WIXLIB

Chubb North AmericaMajor AccountsBusiness Descriptor

ContentsChubb North America Major Accounts03Core Coverages and Services04Specialty Coverages07Industry Practices08Claims08Technology09Service09Middle Market & Small Business Capabilities10

Core Coverages & ServicesWe offer a full range of property, casualty, accident and health, risk management, and claims handling solutions.Accident & HealthCore LinesEnvironmentalBecause getting the best value for eachinsurance dollar is important to ourclients, we are driven to consistentlydeliver innovative accident and healthinsurance programs to meet the uniqueneeds of today’s market. With our stronginternational network, local expertise,financial security, and industry leadingtechnology, Chubb offers customsolutions that are distinctive within themarketplace.–– Domestic Primary Casualty: Workers’Compensation, General Liability, Automobile LiabilityChubb provides a broad range of globalenvironmental liability solutions, fromtraditional policies for simple operationalexposures to custom programs designedspecifically for complex liability relief orM&A transactions. We are a full serviceenvironmental carrier supported byengineering, loss control and claimsexpertise. Our environmental riskproducts are seamlessly integrated withall of Chubb’s industry practices andproduct lines and are available on a globalbasis.–– Multinational Corporate TravelAccident and Sickness Programs–– Foreign Casualty: Advantage Package,Controlled Master and Cash FlowProgramsSpecialty Products–– Chubb Alternative Risk Solutions–– Loss Portfolio Transfers–– Prospective Deductible Buybacks–– Alternative Risk Structured Products–– Global Scholastic Travel Accident andSickness Programs–– Excess Workers’ Compensation–– Participant Accident Programs forDomestic and International Risks–– Clash Policies–– Captive Reinsurance Programs–– Occupational Accident and ContingentEmployer Liability Products–– Defense Base Act Programs–– Supplemental Accident and SicknessProducts for Employers and AffinityMarketsIndustry Solutions–– Traditional Energy–– Mergers & AcquisitionsChubb Global CasualtyWe offer a wide range of unique casualtyinsurance and risk financing productsdesigned to respond to the needs oflarge U.S. and Canadian multinationalcompanies in almost every industry.Bringing together our domestic andinternational underwriting, claims,actuarial, legal, and credit professionals,we provide our clients with customizedprograms that most effectively managetheir risks on a global basis.4–– TransportationCommercial MarineWith a heritage dating back more than200 years and our recognized financialstrength, Chubb has the industryknowledge, underwriting expertise, andsuite of specialized coverages to provide afull spectrum of solutions for worldwidetransportation and commercial marineexposures. We deliver tailored insuranceservices for shippers, vessel builders,and marine facility owners, includingmultinational logistics providers withassets in ports worldwide and nationalboat manufacturers.–– Premises Pollution Liability Products –with industry-specific focus for RealEstate, Healthcare, Public Entity,Agriculture and Tank Exposures–– Contractor Pollution Liability – Blanketor Project Policies for Environmentaland Non-Environmental Contractorswith Professional Liability availableErrors & Omissions/ProfessionalLiabilityChubb offers a full suite of professionalliability and network risk products inmore than 150 industry classes. Fromauctioneers to zoological consultants,we have solutions specifically designedto meet the needs of most businesses.–– Professional Liability Products–– Multimedia Liability Policy–– Public Entity Products

Management LiabilityOur management liability products,supported by a dedicated, experiencedunderwriting team, provide clients withthe risk protection they need. In addition,directors and officers liability clients cangain expert securities litigation defensethrough Chubb’s Preferred SecuritiesPanel. Customized solutions are availablefor public and private organizations aswell as financial institutions.–– Directors & Officers (D&O) LiabilityInsurance–– Employment Practices Liability (EPL)–– Fiduciary Liability Insurance–– General Partnership Liability Insurance–– Fidelity and Crime InsurancePrivacy & Network SecurityToday, every organization usestechnology as a means of delivering itsproducts or services — making protectionof sensitive information a critical issue.A breach of data can bring irreparabledamage to a company’s reputation andbalance sheet. Chubb understands today’srisks and has developed a thorough riskmanagement insurance program forprivacy and network security risks.–– Privacy Liability Products–– Professional Liability Products forTechnology–– Network Security and Privacy RiskExposure Products–– Global Cyber Facility that incorporatesbroad risk management solutions intoa single policy purchase offering up to 100 million in primary capacity–– Chubb’s Data Breach Team and DataBreach Coach — a distinctive offeringdesigned to respond appropriately andefficiently to data breach incidentsPropertyChubb offers thoughtful risk managementsolutions to meet the property insuranceneeds of large U.S. and Canadianbased multinational organizations. Wespecialize in sophisticated programdesign and underwriting, as well ascustomized loss control engineeringsolutions on a global scale. We are arecognized leader in tailoring solutionsto meet catastrophe risk exposures,helping businesses insure against a widerange of loss or damage derived fromnatural catastrophes, including floods,hurricanes and earthquakes.–– Property Products–– Complex Multinational PropertyPrograms–– Specialty CAT Unit–– Global Fronting Capabilities5

