CFC\'s Global Product Guide

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Find out more about CFC\'s great range of tailored policies.

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CFC\'s Global Product Guide

  1. 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. 2. PRODUCTSSector Products Professionals Technology & Media Life Sciences Healthcare Not For Profit Architects & Engineers Technology Companies Research & Development Allied Health & Medical Trade Associations Recruitment Agencies Media Companies Medical Device Companies Fitness Instructors Resident & Tenant Associations Professional Employer Firms Social Media Companies Long Term Care Facilities Miscellaneous Professionals Skilled Nursing FacilitiesCross-Sector Products Cyber & Privacy Liability Management Liability Excess Liability 1
  3. 3. PROFESSIONSAbout Our Professions TeamWe provide specialist insurancefor thousands of professionalservice firms worldwide.Over the last decade, we’ve 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. 4. A&EINSURANCE FOR ARCHITECTS & ENGINEERSWho’s it for? What are the limits, deductibles, and premiums?• Civil engineers • Landscape architects Maximum Professional Liability Limit: £5m / €6.5m / $10m • Conservation managers • Mechanical engineers Maximum General Liability Limit: £10m / €13m / $20m• Electrical engineers • Project managers Maximum 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 engineers Minimum Deductible: £1k / €1k / $1k• Geotechnical engineers • Structural surveyors Minimum 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 liability “flexible first loss” basis. This means that whatever type of business interruption• Loss of documents loss 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 mitigation enhancements which cover this industry’s 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. 5. RESINSURANCE FOR RECRUITMENT, EMPLOYMENT, & STAFFING AGENCIESWho’s it for? What are the limits, deductibles, and premiums?It’s 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 / sales Why 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 liability also 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 dishonestly temporary 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 contract recruitment works. We, however, don’t 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. 6. PEOINSURANCE FOR PROFESSIoNAL EMPLOYER ORGANISATIONS*Who’s it for? What are the limits, deductibles, and premiums?• Professional employer organisations Maximum Professional Liability Limit: $10m Maximum General Liability Limit: $5mWhat does it cover? Maximum Property Limit: $10m• Professional liability Maximum Revenue: $100m• Vicarious liability Minimum Deductible: $1k• Placed personnel dishonestly Minimum Premium: $1k• Breach of contract • Intellectual property rights infringement Why bother with PEO?• Pollution liability • As co-employers of all the employees working for their client companies, the• Loss mitigation PEO 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 liability co-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 liability notification 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. 7. PROINSURANCE FOR PROFESsIONALSWho’s it for? What are the limits, deductibles, and premiums?• Accountants • Insurance brokers Maximum Professional Liability Limit: £5m / €6.5m / $10m • Agricultural consultants • Investigators Maximum 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 managers Maximum Revenue: £25m / €25m / $25m• Environmental consultants • Quality assurance consultants Minimum 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 contract continuously 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 liability cost-effective package, but we’ll 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. 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 team’s wealth of experience and the leading rolewe have played in the market has meant that we’ve 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. 9. TECHINSURANCE FOR TECHNOLOGY COMPANIESWho’s it for? What are the limits, deductibles, and premiums?• Application service providers • IT support and training Maximum 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 providers Maximum 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 liability sub-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 insured’s 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. That’s why we’ve• Loss mitigation included a range of covers which help to solve a problem before it leads to a • Payment of withheld fees lawsuit. 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 US 8
  10. 10. MEDIAINSURANCE FOR MEDIA COMPANIESWho’s 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 agencies Minimum Deductible: £1k / €1k / $1k• Freelance writers • Telemarketing companies Minimum 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. 11. 2.0INSURANCE FOR SOCIAL MEDIA COMPANIESWho’s it for? What are the limits, deductibles, and premiums?• App developers • Mobile phone content developers Maximum Social Media & Professional Liability Limit: £5m / €7.5m / $10m • Business networking websites • News aggregation services Maximum 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 sites Maximum 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 media companies 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 liability pre-requisite for any company operating in this space. There is no requirement • Corporate blogging liability for 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 US 10
  12. 12. LIFE SCIENCEAbout Our Life Science TeamWe understand the waylife science companies dobusiness and our insuranceproducts reflect this.CFC’s 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. 13. R&DINSURANCE FOR RESEARCH & DEVELOPMENT COMPANIESWho’s 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 companies Maximum Products Liability Limit: £5m / €7.5m / $10m development supply chain • Drug development companies Maximum 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 phase Maximum 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 interruption Why bother with R&D?• Employers’ liability* • R&D provides broad, flexible coverage in an easy to understand format for• General liability scientific 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 infringement clinical 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 trials can be built upon as they develop.• Employee fidelity• Website damage• Brand protection• Court attendance costs*This is not available for customers in the US 12
