CFC Underwriting Ltd. is an insurance underwriting company located in London, England that provides various types of insurance policies for healthcare professionals and facilities. They have a team of experienced underwriters and claims managers led by Jonathan Swann and Tim Danbury. Their healthcare insurance products include A&M for allied health professionals, FIT for fitness instructors and clubs, LTC for long-term care facilities, and SNF for skilled nursing facilities. CFC prides itself on providing superior customer service, including fast response times, accurate documentation, and a flexible approach to underwriting.

1. 85 Gracechurch Street
London EC3V 0AA
Tel: +44 (0) 207 220 8500
Email: enquiries@cfcunderwriting.com
Web: www.cfcunderwriting.com
Healthcare
CFC Underwriting Ltd. Registered in England and Wales, No. 3302887. VAT No. 739679761.
Authorised and regulated by the Financial Services Authority. FRN: 312848.
Registered Office: 85 Gracechurch Street, London, EC3V 0AA, United Kingdom.

2. We look
at things
differently

3. OUR PEOPLE
About Us Meet Our Healthcare Team
Here’s a little bit more about our healthcare underwriters:
In 2010, our healthcare team was Jonathan Swann, Director
voted “Underwriter of the Year”
A professional liability and healthcare expert with vast experience built up over 30
years of underwriting these classes, Jonathan now runs our US nursing homes division,
the largest book of its type in London.
at the British Insurance Awards. Timothy Boyce, Healthcare Underwriter
Tim has specialised in the healthcare industry since joining CFC in December of 2007.
Eight years ago, we began underwriting large nursing homes in the US. Over the last Part of the team which won “Underwriters of the Year” at the British Insurance Awards
in 2010, he is now working towards his full ACII professional qualification.
few years, this product suite has expanded to include a wide variety of large and small
healthcare entities across the globe.
Laura Clark, Healthcare Underwriter
Headed by Senior Healthcare Underwriter and Director at CFC, Jonathan Swann, With over 5 years experience in the insurance industry, Laura is a particular specialist
our book for nursing homes and other medical professionals is one of the largest of in professional liability. She is key member of the team, handling over 200 new busi-
ness enquiries each month from various territories.
its type in London. Jonathan has nearly 30 years experience in writing these classes,
but don’t worry, he’s backed by an enthusiastic team of considerably younger people.
Luke Overall, Healthcare Underwriter
Our healthcare suite includes four products - A&M, FIT, LTC, and SNF - which cover Luke recently joined CFC from Hiscox where he concentrated on program business for
professionals. A graduate in Business Management, he has achieved his Cert CII and
a wide variety of companies from dieticians and fitness instructors to social workers
is now working towards his full ACII professional qualification.
and nursing facilities.
If you have any questions at all about our healthcare suite, email Jonathan Swann Michael Alywin, Junior Underwriter’s Assistant
at jswann@cfcunderwriting.com or Timothy Boyce at tboyce@cfcunderwriting.com. Michael is responsible for maintaining the highly regarded service levels that CFC
prides itself on. Without his great attention to detail, our team would not tick as ef-
ficiently. He is also currently studying for a degree in English Literature.

4. A&M
INSURANCE FOR ALLIED HEALTH and
MEDICAL PROFESSIONALS
Who’s it for? • Loss mitigation costs
• Acupressurists • Dieticians • Medical expenses cover
• Acupuncturists • Histologic technicians • Court attendance costs
• Aromatherapists • Homoeopaths • Brand protection cover
• Audiologists • Horticultural therapists
• Auricular detoxers • Hypnotherapists What are the limits, deductibles, and premiums?
• Biokineticists • Lymphatic drainage therapists Maximum Professional Liability Limit: $5,000,000
• Body therapy practitioners • Massage therapists Maximum General Liability Limit: $5,000,000
• Certified laboratory technicians • Medical assistants Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000
• Certified medical assistants • Medical records technicians or Maximum Property Limit: $10,000,000 p/l
• Clerical assistants administrators Maximum Revenues: $25,000,000
• Clinical laboratory technicians, • Meditation practitioners Minimum Deductible: $100
medical technicians, medical • Opticians Minimum Premium: $75
lab technicians • Orthotic / prosthetic fittings
• Colour therapists • Phlebotomists Why bother with A&M?
• Community health assistants • Pilates practitioners • We offer our brokers a white-labelled online quote and bind system which
or technicians • Prosthetic device fitters provides full policy lifescycle management. Ideal for program business, our
• Conscious breathing practitioners • Recreation therapists system makes it easier for clients to purchase cover and brokers to administer.
• Cosmetologists • Reflexologists • A&M is a seamlessly blended package policy which includes professional
• Counsellors • Speech therapists liability, general liability, sexual misconduct & abuse liability and property for
• Dental hygienists • Yoga practitioners allied health and medical professionals. The policy is also modular so you can
buy individual sections if you wish.
What does it cover?
• Professional liability
• Sexual misconduct and physical abuse liability
• Contractual liability
• General liability
• Employee benefits liability
• Tenants’ liability
• Non-owned and hired automobile liability
• Commercial property & business interruption
• Computer virus and hacking attack liability

