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Who We Are Since 1912, we at Liberty Mutual have committed ourselves to providing broad, useful and competitively-priced insurance products and services to meet our customers' ever-changing needs. Our delivery on this commitment is the reason we’re now the third-largest property and casualty insurer in the U.S. based on 2010 net written premium, why we’ve earned an A.M. Best Co. ‘A’ (Excellent) rating, and why we have the breadth, depth and financial strength that you can always depend on - in the United States and around the world.

Property & General Liability Features Especially For Offices (Automatically Included!) General Liability Features Web XTEND Endorsement® is automatically provided for most Offices. Coverage includes personal injury, advertising injury and worldwide Web site injury protection (some restrictions apply). Property† Features Electronic Data. Processing Equipment, Data & Media: Coverage is included subject to the Business Personal Property limit, for a maximum of $50,000*. Coverage applies worldwide. Enhanced perils under this Coverage Extension include protection against loss by electrical current, mechanical breakdown and power failure. Off premises (including transit) coverage, backup data off premises coverage, and newly acquired equipment coverage is included up to $25,000. Interruption of Computer Operations coverage is included up to $25,000*. Equipment Breakdown: Coverage for Equipment Breakdown is included within applicable limits. Diagnostic equipment, power generating equipment, and production equipment are limited to $100,000* for direct damage. Service interruption of water, communication, or power supply services is covered from a covered breakdown (when Business Income and Extra Expense is covered). Valuable Papers and Records: Coverage is included up to $25,000* on and off premise. Includes the cost to research, replace or restore lost information.

Managed Health Care With A Conscience The overall mission of Managed Care Concepts (MC2) is to provide the highest level of professional counseling services to employees and their family members through the Employee Assistance Program (EAP) and Managed Mental Health Care Program. Professionals help members deal with personal and job related problems. We help increase their productivity at the workplace and offer clinical intervention to help prevent more serious problems from developing. Managed Care Concepts (MC2) is a Florida based, privately held company founded in 1993. We are not a subsidiary or an agent for any treatment provider or insurance company. Managed Care Concepts is a completely independent Employee Assistance Program (EAP) and Managed Mental Health Care Program. Therefore, we make treatment decisions that are in the best interest of the clients and the companies that we serve. We provide Employee Assistance Program (EAP) services to various companies in a wide range of industries across the United States and Canada. Some of these industries include health care, finance, manufacturing, schools, local government, entertainment and professional sports.

