Zurich Public Sector Solution

Zurich Public Sector Solution

Solutions for an Evolving Public Sector Managing risk for a Public Sector entity has taken on an unprecedented level of complexity. Consider for a moment the evolving risks presented by climate resilience, aging infrastructure, the emphasis on value-based care, cost pressures and innovations in technology. It s no longer about simply managing risk it s about managing the full spectrum of risk across the syndicate. As one of the few insurers offering broad, all lines insurance solutions for Public Sector entities and the professionals they employ, Zurich is in a great position to help you manage the full scope of your risk. We understand the challenges you face and how they impact your total cost of risk, challenges such as: Growing impact of natural catastrophes Data security and privacy Managing community health assessments and population management Continuous construction and renovation projects Urban planning Integrated products and services delivered by a Zurich professional Made up of underwriters, risk services and claim professionals, our Public Sector team sees firsthand the new challenges you re up against. We have worked together to create insurance products and services that interact to help reduce your total cost of risk. Zurich s Integrated Public Sector Approach Property Auto Liability Hospitals Liability Advantages Builders Risk Equipment Breakdown Continuous communication among your organization and our team can help minimize your losses Zurich offers a wide range of program structures Our coverages can help reduce coverage gaps and lapses Surety Bonds Errors & Omissions Inland Marine Environmental Pollution Construction Solutions Directors & Officers Data Security & Privacy 2

Why Zurich for Public Sector? Zurich s access to a large and diverse portfolio of insurance products gives us the flexibility to better customize coverages for Public Sector organizations. Our dedicated risk services and claims handling teams will work with you to create solutions that respond to the evolving risks facing the Public Sector. Whether you operate within a Municipality, Educational Institution, Government or Healthcare facility, Zurich has the resources to help. Ease of doing business Our dedicated team of Public Sector experts have more than 100 years of combined experience and will partner with you to help build and grow your Public Sector entity. Through Zurich, you have one point of contact to help support the development of your Public Sector insurance and risk management initiatives. Our 100+ regional underwriting, sales and risk services experts make Zurich accessible through all stages of an RFP: quoting, binding and after-issue services. We are one of the very few insurance companies that provide a one-solution approach to the Public Sector and offer compliant coverage for complex accounts in all provinces. A foundation built on financial strength With over 140 years of experience and a strong foundation, Zurich Insurance Group enjoys excellent third-party ratings and significant capacity. Our industry financial strength ratings are among the strongest: A.M. Best A+/stable, Standard & Poor s AA-/stable and Moody s Aa3/stable. Public Sector Target Appetite Our targets include Educational Institutions, Government, Healthcare facilities, Municipalities with a permanent population of 50,000+ in Ontario and the Prairie Provinces, 5,000 in Atlantic Provinces, 10,000 in British Columbia, and 35,000 in Quebec. Education* Healthcare* Municipalities Government School Boards (public and private) Kindergardten Elementary Schools High Schools Universities Colleges (including community colleges) Public Hospitals Cities Towns Counties Regional and Metropolitan Municipalities Cabinet-level departments, Agencies and Secretariats for: Provincial Territories Federal Crown Corporations Adult Learning Technical Institutes * Government funded * Government funded 3

Risk Services Zurich s experienced risk professionals understand the federal, provincial and local issues affecting Public Sector entities and are committed to helping you minimize professional liability, property, auto and casualty risks. Our services may include: Assessments of current risk management programs Access to a proprietary Cure for Water Damage program to help identify latent water damage exposures before they become a costly and disruptive loss Fire protection system impairment handling and liability assessment Review of construction plans including sprinkler specifications from an insurance perspective Equipment breakdown assessments Machinery breakdown assessment and jurisdictional certification (Ontario and Quebec only) Webinars, seminars, training and education programs on frequency losses such as driver training Risk Engineering Claims Analysis Tool (RECAT) that allows us to work with you to complete a root cause analysis and help you to develop subsequent actions to reduce future losses Crisis Management tool to help you develop strategies for dealing with the interruption of business due to fire, severe weather events or any other catastrophe Zurich Hazard Analysis (ZHA) tool that identifies and analyzes hazard and risk exposure Public Sector Gateway Whether you are faced with a fire, water damage or a collision, Zurich knows what our Public Sector customers need in order to be adequately prepared for these types of emergencies. Zurich s Public Sector Gateway is a tool available exclusively to our customers to help them assess their risks and identify their weaknesses. It provides an assortment of risk reduction resources all designed to help our customers avoid losses and reduce their total cost of risk. Public Sector Gateway highlights: Virtual consulting Risk reduction resources Training resources and courses Sign up today to be a part of Zurich s Public Sector community! Are you a Zurich customer? Sign up today. To access Zurich s Public Sector Gateway, visit http://customer.zurichrisksolutionsgateway.com To learn more about Zurich s Public Sector solutions, contact your broker or visit http://www.zurichcanada.com 4

