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SPECIALTY & CYBER MADE SIMPLE™
For our 40th Anniversary issue we are excited to introduce a new format to our product catalog. As a
reflection of our drive for constant innovation, we offer you a new and easier way to access the
information about our specialty products and programs.
You’ll notice that the catalog is now separated into two major sections:
Specialty Insurance and Tech & Cyber.
Specialty Insurance includes our industry-leading products like MEDEFENSETM Plus and our Long Term
Care Facility PL/GL. Tech & Cyber includes updated coverage descriptions of our Cyber and Tech E&O
products, and also provides extensive details about our array of cyber risk management, claims and
expert support services that will help your clients in the event of a cyber breach or incident.
We hope you continue to find this catalog useful and our products effective in meeting your clients’
needs.
Thank you for your continued support of NAS and we look forward to another 40 years working
together to deliver innovative specialty insurance solutions.
Sincerely,
Richard Robin
CEO
3
NAS SPECIALTY INSURANCE SOLUTIONS FALL 2015
SPECIALITY INSURANCE:
Programs & Self-Raters ............................................................................................................................................. 5
Abuse / Molestation .................................................................................................................................................... 6
Errors & Omissions .................................................................................................................................................... 7
for Healthcare Consultants ........................................................................................................................................ 7
Long Term Care Facilities Professional & General Liability ................................................................................. 8
MEDEFENSE™ Plus ................................................................................................................................................. 9
Miscellaneous Errors & Omissions ......................................................................................................................... 10
Miscellaneous Medical Malpractice (Allied) .......................................................................................................... 12
Non-Standard Physicians Professional Liability.................................................................................................... 13
Product Recall ........................................................................................................................................................... 14
Sexual Misconduct & Molestation Liability ........................................................................................................... 15
Social Services Professional & General Liability ................................................................................................... 15
Tenant Discrimination Insurance ............................................................................................................................ 17
TECH & CYBER SOLUTIONS:
Cyber Liability Insurance ........................................................................................................................................ 20
Incident preparedness, response and business restoration ................................................................................... 22
NAS CyberNET: Support and Risk Management ................................................................................................. 23
Cyber Liability - NetGuard™ Plus ......................................................................................................................... 25
Cyber Self-Raters ..................................................................................................................................................... 26
e-MD™ Healthcare Cyber Liability ....................................................................................................................... 27
Technology E&O - TechGuard™ ........................................................................................................................... 28
NAS Insurance Company Directory ....................................................................................................................... 30
Check out Program & Self-Raters information on Page 5!
These product overviews are for descriptive purposes only and do not provide a complete summary of coverages.
Please consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage.
5
NAS Insurance offers simplified underwriting for our most popular products. Qualified risks are able to streamline the
underwriting process by completing a simplified application and send in a bind request for their desired coverage.
NAS Product Classes Coverage
MEDEFENSE™ / e-
MD™
Medical Groups with up to 25 full time
equivalent physicians
Pays for the legal expenses and civil fines and penalties
for allegations of improper billing, HIPAA privacy,
STARK and EMTALA violations with limits up to
$1M/$5M, full Prior Acts coverage, deductibles
starting at $2,500 and access to NAS cyber risk
management website. Stand-alone cyber coverage also
available.
Miscellaneous E&O Tutors Limits up to $1M for Misc E&O with
Abuse/Molestation sub-limit available up to
$250k/$500k.
Answering Service Limits up to $1M for Misc E&O with Cyber and
Defense Outside the Limit included. Alarm Monitoring
coverage available up to 2M limit.
Medical Billers & Coders Limits up to $5M for Misc E&O with MEDEFENSE™
and Cyber sub-limits available.
Property Managers Limits up to $5M for Misc E&O with a $1M sub-limit
for Tenant Discrimination available.
Miscellaneous E&O for
Healthcare Consultants
Healthcare Consultants providing
services including, but not limited to,
case management credentialing, expert
witness services, independent medical
reviews, etc.
Limits up to $1M/$3M for Misc E&O for Healthcare
Consultants with Cyber Liability, Defense Outside the
Limit and First Dollar Defense coverage available by
endorsement. Product includes Prior Acts coverage.
Miscellaneous Medical
Malpractice
Home Health Care and Temporary
Medical Staffing Agencies
Limits up to $1M/$3M PL/GL with GL Occurrence
available. This robust product includes Cyber
Liability, MEDEFENSE™ Plus and Sexual
Misconduct sub-limits. Defense Outside the Limit,
Hired Non-Owned Auto and Prior Acts coverage are all
available.
NetGuard™ Plus Multiple self-raters available based on
class, including Accountants & CPAs,
Auto Dealers, Home Health Care
Agencies, Insurance Agents, Lawyers,
Property Management, Schools
(Grades K-12) and Security Brokers,
Dealers and Investment Advisors
Limits up to $1M (higher limits available upon
request), Breach of Non-Electronic Paper Files
covered, option for Privacy Breach Response limits that
do not erode policy limits available, Acts by Rogue
Employees covered. Coverage continues through
bankruptcy. PCI/DSS Assessment sub-limits available.
