Expanding Accident & Health Coverage at NSM Emily McCann Kevin Nguyen John Coppinger

Agenda Accident and Health Overview Expanding A&H in Existing Programs Definition SWOT Analysis Where is A&H Already Offered? Expanding A&H in Existing Programs CPS B&W ATP New Program Proposal: Special Events What is it? Market Overview Policy Details Acceptable Classes Possible Exposures Website & App Example Quotes Educating the Buyer Marketing Self-Insurance Conclusion/A&H Expansion Overview Q&A

Accident & Health Coverage Overview

Definition Accident & Health Accident and Health coverage offers protection when: A no-fault injury occurs Injured party was not an employee Accidental Medical Expenses Short-term Disability Long-term Disability Date

SWOT Analysis Weakness Strength Opportunity Threat - Difficult Sell - Low Claims - High Profit Weakness - Difficult Sell - Small Premiums - Need to Educate the Buyer Opportunity - Expand in Existing Programs - New Program Threat

Where is A&H Already Offered? Sports & Wellness Coverage is mandatory in all policies. True Transport Insure Coverage offered as part of Occupational Accident coverage. Addiction Treatment Providers Sold through Retail

Expanding A&H Offerings in Existing Programs

Care Providers Volunteer Coverage Goal: Offer it without making it harder to sell policies Proposal: list as optional coverage in quote

Brewery & Winery

Addiction Treatment Providers

New Program Proposal: Special Events Insurance

Special Events Insurance Accident & Health Liquor Liability Sex Abuse Premises Liability Event Cancellation General Liability What is it? Package Policy Direct-to-Consumer Box Underwriting

Special Events Insurance Market Overview 1.8 million meetings and events occur in the US each year Effect of the industry on the GDP totals $393 billion 4.8% annual growth No companies with a dominant market share = greater competition

Special Events Insurance Policy Details Competitors NSM vs

Special Events Insurance Acceptable Classes

Special Events Insurance Possible Exposures (talk about how we can reduce our exposure with recommended limits, deductibles, co-pays elimination period for wages, sex abuse – participant to show runner, larger events, in a different class with higher premiums)

Special Events Insurance Website and App

Special Events Insurance Example Quotes Dog Show Wedding

Special Events Insurance Educating the Buyer

Special Events Insurance Marketing Target Event Planners Google AdWords Cross-Sell in Existing Programs 4Paws Condon Skelly, Heacock & ACI Brewery & Winery Sports & Wellness Addiction Treatment Providers Care Providers Global Coverage Program

Special Events Insurance Self-Insurance

A&H Expansion Overview Existing Programs Special Events Program Expand A&H Offerings in: Addiction Treatment Providers Brewery & Winery Care Providers Direct-to-consumer Package Policy Box Underwriting

Questions & Answers

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