Medical Consultation, Evaluation & Referral Our Operations Center is staffed 24/7 by medically-certified, multilingual personnel who can evaluate, troubleshoot and make immediate recommendations for any emergency situation. When a call for help comes in, they put in motion Assist America’s vast English-speaking, Western-quality provider network to solve medical and non-medical emergencies anywhere in the world. Assist America members are assured of being directed to the most dependable healthcare and problem-solving resources by our highly trained team. Hospital Admission Guarantee Many countries maintain a non-obligatory attitude towards healthcare. That is, medical treatment—even in an emergency—is provided based on an individual’s ability to pay for it, and not as a basic right. Keep in mind that most domestic health insurance cards have very little significance or recognition in foreign lands. For international visitors to any country, an already complex medical emergency can be further complicated by financial snarls, usually at the most inopportune time. Assist America is deeply respected and connected worldwide, and because of this we can offer a hospital admission guarantee for our members often on our name alone. If necessary, we will advance funds directly to the treating facility to guarantee the best of care. Emergency Medical Evacuation It is no secret that the quality of healthcare varies widely from location to location. Assist America evens the odds by keeping up to date on medical resources in geographies all over the world. If a member becomes ill or injured in an area of the globe where appropriate care is not available, we will intervene and use whatever transportation, equipment and personnel are necessary to evacuate that individual safely to the nearest facility that meets our rigorous standards. And the full cost of any evacuation, including medical treatment while in transport, is paid by Assist America. Medical Monitoring. Our relationship with our members goes way beyond the initial phone call for help: we remain a connected, caring and medically savvy partner through the duration of any case. We maintain regular communication with the patient and attending medical staff, closely monitoring the quality and course of treatment, and we stay in close touch with the patient’s family to relay information as appropriate and provide support during what is almost always a confusing time. When a case is finished, we always make a final follow-up call to ensure everything has been taken care of satisfactorily. Members consistently report being pleasantly surprised at how invested and proactive we are about their welfare. Medical Repatriation There is no sweeter music to the ears of a patient than news from the doctor of being released to go home. Unfortunately, sometimes the mind’s enthusiasm is ahead of the body’s capabilities, especially for the physical challenges of a long journey after being debilitated. Assist America, when deemed medically necessary, will provide transportation home or to a specified health facility with a medical or non-medical escort as required. Prescription Assistance It is easy to replace a forgotten toothbrush on a trip, but when an “oops” hits because a prescription medication has been lost or left behind the solution is not so simple. Assist America works with the prescribing physician and a pharmacy in the area of travel to replace a member’s medicine. If necessary, we will arrange for the member to see a local doctor for a new prescription. Emergency Message Transmission Time differences, telecommunications issues and the general disorganization that comes with an injury or illness away from home can make communication between the patient and their loved ones difficult. Assist America will transmit emergency messages reliably between the patient, family, friends, employer or whoever else needs to stay in the information loop. Compassionate Visit Being compromised away from home is a stressful, intimidating experience for a patient, and being away from familiar faces and surroundings only makes it worse. At the same time, loved ones back home are often frantically worried. Assist America realizes that having a family member or friend present during a health crisis makes everyone feel more at ease and hastens the recuperation process. That is why we will arrange and pay the transportation costs for a loved one to join any member who is traveling alone and is expected to be hospitalized for more than seven days. Care of Minor Children Members who become sick or injured while traveling can sometimes be presented with a dilemma about caring for their dependent children, but Assist America is there to help. If a child is left unattended due to an injury or illness of an accompanying parent we will arrange and pay for them to return home to a family member, or we will arrange childcare locally. We will also arrange care of children at home who are left unattended due to the parent’s unexpected absence. This could include transporting children to another family member, bringing a family member to the children or whatever other solution is necessary. Return of Mortal Remains In the unfortunate event that a covered individual passes away while traveling, Assist America will arrange and pay for the necessary paperwork, body preparations and transport to bring the mortal remains home. Families who have experienced loss of a loved one have consistently thanked us for offering this service, saying it is a source of true comfort both emotionally and financially in times of great sadness. Lost Luggage or Document Assistance Lost luggage or personal documents can turn quickly from a small nuisance into a major hassle, restricting plans and affecting travel itineraries. Assist America works with airlines to recover and deliver lost bags, liaises with transportation companies to replace lost travel tickets and contacts necessary agencies to solve issues of lost passports and other documents. Interpreter & Legal Referral Medical emergencies are not the only predicaments that our members face. Assist America can make recommendations for trustworthy legal counsel and interpreter services in any country. Bail bonds can be coordinated in jurisdictions where they are legal. Pre-Trip Information To help make our members the most informed and prepared travelers they can be, we offer comprehensive pre-trip insights on the Assist America website. Members can review country profiles, visa requirements, immunization regulations, security advisories right from our homepage. And Much More... Not all emergencies are created equal. Assist America is committed to resolving the emergencies of our participants—whatever it takes—in whatever custom fashion is necessary for each individual situation. And we have the talent and resources to do so.

Smart's Publishing Smart’s Publishing has a long history as a publisher for the financial services industry. We publish Smart’s California Insurance Report (formerly Smart’s Insurance Bulletin), which has covered the insurance industry continuously since 1953. Our writers have extensive experience and credibility in the insurance industry. We understand that when your name is on the front page, you want the best – and nothing less will do. Content Created by People Who Understand Marketing… and Insurance Founder James Whitaker began as an underwriter in 1975. In 1988, he started a public relations and advertising firm, with the insurance industry as his niche. In 1989, James Whitaker & Associates launched Insurance Update (later called Insurance Buyers’ News), a custom client newsletter sponsored by the Western Association of Insurance Brokers. In 1992, James Whitaker & Associates purchased Smart’s Insurance Bulletin, started by Art Smart in 1953 to report on the California insurance industry. Soon thereafter, we became who we are today – Smart’s Publishing. We now offer a full line of custom client newsletters for insurance and real estate professionals, along with the service and technical innovations that clearly separate us from the competition

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