Long Term Care Online program available for
Residential Care Facilities of 6 beds or
less
Limits up to $1M/$3M PL/GL with Sexual
Misconduct, Defense Outside the Limit and
Employment Benefits Liability, all up to the limit for a
minimum premium of $1,100. $100k/$300k sub-limit
of Hired/Non-Owned. Auto available for $200 AP
upon request.
For more information about these programs or to obtain a copy of our self-raters, please contact Hannah Smith at
[email protected] or call 818.479.4307
Programs & Self-Raters
6
Free selection of defense counsel
Prior Acts coverage available
Coverage for directors, trustees, officers, other employees or volunteers
Reputational Harm coverage is available by endorsement
Punitive Damages may be included via endorsement where insurable by law.
Abuse / Molestation (Claims Made)
With the recent stream of allegations of abuse, general liability policies are starting to specifically exclude this coverage
at a time when companies may need it most. NAS’ abuse or molestation product offers coverage for the actual or
threatened abuse or molestation of clientele while in their care, custody or control. Written on a reimbursement basis,
this niche product offers difficult to place coverage at competitive pricing.
Eligibility • Camps
Churches
Community Theater/Arts Programs
Tutoring Services
Limits Available Up to $250,000 each claim / $500,000 aggregate for reimbursement of Legal Expense and
Loss (higher limits available for reimbursement of Legal Expense only)
Special Features
Minimum Premium $2,500*
Minimum Deductible $2,500*
Ineligible Classes Catholic Organizations, International Travel/Student Exchange Programs
*May vary based on class and size of business
Brian Alva
Kareen Boyadjian
Tim Troncosco
Vice President
Senior Underwriter
Underwriter
818.382.6103
818.382.6106
818.479.4306
7
First Dollar Defense and Defense Outside the Limit available
Prior Acts coverage is available
Named Perils policy
Available on NAS ONLINE
Errors & Omissions
for Healthcare Consultants (Claims Made)
NAS can cover most medical-related services for risks that fall outside of a medical malpractice policy due to a lack of
direct patient care. Healthcare consultant exposures include, but are not limited to:
Expert Witness
Case Management
Workers Compensation Evaluation
Medical Record Review
Independent Medical Review
Managed Care Contracting
Disease Management
Disability Evaluation
Limits Available Up to $1 Million / $3 Million or $2 Million / $2 Million
Up to $1,000,000 coverage available for e-MD™ Cyber Liability
($25,000 cyber liability automatically included)
Minimum Deductible $2,500
Minimum Premium $1,750
Special Features
Ineligible Classes Interim CEO, CFO, President or Administrator. Fiduciary Exposures, Attorney
Services, Pharmaceutical Consulting, Clinical Trials, Mergers/Acquisitions, Business
Valuations
Available on NAS ONLINE
Chris Reese
Josh Dizon
Vice President
Associate Underwriter
760.505.4312
818.479.4302
8
Long Term Care Facilities
Professional & General Liability
Long term residential care facilities need an innovative product that will provide the broadest coverage for their
exposures. These facilities are in more demand than ever as the ‘Baby Boomer’ generation enters retirement at a record
pace. NAS’ unique Long Term Care program addresses the evolving risk surrounding these facilities with enhanced
coverage.
Eligible Classes Include
Limits Available Up to $1,000,000 / $3,000,000
Minimum Deductible $1,000 (PCH, ILF, ALF)
Minimum Premium $1,100 (for facilities up to 6 Beds)
Special Features
Available on NAS ONLINE Special rates available through NAS Online. Contact Matthew Thoburn at
[email protected] for details.
Matthew Thoburn
Priscilla Penfold
Justin Sanches
Assistant Vice President
Associate Underwriter
Associate Underwriter
818.382.6102
818.382.6105
818.479.4303
Independent Living Facilities
Personal Care Homes
Residential Care/Assisted Living Facilities
Alzheimer’s/Dementia Care
Intermediate Care
Congregate Care Facilities
Skilled Nursing Facilities
Compliance with CA AB 1523 law
GL Occurrence now available
Sexual Misconduct up to $2 Million / $2 Million
Up to $50,000 sub-limit available for Evacuation Expense
Defense Outside the Limit, up to the limit
First Dollar Defense coverage
Incident Reporting
Up to $100,000 sub-limit for MEDEFENSE Plus™
Up to $1,000,000 limit for e-MD™ Cyber Liability
No coverage limitations for elopement or bedsores
Employee Benefits Liability available
Coverage for Medical Director administrative duties available upon request
Hired/Non-owned Auto coverage available up to a $1,000,000/$1,000,000 limit
9
MEDEFENSE™ Plus
Healthcare facilities and their providers that bill Medicare or Medicaid are now faced with the reality that the Recovery
Audit Contractor (RAC) and Zone Program Integrity Contractor (ZPIC) audits have spread
nationwide. MEDEFENSE™ Plus is a uniquely effective insurance solution that pays for the legal fees and civil fines &
penalties incurred due to proceedings resulting from audit findings.
