85 Gracechurch StreetLondon EC3V 0AA

Tel: +44 (0) 207 220 8500Email: enquiries@cfcunderwriting.com

Web: www.cfcunderwriting.com

HealthcareCFC 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.

We lookat things

differently

About Us

Eight years ago, we began underwriting large nursing homes in the US. Over the last few years, this product suite has expanded to include a wide variety of large and small healthcare entities across the globe.

Headed by Senior Healthcare Underwriter and Director at CFC, Jonathan Swann, our book for nursing homes and other medical professionals is one of the largest of 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.

Our healthcare suite includes four products - A&M, FIT, LTC, and SNF - which cover a wide variety of companies from dieticians and fitness instructors to social workers and nursing facilities. If you have any questions at all about our healthcare suite, email Jonathan Swann at jswann@cfcunderwriting.com or Timothy Boyce at tboyce@cfcunderwriting.com.

Meet Our Healthcare Team Here’s a little bit more about our healthcare underwriters:

In 2010, our healthcare team was voted “Underwriter of the Year” at the British Insurance Awards. Timothy Boyce, Healthcare Underwriter

Tim has specialised in the healthcare industry since joining CFC in December of 2007. 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.

Luke Overall, Healthcare UnderwriterLuke 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 is now working towards his full ACII professional qualification.

Michael Alywin, Junior Underwriter’s AssistantMichael 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.

Laura Clark, Healthcare UnderwriterWith over 5 years experience in the insurance industry, Laura is a particular specialist in professional liability. She is key member of the team, handling over 200 new busi-ness enquiries each month from various territories.

Jonathan Swann, DirectorA 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.

OUR PEOPLE

A&MINSURANCE FOR ALLIED HEALTH ANDMEDICAL PROFESSIONALS

Who’s it for?• Acupressurists• Acupuncturists• Aromatherapists• Audiologists• Auricular detoxers• Biokineticists• Body therapy practitioners• Certified laboratory technicians• Certified medical assistants• Clerical assistants• Clinical laboratory technicians, medical technicians, medical lab technicians• Colour therapists• Community health assistants or technicians • Conscious breathing practitioners• Cosmetologists• Counsellors• Dental hygienists

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

What are the limits, deductibles, and premiums?Maximum Professional Liability Limit: $5,000,000 Maximum General Liability Limit: $5,000,000Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000Maximum Property Limit: $10,000,000 p/lMaximum Revenues: $25,000,000Minimum Deductible: $100Minimum Premium: $75

Why bother with A&M?• We offer our brokers a white-labelled online quote and bind system which provides full policy lifescycle management. Ideal for program business, our system makes it easier for clients to purchase cover and brokers to administer. • A&M is a seamlessly blended package policy which includes professional liability, general liability, sexual misconduct & abuse liability and property for allied health and medical professionals. The policy is also modular so you can buy individual sections if you wish.

• Dieticians• Histologic technicians• Homoeopaths• Horticultural therapists• Hypnotherapists• Lymphatic drainage therapists• Massage therapists• Medical assistants • Medical records technicians or administrators • Meditation practitioners• Opticians• Orthotic / prosthetic fittings• Phlebotomists• Pilates practitioners• Prosthetic device fitters• Recreation therapists• Reflexologists• Speech therapists• Yoga practitioners

FITINSURANCE FOR FITNESS INSTRUCTORS & CLUBS

Who’s it for?• Aerobics instructors• Athletic trainers • Aqua aerobics instructors• Ballet fit instructors• Body pump instructors• Boxercise instructors• Cheerleading instructors• Dance / movement therapists• Fitball instructors• Fitness instructors• Fitness clubs• Fitness boot camps• Group fitness instructors• Gyrotonic exercise instructors• Health clubs and gyms• Indoor rowing instructors• Jazz fit instructors

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

What are the limits, deductibles, and premiums?Maximum Professional Liability Limit: $5,000,000 Maximum General Liability Limit: $5,000,000Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000Maximum Property Limit: $10,000,000 p/lMaximum Revenues: $25,000,000Minimum Deductible: $100Minimum Premium: $75

Why bother with FIT?• FIT is a one-stop shop for fitness instructors and clubs which has been specially developed just for them. Not only does it give these businesses well-rounded professional and general liability cover, but it also takes into account risks unique to the industry such as sexual misconduct & abuse liability. With FIT, you can rest assured that your clients have robust and relevant cover in place. • Brokers can track their FIT enquiries, orders, and renewals through the broker area of our website. This area is a great place to keep track of anything you 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.

• Latin fit instructors• Life coaches• Mind body programs• Nutritionists• Personal trainers• Physical therapists• Physiotherapists• Pilates instructors• Power Plate instructors• Recreation therapists• Salsa fit instructors• Spinning / indoor cycling instructors• Street fit instructors• Tap fit instructors• Yoga practitioners• ZUMBA instructors / dance instructors

LTCINSURANCE FOR PROVIDERS OF LONG TERM CARE

Who’s it for?Non-residential senior care:• Certified nursing assistants, nursing aides• Clergy, chaplains or religious ministry• Home health care• Housekeepers• Licensed practical nurses, licensed vocational nurses• Live-in companions• Medical directors• Medical suppliers• Medical technicians• Nurse practitioners• Occupational therapists

Residential senior care:• Adult day care centres (certified)• Assisted living facilities• Hospices• Host homes• Independent living facilities

What does it cover?• Professional liability• 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

• Computer virus and hacking attack liability• Loss mitigation costs• Medical expenses cover• Court attendance costs• Brand protection cover

What are the limits, deductibles, and premiums?Maximum Errors & Omissions Limit: $5,000,000 Maximum General Liability Limit: $5,000,000Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000Maximum Property Limit: $10,000,000 p/lMaximum Revenues: $25,000,000Minimum Deductible: $2,500 (residential) $100 (non-residential)Minimum Premium: $75

Why bother with LTC?• LTC is a seamlessly blended package policy which includes professional liability, general liability, sexual misconduct & abuse liability, and property for long term care facilities. The policy is also modular so you can buy individual sections if you wish. • 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 you are looking for within our appetite list, we will try to think outside the box to find you a solution.

