CNA HEALTHPRO An innovative portfolio of insurance solutions to

CNA HEALTHPRO

An innovative portfolio of

insurance solutions to

meet the changing needs

of healthcare providers.

CNA HealthProA proven leader in providing comprehensive insurance products and

services to meet the needs of today’s healthcare providers.

When it comes to experience, responsiveness and flexibility in the rapidly

changing healthcare environment … we can show you more.®

Flexible and Innovative UnderwritingOur experienced healthcare underwriters understand your industry, its

claim and legal climates and your exposure to loss. By designing cus-

tomized coverage at a competitive price, we can help you address your

organization’s full complement of risks, including:

-Healthcare Professional Liability

-Commercial Automobile

-Crime

-Cyber Liability

-Directors and Officers Liability

-Employment Practices Liability

-Errors and Omissions

-Excess/Umbrella

-Fidelity Bonds

-General Liability

-Property

-Workers’ Compensation

A Powerful Team Approach and Best-In-Class Litigation ManagementCNA HealthPro professional claim consultants have the skill and judg-

ment to manage and resolve even highly complex claims equitably and

efficiently. CNA HealthPro works with a selected panel of specialized

law firms located throughout the country and has created Centers of

Expertise in the areas of birth trauma and aging services. These centers

bring together nationally recognized defense counsel and expert wit-

nesses to help your legal team:

-Make well-informed, prudent decisions

-Map out strategies

-Minimize losses

-Secure an optimal outcome

We are dedicated to protecting your assets and reputation, as well as

assisting your organization to move forward again.

Cutting-Edge Risk Control Services, Information and GuidanceOur nationwide network of skilled professionals works with you to develop

and implement effective risk control strategies tailored to your industry

and organization, and can help you:

-Align risk control efforts with strategic goals

-Assess potential liabilities

-Develop and implement preventive strategies and interventions

-Educate leadership team, management and staff

-Enhance operations and processes

-Improve organizational communication

We offer the following risk control resources:

CNA Risk Control Web site – www.cna.com/healthproFeatures complimentary Exposure Guides, Client Use Bulletins, the CNA

School of Risk Control Excellence Course Catalog and links to related

online resources.

CNA HealthPro publicationsResources include CareFully Speaking® for aging services, inBrief® for

allied healthcare facilities and Vantage Point® for hospitals. AlertBulletins

and special claim studies are also available.

Customized risk education programsConsultants are available to present customized educational programs

at accessible locations, via teleconference or webinars.

Onsite consultation and projectsCNA HealthPro consultants can collaborate with your organization to

identify potential liability exposures and develop proactive, enterprise-

wide risk control strategies.

Research projectsUpon request, our risk control consultants can research specific risk-

related issues and report findings to customers.

Risk education toolsUp-to-date presentations and self-assessment tools on selected risk

control topics are available.

Telephone and written consultationOur risk control consultants are available to provide telephone support

to help you manage risk-related concerns. Written communication is

also available when necessary.

Topical and regional seminarsOffered at different locations around the country, our insureds have

access to CNA HealthPro-sponsored educational seminars, which

address a variety of pertinent healthcare issues.

Sophisticated Actuarial ServicesCNA HealthPro’s actuarial team works closely with underwriting, claim

and risk control staffs to ensure our pricing process takes into account all

relevant factors. Our actuaries have the skill and sophistication to appro-

priately price your coverage package using advanced pricing tools to

accommodate your unique risks and coverage structures.

CNA HealthPro boasts an actuarial staff notable for its educational and

professional attainments. We have significant experience in the healthcare

field, designations from the Casualty Actuarial Society and are members

of the American Academy of Actuaries.

Aging ServiceS

The experience to understand

the aging services industry.

The strength and knowledge

to manage its risks.

cnA HEALTHPRO

Your mission is to provide quality care. Ours is to provide you with quality insurance products and services.With more than 40 years of experience in the healthcare indus-

try, CNA is a trusted leader and one of the top five underwriters

of healthcare insurance products and services for a wide spec-

trum of organizations. We offer extensive industry knowledge,

valuable insight and core coverages tailored to meet the unique

needs of aging services providers. This experience and dedi-

cation has earned us the status of “preferred provider” with the

American Association of Homes and Services for the Aging

(AAHSA) and the Assisted Living Federation of America (ALFA).