Eligibility Anyone with a National Provider Identification (NPI) Number is susceptible to governmental or
commercial payer audits. Below is a list of classes eligible for MEDEFENSE™ Plus coverage:
Acute Care Hospitals
Ambulatory Surgical Centers
Anesthesiology
Assisted Living Facilities
Behavioral Health
Community Hospitals
Dermatology
Dentistry
Diagnostic Imaging
Emergency Medicine
Endoscopy
Family Medicine
Gastroenterology
Hematology
Independent Living Facilities
Internal Medicine
Long Term Care Facilities
Mental Health Clinics
Nephrology
Neurology
Obstetrics/ OBGYN
Occupational Therapy
Oncology
Ophthalmology
Optometry
Orthopedics
Otolaryngology
Pain Management
Pathology Labs
Pediatrics
Physical Therapy
Podiatry
Pulmonology
Radiology
Rheumatology
Skilled Nursing Facilities
Sleep Centers
Urology
Special Features
Minimum Premium $1,500
Minimum Deductible $1,000
Ineligible Classes Home Healthcare Agencies, Ambulance Service Companies, Durable Medical Providers
Available on NAS ONLINE
Brian Alva
Kareen Boyadjian
Tim Troncoso
Vice President
Senior Underwriter
Underwriter
818.382.6103
818.382.6106
818.479.4306
MEDEFENSE™ Plus – Defense cost and civil fines and penalties coverage for Billing
Errors, HIPAA, EMTALA and Stark proceedings:
Full Prior Acts available
Broad definition of Insured
Broad definition of Billing Errors Proceedings to include both governmental and commercial
payer audits and investigations, qui tam plaintiffs, or voluntary self-disclosure
Sub-limit available for Medical Board Proceedings defense cost reimbursement
Payment for pre-approved shadow audits
May be combined with e-MD™ coverage
10
Miscellaneous Errors & Omissions (Claims Made)
Miscellaneous E&O insurance provides coverage for damages and defense costs arising from a wrongful act in the
performance of, or failure to perform, insured services (professional duties). Anyone can make a mistake: fail to
complete a transaction, miss a deadline or simply make a bookkeeping error. For this reason, even the most
conscientious professionals and companies become defendants in expensive and protracted legal battles. As a
professional in the service industry, you have an E&O exposure and the need to protect your assets.
Eligibility Sampling of the classes we write on next page
Limits Available Up to $5,000,000 / $5,000,000
Minimum Deductible $1,500
Minimum Premium $1,000
NAS is also able to offer unique programs for select classes of business that are enhanced to include more than just
standard E&O coverage. Each program includes the NetGuard™ Plus Cyber Liability enhancement for no
additional premium. Programs Include:
Insurance Agents
Answering Services
Tutors
Property Managers
Medical Billers
Special Features
Contingent BI/PD available for select classes
Policy form provides Personal and Advertising Injury coverage
Coverage for Regulatory Exposures available
Prior Acts available
GL available for select classes
Defense Outside the Limit is available
$1,000,000 of NetGuard™ Plus coverage can be added
Ineligible Classes Fiduciary Exposures, Seedsmen, Accountants, Attorneys, Collection Agents,
Sports/Talent Agents, Escrow/Title Agents, Architects & Engineers, Trustees,
Mortgage Brokers, Real Estate Agents
Available on NAS ONLINE
Brian Alva
Vanessa Poma
Rika Sata
Josh Dizon
Vice President
Underwriter
Underwriter
Associate Underwriter
818.382.6103
818.479.4304
818.382.6100
818.479.4302
11
Miscellaneous Errors & Omissions
Eligible Classes
This list is not all-inclusive, but is an example of some of the classes we can write:
Advertising Agencies
Agricultural Consultants
Alarm Monitoring
Answering Services
Arbitrators and Mediators
Association Administrators
Auctioneers
Auto Dealers
Back Office Services
Billing Services
Bookkeepers and Tax Preparers
Claim Adjusters
Clean-room Design
Compliance Consultants
Consultants
Court Reporting/Stenography
Disaster Recovery Services
Emergency Response
Employee Screening/Background Checks
Employee Leasing/Human Resource Outsourcing
Employment Agencies
Environmental Consultants
Event Planning
Executive Coaches/Business and Personal Mentors
Expert Witness Services
Forensic Investigation
Freight Forwarders
Fulfillment Services
Graphic Design
Insurance Agents
Insurance Inspection/Auditing
Interior Designers
Landscape Design
Litigation Support Services
Loss Control/Risk Management
Market Research
Medical Billing
Medical Claims Management
Meteorologists
Mortuary and Funeral Services
Notary Services
Premium Finance Services
Printers
Process Servers
Property Managers
Public Relations Firms
Records/Document Services
Sprinkler/ Fire Suppression System Design
Technical Help Centers
Technical Writing
Telemarketing
Testing Laboratories
Third Party Administrators
Tour Operators/Travel Agents
Translation Services
Training and Certification Services
Tutors
Utilities Review Services
12
Miscellaneous Medical Malpractice (Allied)
Eligibility Eligible classes include, but are not limited to, the following:
Home Health Agencies
Nurse Registries
Medical Spas
Physical Therapy Clinics
Medical Testing Labs
CRNA
Dental Clinics
Diagnostic Imaging and X-Ray Clinics
Dialysis Centers
Drug and Alcohol Rehab
Drug Testing Labs
Health and Fitness Centers
Medical Clinics
Mental Health Clinics
Opticians and Optometrists
Pharmacists
Psychiatric Hospitals
Surgi-Centers
Limits Available Stand-alone Professional
$5,000,000 each claim / $5,000,000 aggregate
Combo – GL and Professional
$5,000,000 Professional Liability limit
$5,000,000 Commercial General Liability limit
$5,000,000 Products/Completed Operations limit
$5,000,000 Personal & Advertising Injury limit
$5,000 Medical Expense limit
$50,000 Fire Legal Liability limit
We can write up to $5M excess over other carriers’ Misc. MedMal and Social Services PL/GL.
