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Advanced Coverage for Evolving RiskSM

Advanced Coverage for Evolving RiskChubb Personal Insurance is proud to present Masterpiece 6.0, the next generation of our renowned Masterpiece coverages. A multi-line initiative, the 6.0 package is designedto help your clients more effectively manage evolving risk with new and enhanced automobile, homeowners, personal and excess liability, valuable articles, and MasterpieceFamily ProtectionSM coverages.The package includes four coverage “bundles.” In most jurisdictions, these bundles will be introduced with varying effective dates: Homeowners & Personal/Excess Liability Bundle – comprised of 12 coverage enhancements and two new coverages, including GreenWiseSM Utility Expenses coverage andWater Detection Expense coverage. Valuable Articles Bundle – includes an enhancement to Newly Acquired Jewelry coverage and the introduction of Fine Art Expenses coverage nationwide. Automobile Bundle – incorporates increased coverage for lost earnings under Defense coverage and an increased Optional Road Service coverage limit. This bundle isfrequently introduced with Masterpiece Collector Vehicle changes that are being implemented nationwide. Family Protection Bundle – encompasses three new coverages — Hijacking, Air Rage and Road Rage — as well as a new Home and Vehicle Modification Expensescoverage. Also includes an enhancement to Residential Security Expenses coverage.In states where the 6.0 package is introduced, each coverage component impacts multiple Masterpiece contracts. For an in-depth look, please refer to the following chart,which includes: A description of each change and where it resides within the contract A listing of impacted forms Old and new amount of coverage, as applicableTo Learn MoreFor more information and the latest updates regarding availability of new coverages and enhancements in your jurisdiction, please contact your personal lines underwriter ormarketing specialist.

Advanced Coverage for Evolving RiskRevisionSection of ContractContracts Affected Condominium Preference CoverageCooperative Preference Coverage1Deluxe Condominium CoverageDeluxe Cooperative CoverageDeluxe Renters CoverageStandard Condominium CoverageStandard Cooperative CoverageStandard Renters CoverageBroaden Additional Living Expenses. Fair rental value broadened to includeresidential “other permanent structures.” Remove forced evacuation requirement that acivil authority must prohibit use of the house.Add evacuation coverage for the reasonablethreat of loss, with no requirement of loss toa neighboring premises. Coverage is forincurred expenses. For homes under construction, coverage islimited to the amount of time required torestore the house to the condition prior to theloss, without the requirement that the insuredmust be living in or out of the house.Extra Coverages: Additional Living Expenses City Home House CoverageCondominium Preference Coverage1Cooperative Preference Coverage1Deluxe Condominium CoverageDeluxe Cooperative CoverageDeluxe House CoverageDeluxe Renters CoverageStandard Condominium CoverageStandard Cooperative CoverageStandard Renters CoverageVacation Home House CoverageIntroduce 5,000 as minimum amount forLand coverage.Extra Coverages: LandIncrease Landscaping limits and add anexception for brush and forestry.Extra Coverages: Landscaping, City GardenHOMEOWNERSBroaden Additions and Alterations coverageto include other owned permanent structures,regardless of condo/co-op association insurancerequirements.Extra Coverages: Additions and AlterationsOld AmountNew Amount Capped at 30% ofDwelling coveragefor Vacation Home. Unlimited in moststates.2No change. City Home House Coverage Deluxe House Coverage Vacation Home House Coverage10% of the amountof the covered loss. 5,000 or 10% of theamount of thecovered loss,whichever is greater. 5,000 pertree/shrub. 10,000 pertree/shrub.1City Home House CoverageCondominium Preference Coverage1Cooperative Preference Coverage1Deluxe Condominium CoverageDeluxe Cooperative CoverageDeluxe House CoverageDeluxe Renters CoverageStandard Condominium CoverageStandard Cooperative CoverageStandard Renters CoverageVacation Home House CoverageConfidential and proprietary information of Chubb & Son, a division of Federal Insurance Company.Do not distribute to anyone outside your office without express written permission from Chubb.N/AN/A

