1. Risk & Insurance for AESA Members From USI Insurance Services
November 2018
Ed Fugo| Cam Schilling | Max Monbouquette

2. What Makes USI Different?
Today’s Agenda
Introductions
About USI
Introducing the OMNI | Audit | Learning Experience
Business Insurance Solutions
AESA Cyber Insurance Program
SERRC Case Study
Next Steps
© USI Insurance Services. All rights reserved

3. USI Brings Material Value to AESA
USI’s AESA Team
Dedicated team of professionals
Average tenure 20 years
Connected with colleagues in 140 US offices
Specialties aligned with the needs of ESAs
Wide array of technical resources, including claims, safety, and analytics
Resources to help improve employee health by changing behaviors
Ongoing commitment of time and investment in hundreds of non-profit organizations
#1 privately-held broker in the US
USI Office Locations         
Commercial
P&C
Employee
Benefits
Personal
Risk

4. What Makes USI Different? USI ONE ADVANTAGE ®
Our Long Term Risk Management Strategy
Omni – proprietary analytical tool--Knowledge engine derived from more than 100,000 clients, thousands of professionals and over 100 years of doing business at USI through our acquired agencies – united within one real-time, proprietary, interactive platform.
Network---Local technical expertise networked nationally with over 4,000 professionals nationwide to build integrated client centered teams.
Enterprise: Strategic Planning - Integrated client centered teams in structured round table breadth, depth, dollar solutions development using proprietary knowledge engine customized for each client
USI ONE Advantage - output
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© USI Insurance Services. All rights reserved

5. Professional Liability Employment Practices Liability
Property & Casualty Offerings
Protecting Assets by Addressing Perils Associated with Education
Professional Liability
Business
Income
Cyber
Workers Compensation
Property
D&O Liability
General
Liability
Employment Practices Liability
Auto
Inland Marine
Risk
Control
Umbrella
Earthquake
& Flood
Claims
Advocacy
Risk
Analytics

6. 1 OMNI 2 Audit 3 Learning Experience
USI’s Process for Delivering Solutions for AESA Members 1
OMNI
Proprietary knowledge engine
Data analytics and proven solutions 2
Audit
Insurance program review for coverage gap and cost savings analysis 3
Learning Experience
Analyze and share key findings with you
Enhanced coverage results with focus on savings

7. USI ONE® OMNI Knowledge Engine™
Real-time knowledge base
Captures experience and expertise of thousands of professionals
Reflects lessons from 100 years of meeting the needs of more than 100,000 clients
Proprietary analytics
Actionable solutions engine
Timely updates
Measurable financial impact
© USI Insurance Services. All rights reserved
© USI Insurance Services. All rights reserved

8. USI ONE® Let Us Show You How It Works
Data Entry USI enters specific data into OMNI engine including industry, region, revenues, and employee total
Premium Analytics The OMNI engine uses data to compare to similar USI clients in order to develop conceptual premium by line
Coverage Line Selection USI representatives select specific coverage lines to evaluate solutions and financial impact
© USI Insurance Services. All rights reserved
© USI Insurance Services. All rights reserved

9. USI ONE® Let Us Show You How It Works
Proven Solutions USI can review a number of proven solutions by line of coverage
Cost Savings Each solution has a cost savings analysis completed for financial impact
Case Study and Information Each solution has relevant case studies, learning material, and additional information helpful to understanding the impact of the solution
© USI Insurance Services. All rights reserved
© USI Insurance Services. All rights reserved

10. USI ONE® Let Us Show You How It Works
Potential Savings Report Provides estimated premium savings for a solution by solution basis
Coverage Exposure includes adjusted exposure report for solutions that impact potential exposure
Actionable Solutions with Real impact USI uses these values as a benchmark when marketing clients’ insurance programs
© USI Insurance Services. All rights reserved
© USI Insurance Services. All rights reserved

11. A Comprehensive, Holistic Review of Your Property & Casualty Program
USI Program Audit & Review
Deep Analysis of Current Program USI completes thorough review of current policies
Coverage Improvement USI specialists look for areas of coverage improvement both in terms of limits, coverage grants, and exclusions
Focus on Total Cost of Risk USI provides analysis of where rates can be reduced and coverage gaps can be narrowed to reduce fixed and variable costs
Yes, No, N/A boxes for each coverage item
General comments for each applicable section
Coverage line by coverage line audit of potential gaps
Cumulative review comments, concerns, suggestions, etc. at end of audit form
A Comprehensive, Holistic Review of Your Property & Casualty Program

12. Perceived Coverage Gap USI Solution Associated Risk Level
USI Learning Experience
Process
Perceived Coverage Gap
USI Solution
Associated Risk Level
Financial Impact
A Learning Experience allowing AESA members to see the value in the review of their program

13. Cyber Risk in Education

14. Cyber and Privacy Risk Exposures in the Education Sector
Posting of Private Documents Online
Ransomware and Cyber Extortion
Unauthorized Access or Release of Information
Lost Laptops, Smart Phones, Thumb Drives
Data Destruction by Insider (rogue employee)
Cyber Incident Map
(as of August 31st, 2018)

15. What does a COMPLETE Cyber and Privacy Risk Policy Address?
Network Security/Privacy Liability
Media Liability
Breach Response
Crisis Management
Data Restoration
Cyber Extortion
Business Interruption, including Contingent
Regulatory Defense, including Fines & Penalties
PCI, including Fines & Penalties
Cyber Crime, including Social Engineering
Various Pre and Post Breach Services
© USI Insurance Services. All rights reserved

16. Cyber Insurance Program for AESA Members
We heard you! USI built a cyber insurance program for AESA members and the school districts you serve. Our AESA Cyber Insurance program includes:
Free Penetration Test and Vulnerability Scan of current environment
Best in-class coverage at below market rates
Suite of Cybersecurity services (DDoS mitigation, Ransomware Prevention, etc.)
Ongoing credential monitoring
Team of former intelligence officers as breach coaches

17. AESA Cyber Insurance Program Penetration Test
Benchmark security ranking
Recommendations for improvement
List of compromised s
List of detected vulnerabilities

18. AESA Cyber Insurance Program Coverage Highlights
AESA Cyber Program
Others

19. AESA Cyber Insurance Program Cybersecurity Services
The entirety of the services come free to policyholders and are initiated by our insurance carrier

20. Lack of understanding about threats
Cyber Reasons entities don’t buy?
Common Cyber cover misconceptions:
Lack of understanding about threats
Misguided belief that they aren’t a target
Assume cost of Cyber or Privacy Insurance is too high
But I’m immune/have governmental immunity!
I have 3rd party IT vendor(s) and they will address the response and cost need in case of an incident.
Bonus Reason: IT has it all covered – all the time

21. Sheryl Weinberg from Southeast Regional Resource Center
SERRC Case Study
Sheryl Weinberg from Southeast Regional Resource Center
Sheryl Weinberg is the Executive Director of SERRC and a member of the AESA Executive Council
USI gave an Educational Entity Cyber Insurance Presentation in Juneau for Superintendents of School Districts SERRC services
USI performed the OMNI Audit Learning Experience with Sheryl on SERRC’s Property & Casualty Program

22. OMNI Audit Learning Experience?
Next Steps
What are the steps for the
OMNI Audit Learning Experience?
Step 1: Contact USI for initial discussion
Step 2: Send electronic copies of complete insurance policies
Step 3: Schedule meeting to discuss results
A Lasting Partnership With USI
© USI Insurance Services. All rights reserved

23. A Lasting Partnership With USI
Questions?
THANK YOU!
A Lasting Partnership With USI
© USI Insurance Services. All rights reserved