33 NPAs: How do you stay current on new commercial insurance product offerings and services globally? This edition of Advisen’s New Product Announcements contains details from Admiral; Advisen; AmWINS; Aon Benfield; Aon HTB; Aon & Zurich; Berkley Underwriting; Brit; Chartis; EPIC; Ironshore; Markel; NAS; PLIS; RIMS; RSA; Travelers; Willis; Worldwide Facilities; XL; and Zurich.

HOW TO SUBMIT NPA CONTENTNPA content is global. Submit details about your new product or service via http://corner.advisen.com/NPA.shtml or send material to editors@advisen.com and note that the next NPA deadline is day 28 of the month.

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33 NPAs

Admiral Introduces Cyber Liability Enhancement for ITS Osteopathic Physician Professional Liability Policy: Admiral Insurance Company announced the addition of cyber liability coverage to its Osteopathic Physician Professional Liability policy. The enhancement is designed to offer broader protection and defense coverage against the exposures physicians face resulting from regulations and laws such as the Healthcare Industry and HITECH Act, (Gramm-Leach-Bliley 501B/ HIPAA Compliance, Red Flag Rules, and PCI). The coverage includes access to eRisk Hub® portal powered by NetDiligence®, which provides tools and resources to help clients understand their exposures, establish a response plan and minimize the effects of a breach on their organization. The cyber liability enhancement, which is available at no additional cost, includes information and network security liability insurance, media liability insurance, regulatory privacy proceeding and regulatory fines and penalties insurance, customer notification and credit monitoring expenses insurance, and electronic data recovery and replacement expenses insurance. According to Admiral CEO James Carey, “This is a state-of-the-art approach, allowing osteopathic physicians to combine professional liability insurance with coverage for the rapidly developing exposure to cyber and data loss liability that every practice faces. This is not just about web-sites. If a physician has private patient information, then they have this exposure and typical general liability and professional liability policies just don’t cover this area.” Contact Letha Heaton at 856.354.7791 or lheaton@admiralins.com

Advisen Announces New Equity Analyst Reports and More: Advisen v8.7 delivers an enhanced Equity Analyst Reports solution integrated into the Advisen platform. Also, included in this product release are Advisen’s new Company Dashboard and Pre-Screen Work-Ups, which allow users to quickly understand risk and capture Advisen data in a concise, professional format. New Management Liability and Casualty Renewal Reports can be sent to you automatically ahead of your renewal – request a sample today. Advisen’s Benchmarking Program Count has now surpassed 2.25 million. Read the full Release Notes here: https://www.advisen.com/downloads/Advisen_v8_7_Release_Highlights.pdf

AmWINS’ Three New Specialty Practices Announced: As insureds become increasingly reliant on specialized industry and product knowledge, their risk and industry practices have proven to be a valuable resource for our clients, bringing them the leverage and expertise to make their business more competitive. A core strategy for AmWINS, specialty practices were developed with their company's mission in mind: to deliver a competitive edge to our clients and markets. Their practices serve as sources of thought leadership and provide industry, product, and topical updates that enhance our clients’ deliverables. They are designed to give clients the strength of the entire firm including: (1) Market leverage; (2) Unique and exclusive forms, products and programs; (3) Expert advice from an industry and product line perspective; and (4) Value added resources (forms comparisons, claims advocacy, actuarial, CAT modeling, etc.). As part of our continued evolution and development of our practices strategy, we have added three new practices in areas where we have distinct expertise: (1) The Real Estate practice with a current premium volume of $370 million, led by John Cleary and Bob Black. (2) The Manufacturing/Distribution practice with a current premium volume of $284 million, led by Pat Maloney. (3) The Hospitality and Entertainment practice with a current premium volume of $234 million, led by Kelly Carney and Tom Cesare. Contact Sarah Ruble at 704.749.2855 or sarah.ruble@amwins.com

Aon Benfield Enhances ImpactOnDemand Tool to Expand Risk Visualization: Aon Benfield launches a new release of ImpactOnDemand® to help insurers with more complex commercial policy structures to visualize exposures, deliver more detailed management reports and enable enhanced portfolio management. ImpactOnDemand is a highly innovative and versatile platform that allows clients to visualize and quantify their exposures to risk, in addition to performing sophisticated, detailed data analysis to drive insightful business decisions. ImpactOnDemand assists clients in

global individual risk mapping, pre-binding underwriting analysis, risk driver analysis, claims planning and preparedness, post-catastrophe analysis, identifying exposure accumulations around terrorist targets, and a host of other functions. The new functions, particularly geared at analyzing complex policy structures, include: (1) New scaled analysis to quickly identify and evaluate an insurer’s top exposures, with the size of locations in correlation with their value – such as sums insured, location of premiums or losses; (2) Thematic mapping for robust portfolio accumulation analysis; (3) Advanced catastrophe management reporting including trending and model comparison summaries with exposed limit values and modeled losses; (4) More interactive and enhanced data analysis within the base map – Evaluate portfolio exposures by county, overlay the top 50 exposures and then identify proximity of portfolio hot spots to hazard risks such as hurricanes with data from Tropical Storm Risk (TSR); and (5) Aon Benfield’s Cat Score® tool is now integrated to help U.S. regions implement pricing and underwriting strategies. Taking advantage of catastrophe model analysis for a unique portfolio, this tool measures the total cost of catastrophe risk, including reinsurance margin and cost of capital, at the customer level prior to binding the policy. Contact Alexandra Lewis at 0207.882.0541 or alexandra.lewis@aonbenfield.com