An experienced approach to protecting your organizationOur dedicated CNA HealthPro underwriting team consists of

professionals with an average of more than 15 years of experi-

ence in the aging services sector. We draw upon this expertise

as we listen to our customers, work to understand the changing

services they provide, and develop the tools and coverages that

help protect their enterprise. Customized programs are tailored

to meet the needs of:

- Skilled nursing and sub-acute facilities

- Continuing care retirement communities

- Assisted living centers

- Independent living communities

- Memory-loss facilities for dementia

and alzheimer’s care

- Home- and community-based services

Underwriting initiatives also include the availability of alternative

liability insurance programs, such as large deductibles, captive

reinsurance and group risk-sharing arrangements. In addition,

higher limits of liability are offered.

The right coverages — wherever and whenever care is provided.CNA HealthPro provides coverage to both not-for-profit and

for-profit organizations across the country. Also, occurrence pro-

fessional liability insurance coverage is available to meet your

needs in the marketplace today. Whether providing home-,

community-, or facility-based care, you can count on CNA for

broad business protection as well as segment-specific coverages.

core coverages:

- Professional Liability (Claims-Made and Occurrence),

including coverage for your medical director’s

administrative duties and their services in a patient

emergency situation

- General Liability

- Property (specialized form designed for the

aging services industry)

- Commercial Automobile, including autos and

vans used for patient transport

- Umbrella and Excess Liability with high limits

of liability available

- Employee Benefits Liability

Additional coverages:

- Crime

- Cyber Liability

- Equipment Breakdown

- Inland Marine

- Directors and Officers, including

Employment Practices Liability

Expanded coverages for home- and community-based care providersTo better meet the needs of aging services providers, we

created specific coverages to address the risks of organizations

providing care and services to individuals who remain in their

own homes or in a community-based setting.

- Home- and community-based Services Program

(HcBS)� — A range of liability coverages associated

with providing social and healthcare services to the aging

population at community centers or in their homes.

- Program of All-inclusive care for the elderly

(PAce)� — A range of liability coverages for Medicare-

and Medicaid-funded programs that provide onsite medi-

cal, physical and occupational therapy services to the

aging population in their homes and community centers.

- Housing Programs — A range of liability coverages

for all types of independent living and housing opera-

tions for seniors.

A smart approach to managing risksCNA is dedicated to helping aging services organizations man-

age the financial cost of risks by preventing losses from occurring.

Our nationwide staff of highly experienced risk control consul-

tants has earned the Certified Professional in Healthcare Risk

Management credential and other industry-related designations.

We are ready to create and provide programs that help identify

and manage exposures across organizations, minimize risk and

avoid costly disruption of operations. In addition, our compli-

mentary CNA HealthPro Risk Control materials are available

online as a resource to help protect your business assets and

ultimately, the bottom line.

cnA can help aging services providers:

- Identify and assess potential liabilities

- Develop and implement preventive strategies

- Educate administrators and staff members

- Understand the legal and regulatory environment

- Improve internal communications

- Create operational efficiencies

risk control services include:

- Customized educational materials,

such as newsletters and claim trend studies

- Detailed claim analyses

- Onsite assessments, including clinical care services

- Organizational risk evaluations

- Specialty-specific seminars

- Telephone and e-mail support and consultation

We offer extensive industry knowledge, valuable insight

and core coverages tailored to meet the unique needs of

aging services providers.

CNA helps you understand and respond to industry loss trendsThe CNA biannual aging services claims study is an authoritative

source of loss experience in the industry, providing strategies to

prevent losses from occurring within your facility, and to minimize

the impact if a loss occurs. This study is available to download

through the CNA HealthPro Web site or in print by contacting

your CNA Risk Control consultant.

