provides so many outstanding advantages

2 What is Epack? Integrated, Modular Package of Management Liability Insurance Products:  Employment Practices Liability  Directors & Officers Liability  Entity Liability (Purchased along with D&O Liability)  Fiduciary Liability  Miscellaneous Professional Liability/Media Liability Serves the needs of small to mid-sized Private Companies

3 What’s Special about Epack?  Flexibility  Purchase one Coverage or any combination of coverages  Purchase shared limits or separate limits and/or retentions  Convenient coverage grid  Package format  The only modular policy with MPL  Broad definitions/State of the art policy language  Backed up by CNA Pro’s claims handling expertise  Admitted in 48 states (Non-Admitted States: Wyoming & Louisiana)

4 What’s New about Epack? Errors & Omissions/Professional Liability Consists of over 50 Preferred Areas of Practice  Miscellaneous Professional Liability consists of consultants, direct mail companies, collection agents, printers, franchisors.  Media Professional Liability consists of newspapers/magazine publishers, advertising agents, television and radio stations.  Technology/Telecom ranges from integrators, software developers, ISP’s, consultants and computer hardware manufacturers.

5 Enhancements to Epack Endorsements  HIPAA Covers up to $25,000 in civil penalties  Healthcare Coverage Extension Broadens definition of insured persons to include trustees, medical directors and volunteers Broadens definition of loss to include Internal Revenue Service fines and penalties, Excess Benefit Penalties, EMTALA, and defense costs for return of funds received as grant funds

6 Enhancements to Epack (continued) Endorsements  Partnership Coverage Extension Amends Epack to extend coverage to partnerships  Independent Contractors Extension Amends definition of Employee to include independent contractors  Consent to Settle Endorsement Adds allocation of defense and covered settlement amounts to 50/50, 70/30, or 80/20

7 Recent Enhancements to Epack (continued) Endorsements  Risk Mitigation Incentive Provides a 50% reduction in Insureds policy retention, up to $25,000 for Insureds that: a)demonstrate that they have established written policies or procedures on sexual harassment, discrimination and employee grievances or complaints; and b)Provide proof that all directors, officers and managers have completed outside training on sexual harassment within the last 18 months prior to filing a claim.

8 Advantages of using Epack on-line through CNA Central  Get Quick Indication or Quick Quote  Quote, Bind & Issue policies  48hr turn around on all referred submission  Policy & billing information look-up capabilities for issued policies  Higher Commission

9 Risk Management Services – HR Hotline Businesses that purchase Employment Practices Liability Insurance through CNA, receive the benefit of professional risk management consultation, through a Human Resource Hotline, at no additional charge. Areas that generate the most concern are:  Medical leave issues  Reductions in workforce  Allegations of unfair-treatment or harassment relating to gender discrimination  Employee discipline

10 Risk Management Services – AGOSNET TM AGOSNET TM, an interactive web based tool, allows CNA Insureds to develop state of the art employment practices and procedures. A menu of training and best practice tools designed to empower organizations in their efforts to properly manage their workplace and minimize incidents and litigation. This service is of particular value to Insureds in states such as California, Maine & Connecticut, where state laws require employers to provide a minimum amount of sexual harassment training for their supervisors and managers. Additional details can be accessed through the Risk Management Services – Employment Practices Liability section of