1. November 6, 2013 BioUtah Summit 2013

2. Insurance 101 and Risk Management Keys for Life Science and Medical Device Companies What does insurance really do for my company? Property and Casualty Insurance, Life Insurance, Employee Benefits Protect balance sheet and personal assets of Directors and Officers Compliance Currency to do business What do I need to know to get started? Selecting an insurance agent / broker Deciding on which insurance carrier is the appropriate fit for my company Premium, rate and exposure basis Coverage terms, special policy forms International capabilities Building a Scalable Insurance Program for a Life Science Company

3. PROPERTY Blanket Limits CHUBB $ 4,000,000 Blanket Limits: Bldg /BPP /EDP Worldwide UMBRELLA CHUBB $5,000,000 Limit $0 Retention PRODUCT LIABILITY / CLINICAL TRIALS CHUBB $ 2M Limit $ 1K Deductible $ 10K Deductible Retentions $500K /$250K CRIME ERISA Bond CHUBB $500K Limit General Liability $ 2M Limit Employee Benefit Liability $ 1M Limit Auto Liability $ 1M Limit WORKERS COMP WCF Statutory Limits $ 5K Deductible Sample Coverage Summary for Life Science Company Employers Liability $1M Limit DIRECTOR & OFFICER LIABILITY EMPLOYMENT PRACTICES FIDUCIARY AIG $5M Limit $4M Limit $500K Limit $2M LimitStatutory Limit $5M Limit

4. Technology - Life Science - Clean Tech - Capital Provider- Insuring Innovation Web developers, network hosting, SAS, alternative media, data security Pharmaceutical, Biopharma, Med Tech, Med Device, CRO/CMO, Labs Renewable energy, recyclers, green transportation, greywater, green construction Venture capital firms, private equity, angel investors, tech based lenders, business incubators

5. Experts in Life Science all types of life science organizations… CRO’s, MRO’s, Pharmaceuticals, BioPharma, Med Tech, Medical Device, manufacturers and distributors… at all stages of development… start-ups, incubators, R&D, pre-product, venture backed, private equity, IPO, public, foreign and domestic… through very specialized issues… clinical trials, IP protection, GMP, worldwide coverage, investor liability, supply chain disruption… Practical experience working with…

6. Diversified Insurance Group Contact Information Spence Hoole, ARM, CIC Managing Partner Diversified Insurance Group Tel: 801.325.5050 diversifiedinsurance.com shoole@diversifiedinsurance.com 6