Special Coverage Features for Small Businesses

The ForeFront Portfolio^® is a comprehensive insurance product comprised of nine coverage parts that is designed to be flexible so it can be tailored to your specific needs. For instance, you can choose one, two, or any number of coverages, as well as individual limits for each coverage part, or a combined aggregate limit for your liability coverage parts. The ForeFront Portfolio's. flexibility also means that, as your firm grows, your insurance coverage can grow to meet your changing needs.

Small private companies with fewer than 250 employees have access to special coverage features, available only to you:

• Option for separate $1 million defense cost insurance for each coverage selected: Under The ForeFront Portfolio^® , you may qualify for a separate, additional limit of liability for defense costs. This option allows you to increase your available insurance and help protect against one of your most costly exposures — paying defense costs.
• Short and simple application form: We understand your business and only ask for essential information. This speeds application approval and premium quoting.

Additional benefits

When purchasing The ForeFront Portfolio^® Employment Practices Liability Insurance (EPLI) coverage, you may qualify for:

• Lower retention for The ForeFront Portfolio^® EPLI coverage part (as low as $2,000); this lower deductible reduces out-of-pocket costs should your company face an employment practices lawsuit
• No retention on "Side A" The ForeFront Portfolio^® Directors and Officers (D&O) Liability Insurance coverage part

The ForeFront Portfolio^® is available through Chubb-appointed retail agents.