Count on CNA claim service excellence when you need us mostCNA HealthPro claim staff is comprised of more than 100 pro-

fessionals averaging over 22 years of service in the industry. With

experience as attorneys, nurses and administrators, our claim

teams are well positioned to help protect our policyholders when

a claim arises. Our legal defense team brings together nationally

known defense attorneys and expert witnesses to develop innova-

tive claim management and legal strategies in order to achieve

the best possible outcome. For potentially high-loss claims, our

Aging Services Center of Expertise serves as a unique resource

to support our formidable legal team. We strive to facilitate a

process that resolves even the most complex claims in a timely

and fair manner.

CNA HealthPro — the right choice for the healthcare industryFor more than 100 years, CNA has been helping businesses

maintain a higher level of performance by proactively managing

their risk. With customized coverages and services for health-

care providers, we offer collateral lines capabilities to address

the needs of large and small organizations across a variety of

industries. From our more than $50 billion in assets to our “A”

rating for financial strength and solid industry reputation for risk

control and claim management, when you want an experienced

carrier dedicated to the aging services industry … we can show

you more.SM

Published by CNA. For additional information, please call CNA HealthPro at 1-888-600-4776. The information, examples and suggestions presented in this material have been developed from sources believed to be

reliable, but they should not be construed as legal or other professional advice. CNA accepts no responsibility for the accuracy or completeness of this material and recommends the consultation with competent legal

counsel and/or other professional advisors before applying this material in any particular factual situations. This material is for illustrative purposes and is not intended to constitute a contract. Please remember that only

the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states. CNA is a service mark registered with

the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP AS BRO 09

Business insurance you can feel good about. To learn more about our flexible, innovative approach to underwriting healthcare industry risks, visit www.cna.com/healthpro.


outpatient-based allied healthcare

facility businesses. The strength

and knowledge to manage their

professional liability and general

liability risks.

CNA HEALTHPRO

Allied HeAltHCAre FACilities

Your mission is to provide quality care. Ours is to provide you with quality insurance products and services.With more than 40 years of experience in the healthcare

industry, CNA is a trusted leader and one of the top five under-

writers of healthcare insurance products and services for a wide

spectrum of organizations. We offer extensive industry knowl-

edge, valuable insight and core coverages tailored to meet the

unique needs of more than 50 types of outpatient allied health-

care facilities.



ence in the allied healthcare facilities market. We understand

the ever-changing landscape of the healthcare industry and the

unique risks posed by each of the clinical services our custom-

ers provide. We draw upon this expertise as we work with our

customers every day to determine how the services they pro-

vide may be evolving and further develop tools and coverages

to help protect their organizations. Customized programs are

tailored to meet the needs of:

- Ambulatory surgery centers

- Behavioral health centers providing outpatient services

- Cancer treatment centers

- Community health centers

- Dialysis centers

- Home health services, including homemaker/companion,

skilled medical care and visiting nurse associations

- Hospice services

- Medical laboratory services

- Lithotripsy centers

- Pharmacies

- Radiology services, including non-invasive radiological

services, such as CT, MRI and PET scans

- Rehabilitation services, including trauma rehabilitation

and occupational, physical and speech therapy

- Schools, including medical, dental, optometry and allied

medical health professionals

- Student health centers – colleges and universities

- Substance abuse counseling centers

The right coverages — wherever and whenever care is provided.Our insurance products for the allied healthcare facilities market

are structured to provide a broad spectrum of protection for

various aspects of each customer’s business operations.

Core Coverages:

- Professional Liability

- General Liability

- Employee Benefits

- Excess/Umbrella

Additional Coverages:

- Commercial Automobile

- Directors and Officers Liability

- Employment Practices Liability

- Property

- Cyber Liability

- Workers’ Compensation

A smart approach to managing risksCNA is dedicated to helping allied healthcare facilities manage

the financial cost of risks by preventing losses from occurring.


tants is ready to create and provide programs that help identify

and manage exposures across organizations, minimize risk and

avoid costly disruption of operations. In addition, our compli-

mentary CNA HealthPro Risk Control materials are available

online as a resource to help protect your business assets and

ultimately, the bottom line.

CNA can help allied healthcare facilities:








- Customized educational materials, such as newsletters

and claim trend studies


- Onsite assessments, including clinical care services



- Support and consultation by telephone and e-mail


fessionals, averaging over 22 years of service in the industry.