5. FIT
INSURANCE FOR FITNESS INSTRUCTORS & CLUBS
Who’s it for? What are the limits, deductibles, and premiums?
• Aerobics instructors • Latin fit instructors Maximum Professional Liability Limit: $5,000,000
• Athletic trainers • Life coaches Maximum General Liability Limit: $5,000,000
• Aqua aerobics instructors • Mind body programs Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000
• Ballet fit instructors • Nutritionists Maximum Property Limit: $10,000,000 p/l
• Body pump instructors • Personal trainers Maximum Revenues: $25,000,000
• Boxercise instructors • Physical therapists Minimum Deductible: $100
• Cheerleading instructors • Physiotherapists Minimum Premium: $75
• Dance / movement therapists • Pilates instructors
• Fitball instructors • Power Plate instructors Why bother with FIT?
• Fitness instructors • Recreation therapists • FIT is a one-stop shop for fitness instructors and clubs which has been specially
• Fitness clubs • Salsa fit instructors developed just for them. Not only does it give these businesses well-rounded
• Fitness boot camps • Spinning / indoor cycling instructors professional and general liability cover, but it also takes into account risks unique
• Group fitness instructors • Street fit instructors to the industry such as sexual misconduct & abuse liability. With FIT, you can rest
• Gyrotonic exercise instructors • Tap fit instructors assured that your clients have robust and relevant cover in place.
• Health clubs and gyms • Yoga practitioners • Brokers can track their FIT enquiries, orders, and renewals through the broker
• Indoor rowing instructors • ZUMBA instructors / dance instructors area of our website. This area is a great place to keep track of anything you
• Jazz fit instructors submit to CFC. Plus, for every submission, brokers earn points which they can
use in our monthly broker loyalty auction featuring a wide variety of prizes.
What does it cover?
• Professional liability
• Sexual misconduct and physical abuse liability
• Contractual liability
• General liability
• Employee benefits liability
• Tenants’ liability
• Non-owned and hired automobile liability
• Commercial property & business interruption
• Computer virus and hacking attack liability
• Loss mitigation costs
• Medical expenses cover
• Court attendance costs
• Brand protection cover

6. LTC
INSURANCE FOR PROVIDERS OF LONG TERM CARE
Who’s it for? • Computer virus and hacking attack liability
Non-residential senior care: • Loss mitigation costs
• Certified nursing assistants, • Personal carers • Medical expenses cover
nursing aides • Physical therapists • Court attendance costs
• Clergy, chaplains or religious ministry • Physicians • Brand protection cover
• Home health care • Physicians’ assistants
• Housekeepers • Psychiatrists What are the limits, deductibles, and premiums?
• Licensed practical nurses, • Psychotherapists Maximum Errors & Omissions Limit: $5,000,000
licensed vocational nurses • Registered nurses Maximum General Liability Limit: $5,000,000
• Live-in companions • Rehabilitation consultants Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000
• Medical directors • Residence managers Maximum Property Limit: $10,000,000 p/l
• Medical suppliers • Respiratory therapists Maximum Revenues: $25,000,000
• Medical technicians • Sitters Minimum Deductible: $2,500 (residential)
• Nurse practitioners • Social workers $100 (non-residential)
• Occupational therapists Minimum Premium: $75
Residential senior care: Why bother with LTC?
• Adult day care centres (certified) • LTC is a seamlessly blended package policy which includes professional
• Assisted living facilities liability, general liability, sexual misconduct & abuse liability, and property for
• Hospices long term care facilities. The policy is also modular so you can buy individual
• Host homes sections if you wish.
• Independent living facilities • CFC has a very wide appetite within this class and can cover the smallest start-up
company to a mature $25,000,000 turnover operation. If you don’t see what
What does it cover? you are looking for within our appetite list, we will try to think outside the box to
• Professional liability find you a solution.
• Medical practitioner liability
• Sexual misconduct and physical abuse liability
• Contractual liability
• General liability
• Employee benefits liability
• Tenants’ liability
• Non-owned and hired automobile liability
• Commercial property & business interruption