Aon’s Huntington T. Block and ArtBanc Change the Way Art is Traded and Protected: Huntington T. Block, the fine art insurance brokerage business of Aon Corporation and ArtBanc® International, announced new insurance products and services made available to clients via ArtBanc’s proprietary e-commerce trading platform. Via the trading platform, collectors have access to view and make an offer on the inventory of 300 leading British and American art dealers in addition to artwork entering the international market from estates and collectors. Collectors then have the ability to purchase fine art and title insurance products through Aon/HTB. All transactions on the trading platform incorporate defective title insurance and the delivery of the art’s documented title history of ownership (provenance) from ArtBanc’s registry system, thus creating a standard means by which art insurance and art title insurance is provided. “By partnering with such a trusted name in fine art insurance, our customers will have peace of mind that their risk and insurance needs are properly placed and managed,” said Scott Barnes, ArtBanc founder and CEO. “We are excited to launch a safe and secure global platform for collectors on both sides of the Atlantic.” Joe Dunn, CEO of Aon’s HTB, added, “For more than a half century, we have been an industry leader in fine art policy wording, underwriting, loss prevention and responsive claims handling. As the industry and technology change, we are committed to staying one step ahead to protecting our clients’ fine art

investments.” Contact Cybil Rose at 0312.755.3537 or cybil.rose@kemperlesnik.com

Aon, Zurich Launch Reputational Risk Insurance Product: Aon and Zurich Financial Services Ltd. have launched a product to help companies that suffer from an event that could negatively affect their reputation. During the FERMA Conference in Stockholm, Aon announced the launch of the product, underwritten by Zurich Financial Services Ltd. that gives up to $100 million in limits of coverage. The policy would be triggered should one of 19 named insured perils occur and a company suffer financial loss and adverse publicity after an event. “An important element to the policy is that as soon as it is purchased, the insured company receives public relations advice from London-based marketing communications company WPP PLC,” said Oliver Schofield, an executive director at Aon in London. He said that while other policies, such as some product liability coverages, provide sublimits for crisis consulting and communications, the new policy provides for preloss consultation from WPP every quarter when an event has occurred, crisis consultancy when an event occurs, and for up to a year after that event. Contact Colin Mayes at 0137.273.3689 or colin.mayes@aonhewitt.com

Berkley Underwriting Partners Introduces Cross Border International Package Policy: Berkley Underwriting Partners, LLC (BUP) introduced an international package policy underwritten by its Cross Border International Division. The package policy provides general liability, foreign voluntary workers’ compensation, employers’ liability, contingent automobile liability, and property insurance. The product is available immediately through Regional Excess Underwriters, LLC, and through a limited number of direct broker appointments. The target market of the product is the middle market companies in the U.S., with sales and travel overseas and limited overseas property exposures for offices and service facilities. The product will also serve the non-governmental organization (NGO) market and the market for travel abroad of higher education institutions. Key service providers for the product include FrontierMEDEX Inc. for travel-related emergency assistance and Crawford & Company for third party claims service. Contact Richard Marsh at 203.658.1789 or rmarsh@bupllc.com

Brit Insurance Forms Transatlantic Alliance to Combat Cargo Crime in the US: Brit Insurance, a global general insurance and reinsurance provider, has joined CargoNet — a leading U.S.-based cargo theft prevention and recovery network. CargoNet is a member of the Verisk Analytics family of companies. As a CargoNet member,

Brit Insurance provides its policyholders with an extended level of protection where emergency and practical assistance is urgently required by a driver who is a victim of cargo theft. Brit Insurance underwrites in the U.S. on a surplus-lines basis through its Lloyd’s Syndicate 2987 and distributes through a network of selected agents. In a recent incident that is typical of the risks faced by shippers on a daily basis in the U.S., a trailer containing over $1m of unreleased video games went missing over a 24-hour period, and GPS systems proved ineffective in establishing the location of the truck or its cargo. However, as a result of the owners contacting CargoNet, the 24/7 Command Centre issued theft alerts and instigated a cargo recovery process that resulted in finding the driver and recovering the cargo intact within the 48 hours of its disappearance. Reported cargo thefts in the U.S. are predicted to exceed $30 billion in losses each year and this is likely to be the tip of the iceberg, according to law enforcement experts. One reason is that a vast number of victims do not report cargo crime to avoid negative publicity or perceived damage to corporate reputation. Instead, many victims absorb substantial financial losses rather than make claims for compensation, which is adding an increasing burden for many businesses still reeling from the effects of weak domestic demand and a fragile global economic recovery. Against this background, there has been a renewed impetus on the part of CargoNet and Brit Insurance to explore new ways of combating cargo crime by bringing together the private sector, insurance industry, law enforcement agencies, and the trucking community itself. In addition, a national database maps all such incidents in real time, and a sophisticated risk management tool helps transportation managers plan the safest routes for drivers to dramatically reduce their exposure to cargo crime. Contact Ardi Kolah at 0207.098.6569 or ardi.kolah@britinsurance.com