With experience as attorneys, healthcare providers and admin-

istrators, our claim teams are well positioned to help protect

our policyholders when a claim arises. Our legal defense team

brings together nationally known defense attorneys and expert

witnesses to develop innovative claim management and legal

strategies in order to achieve the best possible outcome. We

strive to facilitate a process that resolves even the most complex

claims in a timely and fair manner.

We work with our customers everyday to determine how

the services they provide may be evolving and further develop

tools and coverages to help protect their organizations.









carrier dedicated to the health of allied healthcare facilities …

we can show you more.sM





the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP AH BRO 09

Business insurance you can feel good about. to learn more about our flexible, innovative approach to underwriting healthcare industry risks, visit www.cna.com/healthpro.

AlternAtive risk


captive insurance and self-insured

needs. The strength and knowledge

to help manage its risks.

CnA HEALTHPRO

Proven captive reinsurance fronting, self-insured fronting and risk transfer for the healthcare industry.As a national insurance carrier with a more-than-100-year history,

and more than 40 years of direct healthcare experience, CNA

is a smart choice to complement and enhance your captive

reinsurance or self-insured program. We work with a variety of

captive insurers and self insurers in the healthcare industry and

their advisors to fulfill unique fronting and risk transfer require-

ments, expand coverage capacity, and create tailored, support-

ive coverage, claim or risk control solutions. CNA HealthPro

provides fronted professional liability insurance policies in patient

compensation fund states, and the various CNA companies

offer both admitted and non-admitted policies in almost every

state. When you choose CNA, you have the support of a global

company rated “A” for financial strength.

An experienced approach to protecting your assetsThe CNA HealthPro underwriting team consists of professionals

dedicated to fronted programs, with an average of more than 15

years of healthcare industry experience. It is expertise we draw

upon every time we listen and work closely with you to structure

and administer an alternative liability insurance program —

such as large self-insured retention programs, fronting arrange-

ments, captive reinsurance programs and group risk-sharing

arrangements — tailored to meet your complex business needs.

It is an approach that has worked for thousands of customers

across a number of business types, including:

- Hospitals and health systems

- Physician clinics and group practices

- Aging services organizations

- Life sciences companies

- Allied healthcare facilities

The right structure for your unique coverage requirementsWe provide two forms of fronting structures, which can be

adapted to satisfy your professional and general liability cover-

age requirements:

Matching deductible programs — includes a deductible

equal to the policy’s per-claim limit of liability

reinsurance programs — the policy is fully reinsured

by an acceptable carrier, typically via a captive insurance

company. Collateral requirements are established for all

fronting contracts. Acceptable forms of collateral include

letters of credit and working trusts secured through CNA-

approved financial institutions.

Core Coverages:

- General Liability

- Professional Liability

Additional Coverages:

- Excess/Umbrella

- Product Liability

Our underwriters are adept at assisting in the design and exe-

cution of alternative risk programs. We analyze each program

and work with you to arrive at the appropriate limits of liability,

retentions, collateral amounts and fee structure. Such a program

will enable you to fulfill your financial, contractual, legal and/or

regulatory obligations through the issuance of commercial insur-

ance paper.

Equally important, those same underwriters can work with you

to design insured risk transfer programs above or in conjunction

with your alternative risk arrangements. The entire portfolio of

CNA and CNA HealthPro products and services is available to

fulfill your needs. This capability is unrivaled in the industry.

A smart approach to managing risksCNA is dedicated to helping captive insurers and self insurers

manage the financial cost of risks by preventing losses from

occurring. Our nationwide staff of highly experienced risk control

consultants is ready to create and provide programs that help

identify and manage exposures across organizations, minimize

risk and avoid costly disruption of operations. In addition, our

complimentary CNA HealthPro Risk Control materials are avail-

able online as a resource to help protect your business assets

and ultimately, the bottom line.

CnA can help your company:








- Customized educational materials, including

newsletters and claim trend studies


- Onsite assessments, including high-risk clinical

care services



- Support and consultation by telephone and e-mail



With experience as attorneys, nurses and administrators, our

claim teams are well positioned to help protect our policy-

holders when a claim arises. Our legal defense team brings

together nationally known defense attorneys and expert wit-

nesses to develop innovative claim management and legal

strategies in order to achieve the best possible outcome. Our

goal is to facilitate a process that resolves even the most com-

plex claims in a timely and fair manner.

