Hiscox USA Overview The courage to pursue your vision with Hiscox Business Insurance.

Hiscox USA is focused on offering our broker partners expert underwriting across a wide range of products backed by quick, personalized service, superior claims handling, and an innovative approach to risk.

As we continue to grow our business, we are providing more underwriting support and expanding our appetite to include new solutions for larger and more complex risks.

At Hiscox, we are passionate about helping our broker partners succeed by delivering solutions to fit the risks their clients face. Without risk, nothing great can happen.

BUSINESS FOCUS ON APPETITE GROWTH

OUR FULL SUITE OF PRODUCTS INCLUDES:

HISCOX PRO™ SOLUTIONS Daccountants Dallied healthcare Darchitects and engineers Dgeneral liability Dmiscellaneous professional liability Dprivacy and data breach Dtechnology.

EXECUTIVE RISKS Dcrime and fidelity Dfinancial services Dkidnap and ransom Dmanagement liability.

MEDIA AND ENTERTAINMENT Dmedia liability Dentertainment production.

PROPERTY Dcommercial property Dterrorism.

SOLUTIONS FOR LARGER AND MORE COMPLEX RISKS

ACCOUNTANTSDNew product offering tailored specifically for CPA firms,

large and small.DCoverage includes comprehensive PL, along with the option

to include GL, crime, privacy, and cyber to support the complex and varied exposures accountants face.

ALLIED HEALTHCAREDCoverage for clients with evolving exposures affected by new

technology and regulations: protection for sexual misconduct, HIPAA liability, billing errors, crime, and non-healthcare privacy breaches. DFlexible stand-alone sexual abuse and misconduct coverage is offered for all professionals, including non-healthcare businesses, and can be packaged with GL.

ARCHITECTS AND ENGINEERSD

Targeted, industry specific policy forms for: architects, engineers, construction managers, contractors, and real estate developers. GL available, both on ccurrence and claims-made and reported forms, as stand-alone or packaged with PL.

CRIME AND FIDELITYDCrime coverage includes vendor theft, cyber deception,

and automatic coverage for subsidiaries. Covered employees include temporary and contract employees, interns, trustees, volunteers, directors and officers, and others. DFinancial institutions bond covers complex companies like broker-dealers, banks, and insurance companies.

Four-of-every-five victim organizations had fewer than 100 employees; just over half had fewer than 25 employees.

AVERAGE LOSS

$842,403 MEDIAN LOSS

$280,000*Source: The 2015 Hiscox Embezzlement Watchlist.

19%Percentage of matters that resulted in a defense and settlement payment.

81%Percentage of charges that resulted in no payment by the insurance company.

275 DAYSAverage duration of an employment matter.

FINANCIAL SERVICES DProducts that respond to today’s complex risks, including greater scrutiny, evolving regulation, and an increasingly litigious investment environment. DFlexibility with premium and self-insured retention levels that grow as a firm grows.

KIDNAP AND RANSOM DSupports the complex risks faced by private clients, as well as large and small companies with foreign locations and international travel requirements. DExpert response firm Control Risks provides information and support on preventing and responding to threats, with 24/7 crisis response service.

MANAGEMENT LIABILITY DAddresses risks faced by private companies and not-for-profit organizations. DUnderwriting appetite covers over two-thirds of all employer firms in the US.

$125,000Average total cost of claims that resulted in a defense and settlement payment.

*Source: The 2015 Hiscox Guide to Employee Lawsuits. Representative Hiscox claims data.

MISCELLANEOUS PROFESSIONAL LIABILITY DComprehensive coverage and package options, with primary appetite up to $1bn in revenues and excess appetite above $1bn. DTailor-made products for consultants, real estate professionals, trustees, associations, staffing services, analytical testing labs, and security services.

PRIVACY DCoverage includes full limits for PCI fines, penalties, and assessments, as well as the costs of breach response and affirmative breach of contract protection. DThought leadership and research provided to better inform brokers and insureds, such as the Hiscox PRO Privacy 101 reference guide.

TECHNOLOGY DBroad, affirmative breach of contract and intellectual property coverage to protect technology companies as they grow into the middle-market and beyond. DOptional modules for privacy liability, data breach costs, multimedia liability, first-party cyber exposure, or manuscript wording requests.

MOST COMMON TYPES OF BREACHES AND RELATED COSTS PER RECORD*

31%

44%

25%

$160

$246

$171

Malicious or criminal attackSystem glitchHuman error

*Source: Ponemon Institute LLC 2014 Cost of Data Breach Study and 2015 Hiscox Privacy 101.

"Encourage us to work harder for you. Encourage us to exceed your expectations. Encourage us to find a better way. But most of all, Encourage courage, because that's what we're doing at Hiscox."

Ben Walter, CEO Hiscox USA

Who we areHiscox is a leading specialist insurer with roots dating back to 1901. For more than 40 years, Hiscox has provided insurance to US businesses through Lloyd’s of London, and since 2006, we have expanded our local presence in the US. Our diverse portfolio includes property, professional liability, and specialty products like terrorism and kidnap and ransom, in which we have developed unrivaled expertise.

Our teams underwrite a range of routine to complex risks, are not hampered by convention, and provide flexible underwriting solutions to meet your clients’ evolving needs.

This broker communication is for preliminary informational purposes only. The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued. This information may not be used to modify any policy that might be issued. Coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA, which is licensed in all states. The products described are underwritten by Hiscox syndicates at Lloyd’s, London and are available only on a surplus lines basis through licensed surplus lines brokers. The publication and delivery of this information is not intended to be a solicitation by Lloyd’s for the purchase of insurance on any US risk. *Lloyd’s Syndicate 33 A.M. Best Rating as of July 24, 2014 and Lloyd’s Syndicate 3624 A.M. Best Rating as of July 24, 2014. 15152 05/16

San Francisco

Los Angeles

Dallas

Atlanta

Chicago

White Plains

New York

Office locations

Northwest 415 814 1455

Southwest 213 412 1210

www.hiscoxbroker.com/contact-us

Northeast 646 452 2353

Southeast 404 410 2800

Midwest 312 380 5555

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