Special Features
Minimum Premium $1,500
Minimum Deductible $0
Ineligible Classes Emergency Rooms, Emergency Air & Emergency Ground Ambulance Services
Ineligible States Alaska
Brian Alva
Matthew Thoburn
Nick Gonzalez
Eric Isaacson
Vice President
Assistant Vice President
Senior Underwriter
Underwriter
818.382.6103
818.382.6102
818.382.6114
818.382.2030
Prior Acts is available
Incident reporting
Sexual Misconduct/Molestation coverage available by endorsement
Defense Outside the Limits is available by endorsement
Up to $250,000 sub-limit for MEDEFENSE Plus™ (includes HIPAA violations)
Hired and Non-Owned Auto is available
Up to $1M sub-limit for e-MD™ Cyber Liability (includes data breach response)
Reputational Harm and Evacuation Expense are available by endorsement
Punitive Damages are covered, where insurable by law
Disciplinary Proceedings coverage available by endorsement
13
Non-Standard Physicians Professional Liability (Claims Made)
Professional Liability coverage for physicians and surgeons who have had claims frequency or severity issues, board
actions or have been, or are currently on, probation.
Ancillary Providers The following providers may also be included as additional insureds:
Physician Assistants
Registered Nurses
Registered Nurse Practitioners
Technicians
Psychologists
Certified Registered Nurse Anesthetists
Physical Therapists
Limits Available Up to $1,000,000 each claim / $3,000,000 aggregate
Minimum Deductible $2,500 for non-surgical specialties
$7,500 for surgical specialties
Special Features
Defense in addition to the limits for an additional premium
1-year and 5-year ERP options
Incident reporting
Will consider groups up to five
Retro Coverage Limited prior acts coverage available
Ineligible Specialties Obstetrics
Bariatric Surgeons
Dentists
Ineligible States Connecticut, Illinois, Pennsylvania, West Virginia, New York, Wisconsin, Kansas
Ineligible Counties Clark County, Nevada
Wayne County, Michigan
Zapata, Starr, Hidalgo and Cameron Counties, Texas
Brian Alva
Nick Gonzalez
Vice President
Senior Underwriter
818.382.6103
818.382.6114
14
Government Recall Covers losses in the event that an insured product is included in a
recall ordered by a Government agency
Adverse Publicity Covers losses in the event a recall is triggered by the reporting of an
actual or alleged Accidental Contamination or Malicious Tampering in local, regional,
or national media, where an insured is specifically named
Customer Loss of Gross Profit Covers the loss of Customer Gross Profit incurred by a
direct customer of the Insured
Product Rehabilitation Covers losses in sales and marketing incurred to re-establish
the sales level and market share of product affected by an event
Product Recall Contaminated Products Insurance
In the event of a recall due to product contamination, we will cover losses associated with pre-recall expenses, recall expenses,
third party recall expenses, loss of gross profit, product rehabilitation expense, increased cost of working and product extortion
demands. To trigger coverage, the contaminated product must lead to symptoms of bodily injury, sickness, disease or death, or
physical damage or destruction of tangible property.