Claims Services When a claim occurs, Zurich s Public Sector claims team helps to reduce the total cost of risk and drive its resolution to a fair outcome. Key features: Dedicated Claim Service Executive who will consult with you first to develop a collaborative and customized claim handling protocol The complexity of your claim is matched to the industry skills of the claim professional Your claims professional will proactively communicate with you throughout the life of the claim to ensure prompt response of any critical decisions and/or changes in claim status A dedicated litigation panel at Zurich will help reduce the average cost of a claim Collaboration with our risk service professionals to address trends and loss leaders Our Vendor Management group taps into an extensive network of best-in-class service providers to quickly help mitigate property damage and reduce operational downtime A dedicated Catastrophe Response Team with the expertise to respond immediately to most major catastrophic events 5

Public Sector Product Highlights Property Proprietary property forms offer broad coverage with numerous optional property extensions including: Hacking event or computer virus attack Decontamination expense Blanket by-laws, increased cost of construction Land improvements Master key replacement Proof of loss / claims preparation cost (professional fees) Valuable papers and records Builders Risk maximum $5 million Equipment Breakdown Optional Integrated Equipment Breakdown coverage combined property and boiler machinery deductibles Included coverage for emergency generators, A/C systems, boiler and pressure vessels, pumps and compressors, transformers and stationary electrical equipment Crime Comprehensive Dishonesty, Disappearance, and Destruction coverage 6 Employee dishonesty Loss inside and outside of premises Money orders and counterfeit paper currency Depository forgery Computer fraud and funds transfer Professional fees Rewards Telecommunication theft Unauthorized business card use Transportation of property by armoured car Inland Marine Zurich is able to provide Inland Marine solutions both packaged within the property form and independent from the property coverage when appropriate Wide variety of coverages, terms and services that address Public Sector customers needs, such as mobile equipment, contractors equipment and scheduled property floaters Casualty Primary Casualty Capacity up to $5 million per occurrence with multiple aggregates available Commercial General Liability (CGL) wordings designed specifically for public entities Named insured to include elected or appointed officials, directors or executive officers, members of any of your agencies, boards or commissions, committees of council, employees, volunteer workers and student interns (only for acts within the scope of their employment by you or while performing duties related to the conduct of your business) Crisis Management Expense Limited Professional Liability Services Nurses Emergency Medical Services Social services professional (guidance counsellors) Owned and Non-owned Watercraft (up to 16 metres) Non-owned Auto Errors & Omissions Capacity up to $5 million per claim and annual aggregate Public officials Errors & Omissions (claims made) Conflict of interest (separate limit / aggregate) Legal expense (separate limit / aggregate) Counsellor vs. counsellor legal expense (separate limit / aggregate) Employment Practices Liability (EPL) including indemnity and defence expense (separate limit / aggregate) Educators legal liability Errors & Omissions (claims made) Employment incident aggregate Defence reimbursement Abuse Abuse coverage (claims made) $2 million per claim and annual aggregate Umbrella and Excess Casualty Available upon request Auto Capacity up to $5 million per occurrence with higher limit available Per occurrence deductible Replacement cost coverage (limitation period applies) City owned and/or transit operations Zurich Environmental Emergency Response (ZEER)

Additional Coverage Solutions Security and Privacy (Cyber Risk) Third Party coverage: Security and Privacy Liability coverage, which includes limited coverage for regulatory proceedings with defence costs Privacy Breach Costs coverage (available as a first party option): Forensic Investigation Expenses for an entity s computer system to determine the cause or extent of the privacy breach, notification costs, credit and identity monitoring costs, and certain legal and public relations expenses Other First Party coverages (available as options): Business Income Loss and Dependent Business Income Loss coverage, Digital Asset Replacement Expense coverage and Cyber Extortion Threat and Rewards Payments coverage Access to risk management services, tools and information: breach coach consultation, news center, incident roadmap, cost calculators, learning center and Zurich Risk Services Directors & Officers (D&O) Zurich offers D&O Liability insurance that can be customized to your organization s needs. Our coverage will protect against alleged or actual breach of duty, neglect, error, misstatement or omission. A few of the many highlights of Zurich s D&O coverage include: Additional limits for retired independent directors Environmental Mismanagement coverage Coverage extensions for Employment Practices Liability and Fiduciary Liability are available Environmental Contractor s Pollution Liability (CPL) $25 million capacity Z Choice allows you to select only the environmental coverages you need for your property or operation whether it s Clean-up costs, Bodily Injury, Business Interruption, Transportation or more Construction Solutions (Optional coverage available through our Construction unit) Owners Controlled Insurance Programs coverage: Builders Risk and Wrap Up Liability Liability for third party claims caused by covered pollution events at project sites (Contractor s Pollution Liability) Liability arising out of negligence of design professionals (Owner s Protective Professional Indemnity) 7

Zurich 416-586-3000 www.zurichcanada.com The Zurich logo and Zurich are trademarks of Zurich Insurance Company Ltd Zurich Insurance Company Ltd (Canadian Branch) This is intended as a general description of certain types of insurance and services available to qualified customers through Zurich Insurance Company Ltd in Canada. Your policy is the contract that specifically and fully describes your coverage. The description of the policy provisions contained herein gives a broad overview of coverage and does not revise or amend the policy. 2015 Zurich Insurance Company Ltd A1-21020-D (04/15) 112005368