CPGI- Brief on Terrorism Coverage

Overview:

Commonwealth Professional Group International (CPGI) has been a specialty MGU/broker since 1990. CPGI has developed a unique and comprehensive terrorism coverage program in conjunction with Lloyds. The “Secure One” program is designed to provide the Middle America with a cost-effective solution to their terrorism exposures.

Technical Background:

• No government certification of terror act required.
• Negotiated deductibles on individual risks or portfolio business
• Coverages: Property, GL, D&O, Business & Contingent business interruption
• Biological/Chemical Clean Up coverage available ($1,000,000)
• Aggregate limit up to $85,000,000 per location (higher limits available by referral)

Key Differences in the Market:

• Coverage does not require Federal certification process (immediate claim)
• Secure One provides coverage not readily available by standard terror covers
• Covers acts committed both international and domestic terrorists (unlike TRIA)
• Affordable minimum premium and deductible levels
• Broad coverage and available capacity

Target Markets:

• Commercial and Public exposures (geographic areas <1,000,000 in population)
• Premiums depend on coverages selected, types of risk and geographic location
• Types of business industries:
  • Associations/Affinity Groups
  • Commercial Risks
  • Community Banks
  • Community Hospitals
  • Hotels and Motels
  • Property Managers
  • Public Entities
  • Schools and Colleges
  • Real Estate Risks

Company Contacts:

• Joe Maurer (jamaurer@cpgins.com), John Smithson, Jim Fleming and Tim Foy
• Main Office:  Reading, PA  888-852-5203
• Fax  610-370-2779
• www.cpgins.com

For more information regarding the Comparison between TRIA 2006-2007 and SecureOne visit www.cpgins.com/files/Comprehensive_Terrorism_Coverage3.htm