1. 2 September 2015 Building Scalable Insurance Programs For Each Growth Stage of a Entrepreneurial Company

2. Basic Types of Business Insurance 2

3. Property and Casualty Life Insurance / Key Person Employee Benefits (Health and Disability)

4. Key Functions of Business Insurance 4

5. Claims Protect balance sheet Protect personal assets of Directors and Officers Compliance Statutory Workers Compensation Auto Liability Currency to do business Building and Equipment Leases / Debt and Loan Covenants Customer Contracts Ability to attract outside directors to sit on the board

6. Risk Exposures Facing Technology Companies 6

7. Property - EDP Equipment, Networks and Data Fire, vandalism, theft, earthquake, flood, etc. Product Liability and Errors & Omissions “Failure to Perform” resulting in a financial loss to customers Cyber Risk - First Party and Third Party Network Security – unauthorized access, transmission of virus of malicious code, theft/destruction of data, cyber extortion, business interruption Privacy – PII/PHI data exposed by hacker, lost device, rogue employee, physical records Media – Advertising & Personal Injury, infringement of Intellectual Property Intellectual Property Infringement of copyright, trademark, trade dress, patent International Key Person / Human Capital

8. Building Scalable Insurance Programs 8

9. Scalability - Key Questions When should a technology company secure Tech Errors & Omissions (E&O) and Cyber Risk insurance? What about the timing of purchasing Directors & Officers (D&O) insurance and what are the key things to look for? International Insurance - what does my company need to know about complying with local country insurance statutes? When should I consider the following insurance products? Employment Practices Liability (EPL) Kidnap & Ransom (K&R) Business Travel and Accident (BTA) Representations and Warranties Intellectual Property and Patent

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13. Diversified Insurance Group Contact Information Spence Hoole, ARM, CIC President / CEO Diversified Insurance Group Tel: 801.325.5050 diversifiedinsurance.com shoole@digrisk.com Kevin Hyer Account Executive Diversified Insurance Group Tel: 801.325.5030 diversifiedinsurance.com khyer@digrisk.com 13