• Personal carers• Physical therapists• Physicians• Physicians’ assistants• Psychiatrists• Psychotherapists• Registered nurses• Rehabilitation consultants• Residence managers• Respiratory therapists• Sitters• Social workers

SNFINSURANCE FOR SKILLED NURSING FACILITIES

Who’s it for?• Individual skilled nursing facilities• Facilities with chains of up to 50 locations

What does it cover?• Professional liability• General liability• Sexual misconduct and physical abuse liability• Employee benefits liability• Medical practitioner liability• Medical expenses cover• Evacuation expense reimbursement• Computer virus and hacking attack liability• Non-owned and hired automobile liability• Brand protection cover• Court attendance costs• Tenants’ liability• Indemnity to mortgagees, landlords or lessors of leased equipment• An incident sensitive trigger – a lawsuit does not have to be brought against the client for a policy to respond• The policy can wrap around specific state insurance funds if required

What are the limits, deductibles, and premiums?Maximum Professional Liability Limit: $1,000,000 Maximum General Liability Limit: $1,000,000Maximum Sexual Misconduct & Abuse Liability Limit: $1,000,000Maximum Computer Virus & Hacking Liability Limit $250,000Maximum Pollution Liability Limit: $250,000Maximum Revenues: UnlimitedMinimum Deductible: $5,000Minimum Premium: $20,000

Why bother with CareSurance® SNF?• In such a tough class of business, our personal, flexible and pragmatic approach to underwriting will be the key to your success. • SNF incorporates an innovative risk management program which makes the facility a better risk and uniquely, makes it money. Our risk management tools increase government reimbursements by an average of $1,000 per month for most skilled nursing facilities by ensuring accurate coding of the Minimum Data Set (MDS). • Claims are handled by reputable and experienced claims managers Professional Claims Managers Inc. (PCM), who are in possession of claims funds to ensure 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.

GO ONLINEOur Online Quote and Bind PlatformThe 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.

OUR SERVICEService StandardsOur 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 circumstances are quoted within 24 hours unless there is a reason not to do so. In practice 90% of our policies are also issued within 24 hours.

Service LevelsTo show our dedication to great service, we publish our enquiry response and policy issuance times monthly on our website so our brokers can see our service levels themselves.

So, in short, service is at the centre of everything we do at CFC. Whether we are building a new product, providing a quote for a policy, or just responding to a quick enquiry, our aim is to stand out as a truly service-centric organisation, with our bro-kers’ and insureds’ needs always at the forefront.

Broker OpinionA 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

Service Achieved, 1 December 2011 to 31 May 2012

* 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.

Same day

Within 24 hours

Within 48 hours

Within 1 week

More that 1 week

22%

54%

3%4%

17%51%

39%

5%3% 2%

Enquiry Response Times* Policy Issuance Times**

CLAIMSOverviewWe 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 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.

Tim Danbury, Claims ManagerTim 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.

RESOURCESBrowse our blogsKeeping up with the latest news from your target sectors can be time-consuming. So to give you a helping hand, we’ve launched a series of blogs covering a wide variety of news and claims examples. From what’s happening at CFC to the latest updates on high profile court cases, we cover it all.

www.cfcunderwritingblog.comGeneral news about what’s happening at CFC

www.technologyinsuranceblog.comUp-to-date news on legal actions in the technology sector,

including viewpoints on cybercrime, privacy, fraud and morewww.mediainsuranceblog.com

News and opinions on changes in media law and how it affects theinsurance market, with a special focus on social media

www.recruitmentinsuranceblog.comThe recruitment industry is changing quicklyand this blog analyzes the arising new risks

www.healthcareinsuranceblog.comFrom computerised systems to current legal challenges,

learn more about healthcare’s changing risk profilewww.lifescienceinsuranceblog.com

The latest news pertaining to the life science industry and itseffect on the liabilities life science companies now face.

www.architectsinsuranceblog.comwww.engineersinsuranceblog.comwww.managementliabilityblog.com

COMING SOON!

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

Sign up to our newslettersWant even more news? We send a weekly technology risk newsletter which details legal actions in the technology sector and current news about cybercrime cases, IP infringement, privacy breaches and much more.

For our brokers, we also send a newsletter out once every two months. This features general news about what’s happening at CFC, including new products, recent hires, changes to wordings and more. If you’re a broker, this is an ideal way to get all the latest CFC news in one, easily-digestible email.

To sign up to either of these, go to www.cfcunderwriting.com/media/newsletters.aspx More newsletters like these are on their way, so keep an eye out for new ones too!

Track your enquiries, orders, and renewals on our websiteEach CFC broker is given login information for the broker area of our website. This area can used to track, DHL-style, any of your enquiries, orders, or renewals with CFC, update your personal and company information, and manage your CFC news-letter subscriptions.

The broker area is also where we host our monthly broker loyalty sealed bid auc-tion. Every time a broker submits an enquiry, order, or renewal with CFC, he or she is awarded points and with those points, can place bids on a wide variety of prizes. We’ve given away everything from champagne to Amazon Kindles, so make sure you check it out.

If you’re a CFC broker and would like your broker area login information, simply email us at promotions@cfcunderwriting.com. To access the broker area, go to www.cfcunderwriting.com/clients/broker-login.aspx