  14. 14. MDINSURANCE FOR MEDICAL DEVICE COMPANIESWho’s 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 imaging Maximum Employers’ Liability Limit: £10m / €13m• Cardio-vascular • Mobility Maximum Clinical Trials Limit: £5m / €7.5m / $10m• Dental • Neurology Maximum Property / BI Limit: £10m / €10m / $10m per location• Drug delivery systems • Ophthalmic Maximum Revenue: £25m / €30m / $40m• E-health • Orthopaedic devices Minimum 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 liability This is particularly important in areas such as medical electronics (with• Property embedded 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. 15. HEALTHCAREAbout Our Healthcare TeamIn 2010, our healthcare team wasvoted “Underwriter of the Year”at 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 don’t worry, he’s 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. 16. A&MINSURANCE FOR ALLIED HEALTH and MEDICAL PROFESSIONALSWho’s it for? What are the limits, deductibles, and premiums?• Acupuncturists Maximum Professional Liability Limit: £5m / €6.5m / $10m• Aromatherapists Max. Sexual Misconduct & Physical Abuse Liability Limit: £1m / €1m / $1m • Homeopaths• Audiologists Maximum General Liability Limit: £10m / €13m / $20m • Hypnotherapists• Certified laboratory technicians Maximum Employers’ Liability Limit: £10m / €13m • Massage therapists• Certified medical assistants Maximum Property Limit: £10m / €10m / $10m • Meditation practitioners• Colour therapists Maximum Revenue: £25m / €25m / $25m • Opticians• Cosmetologists Minimum Deductible: Nil • Orthotic / prosthetic fittings• Counsellors Minimum Premium: £300 / €300 / $300 • Phlebotomists• Dental hygienists • Reflexologists• Dieticians Why 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 liability allied health and medical professionals. The policy is modular so policyholders• Sexual misconduct and physical abuse liability are 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. 17. FITINSURANCE FOR FITNESS INSTRUCTORS & CLUBSWho’s it for? What are the limits, deductibles, and premiums?• Aerobics instructors • Life coaches Maximum General Liability Limit: £10m / €13m / $20m• Athletic trainers • Mind body programs Maximum 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 • Physiotherapists Maximum Revenue: £25m / €25m / $25m• Fitness boot camps • Pilates instructors Minimum Deductible: Nil• Group fitness instructors • Yoga practitioners Minimum 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 liability developed 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 mitigation assured 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. 18. LTCINSURANCE FOR PROVIDERS OF LONG TERM CAREWho’s 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 / €13m licensed vocational nurses • Psychiatrists Maximum Property Limit: £10m / €10m / $10m• Medical directors • Registered nurses Maximum Revenue: Unlimited• Medical technicians • Respiratory therapists Minimum Deductible: £1k / €1k / $1k• Nurse practitioners • Social workers Minimum 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 liability client’s profession is not shown in the “Who’s 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. 19. SNFINSURANCE FOR SKILLED NURSING FACILITIES*Who’s 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 locations Maximum General Liability Limit: $1,000,000 Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000What does it cover? Maximum Computer Virus & Hacking Liability Limit $250,000• Professional liability Maximum Pollution Liability Limit: $250,000• Medical practitioner liability Maximum Revenues: Unlimited• General liability Minimum Deductible: $5,000• Sexual misconduct and physical abuse liability Minimum 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 protection increase government reimbursements by an average of $1,000 per month for• Court attendance costs most skilled nursing facilities by ensuring accurate coding of the Minimum Data• Tenants’ legal liability Set (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 litigation management and program development services to nursing homes of all sizes throughout North America.* This product is currently only available in the US 18
  20. 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 today’s legal land-scape. Our background in cyber and privacy has meant that this policy is one of theindustry’s 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. 21. CPMINSURANCE FOR CYBER, PRIVACY AND MEDIA RISKSWho’s it for? What are the limits, deductibles, and premiums?• Charities • Nursing Homes Maximum Professional Liability Limit: £5m / €7.5m / $10m • Clubs and societies • Solicitors Maximum General Liability Limit: £10m / €13m / $20m• Entertainment and media • Public sector Maximum Employers’ Liability Limit: £10m / €13m• Higher education • Recruitment agents Maximum Property Limit: £10m / €10m / $10m• Healthcare • Religious institutions Maximum Revenue: Unlimited• Insurance brokers • Retailers Minimum Deductible: £1k / €1k / $1k• Leisure and hotels • Support services Minimum Premium: £300 / €300 / $300• Logistics • Utilities• Manufacturers and wholesalers • Website operators and e-tailers Why bother with CPM?• Municipalities • Other professionals • We’ll 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 liability corporate blogs, even if done by employees without their employer’s knowledge • Privacy liability or 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 damage such 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. 22. MLMANAGEMENT LIABILITY INSURANCEWho’s it for? What are the limits, deductibles, and premiums?• Biotech companies • Nursing homes Maximum 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 companies Maximum Entity, Crime and K&R Limit: £5m / €5m / $10m• Healthcare institutions • Retailers Maximum 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 • Wholesalers Why 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 liability cyber & privacy and kidnap & ransom.• Extradition and appeal costs • The cyber and privacy cover offered in this policy mirrors that of CFC’s• Family costs broad standalone cyber and privacy policy. Features include cyber liability,• Corporate liability privacy liability, mandatory and voluntary privacy breach notification costs• Employment practices liability and systems damage and business interruption.• Benefit plan liability• Cyber and privacy• Kidnap and ransom• Court attendance costs• Loss mitigation• Reputation and brand protection 21
  23. 23. XSEXCESS LIABILITY INSURANCEWho’s 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 providers Maximum 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 firms Maximum Revenue: £250m / €250m / $250m• Insurance brokers • Other companies requiring Minimum Excess: £1m / €1m / $1m• Media companies excess cyber and privacy liability Minimum Premium: £500 / €500 / $500• Real estate agents • Other professional service firms • Recruitment and staffing companies Why bother with XS? • Companies of all sizes are increasingly required to carry more liability insurance cover, 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 liability effectively when traditional excess markets are quoting prohibitive premiums.• Excess products liability 22
  24. 24. 85 Gracechurch Street London EC3V 0AA Tel: +44 (0) 207 220 8500 Web: www.cfcunderwriting.comGeneral enquiries: enquiries@cfcunderwriting.com Quote requests: inbox@cfcunderwriting.com Claims: newclaims@cfcunderwriting.com

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