RevisionSection of ContractContracts Affected City Home House CoverageDeluxe Condominium CoverageDeluxe Cooperative CoverageDeluxe House CoverageDeluxe Renters CoverageStandard Condominium CoverageStandard Cooperative CoverageStandard Renters CoverageVacation Home House CoverageOld AmountEliminate the Business Property sub-limit foroff-premises electronic data processingequipment (EDP).Extra Coverages: Business Property City Home Contents CoverageCondominium Preference Coverage1Cooperative Preference Coverage1Deluxe Condominium CoverageDeluxe Contents CoverageDeluxe Cooperative CoverageDeluxe Renters CoverageFire Contents CoverageStandard Condominium CoverageStandard Contents CoverageStandard Cooperative CoverageStandard Renters Coverage 2,500 sub-limit for 25,000 for allBusiness Property.off-premises EDP. 10,000 sub-limitfor off-premisesEDP (Condo/Co-OpPreference only).Introduce Water Detection Expense coverage for Extra Coverages: Water Detection Expensethe reasonable cost of labor incurred to install awater leak detection and water shut-off systemfollowing a covered water damage loss of 10,000or more, prior to the application of the deductible. City Home House CoverageCondominium Preference Coverage1Cooperative Preference Coverage1Deluxe Condominium CoverageDeluxe Cooperative CoverageDeluxe House CoverageVacation Home House CoverageN/A 5,000Introduce GreenWise Utility Expenses toExtra Coverages: GreenWise Utility Expensesreimburse additional expenses incurred topurchase power from a utility while the home’ssolar, wind or geothermal power-generatingsystem is being repaired, or to purchase waterfrom a utility when an alternative water system isbeing repaired when any of these systems aredamaged or destroyed by a covered loss. Inaddition, the coverage will reimburse for lostincome usually received from a utility company,due to a loss to a solar, wind or geothermalsystem that provides excess energy purchased bythe utility. City Home House Coverage Deluxe House Coverage Vacation Home House CoverageN/A 50,000HOMEOWNERS (continued)Increase the limit for Lock Replacement.Extra Coverages: Lock ReplacementConfidential and proprietary information of Chubb & Son, a division of Federal Insurance Company.Do not distribute to anyone outside your office without express written permission from Chubb. 500New Amount 2,000

VALUABLE ARTICLESRevisionSection of ContractContracts AffectedOld AmountNew AmountRemove 50,000 limit for Newly AcquiredJewelry.Newly Acquired Valuable ArticlesValuable Articles Coverage25% of total itemizedcoverage for jewelry,up to 50,000.25% of total itemizedcoverage for jewelry.Introduce Fine Art Expenses coverage, including: Defective title3 to offset legal costs to defendtitle to a covered fine art and;Extra Coverages: Fine Art ExpensesValuable Articles CoverageN/A Works in progress to reimburse incurred coststhat cannot be recovered when an uncompletedwork of art is damaged or destroyed by a coveredperil or the artist dies before the work is completed. 100,000 peroccurrence/maximumper policy period.N/A 100,000 peroccurence.LIABILITY (Personal and Excess)RevisionSection of ContractContracts AffectedOld AmountNew AmountIncrease limit for lost earnings as a result ofLiability Defense and remove the per-diem limit.Defense Coverages Excess Liability Coverage Personal Liability Coverage 250 a day, up to 10,000. 50,000Eliminate sub-limit for lost earnings as a resultof Kidnapping.Extra Coverages: Kidnap ExpensesPersonal Liability Coverage 250 a day, up to 10,000.Total limit for KidnapExpenses remains 100,000, with nosub-limit.Increase limit for Medical Payments to Others.Extra Coverages: Medical Payments to OthersPersonal Liability Coverage 10,000 per person/per occurrence. 25,000 per person/per occurrence.Increase limit for Damaged Property and removetenant property exclusion.Extra Coverages: Damaged PropertyPersonal Liability Coverage 1,000 15,000Increase maximum amount of Identity Fraudcoverage. Eliminate sub-limits for lost earnings.Extra Coverages: Identity FraudPersonal Liability Coverage 25,000 peroccurrence. 250 a day for lostearnings, up to 10,000. 50,000 peroccurrence, with nosub-limit.Increase the number of residential staff permittedunder optional Employment Practices Liability. Extra Coverages: Employment PracticesLiability Extra Coverages: Condition for EmploymentPractices Liability Excess Liability Coverage Personal Liability CoverageResidential staffup to 5 individuals.Residential staffup to 12 individuals.AUTOSection of ContractContracts AffectedOld AmountNew AmountIncrease limit for optional Road Service coverage. Extra Coverages: Road Service Collector Vehicle Physical Damage Coverage Vehicle Physical Damage Coverage 75 150Increase limit for lost earnings as a result ofVehicle Liability and remove the per-diem limit.Vehicle Liability Coverage 250 a day,up to 10,000. 50,000RevisionDefense CoveragesConfidential and proprietary information of Chubb & Son, a division of Federal Insurance Company.Do not distribute to anyone outside your office without express written permission from Chubb.