Secure Data, Cyber Liability and Technology

Legislative mandated breach reporting and compliance is now an extremely costly business expense. The American Recovery & Reinvestment Act (ARRA) was signed into law 2/09. The HITECH provisions of ARRA addresses changes in Privacy (Subtitle D) and increases HIPPA fines to a new max of $1.5m.

Coverage Available
Note that many ISO exclusions exist for electronic information including explicit exclusions on almost all CGL and GL coverage forms.

• Cyber coverage for 1st and 3rd party malicious code
• Secure Data coverage for breaches of GLB 401c, HIPAA, and states secure data laws
• Business Interruption for loss of revenue during security breach crisis
• Network Security Liability (Coverage for damage and defense costs suffered in wake of computer attacks on insured's network, including computer virus, unauthorized access, denial-of-service, disclosure of confidential information)
• Crisis Management reimbursement to remediate and control the incident including PR spin and media costs
• Intellectual Property for perils like trademark, copyright and patent infringement
• Errors and Omissions for malfeasance of the technology implementation team and their subcontractors associated with any professional technology service for a fee
• Personal Injury to cover defamation, invasion of privacy or related perils
• Call Center Support for costs associated with Q&A load from breached clients
• Legislative Compliancy for certain fines and costs associated with investigations and penalties associated with HIPAA, GLB, etc.
• Cyber Extortion perils associated with malicious demands for pay off or threats in exchange for not releasing propriety or sensitive data.

Real Estate Package

This may be a good time to be shopping your Errors and Omission during this economically down time. In most cases, package this Errors and Omission coverage with a Business Owners Package under ONE policy with separate limits for each coverage.

COVERAGE AVAILABLE
• Defense Cost Outside the Limits of Liability
• First Dollar Defense
• $150,000 Discrimination Coverage (defense and damages)
• Coverage for personal injury / wrongful eviction coverage
• Coverage automatically provided for the sale of any residential owned property not developed/constructed by the insured
• Named perils coverage for claims arising from use of internet and e-mail
• Named peril coverage for employment claims arising out of the use of the internet and e-mail
• $2,500/$5,000 for Defense of Insureds at local and state real estate boards
• $25,000 or Higher Lock Box coverage
• Personally Owned Property Coverage
• Disciplinary Action Coverage

IMPROVED OPTIONS
Exclusive “APOGEE” Endorsements
• Pollution Liability
• Defense Cost Outside the Limits of Liability
• First Dollar Defense
• Internet Liability - inclusive of advertisement and listing of properties for sale or lease via internet, Website, email, facsimile, or direct mail marketing campaign.
ADDITIONAL FEATURES
• A.M. Best rated A to A++ carriers (Apogee works closely with OVER TEN carriers for this coverage)
• Low minimum premium
• Admitted in most states
RECENT CLAIMS EXAMPLES:
• Discrimination
• Failure to Disclose
• Negligence
• Misrepresentation
• Pollution

Professional Liability for Financial Advisors

We are excited to announce that we are now writing Errors & Omissions Insurance for Financial Planners under our Specified Professions product.

Our Target Market:
• Fee-only or salaried Registered Investment Advisors
• Up to $1,000,000 in income for a firm, and up to $150,000 in income per planner
• An average of no more than $500,000 in client assets managed per client
• Up to 10% of receipts from commissions
• Planners with a minimum of three years experience

Product Features:
• Premiums start at $2,000 for a $1 million limit and deductibles start at $1,000
Personal Injury coverage
• Businessowners Package Policy available including general liability and property coverage
• Duty to Defend coverage

Did You know?
• Financial Planning is the new hot job with the number of certified practitioners increasing 10% per year.
• There are approximately 400,000 Financial Planners in the United States.
• It's estimated more than half of financial advisors lack insurance coverage due to the perceived high expense and lack of coverage in policies

Healthcare Products and Medical Risks

At Apogee Insurance, we offer access and coverage for a wide variety of medical related liability exposures, including Errors & Omissions (E&O), Employment Practice Liability Insurance (EPLI), and Private Company Director and Officers (D&O). We have high quality insurance carriers (A rated and above) that have significant experience and expertise in the medical field. We also specialize in writing hard to place health care physicians.

The APOGEE INSURANCE GROUP ACCOUNT MANAGER TEAM offers you both High-Tech and High-Touch solutions for your Insurance needs including the new HITECH LAW and how liability is now assumed by anyone associated with Protected Health Information (PHI). The American Recovery & Reinvestment Act (ARRA) was signed into law by President Obama in February 2009. The HITECH provisions of ARRA addresses changes in Privacy (Subtitle D) and increases HIPAA fines from $100k to $1.5million. The implications of HITECH for hospitals, healthcare providers, vendors, Health Information Exchanges (HIES) and Regional Health Information Organizations (RHIOs) are Far Reaching!

