1. Protecting Assets Group Personal Excess Liability Presentation title Presentation subtitle 4/10

2. Auto - Liability Auto accidents are leading cause of death in 15-20 year olds 13% of drivers are uninsured We have a claim that we immediately reserved $5m – Insured was driving and hit a pedestrian who passed away from injuries. The pedestrian is a surgeon with a wife and two children. The insured also has a gap in coverage. They did not carry the required underlying limit of liability that the excess policy followed.

3. Homeowner Liability SWIMMING POOLS SLIP & FALLS OUT OF CONTROL HOUSE PARTIES DOG BITES

4. A Realtor wrote a blog about high rise properties for sale in Miami. He supplied statistics regarding cost, amenities and location. He informed readers that a certain high rise complex was experiencing a high vacancy rate. He further noted that many buyers had backed out of deals for this particular high rise. He made an additional comment that he was not a fan of this particular property. When the Realtor strayed from repeating verifiable facts and added his opinion, he became vulnerable to attack.

5. He is now being sued for $25 Million!

6. Social Media – Anti-Cyber bullying Laws it is a criminal offense FACEBOOK LINKEDIN 4SQUARE TWITTER Personal Injury coverage is not automatically included in most homeowner forms. Without that coverage you may not be covered for these lawsuits. How much is enough? You don’t have to be a billionaire to be sued like one.

9. Pricing Examples An insured, living in Pennsylvania, owns 1 home 3 cars, 1 small watercraft: Limit Group Excess Premium Standard Policy Premium $5 million $545 $930 $10 million $845 $1,463 $15 million $1,595 $3,963

10. Requirement for Primary Insurance $100,000 Employers Liability $500,000 Watercraft Liability (26 feet or over up to 99 feet or 50 horsepower or over) $300,000 Watercraft Liability (under 26 feet or under 50 horsepower) $250,000 / $500,000 Bodily Injury; $100,000 Property Damage OR $300,000 Combined Single Limit* Uninsured/Underinsured Motorist Liability $250,000 / $500,000 Bodily Injury; $100,000 Property Damage OR $300,000 Combined Single Limit* Automobile Liability, Including Recreational Vehicles Subject to Registration $300,000 Recreational Vehicles Not Subject to Registration $300,000 Personal Liability on Homeowners Required Underlying Limit Coverage *Option is available to increase

12. My time is up Thank you for yours.