Brit Insurance Opens Richmond, VA Office to Underwrite First Dollar Package Business: Brit Insurance announced the opening of a new office in Richmond, Virginia, to underwrite First Dollar package business for the public entity sector. Effective from October 3rd, the new team forms part of Brit Insurance Services USA, Inc. (BISI), which is the company’s wholly-owned service company based in Chicago, IL. Brit Insurance is a leading general insurance and reinsurance provider operating through Syndicate 2987 at Lloyd’s of London. Mr. Nicholas Davies, Executive Vice President of BISI, explained, “Since establishing a US presence in 2009, our Chicago-based Public & Non-Profit Sector team has enhanced our long standing reputation as a market of choice in this specialised sector. Our existing Self Insured Retention product offers broad coverage for property, liability and worker’s compensation in a single all lines aggregate policy tailored for US public entities, schools, religious and

higher education institutions. The addition of a dedicated First Dollar team, who will market the product through a network of retail brokers, allows us to expand our Public & Non-Profit Sector scope to smaller public entities geared more towards purchasing a standard deductible package policy. This new client base will benefit from the local underwriting, claims and loss control services we now offer through our US platform.” The Richmond office will (subject to Lloyd’s of London approval) underwrite on behalf of Brit Syndicate 2987 and will be headed by Ms. Sharon Wright, who will report directly to Mr. Nicholas Davies. With over 30 years’ experience, Ms. Wright is moving to Brit Insurance from HCC where she was Senior Vice President of Public Risk Eastern Division. To complete the team, four other experienced insurance professionals will be joining from HCC. Contact Ardi Kolah at 0207.098.6569 or ardi.kolah@britinsurance.com Chartis Expands NextGen Protection® to Specialty Trade Contractors: Chartis has continued to expand the industry classes addressed by NextGen Protection, a suite of environmental insurance solutions offered through its Environmental division. The latest product in the NextGen Protection suite is CPL Specialty Trade ProtectSM, which has been designed to help meet the environmental risk management needs of the specialty trade contractor. CPL Specialty Trade Protect was developed for the unique environmental exposures that artisan contractors may encounter at a construction project, such as risk related to indoor air contaminants, waste handling, silt and sediment run-off, and equipment staging areas. Coverage provided by CPL Specialty Trade Protect enhances the Chartis insurers’ market-leading Contractors Pollution Liability (CPL) policy. CPL provides coverage for third-party claims for bodily injury, property damage and environmental damage resulting from pollution conditions caused by the performance of covered operations. In addition to CPL Specialty Trade Protect, the NextGen Protection suite currently includes: (1) CPL ProjectProtectSM; (2) PLL Wellness Protect®; (3) PLL Campus Protect®; (4) PLL MuniProtect®; (5) PLL REAL Protect®; (6) EAGLE TopCoat ProtectSM; (7) EAGLE AgriProtectSM; (8) EAGLE Personal Care ProtectSM; (9) EAGLE TSDF ProtectSM; and (10) EAGLE ChemProtectSM.

Chartis Launches ReputationGuard®, Reputational Risk Insurance: Chartis introduced ReputationGuard, an insurance policy that provides innovative coverage to help policyholders cope with reputational threats. Developed by Chartis’ Executive Liability division, ReputationGuard delivers the benefit of both access to world-class reputation and crisis communications professionals as well as coverage for costs associated with avoiding or minimizing the

potential impact of negative publicity. The result is cutting-edge coverage against publicity that puts reputation and brand image at stake. ReputationGuard gives policyholders access to a select panel of the internationally recognized and award winning communications firms of Burson-Marsteller and Porter Novelli. These firms are committed to providing strategic guidance and implementation support on critical communications issues on global, national and local scales. Threats to reputation and brand image are more common and wide reaching now than ever before—and can impact a company’s bottom line. Events such as executive scandals, questions about product safety, data breaches, litigation and other negative publicity can become front page news and quickly impact reputation or brands. ReputationGuard combines the global reach of Chartis and its partners to increase an organization’s preparedness and access to key resources to stem the flow of damaging publicity in order to help protect its most valuable asset – its reputation. Contact Marie Ali at 212.458.2536 or marie.ali@chartisinsurance.com

EPIC Programs Group Introduces Comprehensive Pizza Restaurant and Delivery Operators Insurance Package: EPIC Programs Group, a managing underwriter and program administrator providing leading-edge risk management and insurance solutions nationally, announces the launch of their newest program for Pizza Restaurants and Delivery Operators. Dubbed "SLICE" (safety, loss control, insurance, coverage, and expertise), the new program specifically addresses a significant exposure and principle risk management concern of Pizza Delivery Operators: liability resulting from their delivery drivers. The SLICE program is underwritten by an AM Best rated A (excellent) XII insurance company specializing in auto related exposure and coverage. SLICE focuses on reducing and mitigating these exposures through required delivery driver training and education and a proprietary kit of customized risk management tools. In addition, SLICE offers the following benefits to pizza delivery operators and the agents/brokers who serve them: (1) Protection designed specifically for pizza restaurant owners and delivery operators; (2) Comprehensive, bundled package protection with strong underwriting, loss control and dedicated claims administration – including 24/7 claims reporting; (3) Coverage offered in most states – admitted paper in 40 states and growing; (4) Can bind coverage for any effective date – no common program anniversary date; and (5) In-house underwriting. Contact Seth Madnick at 925.244.7788 or smadnick@edgewoodins.com