We listen and work closely with you to structure and

administer an alternative liability insurance program

tailored to meet your complex business needs.









carrier dedicated to the health of your business … we can show

you more.sM





the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP AR BRO 09


Hospitals and HealtH systems

The experience to understand the

risks of hospitals and health systems.

The strength and knowledge to help

manage those risks.

Cna HEALTHPRO

Your mission is to provide quality care. Ours is to provide you with quality insurance products and services.With more than 40 years of experience in the healthcare

industry, CNA is a trusted leader and one of the top five under-

writers of healthcare professional liability insurance products

and services for a wide spectrum of organizations and providers.

We offer extensive industry knowledge, valuable insight and

core coverages tailored to meet the unique needs of hospitals

and health systems.

An experienced approach to protecting your organizationWith our nationwide scope, we understand that risks and litiga-

tion environments may vary dramatically from region to region.

Our state-specific underwriting and claims capabilities ensure

appropriate coverage levels for our insureds commensurate with

their exposures. Types of organizations we insure include:

- Community hospitals of all sizes

- Medical schools and university health systems

- Multi-hospital systems and integrated delivery systems

- Tertiary care facilities

- Government hospitals

- Specialty hospitals, such as:

- Cardiac

- Psychiatric

- Long-term acute care

- Pediatric and children’s

- Rehabilitation

Dedicated HealthPro underwriters understand your risk, listen

closely to your needs and are adept at assisting in the design

and execution of your insurance program. In conjunction with

a dedicated actuarial staff, we work with you to develop the

appropriate limits of liability, retentions, and terms and condi-

tions to achieve your program objectives.

Tailored underwriting initiatives are available to address the

needs of alternative risk financing programs, such as fronted

programs, umbrella and excess coverages in connection with

self-insured retention programs, captive programs, pools, trusts

and risk retention groups.

The right coverages — wherever and whenever care is provided.CNA HealthPro provides coverage to both not-for-profit and

for-profit organizations across the country. From first-dollar cov-

erage to self-insured retention and captive programs, you can

count on CNA for broad business protection as well as segment-

specific coverages.

Core Coverages:

- primary Coverages

- Hospital Professional Liability

(claims-made basis)

- General Liability

(claims-made or occurrence basis)

- Umbrella and excess Coverages

- Coverages typically include Hospital

Professional Liability, Commercial

General Liability, Commercial Automobile

and Employer’s Liability

additional Coverages:

- Cyber Liability




- Property


A smart approach to managing risksCNA is dedicated to helping hospitals and health systems man-

age the financial cost of risks by preventing losses from occurring.


tants has earned the Certified Professional in Healthcare Risk

Management credential and other industry-related designa-

tions. We are ready to create and provide programs that help

identify and manage exposures across organizations, minimize

risk and avoid costly claims. In addition, our complimentary

CNA HealthPro Risk Control materials are available online as a

resource to help protect your business assets and ultimately,

the bottom line.

Cna can help hospitals and health systems:







Risk control services include:

- Customized educational materials, such as

newsletters and claim trend studies


- Onsite assessments, including high-risk clinical

care services



- Support and consultation by telephone or e-mail


fessionals, averaging over 22 years of service in the healthcare

industry. With experience as attorneys, healthcare providers and

administrators, our claim teams are well positioned to help pro-

tect our policyholders when a claim arises. Our legal defense

team brings together nationally known defense attorneys and

expert witnesses to develop innovative claim management and

legal strategies in order to achieve the best possible outcome.

For potentially high-loss claims, our hospitals and health systems

dedicated claim team and Birth Trauma Center of Expertise

serve as unique resources to support our formidable legal team.

Our goal is to facilitate a process that resolves even the most

complex claims in a timely and fair manner.

Our state-specific underwriting and claims capabilities

ensure appropriate coverage levels for our insureds

commensurate with their exposures.









carrier dedicated to the health of hospitals and health systems …

we can show you more.sm





the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP HH BRO 09


Providers’ AlternAtive solutions


needs of a hard-to-place healthcare

professional. The strength and

knowledge to offer a creative and

timely solution.