Apogee welcomes all submissions that are in need of E&O, D&O, EPLI and Secure
Data/Cyber Liability coverages in the following fields including but not limited to:

• Physical therapy clinics
• Healthcare consultants
• Surgery centers
• Medical clinics
• Clinical Trials
• Drug/Alcohol abuse rehab facilities
• Healthcare Staffing
• Nurse Registry
• Medical Laboratories
• MRI Centers
• Medical Transcription Services

Employment Practices Liability Product

We have access to one of the premier Employment Practices Liability carriers in a nationwide survey of Agents and Brokers as well as many other highly rated carriers to get the best coverage at the best premium.

Allied Healthcare, Secure Data & Cyber Liability Product

Legislative mandated breach reporting and compliance is now an extremely costly business expense - A security breach costs an average of $202 per record with an average claim of $6.6 million (Ponemon Institute Study).

The American Recovery & Reinvestment Act (ARRA) was signed into law 2/09. The HITECH provisions of ARRA addresses changes in Privacy (Subtitle D) and increases HIPAA fines to $100,000 a NEW max of $1.5million.

Everyone and anyone that COLLECTS, STORES, and DISSEMINATES healthcare information now falls under these HITECH laws and are clearly exposed to the revised fines and penalties associated with HIPAA laws.

Eligible Risk Classes:
• Physical therapy clinics
• Physical therapy clinics
• Healthcare consultants
• Surgery centers
• Medical clinics
• Clinical Trials
• Drug/Alcohol abuse Rehab facilities
• Healthcare Staffing
• Nurse Registry
• Medical Laboratories
• MRI Centers
• Medical Transcription Service

COVERAGE AVAILABLE:
• Physical therapy cliNote that many International Organization for Standardization (ISO) exclusions exist for electronic information including explicit exclusions on almost all CGL and GL
coverage forms.
• Cyber coverage for 1st and 3rd party malicious code
• Secure Data coverage for breaches of GLB 401c, HIPAA, and states secure data laws
• Business Interruption for loss of revenue during security breach crisis
• Network Security Liability (Coverage for damage and defense costs suffered in wake of computer attacks on insured's network, including computer virus, unauthorized access, denial-of-service, disclosure of confidential information)
• Crisis Management reimbursement to remediate and control the incident including PR spin and media costs
• Intellectual Property for perils like trademark, copy write and patent infringement
• Errors and Omissions for malfeasance of the technology implementation team and their subcontractors associated with any professional technology service for a fee
• Personal Injury to cover defamation, invasion of privacy or related perils
• Call Center Support for costs associated with Q&A load from breached clients
• Legislative Compliancy for certain fines and costs associated with investigations and penalties
associated with HIPAA, GLB, etc.
• Cyber Extortion perils associated with malicious demands for pay off or threats in exchange for not releasing propriety or sensitive data.

Insurance Agencies & Brokerages Professional Liability

COVERAGE AVAILABLE:
•Content
• Punitive Damages where Insurable by Law
• Defense Outside the Limit
• First Dollar Defense
• No Mold or Pollution Exclusions
• Personal Injury
• Worldwide Coverage
• Limited Insolvency Exclusion
• Coverage for both Property/Casualty and Life Insurance sales
• Multi-Year Extended Reporting Options
• Automatic 60 Day Post Policy Reporting
• Optional Coverage for Independent Contractors
• Optional Coverage for Administrative Proceedings
Please Note: This is solely intended to be a summary of policy coverage's available. Please
reference the policy at all times. All terms and conditions of the policy supersede all
representations made above.

Additional Features
• Full Prior Acts Coverage Available
• Financial Planning Coverage Available

Capabilities
• Limits up to $10 million
• Primary or Excess Coverage
• Admitted Policy in Most States/ A+ to A++ Rated Carriers
• Expert Claims Handling
• Available in Most States
• Who is Covered?

Property and Casualty Insurance Agent/Broker
• Life, Accident And Health Insurance Agent/Broker
• Wholesale Broker
• Managing General Agent
• Program Administrator
• Third Party Administrator

Workplace Hazards for Employers & Employees Heating Up!

Overall claims of workplace discrimination continue to rise. New laws
protecting new "classes" of workers continue to emerge. In today's business
world, which is currently seeing or expecting:
• Large Layoffs/ Lost Jobs
• Disgruntled Former and Current Employees are not shy about suing their
employers for race and age discrimination, Sexual Harassment or Failure to Accommodate Persons with Disabilities.

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