Ironhealth Expands Product Offerings to Protect Risk Exposure of Government Audits: IronHealth, the specialty healthcare unit of Ironshore, has expanded its Government Billing Errors & Omissions

product suite to include a policy form tailored to meet the unique needs of Managed Care Organizations (MCO). Similar to the Healthcare Provider Policy Form, this new solution, designed as a policy option, is intended to provide flexible coverage to protect Managed Care Organizations during the course of in-depth government audits and investigations of their Medicare and Medicaid billing practices. In addition, the existing Healthcare Provider, as well as the new MCO policy form, has been enhanced to integrate with other coverages that an organization may purchase, specifically Managed Care E&O for MCOs and D&O for healthcare providers. “As payers of healthcare services for government funded programs, such as Medicare and Medicaid, MCOs are subject to the same audit scrutiny as healthcare providers seeking reimbursement for services,” said Matt Dolan, President of IronHealth. “Healthcare reform has increased the number and intensity of audits conducted by Regional Auditing Companies (RAC) on behalf of the government with MCOs now coming on to the radar screen due to the number of beneficiaries participating in managed care plans.” Mr. Matt Dolan noted that “IronHealth’s expertise in underwriting Managed Care E&O exposures, combined with our knowledge of government billing audit and recovery procedures, enables our team to develop customized solutions that address the concerns of MCOs today and in the future.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironhealth Introduces Coverage for Nursing Homes to Cover Adverse Health Survey Costs: IronHealth, the specialty healthcare unit of Ironshore, has introduced a companion policy for existing insurance clients to complement its suite of Professional and General Liability coverages for nursing home facilities. IronHealth is offering comprehensive insurance coverage for reimbursement of expenses associated with timely response to Adverse Health Surveys of Skilled Nursing Facilities. The Adverse Health Survey Expense Reimbursement policy covers out-of -pocket expenses incurred by nursing homes that receive survey deficiencies at a scope and severity of “G” or higher, including those related to sub-standard care. State assessments of nursing home facilities are conducted annually to assure that the facilities are in compliance with acceptable levels of quality patient care, including safety, cleanliness, and staffing. Nursing homes that receive a deficiency at a level of “G” or higher are required to respond in a timely manner to stipulate how the institution intends to correct the deficiency and re-establish substantial compliance. The Adverse Health Survey Expense Reimbursement policy offers separate limits for survey expenses of up to $25,000 per location, available on a first dollar coverage basis. Covered reimbursement costs can include preparing for Informal Dispute

Resolution, development of Letters of Removal in response to certain citations, engaging legal counsel, and obtaining training assistance. The policy also offers external professional consultation services provided by Pendulum, LLC to help nursing home administrators achieve compliance with a timely Plan of Correction document response. Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironshore Offers Innovative New Program in Response to Complex Requirements for Medicare Reporting: IronHealth, the specialty healthcare unit of Ironshore, has introduced a customized insurance program to address the institutional risk exposure created by the specific reporting requirements of Section 111 of the Medicare, Medicaid and SCHIP Extension Act of 2007 (MMSEA). Ironshore’s new liability policy, Medicare Reporting and Secondary Payer Act Liability (MRSPAL), protects against risk exposure and subsequent penalties to institutions from failing to file in a timely manner or from negligent filing of known liability payments to Medicare beneficiaries. The federally-mandated reporting obligations will take effect on January 1, 2012, with required monitoring of potential risk exposure retroactive to October 1, 2011. Ironshore’s MRSPAL coverage was developed and is being provided by IronHealth and Ironshore Specialty Casualty, which is being made available to their respective market sectors on an open brokerage basis. Section 111 of MMSEA requires timely and detailed reporting of any and all payments to Medicare beneficiaries under liability insurance, including self-insurance, no-fault and workers’ compensation coverages. Responsible Reporting Entities, as defined in MMSEA, are obligated to report any liability payments or settlements made to Medicare recipients, thereby enabling the government to obtain reimbursement of monies advanced for covered medical services and treatments. Tim McAuliffe, President of Ironshore Specialty Casualty, stated that “institutions recognize the severity of untimely reporting and the risk of facing daily penalty fees for non-compliance, which has created a sense of urgency among our clients to obtain comprehensive insurance coverage.” Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Ironshore Specialty Casualty Enters Joint Program Relationship with NIF Group: Ironshore announced that its Specialty Casualty unit has entered into a joint program relationship with NIF Group to provide specialized coverages for Social Services and Home Medical Equipment Dealers accounts. Ironshore’s new Human Services and Home Medical Equipment Dealers Program (HSHMD Program) will be managed and distributed by NIF on behalf of Ironshore for this targeted class of business nationwide. “Ironshore Specialty Casualty

recognizes the largely un-met demand for comprehensive liability coverages within the diverse Home Medical Equipment Dealers and for-profit and not-for-profit Social Services sector,” said Marc Willner, Senior Vice President of Ironshore Programs. “Ironshore’s HSHMD Program provides an innovative insurance solution to this specialized market sector with comprehensive general and professional liability protection.” Ironshore’s HSHMD Program is structured specifically for targeted accounts within this class of business that includes Mental Health Facilities, Hospice Care, FTCA Clinics and Family Services, among others. Ironshore Programs develops customized coverages designed to meet the needs of targeted small to medium size business classes that are underserved by the general insurance marketplace. Contact Gaye Torrance at 212.691.5810 or lgtorrance@torranceco.com