CnA HEALTHPRO

Your mission is to provide the best care possible. Ours is to provide you with quality insurance products and services.With more than 40 years of experience in the healthcare industry,

CNA is a trusted leader and one of the top five underwriters of

healthcare professional liability insurance products and services

for a wide spectrum of healthcare organizations and profession-

als. We offer extensive industry knowledge, valuable insight and

professional liability insurance products tailored to meet the

unique needs of hard-to-place physicians (including certain

classes of physician extenders, such as nurse anesthetists) and

dentists. Our surplus lines product approach affords the flexi-

bility and responsiveness needed to offer coverage solutions

for the displaced or underserved medical professional who is

unable to secure professional liability insurance through the

admitted marketplace.


professionals with an average of more than 15 years of healthcare

industry experience. We draw upon this expertise to understand

the changing services our customers provide and develop the

customized programs, tools and coverages that help protect

their practices.

The right coverage for hard-to- place physicians, physician extenders and dentistsThe CNA HealthPro Providers’ Alternative Solutions Program

offers a broad spectrum of protection for various exposures,

including complex or experimental procedures, “carve-outs”

for challenged providers, split limits for prior acts, a complex

clinical specialty, a multi-state exposure, an impaired individual

undergoing treatment or coverage over prior “bare” periods

with coverage continuity gaps. We also may offer these cus-

tomers access to other CNA coverages, simplifying their insur-

ance program.

Core Coverage Highlights:

- Claims-made coverage with prior acts

generally available

- Coverage enhancement “buybacks” available for

selected risks

- Claim expenses outside (versus inside) limits

- Consent to settle provision (with limitation)

versus no consent

- Incident-sensitive coverage trigger

(versus demand coverage trigger)

- Low/no deductible option or options that

apply to indemnity only

- Prior acts over bare coverage periods

- Specified allied healthcare professionals not

defined as “Insureds” in the policy may be

scheduled on a shared limit basis

- Limits can apply individually (or on a shared

limit basis) for professionals in a group

- Corporate partnership coverage on a shared

limit basis can be added where all providers

in the group are insured

- Extended Reporting Period options of up to three

years are available (a longer period may be negotiated

on a risk-by-risk basis, especially in the event of death,

permanent disability or retirement)

- Tailored coverage solutions for larger dental and

nurse anesthetists groups, including entity only

coverage and corporate partnership coverage with

separate or shared limits

A smart approach to managing risksCNA is dedicated to helping providers manage the financial

cost of risks by preventing losses from occurring. Our nationwide

staff of highly experienced risk control consultants has earned

the Certified Professional in Healthcare Risk Management cre-

dential and other industry-related designations. The team creates

risk control resources to assist with the identification and man-

agement of risks in the practice setting. These value-added CNA

HealthPro Risk Control materials are available online.

Our surplus lines product approach affords the flexibility

and responsiveness needed to offer coverage solutions for

the displaced or underserved medical professional.



With experience as attorneys, healthcare professionals and

administrators, our claim teams are well positioned to help pro-

tect our policyholders when a claim arises. Our legal defense

team brings together nationally known defense attorneys and

expert witnesses to develop innovative claim management and

legal strategies in order to achieve the best possible outcome.

Our goal is to facilitate a process that resolves even the most

complex claims in a timely and fair manner.

CNA HealthPro — the right choice for the healthcare industryFor more than 100 years, CNA has been helping healthcare

organizations and professionals. From our more than $50 billion

in assets to our “A” rating for financial strength and solid indus-

try reputation for risk control and claim management, when you

want an experienced carrier dedicated to the health of health-

care providers … we can show you more.sM





the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP PAS BRO 09

Business insurance you can feel good about. to learn more about our flexible, innovative approach to underwriting healthcare industry risks, especially the hard-to-place medical professional, visit www.cna.com/healthpro.

the Life ScienceS induStry


life sciences industry. The strength

and knowledge to manage its risks.