Product Highlights
Limits Available $10,000,000 Each Claim (Available in all states)
$10,000,000 Aggregate (Available in all states)
Additional Coverages
Ineligible Classes Defective Products, Batteries, Children’s Accessories, Computer Components, Industrial
Machinery, Chemicals, including paints
Eligible Classes Food & Beverages for Human Consumption, Food & Beverage for Pet Consumption, Non-
Ingestibles and Non-Topicals, Nutraceuticals, Pharmaceuticals
Brian Alva
Matthew Thoburn
Kevin Lubin
Vice President
Assistant Vice President
Associate Underwriter
818.382.6105
818.382.6102
818.382.2030 x318
Accidental Contamination - Any accidental or
unintentional error in the manufacture, production,
processing, preparation, blending, mixing,
compounding, packing or labeling of products
o The introduction of contaminated or
unsuitable components into products
o Error in the storage or distribution of any
product
Malicious Tampering - Malicious or wrongful
alteration or contamination of a product by any
person, rendering a product unfit or dangerous for its
intended use or consumption (or to create such an
impression)
Product Extortion - Any threat, or connected series
of threats, to commit Malicious Tampering, for the
purpose of demanding ransom monies
(Available in all states)
15
Sexual Misconduct & Molestation Liability (Claims Made)
In today’s increasingly litigious environment, more and more companies are being contractually required to carry limits
of sexual misconduct and molestation insurance never before needed. These companies need an innovative insurance
product that provides the required coverage for their exposure. Sexual Misconduct & Molestation Liability Insurance is
designed to assist these entities fulfill their insurance needs.
Policy Highlights
Eligible Classes Include, but are not limited to, the following:
Healthcare Facilities/Providers
Tutoring Companies
Bus Transportation
Non-emergency medical transport
Contract Workers on college and university campuses
Janitors working on school campuses
Engineering Companies
Cafeteria Food Service Vendors
Airport Transportation
Leased County Facilities requiring coverage
Museums
Limits Available Up to $2 Million with higher limits available upon request
Minimum Deductible $5,000
Minimum Premium $5,000
Available in All States
Brian Alva
Kareen Boyadjian
Tim Troncoso
Justin Sanches
Vice President
Senior Underwriter
Underwriter
Associate Underwriter
818.382.6103
818.382.6106
818.479.4306
818.479.4303
Negligent hiring, employment, training, investigation and retention or failure to report
employees who commit acts of sexual misconduct or molestation
Worldwide coverage – claims can be brought outside the U.S.
Broad definition of Insured Persons includes executive officers, directors, trustees,
employees, contractors, coaches and volunteers
Duty to defend and pay on behalf wording
Extended Reporting Period is available
Prior acts available
Reputational Harm coverage is available by endorsement.
Punitive Damages may be included via endorsement where insurable by law
16
Social Services Professional & General Liability (Claims Made)
Eligibility Eligible classes include, but are not limited to, the following:
Adult Day Care Alcohol & Drug Rehab
Centers (including Methadone Treatment)
Sober Living Homes Employee Assistance Family Counseling Group Homes Hotlines
Meals on Wheels Mental Health Facilities &
Services Physical/Developmental
Disability Facilities Referral Agencies Respite Care Shelters Transitional Living Facilities
Psychiatric Care Mentoring Programs Guardianship Services Day Schools for
Developmentally Disabled Case Management Services Life Skills Training
Limits Available Stand-alone Professional
$5,000,000 each claim / $5,000,000 aggregate
Combo – Professional & General Liability
$5,000,000 Professional Liability limit
$5,000,000 Commercial General Liability limit
$5,000,000 Products/Completed Operations limit
$5,000,000 Personal & Advertising Injury limit
$5,000 Medical Expense limit
$50,000 Fire Legal Liability limit
Excess Liability – Professional & General Liability –
We can write up to $5M excess over other carrier’s Social Service PL/GL. Special Features
Minimum Premium $1,500
Minimum Deductible $0
Ineligible Classes Foster Care Exposures, Adoption Agencies, Juevenile Detention Centers
Ineligible States Alaska, Florida (Dade/Palm & Broward Counties), West Virginia
Brian Alva
Matthew Thoburn
Justin Sanches
Vice President
Assistant Vice President
Associate Underwriter
818.382.6103
818.382.6102
818.479.4303
GL Occurrence now available
Incident reporting
Hired/Non-owned Auto coverage available up to $1,000,000/$1,000,000 limit
Sexual Misconduct/Molestation coverage available up to the limit by endorsement.
$2,000,000/$2,000,000 limit available when required by contract.
Coverage for Employed Psychiatrists is available
Coverage for Medical Director administrative duties available upon request
Up to $250,000 MEDEFENSE™ Plus sub-limit
Up to $1,000,000 e-MD™ Cyber Liability sub-limit
First Dollar Defense coverage available
Employee Benefits Liability available
Up to $50,000 Sub-Limit available for Evacuation Expense
Defense Outside the Limit available up to the limit
17
Tenant Discrimination Insurance (Claims Made)
NAS offers legal expense and loss reimbursement coverage for lawsuits against property managers and owners alleging
discrimination from prospective, current and former tenants.
Exposures: Fair housing laws and Americans with Disabilities Act (ADA)
Limits Available $100,000 to $1,000,000
Minimum SIR $5,000
Minimum Premium $2,035 for $1,000,000 limit
Special Features
Full Prior Acts coverage is available
Insured’s choice of counsel
No charge to add locations mid-term
Coverage extended to residential properties, including boat slips and apartments
Coverage extended to commercial properties, including retail, office and industrial
properties
Extended Reporting Period is available
Worldwide coverage – claims can be brought outside the U.S.
