 Evacuation expense reimbursement Employee benefits liability Why bother with SNF? Medical expenses In such a tough class of business, our personal, flexible and pragmatic Computer virus and hacking attack liability approach to underwriting will be the key to your success. Non-owned and hired auto liability SNF incorporates an innovative risk management program which makes the Damage to hired autos facility a better risk and uniquely, makes it money. Our risk management tools Brand protectionincrease government reimbursements by an average of $1,000 per month for Court attendance costsmost skilled nursing facilities by ensuring accurate coding of the Minimum Data Tenants legal liabilitySet (MDS). Indemnity to mortgagees, landlords or lessors of leased equipment Claims are handled by reputable and experienced claims managers Professional Contractual liability Claims Managers Inc. (PCM), who are in possession of claims funds to ensure Pollution liability a swift settlement. PCM provides comprehensive claims and litigationmanagement and program development services to nursing homes of all sizesthroughout North America.* This product is currently only available in the US 18 20. CROSS-SECTOR PRODUCTSAbout Our Cross-Sector ProductsWe give the same amount ofcare and attention to our cross-sector policies as we do to ourindustry-specific ones.Whilst CFC is well-known for building tailored and fully comprehensive policies forniche sectors, it also has given special attention to three other lines which span itsentire product range: cyber, privacy and media liability, management liability andexcess liability.CPM is our cyber, privacy and media insurance policy and includes a whole host ofcutting-edge coverages which are constantly updated to reflect todays legal land-scape. Our background in cyber and privacy has meant that this policy is one of theindustrys broadest, clearest and most concise.Launched in 2012, ML is our management liability insurance policy. ML providescover for management exposures that any company and their staff may facein their day to day operations. The policy is flexible, allowing customers to pick andchoose the covers and limits that are appropriate for their business.And finally, our excess policy, XS, allows us to write excess across our core liabilityproducts and also on a standalone basis. This includes umbrella companies in theUS.19 21. CPMINSURANCE FOR CYBER, PRIVACY AND MEDIA RISKSWhos it for?What are the limits, deductibles, and premiums? Charities Nursing Homes Maximum Professional Liability Limit: 5m / 7.5m / $10m Clubs and societies SolicitorsMaximum General Liability Limit: 10m / 13m / $20m Entertainment and media Public sector Maximum Employers Liability Limit: 10m / 13m Higher education Recruitment agentsMaximum Property Limit: 10m / 10m / $10m Healthcare Religious institutionsMaximum Revenue:Unlimited Insurance brokers Retailers Minimum Deductible: 1k / 1k / $1k Leisure and hotels Support servicesMinimum Premium:300 / 300 / $300 Logistics Utilities Manufacturers and wholesalers Website operators and e-tailers Why bother with CPM? Municipalities Other professionals Well cover you regardless of where the data is actually stored, whether it is on your computer systems, at a third party hosting provider, or even in the cloud.What does it cover? CPM covers all types of marketing done through social media channels and Cyber liabilitycorporate blogs, even if done by employees without their employers knowledge Privacy liabilityor sign-off. User-generated content is covered too, as standard. Privacy breach notification costs CPM covers all types of privacy breaches, whether the breach occurred online, System damagesuch as a computer hack or theft of a mobile device, or offline, such as the loss System business interruption of confidential papers. Media liability We can provide voluntary privacy breach notification where there is no legal Professional liability requirement to notify making this essential for Europe where there are currently Property limited requirements in place. Business interruption Employers liability* General liability Products liability Tenants legal liability Non-owned and hired auto liability Damage to hired autos Employee benefits liability Medical expenses Loss mitigation Court attendance costs Brand protection*This is not available for customers in the US 20 22. MLMANAGEMENT LIABILITY INSURANCEWhos it for? What are the limits, deductibles, and premiums? Biotech companies Nursing homesMaximum D&O Liability Limit (Ex. US & Israel): 10m / 10m / $10m Charities Online companies Maximum D&O Liability Limit (US & Israel):$5m Construction companies Professional service firms Maximum Employment Practices Liability Limit: 10m / 10m / $10m Educational institutions Public sector companiesMaximum Entity, Crime and K&R Limit: 5m / 5m / $10m Healthcare institutions RetailersMaximum Revenue:1bn / 1bn / $1bn Leisure and hotels Technology companies Minimum Deductible:Nil Listed companies outside the US Trusts Minimum Premium:100 / 100 / $100 Manufacturers Utilities Media companies WholesalersWhy bother with ML? Municipalities Other private companies ML includes broad cover for kidnap & ransom including ransom reimbursement,legal liability, bodily injury in the event of a kidnap, kidnap expenses andWhat does it cover? emergency evacuation expenses. Directors and officers liability We offer entity securities cover as standard under the D&O insuring clause Company reimbursement and can also offer corporate liability covering corporate manslaughter and Entity securities liability health and safety breaches. In addition, there is entity cover under other Investigation costs insuring clauses including employment practices liability, benefit plan liability, Outside directorship liabilitycyber & privacy and kidnap & ransom. Extradition and appeal costs The cyber and privacy cover offered in this policy mirrors that of CFCs Family costsbroad standalone cyber and privacy policy. Features include cyber liability, Corporate liability privacy liability, mandatory and voluntary privacy breach notification costs Employment practices liabilityand systems damage and business interruption. Benefit plan liability Cyber and privacy Kidnap and ransom Court attendance costs Loss mitigation Reputation and brand protection21 23. XSEXCESS LIABILITY INSURANCEWhos it for? What are the limits, deductibles, and premiums? Accountants Scientific R&D companies Maximum Professional Liability Limit:10m / 10m / $10m Architects Senior care service providersMaximum Cyber & Privacy Liability Limit: 10m / 10m / $10m Complementary medicine practitioners Social media companies Maximum General Liability Limit:5m / 5m / $5m Design and construct companies Technology companies Maximum Products Liability Limit: 10m / 10m / $10m Engineers Other biotech firmsMaximum Revenue: 250m / 250m / $250m Insurance brokers Other companies requiringMinimum Excess: 1m / 1m / $1m Media companiesexcess cyber and privacy liability Minimum Premium: 500 / 500 / $500 Real estate agents Other professional service firms Recruitment and staffing companiesWhy bother with XS? Companies of all sizes are increasingly required to carry more liability insurancecover, often at the request of their clients. XS provides this additional cover whichWhat does it cover? works seamlessly with the primary policy, whether written by CFC or another Excess professional liability insurer. Excess cyber and privacy liability The low minimum premiums of XS enable companies to top-up their cover cost- Excess general liabilityeffectively when traditional excess markets are quoting prohibitive premiums. Excess products liability22 24. 85 Gracechurch Street London EC3V 0AATel: +44 (0) 207 220 8500 Web: www.cfcunderwriting.comGeneral enquiries: enquiries@cfcunderwriting.comQuote requests: inbox@cfcunderwriting.com Claims: newclaims@cfcunderwriting.com