Markel UK Launches Comprehensive Liability Contract for the UK Media Industry: Markel UK has launched a new liability contract to meet the growing risks facing the UK media industry. The contract provides coverage on a civil liability basis for media liability, in addition to offering professional liability cover for services provided in connection with media businesses. The new media liability contract includes indemnities to distributors and printers as well as costs and expenses for contempt of court and regulatory proceedings. The negligent transfer of computer viruses is also included as standard. Simon Fell, divisional managing director of Markel UK, said: “Media exposures often present unique challenges and this diverse sector demands a specialist approach from an insurer who can take time to fully understand the activities undertaken and identify the specific exposures, providing bespoke cover.” Contact Helen Walker at 0845.351.2600 or helen.walker@markeluk.com

NAS Announces Medical Billers and Coders E&O Program: NAS Insurance Services kicks off a special, comprehensive program for Medical Billers and Coders. NAS’ Medical Billers and Coders E&O includes: Coverage for third party claims arising out of a Wrongful Act in the performance of or failure to perform Medical Billing and Coding Services; MEDEFENSE™ Plus, which provides coverage for defense costs and fines and penalties from governmental and private payor allegations of improper billing (including RAC & ZPIC Audits) ; NetGuard™ Plus, which provides coverage for Network Security and Privacy Liability, Customer Notification and Credit Monitoring Expenses, Regulatory Fines and Penalties, Data Recovery Costs, and Multimedia Liability. NAS is a product-oriented, independent underwriting manager of specialty insurance with full binding authority to underwrite on behalf of Lloyd’s, London and other highly rated carriers. NAS offers innovative specialty products for a broad

spectrum of industries and distributes products as insurance and reinsurance. Contact Desiree Khoury at 818.808.4465 or dkhoury@nasinsurance.com

PLIS, Inc. – Underwriting Facilities Develops New Bed Bug Liability Program: Over the last 5 years, reports of confirmed bed bug events have skyrocketed, causing the general public to panic and take extreme measures to rid themselves of these pests. Bed bug events have become such a hot-topic in the media it is no surprise to see the up-turn in bed bug related litigation. General Liability/Commercial insurance carriers have declined to cover this exposure leaving the hospitality and lodging industries to finance this litigation from their own revenues. PLIS, Inc.® – Underwriting Facilities, an innovative industry leader in new and unique product development, introduces the first-ever Bed Bug Third-Party Liability Insurance Program for the hospitality and lodging industries. This program addresses the growing exposure of liability associated with bed bug events. Program features: (1) Claims Arising from Bodily Injury due to a Bed Bug Event (Cimex Lectularius/Cimex Hemipterus); (2) Claims Made & Reported Policy; (3) Pay on Behalf/Duty to Defend; (4) Punitive & Exemplary Damages (where insurable); (5) Supplementary Payments (up to $10,000); (6) Insurable Limits up to $1M/$5M; (7) Risk Management Assistance; and (8) Certain Underwriters at Lloyd’s (A.M. Best Rated A). Each policy holder receives live assistance with bed bug issues from Specialty Risk Management, Inc.® (SRM®), an experienced loss control consulting company. Insureds have free, unlimited telephone access to SRM as a resource throughout the policy year.

The 2011 RIMS Benchmark Survey Book Adds Value to Fall Renewals: How do you track premiums, limits and retentions? What about Total Cost of Risk? How Much Do You Pay Your Broker and Why? Order the 2011 edition of the RIMS Benchmark Survey at www.RIMS.org/book. Data contributors always receive the book for free; RIMS members who do not contribute data pay $550 and non-RIMS members who are non-data contributors pay $850.

RSA Launches Global Specialty Lines: RSA, the leading global insurer, announced that it has combined its large, risk managed and specialist businesses across the globe to create the Global Specialty Lines (GSL) division. Led by Paul Donaldson, Group Sales and Broker Relationships Director, the GSL division is comprised of its specialist departments: Risk Solutions; Construction and Engineering; Marine; and Renewable Energy. RSA writes over £1bn of premium across these businesses and is aiming to develop them further through sharing and demonstrating its in-depth technical expertise and

levering its global reach, heritage and reputation. “There are only a small number of insurers who can write risk solutions and specialty business across the globe, and we intend to be the very best of them. Our customers are varied and different, and they need the support that a globally coordinated programme can provide them. It’s therefore imperative that we harness all our skills and offerings across the Group to enable us to meet the needs of our current and potential global customers,” said Paul Donaldson. Contact Bart Nash at 0207.111.7336 or bart.nash@gcc.rsagroup.com