Nationwide availability
Can be combined with E&O
Preferred Classes Available to residential, commercial and industrial property managers and owners
Ineligible Classes Religious organizations, franchise restaurants, mobile home parks, community or
association
Brian Alva
Vanessa Poma
Josh Dizon
Vice President
Underwriter
Associate Underwriter
818.382.6103
818.479.4304
818.479.4302
20
Cyber Liability Insurance
Cyber Innovation, Leadership and Expertise for 20+ Years
NAS has been at the forefront of cyber liability insurance for over twenty years, having led the development of privacy protection insurance in the healthcare industry. Today, we insure thousands of companies and our in-house claims experts handle hundreds of cyber incidents each year across a range of financial services, retail, hospitality, educational, and governmental organizations. NAS offers cyber liability solutions for a broad range of businesses. Our e-MD™ Cyber Liability is custom-tailored for healthcare organizations. Our NetGuard Plus™ provides comprehensive coverage for businesses in every sector. The following pages provide a summary of our cyber liabiity insurance solutions including:
Insurance Coverage
Cyber Risk Management
Breach Response & Claims Handling
Risk Scenarios NetGuard™ Plus and our e-MD™ Cyber programs are comprised of 8 core components:
Network Security & Privacy Insurance – Covers third party claims arising out of a breach of the
insured’s Network Security or other private information. Includes coverage for both online and
offline information, virus attacks, denial of service, and failure to prevent transmission of malicious
code.
Privacy Breach Response Costs – Includes all reasonable legal, public relations, advertising, IT
forensic, call center, credit monitoring, identity theft restoration and postage expenses incurred by
the insured in response to a privacy breach.
BrandGuard™ - Coverage for lost revenue as a result of a cyber breach and the resulting customer
notification or adverse media.
Network Asset Protection (including Non-physical Business Interruption) – Coverage for all reasonable
and necessary sums required to recover and/or replace data that is compromised, damaged, lost,
erased or corrupted. Coverage also includes business interruption and extra expense coverage for
income loss as a result of the total or partial interruption of the insured’s computer system.
Regulatory Defense & Penalties – Coverage for defense costs and fines/penalties for violations of
privacy regulations, including, but not limited to, HIPAA, Red Flags Rule, and the Hi-Tech Act.
Multimedia Insurance – Coverage for both online and offline media, including claims alleging
copyright/trademark infringement, libel/slander, plagiarism, and personal injury.
Cyber Extortion - Will pay extortion expenses and extortion monies as a direct result of a credible
cyber extortion threat.
Cyber Terrorism - Coverage for income loss and interruption expenses as a result of the total or
partial interruption of the insured’s computer system due to a cyber terrorism attack.
BrandGuard™ from NAS Insurance gives you breach response, plus coverage for a loss in profits during recovery. Calculate the direct costs of IT forensic investigations, patient notification, the legal expenses and government fines. Then add in the indirect costs of losing customers, a damaged reputation and a hit to profitability. If your insurance only handles the breach, you’re not getting full cyber coverage. BrandGuard™ protects your profits while you restore your business and your reputation.
22
Incident preparedness, response and business restoration
NASprovides more than a robust insurance policy. Our team of expert professional service providers are available to help you and your organization:
Mitigate data and privacy risks
Prepare an incident responde plan
Recover from a data breach or privacy incident
Restore your customers and employees trust
We are all working together with one focus – getting you back in business quickly. The following provides an overview of each of the 6 key cyber services you can rely on as part of your NAS Cyber Liability policy.
Risk Management
Legal Services
Data Security & Forensics
Customer Notification
Credit Monitoring
Corporate Communications
25
Cyber Liability - NetGuard™ Plus
NAS offers a comprehensive suite of data security and privacy insurance solutions that are custom-tailored for your business.
Unlike other cyber policies, NAS’ cyber liability provides a range of coverage options with flexibility to fit your clients’ unique
needs, including:
Liability Limit up to $15,000,000 / $15,000,000
Minimum Deductible of $500
Minimum Premium of $750
Breach Response Costs are outside the limit
BrandGuard™ for a loss in profits as a result of negative press or customer notification resulting from a data breach
Coverage for Voluntary Notification costs is included
Dependent Business Interruption coverage offers reimbursement for lost revenue incurred as a result of a third party
vendors’ system being down
Full prior acts available
Unlimited Premium Access to NAS’ Data Security Risk Management Website
Network Asset Protection’s policy trigger includes accidental damage or destruction, system failure, administrative and
operational mistakes, as well as computer crimes and attacks
Worldwide coverage – claims can be brought outside of the U.S.
Commercial and corporate confidential information is covered
Acts committed by rogue employees are covered, as well as privacy claims from employees
Multimedia coverage includes liability assumed under contract
Extended Reporting Period available up to 3 years
Cyber Crime coverage for wire transfer fraud losses, telephone fraud losses, and social engineering expenses.
