Public and Product Liability

Public and Product Liability policies provide protection against third party claims arising
from Bodily Injury, Property Damage and Personal Injury. Legal defense costs are also included. Coverage is provided to protect an insured from liabilities arising from premises,
operations and/or products and completed operations. Policies can be written to include worldwide territory and jurisdiction.
Features:
• Flexible Program Structure
• Superior claim handling services in 130 jurisdictions
• Competitive pricing
• Loss Sensitive Programs including:
• Retrospectively Rated
• Deductible or Excess
• Captives and rental captives
• Portfolio Transfers and Buyouts
• Loss Mitigation Programs

Customer Profile
Manufacturers and contractors (heavy, medium, light); sales, financial and professional companies; hotels and restaurants; retail, wholesale and service industries represent just a few of the targeted classes of business. Coverage can be written on a worldwide basis,
including the jurisdictions of the U.S. and Canada.

ADVANTAGE
Provides primary casualty policies on an admitted basis in 130 jurisdictions. Policies can be written on occurrence, claims made or manifestation form and can include local
specialty coverage's. We design customer tailored solutions in structure, limits, deductibles and wordings. Casualty can provide loss sensitive, captive programs as well as controlled and integrated global programs. We provide up to $50M capacity.

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Workers Compensation and Employers Liability

Programs covering an employer's obligations for statutory benefits or liability arising from work-related employee injuries and occupational disease, and including specialized claim management protocols and vocational rehabilitation.
Features:
• Statutory admitted or voluntary non-admitted policies
• Employers' Liability capacity up to $50 Million in limits available
• Competitive pricing
• Superior claim handling services in 130 jurisdictions
• Loss Control and Employee Safety Programs
• Managed medical care and vocational rehabilitation services
• Loss Sensitive Programs including:
• Retrospectively Rated
• Deductible or Excess
• Captives and rental captives
• Portfolio Transfers and Buyouts
• Loss Mitigation Programs

Customer Profile
Manufacturers and contractors (heavy, medium, light); sales, financial and professional companies; hotels and restaurants; retail, wholesale and service industries represent just a few of the targeted classes of business. For firms based outside the U.S. and Canada,
coverage can be written on a worldwide basis, including the jurisdictions of the U.S. and Canada; for U.S. and Canadian firms, coverage can be written for overseas contracts or
operations and for employees on business travel overseas.
Advantage
Companies around the world, in more than 130 countries and jurisdictions, can issue locally admitted policies and provide insured's with the full range of policyholder services, loss control and claim handling services through its global network.

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Financial Institutions D & 0 Insurance

Directors and Officers of commercial banks, insurance companies and other financial institutions are under increased scrutiny; consequently, they find themselves involved in an alarming number of lawsuits. The list of potential litigants is virtually endless, and the types of lawsuits can be broken down into a number of categories (i.e., shareholder, debt holder, regulatory and employee actions). The financial institutions Directors & Officers
Insurance policy provides coverage for claims brought against directors and officers of a company for actual or alleged breach of duty, neglect, misstatements, errors or
omissions. Coverage includes advancement of defense costs granted prior to final disposition of a claim for individuals when the financial institution cannot provide such costs. Reimbursement for indemnification of directors and officers for any judgments, settlements, and defense costs associated with covered claims when the company has indemnified the insured for loss. Customer Profile
Directors and Officers of commercial and investment banks, stock and mutual insurance companies, reinsurance companies, and non-banking financial institutions.

Advantage
We can provide U.S. $25 million in capacity. In the United States, National Union Fire Insurance Company, is the nation's leading provider of this type of coverage. international companies all have access to National Union's
underwriting, claims and defense experience which are utilized to custom make coverage designed to provide the highest level of protection to ADR issuers. As part of this
coverage there is increased access to a panel of U.S. lawyers to provide a specialized defense to litigation brought against ADR issuers directors and officers. Global companies can extend their coverage to their overseas subsidiaries. No deductibles are required for directors and officers when indemnification by the corporation is not permitted. Defense costs will be advanced to individual directors and officers for non-indemnifiable claims.
Enhancement features and specialized products are available, including Entity Coverage for Open Market Securities Claims, Securities Offering Entity Coverage, Employment Practices Liability Insurance and Pollution Insurance. We have developed a network of expert claims and underwriting personnel to address the specialized needs of financial institutions.