Travelers Expands Appetite with IndustryEdge for Craft Breweries: Brewing craft beers is often a labor of love - but one that also poses unique exposures as this segment continues to grow rapidly. According to the Brewers Association, the number of craft brewers has grown from 8 to 1,600 in the past 30 years. To help small brewers protect their investment, Travelers announced a new, specialized insurance offering with IndustryEdge(R) for Craft Breweries. IndustryEdge for Craft Breweries includes industry-specific insurance coverages, experienced risk control consultants and dedicated claim services that are tailored to the nuances of this niche and specialized segment. In addition to offering the core lines of commercial insurance such as general liability, workers compensation, commercial auto, property and umbrella, the IndustryEdge offering features specialized coverage and service options including: (1) Equipment Breakdown - includes guidance on the care and maintenance of boilers, processing units and pressure vessels and any required jurisdictional inspections; (2) Food Industry Amendatory Endorsement - extends $250,000 in coverage to stock damaged by contamination, dampness or dryness of atmosphere. Unlike many competitors, Travelers provides a $25,000 built-in limit for the extra expenses associated with contamination, dampness or dryness of atmosphere. Also, covered property is extended to include underground piping within 1,000 feet of the described premises; (3) Contamination Costs - includes Business Income/Extra Expense limit of $50,000; (4) Product Recall Expense - protects against costly recall expenses in the event of a voluntary or government mandated recall; and (4) Surety and Licensing Bonds - covers various needs from tax bonds to license bonds. A sampling of risk control and claim services specialized for craft breweries includes: (1) Industrial Hygiene; (2) Business Continuity; (3) Crisis Management; (4) Slip & Fall Prevention; (5) TravComp(R) - our workers compensation claim management solution that allows case managers a platform to access critical claim, billing and medical information in real time. Contact Gail Liebl at 651.310.6902 or gliebl@travelers.com

Travelers Expands Special Event Insurance: The Protector Plan for Events, underwritten by Travelers, has been expanded to go beyond weddings and deliver specific coverages for private special events including parties for anniversaries, birthdays, sweet sixteen celebrations, baby showers, holiday parties, retirements and many others. At a time when many consumers are mindful of how they are spending their money, special event insurance provides them with the ability to host the event of their dreams without putting their finances at risk should something go wrong. Consumers planning special events can now purchase the no-deductible Protector Plan(R) for Events from Travelers starting at $160*. The Protector Plan(R) for Events provides coverage for many problems such as certain severe weather causing event cancellation or postponement, transportation shutdowns, lost deposits, and other headaches that can ruin the anticipated celebration. Consumers may also have the option to add liability insurance with no deductible as an endorsement to their special event insurance policy. Contact Matt Bordonaro at 860.277.7014

Traveler’s IntelliDriveTM Mileage-Based Auto Insurance Can Help Drivers Save Beyond the Pump: Travelers provide another way for low-mileage drivers to reduce annual vehicle expenses with its mileage-based auto insurance product, IntelliDriveTM. Travelers IntelliDrive customers may receive an immediate discount of up to five percent at enrollment, and up to an additional 20 percent at renewal depending upon the number of miles driven. "Our IntelliDrive auto insurance product will certainly appeal to those who are taking steps to help lower their annual vehicle expenses," said Elaine Baisden, Vice President, Travelers Personal Insurance. "Mileage-based auto insurance is something we've been monitoring for some time, and IntelliDrive fits with the growing demand for an auto insurance product that is more personalized than ever." IntelliDrive measures mileage by using a small electronic device that a customer easily plugs into the vehicle. IntelliDrive customers can access personal driving reports through a secure website. The personal driving reports provide information on vehicle usage, which includes driving style and environmental impact such as fuel economy and carbon footprint. Parents of young drivers can also enjoy the ability to establish vehicle alerts that notify them via email when the vehicle is driven aggressively, leaves a defined area, exceeds a certain speed limit or is used during an unauthorized driving period. These optional alerts are based on settings defined by the customer. IntelliDrive is currently available in Illinois, Ohio, Oregon and Virginia. Contact Matt Bordonaro at 860.277.7014 and Gary Griffin at 860.954.1371

Travelers Unveils Plastics Insurance Product: The product will provide a range of commercial covers, including property damage, public and products liability and professional indemnity, for businesses within the plastics and rubber industry. Travelers will also offer non-conventional covers for large risks tailored specifically to suit the customer’s needs. Keith Purvis, general manager at Travelers UK, said: “The plastics industry has its own unique set of risks and requirements. It is developing very rapidly, which is why we knew it was essential to develop a specific solution that leverages our expertise. “The plastics industry is making more investment in technical advances, and manufacturers are now involved in virtually every sphere of developing technology. Any insurer that provides services to the plastics industry needs to understand these developments. “The focused approach and expertise of Travelers underwriters and risk managers allows them to better understand this market and the unique industry risks as well as the emerging issues which these customers face on a daily basis.” Contact Gail Liebl at 651.310.6902