7. SNF
INSURANCE 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: $1,000,000
What does it cover? Maximum Computer Virus & Hacking Liability Limit $250,000
• Professional liability Maximum Pollution Liability Limit: $250,000
• General liability Maximum Revenues: Unlimited
• Sexual misconduct and physical abuse liability Minimum Deductible: $5,000
• Employee benefits liability Minimum Premium: $20,000
• Medical practitioner liability
• Medical expenses cover Why bother with CareSurance® SNF?
• Evacuation expense reimbursement • 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 automobile liability • SNF incorporates an innovative risk management program which makes the
• Brand protection cover facility a better risk and uniquely, makes it money. Our risk management tools
• Court attendance costs increase government reimbursements by an average of $1,000 per month for
• Tenants’ liability most skilled nursing facilities by ensuring accurate coding of the Minimum Data
• Indemnity to mortgagees, landlords or lessors of leased equipment Set (MDS).
• An incident sensitive trigger – a lawsuit does not have to be brought • Claims are handled by reputable and experienced claims managers Professional
against the client for a policy to respond Claims Managers Inc. (PCM), who are in possession of claims funds to ensure
• The policy can wrap around specific state insurance funds if required a swift settlement. PCM provides comprehensive claims and litigation
management and program development services to some of the largest and
smallest nursing homes throughout North America.

8. GO ONLINE
Our Online Quote and Bind Platform
The cost of transacting small business insurance can often make it difficult for brokers
to operate affinity business profitably. Customers are also demanding higher levels of
service in addition to increased premium savings.
To help our partners succeed in this increasingly competitive environment, we’ve de-
signed an online platform that places the broker at the heart of the distribution chain.
Our flexible systems can easily be deployed for any type of program that fits our
underwriting appetite. And what’s more, we can do all this at zero cost and deliver
in under a week.
With over ten years experience of transacting insurance business online, our latest
platform has been designed with flexibility in mind. We can provide a complete,
white-labelled end to end solution that is hosted by us. Alternatively, brokers with
in-house technical skills can connect to our systems through a simple web services
Application Programming Interface (API) meaning seamless integration and total user
interface control.
Our platform can support quoting, binding, mid-term adjustments, payments, and
renewals, making it one of the few truly end to end solutions in the current market.
Through our advanced reporting interface you can also access your data at all times
and export it in a wide variety of formats, providing you with total control. That’s why
we have live systems currently managing all aspects of program business for three
of the largest insurance brokers in the world, as well as a number of mid-tier and
smaller, niche-market brokers.
If you think CFC’s online quote and bind platform could work for you, please call us
on +44 (0) 207 220 8500 or email us at enquiries@cfcunderwriting.com.

9. OUR SERVICE
Service Standards Service Achieved, 1 December 2011 to 31 May 2012
Our internal service standards are to deliver 90% of quotes and policies within 48
hours. In practice, almost all quotes receive 24 hour attention and under normal Enquiry Response Times* Policy Issuance Times**
circumstances are quoted within 24 hours unless there is a reason not to do so. In 4% 3% 3% 2%
practice 90% of our policies are also issued within 24 hours. 22% 5%
51%
17%
Same day
Service Levels
To show our dedication to great service, we publish our enquiry response and policy Within 24 hours
issuance times monthly on our website so our brokers can see our service levels Within 48 hours
themselves.
Within 1 week
So, in short, service is at the centre of everything we do at CFC. Whether we are More that 1 week
building a new product, providing a quote for a policy, or just responding to a quick 54% 39%
enquiry, our aim is to stand out as a truly service-centric organisation, with our bro-
kers’ and insureds’ needs always at the forefront. * Calculated from when we receive full underwriting information to the time of first quotation.
** Calculated from when we receive initial bind request to full document issuance.
Broker Opinion
A recently commissioned survey asked brokers to rate CFC against its competitors:
• 89% of brokers say CFC’s speed of quote response is better or much better than
that achieved by its competitors
• 75% confirm that the accuracy of CFC’s policy documents is better or much
better than its competitors
• 88% believe CFC’s speed of policy documentation issuance to be faster
• 71% say the flexibility of CFC’s cover is better or much better and 86% believe
that the breadth of cover it delivers is superior
• 93% rate the friendliness of CFC’s staff as better than that of its competitors and
73% feel they have a better breadth of relationship with CFC’s staff than they re-
ceive elsewhere