Eligible classes include but
not limited to:
Available on NAS ONLINE
Healthcare
E-Commerce
Brick & Mortar Retailers
K-12th
Grade
Auto Dealerships
Utilities
Staffing
Associations
Financial
Insurance Agents
Genevieve Alexander
Claude Ronnell
Jared Hopkins
Mike Karbassi
Ari Giller
Jordan Rankell
Tina Porcelli
Vice President
Vice President, Midwest
Assistant Vice President
Assistant Vice President
Senior Underwriter
Senior Underwriter
Underwriter
818.808.4463
312.474.6422
404.991.8989
617.342.7416
818.382.6107
818.479.4305
818.479.4301
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Cyber Self-Raters
NAS’ Cyber Liability Program self-raters are simplified applications with easy to look up charts that provide annual
premiums for cyber liability coverage based on a specific class of business.
Classes that meet the program qualifications can simply complete our cyber liability program self-rater and send it in with
a bind report. Below is a list of cyber liability self-raters we have available.
Cyber liability program self-raters include:
Securities Brokers & Dealers
Accountants and CPAs
Lawyers
Insurance Agents
Auto Dealers
Restaurants
General Contractors
Pharmacies
Property Managers & HOAs
Schools, grades K-12
If you have another class of business for which you need a custom solution, let us know and we’ll build a complete
program.
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e-MD™ Healthcare Cyber Liability
e-MD™ is insurance protection designed for the Network Security & Privacy related exposures faced by healthcare
professionals and now offers the option of pricing based on the number of patient records to be covered in the event
of a breach.
Coverage options include:
Network Security & Privacy Liability – Coverage of 3rd
party claims for damages due to exposure of online and offline
information, virus attacks, denial of service and failure to prevent transmission of malicious code. Also extends
coverage for defense costs and fines/penalties for violations of privacy regulations including, but not limited to
HIPAA, Red Flag Rules and the new Hi-Tech Act.
Privacy Breach Responses Costs, Customer Notification Expenses, Customer Support and Credit Monitoring
Expenses – Includes all reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and
postage expenses incurred by the insured for a privacy breach response.
Regulatory Defense and Penalties - Coverage for defense costs and fines/penalties for violations of privacy regulations
including, but not limited to, HIPAA, Red Flags Rule and the Hi-Tech Act.
Network Asset Protection – Coverage for all reasonable and necessary sums required to recover and/or replace data
that is compromised, damaged, lost, erased or corrupted. Coverage also includes business interruption and extra
expense coverage for income loss as a result of the total or partial interruption of the insured’s computer system.
Includes coverage for cyber terrorism.
Multimedia Insurance - Coverage for both online and offline media, including claims alleging copyright/trademark
infringement, libel/slander and personal injury.
Cyber Extortion – Will pay extortion expenses and extortion monies as a direct result of a credible cyber extortion
threat.
Cyber Terrorism – Coverage for income loss and interruption expenses as a result of the total or partial interruption of
the insured’s computer system due to a cyber terrorism attack.
BrandGuard™ – Provides coverage for a loss in profits as a result of negative press or customer notification resulting
from a data breach.
Eligibility Classes include any healthcare entity, such as the following:
Clinics Managed Care
Hospitals Medical Groups
Individual Physicians Surgery Centers and other facilities
Limits Available Up to $5,000,000 each claim / $5,000,000 aggregate
Minimum Premium $750
Available on NAS ONLINE
Brian Alva
Kareen Boyadjian
Nick Gonzalez
Tim Troncoso
Vice President
Senior Underwriter
Senior Underwriter
Underwriter
818.382.6103
818.382.6106
818.382.6114
818.479.4306
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Technology E&O - TechGuard™ (Claims Made and Reported Basis)
In today’s increasingly digitized world, technology companies need an innovative insurance product that provides the
broadest coverage for their complex and constantly evolving exposures. NAS’ TechGuard™ product is our most
expansive tech policy to date and is designed to be the one stop shop for a tech company’s E&O insurance needs.
Furthermore, our program is backed by Lloyd’s of London — an A rated (excellent) company by AM Best — so you
won’t have to worry about the protection being there when you need it the most.
Coverage Component Options Include:
Technology Errors & Omissions Insurance – Coverage for third party claims alleging a financial loss as a result of an
error or omission committed by the insured in the provision of Technology Services. Featuring a broad open-ended
definition of Technology Services. Coverage for unintentional breach of contract is included.
Network Security & Privacy Insurance – Includes coverage for both online and offline information, virus attacks,
denial of service and failure to prevent transmission of malicious code. Also extends coverage for defense costs and
fines & penalties for violations of privacy regulations including but not limited to HIPAA, Red Flag Rules and the
new Hi-Tech Act.
Multimedia Insurance – Coverage for both online and offline media. Includes claims alleging copyright/ trademark
infringement, libel/slander, advertising, false advertising, plagiarism and personal injury. Coverage for unintentional
breach of contract is included.