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Accountants Professional Liability

Protects accounting firms and its partners, directors and employees from claims arising out of activities as an accountant.

CUSTOMER PROFILE
Small, medium and large accounting firms.
For firms based outside of the USA and Canada, coverage may be written on a worldwide basis, including the jurisdictions of the USA and Canada. For USA and Canadian
companies, coverage plans are offered for foreign operational exposures and for liabilities arising from products exported from the home country.

ADVANTAGE
Over 20 years of writing accounting firms worldwide. Worldwide coverage and full prior acts are available. Extensive knowledge of local customs, markets and laws with a worldwide network of underwriting and claims offices.

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Lawyers Professional Liability

Protects law firms and its partners, directors and employees from claims arising from
activities arising out actions as a lawyer. Coverage may also be available for activities as an outside director of a third-party corporation.

Customer Profile
Sole practitioners, small, medium and large law firms.
For firms based outside of the USA and Canada, coverage may be written on a worldwide basis, including the jurisdictions of the USA and Canada. For USA and Canadian
companies, coverage plans are offered for foreign operational exposures and for liabilities arising from products exported from the home country.

Advantage
Over 20 years of experience writing law firms worldwide. Worldwide coverage and full prior acts are available. Coverage for "of counsel" attorneys and independent contractors is available. Extensive knowledge of local customs, markets and laws with a worldwide
network of underwriting and claims offices.

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Insurance Agents and Brokers E & 0

This policy provides coverage for the insureds activities as an Insurance Agent, Insurance Broker, Insurance Consultant, Managing General Agent and Notary Public.

Customers Profile
Traditional agents, indigenous, life and general (Property, Casualty) insurance agents.
For firms based outside of the USA and Canada, coverage may be written on a worldwide basis, including the jurisdictions of the USA and Canada. For USA and Canadian
companies, coverage plans are offered for foreign operational exposures and for liabilities arising from products exported from the home country.

Advantage
We have continuously insured group programs for over fifteen years. Coverage tailored to suit local customs and regulations. We currently have filed indigenous insurance brokers and agents policy wording in Latin America/Caribbean and Africa/Middle East. Worldwide
coverage is available. Prior acts coverage can also be provided.

Additional Information
Optional coverage for independent contractors. We provide risk management newsletters to insureds. Extensive knowledge of local customs, markets and laws with a
worldwide network of underwriting and claims offices.

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School Leaders Professional Liability

Protects school entities, school boards, employees, student teachers and volunteers against claims of alleged or actual breach of duty, neglect, errors, misstatements,
misleading statements or omissions. The policy provides "Insured versus Insured" coverage for lawsuits brought by employees against their employer. Wrongful Acts that
can be covered, depending on the policy version, to include the following types of claims:

• Claims brought by employees: Discrimination, Wrongful termination, Failure to hire, Failure to promote/train, Breach of employment contract, Wrongful suspension, Sexual harassment, Failure to maintain insurance (defense cover
only), Fiduciary Liability for Benefit Plans (defense cover only).
• Claims brought by students: Wrongful suspension/ expulsion, Constitutional violations (i.e. freedom of speech, religion, assembly, privacy...), Corporal Punishment (defense cover only).
• Claims brought by parents: Failure to provide special education, Failure to educate.
• Claims brought by vendors: (defense coverage only) Breach of contract, Unfair bidding Procedures, Discrimination.

Customer Profile
Public Schools, private schools, cooperative facilities, vocational/technical schools, junior colleges, colleges and universities.
For firms based outside of the USA and Canada, coverage may be written on a worldwide basis, including the jurisdictions of the USA and Canada. For USA and Canadian
companies, coverage plans are offered for foreign operational exposures and for liabilities
arising from products exported from the home country.

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Travel Agents Professional Liability

Protects travel agents and tour operators for claims arising out of or incidental to the
profession. Coverages may include, bodily injury/property damage, non-owned auto, errors and omissions and personal injury.

Customer Profile
Any retail or wholesale travel agency or tour operator.
For firms based outside of the USA and Canada, coverage may be written on a worldwide
basis, including the jurisdictions of the USA and Canada. For USA and Canadian
companies, coverage plans are offered for foreign operational exposures and for liabilities
arising from products exported from the home country.

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