cnA HEALTHPRO

You provide innovative healthcare technology. We’ll provide business insurance products and services to match.With more than 40 years of experience in the healthcare industry,

CNA is a trusted leader and one of the top five underwriters of

healthcare professional liability insurance products and services

for a wide spectrum of organizations. Through its Advanced

Medical Technology business segment, CNA HealthPro is one

of the largest U.S. insurers in the life sciences market. We offer

extensive industry knowledge, valuable insight and core cover-

ages tailored to meet the unique needs of your firm or organi-

zation. Insurance solutions are available to address a variety

of needs, including those of highly specialized organizations

through alternative liability insurance programs such as fronted

programs, captive reinsurance arrangements and large self-

insured retention programs.



ence. We draw upon this expertise as we work to understand

the changing nature of our customers’ business. By developing

the tools and coverages that help protect their enterprise, we

create customized programs tailored to meet the needs of:

- Clinical research and development firms performing

clinical trials

- University-based medical centers and other independent

facilities engaged in clinical trials

- Specialty pharmaceutical, generics and nutraceutical

companies

- Biotechnology

- Medical device manufacturers

- Distributors and wholesalers of the above industry groups

The right coverages for complex healthcare businessesOur products for the life sciences market are structured to pro-

vide a broad spectrum of protection for various aspects of each

customer’s business operations. We offer underwriting capabil-

ities in all 50 states supported by a global presence to simplify

our customers insurance programs.

core coverages:

- Products and Professional Liability

- Surplus lines: Claims made, defense inside

the limit, deductibles/SIR required

- Primary and lead/low excess

- U.S. coverage excess-DIC/DIL over local

placements outside the U.S.

- Clinical Trials Liability

- Domestic and foreign local admitted

- Property/Package/General Liability


- Umbrella/Excess Liability


Additional coverages:



- International Coverages

- Property

- Cyber Liability

A smart approach to managing risksCNA is dedicated to helping life sciences organizations manage

the financial cost of risks by preventing losses from occurring.


tants is ready to create and provide programs that help identify

and manage exposures across organizations, minimize risk

and avoid costly disruption of operations. Our complimentary

CNA HealthPro Risk Control materials are available online as

a resource to help protect your business assets and ultimately,

the bottom line.

cnA can help life sciences organizations:



- Educate leadership team, management and

staff members





- Customized educational materials, such as newsletters

and claim trend studies


- Onsite assessments, including review of high-risk

products, critical processes and manufacturing operations


- Telephone and e-mail support and consultation


fessionals, averaging over 22 years of service in the industry—

including a team dedicated to managing life sciences claims.

With experience as attorneys, nurses and administrators, our

dedicated life sciences claim team offers specialized support

in high value, mass tort, and class action claims unique to this

industry. It is well positioned to work with our policyholders to

protect their interests when a claim arises. Our outside legal

panel brings together nationally known defense attorneys with

special expertise in mass tort and product liability claims, as

well as knowledge of expert witnesses. We develop innovative

claim management and legal strategies designed to achieve

the best possible outcome for our insureds. Our goal is to facili-

tate a process that resolves even the most complex claims in

a timely, fair and cost-efficient manner.

Our insurance products for the life sciences market are

structured to provide a broad spectrum of protection for

various aspects of each customer’s business operations.


maintain a higher level of performance by proactively manag-

ing their risk. With customized coverages and services for life

sciences firms, we offer collateral lines capabilities to address





carrier dedicated to the health of life sciences organizations …

we can show you more.SM





the United States Patent and Trademark Office. Copyright © 2009 CNA. All rights reserved. Printed 9/09. HP AMT BRO 09


Published by CNA. For additional information, please call CNA HealthPro at 1-888-600-4776. The information, examples and suggestions presented in this material have been developed from sources believed to be reliable, but they should not be construed as legal or other professional advice. CNA accepts no responsibility for the accuracy or completeness of this material and recommends the consultation with competent legal counsel and/or other professional advisors before applying this material in any particular factual situations. This material is for illustrative purposes and is not intended to constitute a contract. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states. CNA is a service mark registered with the United States Patent and Trademark Office. Copyright © 2010 CNA. All rights reserved. Reprinted 2/10. HP FLR 09

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