Chubb NorthAmerica hasextensiveexpertise in globalunderwriting,regulation,loss assessmentand mitigation,and claimshandling.SuretyESISFor more than 130 years, Chubb has metthe bonding requirements of contractors,manufacturers, financial institutions,and other commercial public and privateenterprises of all sizes, often spanninggenerations. We have an extensive branchnetwork and well-developed capabilitiesto issue bonds in North America andthroughout many countries in Europe,Central and South America, and the Asia/Pacific region. Most importantly, we areknown for taking the time to get to knowthe inner dynamics of every customer,from their management team to theirbusiness plan. We are committed tobuilding close, confidential relationshipswith our clients.ESIS, Inc., our risk management servicescompany, provides a wide range of claimsmanagement and loss control productsand services. Organized in 1953, ESISmaintains an outcomes-based cultureand offers programs that are thorough,customized and carefully designed forrisk managers seeking a high level ofcontrol over their program results.–– Commercial Surety–– Contract Surety–– International SuretyUmbrella and Excess CasualtyChubb is a leading provider of worldwideumbrella and excess coverage. Ourcoverages are designed to manage a broadspectrum of exposures for large corporateentities and the energy industry. We offerlimits of up to 50 million in capacityfor Major Accounts and the issuance oflocal admitted policies for internationalexposures.Our suite of offerings, which are availableon a bundled or unbundled basis onChubb insurance coverage products,includes:–– Workers compensation and liabilityclaims management–– ESIS Medical ImpactSM – our distinctivesuite of medical programs–– ESIS SphericalSM - Integrated DisabilityManagement Solution–– Professional and product liabilityclaims services–– Telemedicine–– Global claims services–– Catastrophe claims services–– Health, Safety and Environmentalservices–– Data Analytics and Strategic Outcomes–– Global risk management informationsystems (RMIS)–– Catastrophe Management–– Dedicated Coverages for Construction,Energy, Real Estate and Hospitality,and Utilities6Design. Integrate. Achieve.What matters to you matters to us.Our collaborative approach to designand integrate a customized programcombined with our ongoing pursuit ofexcellence, gives ESIS the power to helpour clients achieve their risk managementgoals.

Specialty CoveragesWe offer the following specialty coverages for companies that face risks which may arise due to special circumstances or that aresimply situational in nature.Builders’ RiskRecognized for our expertise andstability, as well as leadership in tailoringsolutions to address catastrophe riskexposures, including floods, hurricanesand earthquakes, we offer tailored riskmanagement solutions, with limits upto 650 million, to meet the builders’risk insurance needs of large U.S. andCanadian-based clients engaged inconstruction. Our specialized teamof underwriters, supported by riskengineering professionals, developcustomized solutions for each clientin a variety of program structures. Weaddress both property damage and delayin opening financial exposures that ourclients face on construction projects.Contingent LiabilityThe allocation of liabilities for identifiedcontingent risks is typically heavilynegotiated between parties. Theseexposures are often the subject ofpurchase price negotiations, specificindemnities and/or escrow arrangements.Chubb’s Contingent Liability Insuranceprovides coverage within the contextof the transaction. Our coverage mayeliminate or effectively mitigate theparties’ exposures to these risks —enabling the transaction to close morequickly, without either party assumingundue risks, or limiting or impairing thesales proceeds from the transaction.Construction - Contractor ControlledInsurance Programs, OwnerControlled Insurance Programs,Maintenance WrapsChubb Construction specializes in multiyear Owner Controlled and ContractorControlled insurance programs toaddress the risks inherent in constructionprojects. These range from standalone projects and rolling programswith multiple projects, to large plantmaintenance wrap-ups.Defense Base ActChubb Defense Base Act (DBA) Programoffers statutory workers compensationfor U.S.-based prime contractors and subcontractors that perform work overseasunder contracts authorized, approvedor financed by the U.S. government orany agency thereof. Our DBA coverage,together with optional kidnap andextortion coverage, and options for riskcontrol services, provide a robust singlesource solution.Kidnap & ExtortionChubb protects companies with avaluable combination of incidentprevention and response resources, alongwith insurance that offers protection fromthe impact of costly ransom and expensepayments.Loss Portfolio Transfers and Close-OutsWe offer solutions to insureds seekingalternatives to expensive or burdensomecollateral requirements, as well as closeout options for existing clients and clientsseeking to escape ongoing self-insured ordeductible liabilities.Prospective Deductible BuybacksChubb’s Prospective DeductibleReimbursement product is designedexclusively for primary casualty buyersseeking an alternative to the traditionalincurred loss retrospective programor high deductible plan or that aretransitioning from a guaranteed cost plan.Representations & WarrantiesAvailable for either buyers and sellers ina transaction, Chubb’s Representationsand Warranties insurance providesprotection against financial losses inexcess of the retention, including costsassociated with defending claims, forcertain unintentional and unknownbreaches of the seller’s representationsand warranties made in the acquisitionor merger agreement.Tax IndemnityOur Tax Indemnity insurance enablestaxpayers to reduce or eliminate a knowncontingent tax exposure resulting fromthe tax treatment of a past transaction,investment or other legitimate businessactivity.76