Willis Develops Auto-Enrolment Platform to Guide Companies Through Workplace Pension Reforms: The UK Employee Benefits Practice of Willis Group Holdings plc (NYSE: WSH) announced the launch of its Auto-Enrolment platform, an online service providing employers with the tools they need to manage Workplace pension reforms due to come into effect in the UK from 2012. The 2012 Workplace pension reforms include a legal duty to automatically enrol all eligible jobholders into a qualifying pension scheme, and the introduction of a new compliance regime enforced by the Pension Regulator. There is a four-year timetable governing when each employer needs to comply with the new rules, starting first with the largest employers who must comply by October 2012. Willis’ Auto-Enrolment platform is a solution tool which enables companies to manage these changes, and comply with the new rules and requirements. Willis’ Auto-Enrolment services include: (1) A consultancy service to enable companies to understand how the new requirements relate to their circumstances and what the impact on their business will be; (2) Advice on whether current pension arrangements meet the criteria for a qualifying pension under the new rules, and an illustration of any additional costs that will apply; (3) A market review of qualifying pension schemes to find the scheme which best suits a company’s requirements; (4) A technology platform to manage the new duties and requirements of employers under pension reform, and to provide companies with management reporting and analysis across multiple pension schemes; and (5) Services to help communicate the changes and the options available to employees including the design, production and delivery of a

multichannel communications strategy. Contact Harry Carter at 0203.124.8603 or harry.carter@willis.com

Willis Launches Reputation Protection for Hotels: In the world of new media where bad news travels fast, food-borne illness or accidents involving guests on site can ruin a hotel’s reputation, and their balance sheet, overnight. To help protect hoteliers from losses as a result of such adverse publicity, Willis Group Holdings (NYSE: WSH), the global insurance broker, in conjunction with Lloyd’s of London underwriter Kiln, has created a policy aimed at limiting the financial fallout from negative PR. The Hotel Reputation Protection 2.0 policy has been created to respond to incidents that lead to, or are likely to lead to, losses resulting from adverse publicity through any medium, from traditional to new media. Specifically, the policy provides cover for lost revenue based on RevPAR figures, a performance metric in the hotel industry that measures revenue per available room. It also provides cover for the cost of hiring a crisis management consultant to assist during the first weeks of an incident. The policy will pay up to €25 million for both the crisis management costs and the reimbursement of the reduction in RevPAR. The Willis-Kiln cover is designed to protect hotels against some of the most common causes of brand damage, including the death or permanent physical disability of a guest, and food poisoning caused by malicious or accidental contamination. Also covered are outbreaks of Norovirus, which is responsible for about 90 per cent of stomach illnesses, and Legionnaire’s disease, a potentially fatal lung infection that can be contracted through the consumption of contaminated water. Contact Tricia Holly Davis at 0203.124.8633 or tricia.hollydavis@willis.com

Worldwide Facilities Appointed Exclusive Nationwide Producer for NutraAdvantage: Worldwide Facilities has been appointed the nationwide exclusive producer for General Star’s NutraAdvantage product. The exclusive arrangement includes delegated underwriting authority for Worldwide Facilities, Inc. Created by General Star in November 2007, NutraAdvantage provides specialty liability coverage for the herbal, botanical and vitamin industry. It is available on a non-admitted basis in all states by General Star Indemnity Company or General Star National Insurance Company. Both companies are rated A++ (Superior) by A.M. Best Company and carry an AA+ insurance financial strength rating from Standard & Poor’s Corporation. The NutraAdvantage policy includes a hybrid coverage form consisting of claims-made products/completed operations combined with occurrence premises/operations. The NutraAdvantage Plus endorsement provides protection for six categories of additional insureds, including vendors. Product recall with a $50,000 sublimit is another distinctive aspect of this product, designed specifically for

nutraceutical manufacturers and distributors. Capacity of up to $10 million is available. “The product and delegated underwriting platform are designed to deliver market-leading responsiveness to the dietary supplement industry,” said Cole Palmer, VP and casualty division manager. “We are delighted to team up with Worldwide Facilities®, a legacy General Star client with substantial nutraceutical market presence. Their dedicated team knows this business. As a result, they bring an exceptional level of creativity and strong service orientation to the table.” Contact Morgan Moore III at 213.236.4566 or mmoore@wwfi.com

XL Announces that it has Obtained Prior Approval to Establish an Insurance Operation in Brazil: XL Group plc and its subsidiaries announced that the XL group of companies has received prior approval from the Brazilian insurance and reinsurance regulator, Superintendencia de Seguros Privados (SUSEP), to establish an insurance operation in the country. Upon receipt of final regulatory approval, XL plans to open XL Seguros Brasil S.A. in Sao Paulo to offer a range of Casualty, Property, Professional and Specialty insurance products. This insurance operation will expand XL’s capabilities in Brazil, where its Reinsurance segment has operated for over a decade. XL’s CEO, Mike McGavick, said: “The Brazilian contribution to the global economy continues to grow and will only become more central to our clients’ goals. We look forward to expanding our offerings in the country and helping the development of the local and regional marketplace.” “At XL we are continually focused on the rate of change, the increasingly interconnected world and the need to help our clients advance wherever their business occurs,” Mr. McGavick added. “Of the approximately 1700 Global Programs we participate in, more than thirty percent have at least one policy in Latin America, and we are committed to building out our regional presence. We will continue to work closely with SUSEP and prepare for the full opening of our insurance operations including the recruitment of additional underwriters and support teams.” Contact David Radulski at 441.294.7460

