Coverage for Employee Theft also available with the following optional coverages:

• Employee Theft of Client Property
• Forgery or Alterations including personal accounts of the proprietor, partners, officers and insured
• Theft, Disappearance & Destruction of Money & Securities
• Robbery & Safe Burglary of Other Property
• Counterfeit Money Orders and Currency
• Computer and Funds Transfer Fraud

Claim
Expansive definition of Claim which includes a claim for personal injury as defined in the policy, a written demand for monetary damage or non-monetary relief including (1) a civil adjudicatory proceeding or arbitration; (2) a formal administrative or regulatory adjudicatory proceeding; or (3) a formal civil, administrative or regulatory investigation.

Insured
Broad Insured Person definition which includes former partner, officer, director, or employee for professional services rendered at the time of such affiliation.

Loss
Broad Loss Definition that provides coverage for punitive, exemplary or multiple damages. Insurer may not challenge insured's reasonable determination of punitive damage insurability.

Subsidiary Coverage
Automatic subsidiary coverage.

Territory Coverage
Territory coverage applies worldwide.

Exclusions

• Owned entity exclusion applies only if owned corporation is than 20% owned (if privately held) or more than 10% owned (if publicly traded).
• Illegal profit exclusion applies only if it is established in a final adjudication by a judge jury or arbitrator that the insured gained illegal profit, remuneration or advantage. Acts of one insured person are not imputed to another insured person.
• Fraud exclusion applies only if it is established in a final adjudication by a judge, jury or arbitrator that the insured committed fraudulent or criminal acts with actual knowledge their wrongful nature or with intent to cause damage. Acts of insured person are not imputed to another insured person.

Exceptional Service and Claims Handling

Underwriting Authority
IHG issues all policies and endorsements in-house to ensure speed accuracy.

Specimen Policy
Specimen policy available by fax, mail, or online at www.ihginsurance.com.

New Business Application
Simplified new business application, available by fax, mail or online www.ihginsurance.com.

Claims Service
CNA's ability to manage claims in cooperation with our clients' in the expeditious and satisfactory resolution of claims.

Risk Management
Risk Management Professionals regularly develop risk management materials for insureds and are available to provide insureds with guidance in particular issues.

Policy Development
IHG and CNA are committed to continued policy development to respond to the needs and wants of the non-profit community association marketplace.

Continental Casualty Company, a CNA Member Company
Rated A (Excellent) XV by A.M. Best.

The information contained in this document is for general information only. It is intended to provide a general overview of the services and products offered. Only the policy can provide the actual terms, coverages, amounts, conditions and exclusions. All coverages are not available in all states. This document is not intended to be advertising or solicitation in states where the local regulations prohibit such usage.

If you are interested in learning more about this product, please contact:

Tom Coles
Ian H. Graham Insurance, Inc.
PO Box 7022
North Hollywood, CA 91615-0222
Phone: 800.621.2324 ext. 1348
Fax: 866.229.3754
Tom_Coles@asg.aon.com