Privacy Breach Responses Costs, Customer Notification Expenses, Customer Support and Credit Monitoring
Expenses – Includes all reasonable legal, public relations, advertising, IT forensic, call center, credit monitoring and
postage expenses incurred by the insured for a privacy breach response.
BrandGuard™ – Provides additional coverage to bridge a short-term drop in revenue as a result of negative press or
customer notification resulting from a data breach.
Dependent Business Interruption (DBI) – Coverage offers reimbursement for lost revenue incurred as a result of a
third party vendor’s system being down.
Network Asset Protection – Coverage for all reasonable and necessary sums required to recover and/or replace data
that is compromised, damaged, lost, erased or corrupted. Coverage also includes business interruption and extra
expense coverage for income loss as a result of the total or partial interruption of the insured’s computer system.
Includes coverage for cyber terrorism.
Cyber Extortion – Will pay extortion expenses and extortion monies as a direct result of a credible cyber extortion
threat.
Eligible Classes but not limited to:
Application Service Providers
Technology Consulting
Tech Hardware Manufacturers
Telecommunication Services
Software Development
Network Design, Analysis & Testing
Web Hosting
Internet Service Providers
Tech Project Management
Online Marketing & Advertising
Data Processing & Management
Technology Staffing Companies
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Technology E&O – TechGuard™ Policy Highlights
NAS offers a comprehensive suite of data security and privacy insurance solutions that are custom-tailored for your business.
Unlike other cyber policies, NAS’ cyber liability provides a range of coverage options with flexibility to fit your clients’ unique
needs, including:
Worldwide coverage – claims can be brought outside of the U.S.
Full Limits are available for Regulatory Defense of a privacy claim
Property Damage exclusion does not include electronic data
Final Adjudication language for Defense for allegations of fraud or intentional wrongdoing
Broad definition of technology services – “including but not limited to” language
Acts committed by rogue employees are covered, as are claims from employees against the insured for breach of privacy
Defense Outside the Limits and First Dollar Defense enhancements are now available
Unintentional Breach of Contract claims are covered for both Technology E&O and Multimedia
Full prior acts available
Extended Reporting Period is available up to 3 years, but additional coverage may be available upon request.
Enhance BrandGuard™ for Tech
Dependent Business Interruption coverage offers reimbursement for lost revenue incurred as a result of a third party
vendors’ system being down
Limits Available Up to $10,000,000 / $10,000,000
Minimum Retention $1,000 per claim
Minimum Premium $1,500
Available in All States
Genevieve Alexander
Claude Ronell
Jared Hopkins
Mike Karbassi
Jordan Rankell
Ari Giller
Tina Porcelli
Vice President
Vice President, Midwest
Assistant Vice President
Assistant Vice President
Senior Underwriter
Senior Underwriter
Underwriter
818.808.4463
312.474.6422
404.991.8989
617.342.7416
818.479.4305
818.382.6107
818.479.4301
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NAS Insurance
Company Directory
EXECUTIVE
Edward Robin Chairman [email protected] 818.808.4488
Richard Robin Chief Executive Officer [email protected] 818.808.4477
David Lloyd Chief Operating Officer [email protected] 818.808.4466
MARKETING
Jeremy Barnett Senior Vice President [email protected] 818.382.6116
UNDERWRITING
SPECIALTY INSURANCE
Chris Reese Vice President, Director [email protected] 760.505.4312
Brian Alva Vice President [email protected] 818.382.6103
Anita Bryant Assistant Vice President [email protected] 818.808.4474
Matthew Thoburn Assistant Vice President, Social
Services & LTC
[email protected] 818.382.6102
Kareen Boyadjian Senior Underwriter [email protected] 818.382.6106
Nick Gonzalez Senior Underwriter [email protected] 818.382.6114
Gil Cujcuj Underwriter [email protected]
818.808.4479
Rika Sata Underwriter [email protected] 818.382.6100
Tim Troncoso Underwriter [email protected] 818.479.4306
TECH & CYBER
SOLUTIONS
Michael Palotay Senior Vice President [email protected] 818.808.4476
Genevieve Alexander Vice President, West Coast
Regional Manager
[email protected] 818.808.4463
Claude Ronnel Vice President, Midwest
Regional Manager
[email protected] 312.474.6422
Mike Karbassi Assistant Vice President,
Northeast Regional Manager
[email protected] 617.342.7416
Jared Hopkins Assistant Vice President,
Southeast Regional Manager
[email protected] 404.991.8989
Desiree Khoury Assistant Vice President [email protected]
818.808.4465
Jordan Rankell Senior Underwriter [email protected] 818.479.4305
Ari Giller Senior Underwriter [email protected] 818.382.6107
ADMINISTRATION
Mike Sing Senior Vice President,
Accounting & Finance
[email protected] 818.382.2030
Phil Rajewski Vice President, Technology [email protected] 818.808.4487
Kelly McMahon Assistant Vice President,
Compliance & Policy Services
[email protected] 818.808.4471