ForeFront Portfolio for Not-for-Profit Organizations

1 ForeFront Portfolio for Not-for-Profit Organizations Five insurance coverages that can be tailored for your organization . For a Not-for-Profit organization , every suppliers, vendors, other Not-for-Profit dollar counts. The bottom line matters. Organizations , government agencies and creditors is free of risk. Any of Your organization 's success has a direct these could sue your organization impact on the recipients of services and or engage in criminal activity that the well-being of employees. could result in losses of hundreds of thousands of dollars. That's why you carefully consider every investment and expenditure. And it's why Your organization 's general liability you also have to carefully consider the and umbrella insurance may not financial impact of a sudden liability or cover the financial consequences crime-related loss.

2 Of litigation brought, or criminal activities perpetrated, by a long list of Even with a skilled and experienced team at constituents. the helm, your organization may encounter unanticipated threats or risks that, due to If you have separate insurance policies their complexity or nature, are better off from different insurers, you may also mitigated through insurance protection. have critical coverage gaps. The five coverages under ForeFront Portfolio for Not-for-Profit Organizations Why your organization needs are designed to work as standalone ForeFront PortfolioSM for Not-for- policies or seamlessly together in order Profit Organizations to minimize gaps, reduce overlaps in coverage, and evolve with your In today's litigious environment, no organization .

3 Business relationship including your dealings with donors, employees, customers or recipients of services, Fiduciary Liability Insurance The risk: A retiree or employee sues your organization and its plan fiduciaries for a breach in fiduciary duty. What the coverage does: Helps protect your organization , benefit plans, and its fiduciaries against exposures resulting from the administration and management of employee benefit plans. Crime Insurance The risk: No organization is immune to the potential losses of an embezzlement scheme carried out over a number of years. What the coverage does: Helps protect your organization from the potentially devastating costs of employee and Tailored protection for Not-for-Profit third-party theft.

4 With five optional Organizations coverage sections, Kidnap Ransom and Directors & Officers and Entity Extortion Insurance ForeFront Portfolio Liability Insurance The risk: An employee is kidnapped The risk: A donor, recipient of while traveling overseas, or a for Not-for-Profit your services, or other not-for- criminal attempts to extort money Organizations profit organization could sue your by threatening to damage your organization and its executives for organization 's property. affords you choice misrepresentation, breach of duty, What the coverage does: Helps or even an error. Such allegations can protect your organization against and flexibility for even threaten the personal assets of a wide range of costs associated managing your your directors and officers.

5 With incidents of kidnapping or What the coverage does: Helps protect extortion, including the cost of crisis organization 's your organization and its directors and management services. officers against exposures associated exposures. with the management actions and decisions of executives. Key features Employment Practices Integrated Portfolio form designed to Liability (EPL) Insurance minimize gaps in coverage. The risk: An employee or volunteer 100% defense costs coverage when could sue your organization for allocating between covered and discrimination, harassment, or uncovered loss. retaliation. Through an array of standalone What the coverage does: Helps protect coverages, limit levels, optional your organization and its executives enhancements, and expert loss and employees from employment- control services, the policy can evolve related wrongdoing and mitigate EPL with your organization as it grows.

6 Exposures through state-of-the-art loss Any insured is allowed to elect the prevention services. extended reporting period. Chubb has the duty to defend covered claims, even when allegations are groundless, false or fraudulent, giving you peace of mind. You gain access to Chubb's optional, state-of-the-art risk management tools and services. ForeFront Portfolio For liability coverage parts: State-of-the-art risk management You determine your organization 's for Not-for-Profit level of protection by selecting either In addition to critical insurance coverages, Organizations : a combined maximum aggregate when you have ForeFront Portfolio for limit of liability for all claims under Not-for-Profit Organizations you can take all liability coverage parts or separate advantage of a broad spectrum of optional, An integrated suite maximum limits of liability for each cutting-edge risk management and loss of five insurance individual coverage part.

7 Control services all designed to help your When Chubb has the duty to defend organization prevent losses and cope with coverages covered claims, you have access to them after they occur. law firms and counsel experienced in general contract, employment, State-of-the-art the Employee Retirement Why Chubb? risk management Income Security Act (ERISA), and commercial law. Chubb has earned its leadership position resources If a claim triggers multiple coverage in providing business insurance for not- parts while retentions are applied for-profit Organizations by consistently Superior claims separately to each part of the claim, the providing innovative insurance products, sum of the retentions won't exceed the superior service, unparalleled underwriting handling largest applicable retention.

8 Expertise, and unflinching commitment to Loss includes punitive and fair and prompt claims handling. exemplary damages where insurable by law. We are pioneers in the marketplace. We were among the first carriers to write D&O liability and EPL insurance, Superior claims management and we've offered fiduciary liability insurance since 1978. The true measure of a carrier is how it responds to and manages your claims, Our financial stability and ability to pay and Chubb is renowned in the industry claims rate among the best in the insurance for our fair, prompt claims handling and industry, as attested by the ratings we unparalleled claims service.

9 Unlike some receive from the leading independent insurers, we manage claims using our own insurance rating services. For more than 75. claim examiners. This approach provides years, Chubb has remained part of an elite you with the following benefits: group of insurers that have maintained Best Company's highest ratings. Best possible result based on a team approach and experience: We work closely with you, counsel, and your agent Contact Us or broker to obtain the very best possible result for your claim, applying the For more information about how experience we've gained handling not-for- Chubb can help your Not-for-Profit profit organization claims for more than organization manage risk, contact 30 years.

10 Your insurance agent or broker. Multinational capabilities: We offer Additional information may be found a coordinated worldwide approach at to handling your multinational claims so you don't need to worry about the unique challenges posed by claims that cross borders. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Product highlights are summaries only. Please see the actual policy for terms and conditions. Products may not be available in all locations, and remain subject to Chubb's underwriting criteria.