10. CLAIMS
Overview
We pride ourselves on providing a superior level of customer service and this is never
more important than at the time of a claim. Claims is at the core of our service propo-
sition and we have an in-house claims team, based in the centre of our underwriting
room, to deliver on this service promise.
Our claims team is led by our claims manager, Tim Danbury. Alongside Tim are Jes-
sica Wright and Ashley Burdon, both of whom are experienced claims handlers hav-
ing both previously worked at Lexington. Our claims team understand how to handle
claims from businesses of all sizes, from sole professionals to multi-national chains,
and they work closely with the broker and policyholder to provide guidance, regular
updates and ultimately a swift settlement.
Tim Danbury, Claims Manager
Tim joined us from the leading UK solicitors, Kennedys, where he had been working
as an in-house TPA and prior to that he was a member of Brit’s professional liability
claims team.
Tim and his team are the loss notification point for all CFC claims. Once they receive
a claim and have reviewed the details they will contact you (or the insured if you
prefer), obtain any additional information and walk the broker though the next steps.
For professional liability claims the next step usually involves engaging our extensive
network of lawyers, adjusters and other service providers who are there to provide a
robust defence to the insured against any litigation.
We have excellent relationships with law firms and adjusters around the world, includ-
ing several in the US.

11. RESOURCES
Browse our blogs Sign up to our newsletters
Keeping up with the latest news from your target sectors can be time-consuming. So Want even more news? We send a weekly technology risk newsletter which details
to give you a helping hand, we’ve launched a series of blogs covering a wide variety legal actions in the technology sector and current news about cybercrime cases, IP
of news and claims examples. From what’s happening at CFC to the latest updates infringement, privacy breaches and much more.
on high profile court cases, we cover it all.
For our brokers, we also send a newsletter out once every two months. This features
www.cfcunderwritingblog.com general news about what’s happening at CFC, including new products, recent hires,
General news about what’s happening at CFC changes to wordings and more. If you’re a broker, this is an ideal way to get all the
www.technologyinsuranceblog.com latest CFC news in one, easily-digestible email.
Up-to-date news on legal actions in the technology sector,
including viewpoints on cybercrime, privacy, fraud and more To sign up to either of these, go to www.cfcunderwriting.com/media/newsletters.aspx
www.mediainsuranceblog.com More newsletters like these are on their way, so keep an eye out for new ones too!
News and opinions on changes in media law and how it affects the
insurance market, with a special focus on social media Track your enquiries, orders, and renewals on our website
www.recruitmentinsuranceblog.com Each CFC broker is given login information for the broker area of our website. This
The recruitment industry is changing quickly area can used to track, DHL-style, any of your enquiries, orders, or renewals with
and this blog analyzes the arising new risks CFC, update your personal and company information, and manage your CFC news-
www.healthcareinsuranceblog.com letter subscriptions.
From computerised systems to current legal challenges,
learn more about healthcare’s changing risk profile The broker area is also where we host our monthly broker loyalty sealed bid auc-
www.lifescienceinsuranceblog.com tion. Every time a broker submits an enquiry, order, or renewal with CFC, he or she
The latest news pertaining to the life science industry and its is awarded points and with those points, can place bids on a wide variety of prizes.
effect on the liabilities life science companies now face. We’ve given away everything from champagne to Amazon Kindles, so make sure you
check it out.
www.architectsinsuranceblog.com
www.engineersinsuranceblog.com If you’re a CFC broker and would like your broker area login information, simply
www.managementliabilityblog.com email us at promotions@cfcunderwriting.com. To access the broker area, go to
COMING SOON! www.cfcunderwriting.com/clients/broker-login.aspx
Don’t have much time to visit the blogs? That’s ok. You can subscribe to each of them
so any new stories are sent straight to your email address.
A list of all our blogs can be found on www.cfcunderwriting.com/media/blogs.aspx