XL Launches New Global Property Valuation Product to Ensure Accurate Cover: XL Insurance, the global insurance operations of XL Capital Ltd, announced the launch of a new global property valuation solution. Both under and over-insurance can result in significant problems with many companies not recognising the full economic impact of inadequate cover. XL has joined forces with American Appraisal, a world leader in insurance valuations, to offer independent and unbiased valuations to XL customers. American Appraisal’s international network coupled with XL’s global reach and extensive product range offers additional assurance to XL clients. This

innovative solution provides clients with an assessment of the insurable value for any tangible asset – not only the building, but also the building’s equipment and contents. The services cover: (1) calculation of insurable values to support asset replacement cost; (2) primary construction, occupancy, protection and exposure (COPE) data analysis; (3) assistance in calculation of loss estimates; and (4) anticipated rebuilding time to assist selection of indemnity periods. Contact Sarah Booker at 0207.621.4292 or sarah.booker@xlgroup.com

XL Launches a New Suite of Insurance Solutions for the Life Science Industry: The Insurance segment of XL Group plc announced the launch of a new range of insurance solutions for the Life Science industry. The new suite of products is aimed at companies in the following or related fields: biotech, cosmetics and medical devices in general, as well as small to medium-sized pharmaceutical companies with moderate US exposure and a turnover of up to EUR 1 billion. The products developed especially to respond to the needs of the Life Science industry include General Liability, Product Liability, Clinical Trial Liability (Domestic and Foreign), Environmental Liability and Property coverage. These are offered as stand-alone or as part of a package and are initially available primarily to buyers in Europe. Thomas Stamm, Chief Underwriting Officer Primary Casualty, International P&C, said: “Life Science companies today operate in increasingly complex and demanding markets. Changing demographics and customer needs, as well as challenging legal frameworks create opportunities and at the same time result in a highly litigious environment. Our specialized underwriters and risk engineers understand the Life Science industry’s complex risks. As these are global by nature, clients can count on our global network and expertise to insure risks in over 100 countries.” Contact Sarah Booker at 0755.797.1390 or sarah.booker@xlgroup.com

Zurich Announces New Relationship with Stanford Hospital & Clinics Risk Consulting to Provide Innovative Health Care Risk Management Solutions: Zurich announced that its Healthcare group has entered into a relationship with Stanford Hospital & Clinics Risk Consulting (SRC) to offer integrated, advanced and flexible solutions for the health care industry to its professional liability policy holders. “As cost, technology and demographic pressures on health care increase, providers are continuously trying to improve the quality of care, reduce cost and increase patient safety, all at the same time," said Susan Salpeter, lead risk engineer for healthcare for Zurich Services Corp. "Our health care customers can have access to SRC's services at a special Zurich rate to empower them with tools,

knowledge, training and strategies to help them manage critical risks in today’s health care industry along with measuring their results. These services complement Zurich’s expertise." SRC's services include: (1) Claims management methodologies and consulting services: (a) Process for Early Assessment and Resolution of Loss (PEARL) – may include apology and remedial measures and compensation; (b) Decision Analysis Reserve Targeting (DART) – applies better methods to quantify risk to drive case management strategy and financial reserving decisions. (2) Safe Patient Handling - offers a full cost benefit analysis to build programs helping to protect patients and caregivers from injury, includes access to Stanford’s on-site safe patient handling and simulation lab; (3) Strategic Decision and Risk Management class – a two and a half day course focusing on applying advanced health care risk management techniques; (4) Edge of Risk series – a suite of education webinars focusing on advanced health care and emerging risk issues; includes views from industry professionals, white papers and guidance with creating enterprise-wide policies and procedures; and (5) Structural Risk Analysis – provides an analysis of an organization's risk management program utilizing ISO 31000 framework. Contact Steve McKay at 847.706.2265 or steven.mckay@zurichna.com

Zurich and Program Administrator Marine Agency Corporation Ink New Insurance Program Deal for Tattoo, Body Piercing Studios, Day Spas and Salons: Zurich has announced they are offering a new insurance program for tattoo and micro-pigmentation artists, body piercers, massage therapists, estheticians, and cosmetologists. The Day Spas, Tattoo Studios and Salons program is a commercial insurance package and offers the following types of insurance: * Professional liability – Insurance Protection from lawsuits arising out of services performed. * Premises / product liability – Insurance Protection from lawsuits arising out of the operation of the business and product sales. * Property coverage – Insurance Protection for business contents and building against losses due to perils, such as fire, smoke, lighting, riot, wind, explosion, vandalism, malicious mischief, burglary, theft and other direct causes of physical damage not otherwise excluded by the policy. Marine Agency Corporation is a program administrator working with Zurich and offers the program on an occurrence policy form in all states including District of Columbia. Contact Jennifer Nowacki at 847.605.6511 or jennifer.nowacki@zurichna.com

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