Critical Path - Coverage Map
Please input your HUB email address. You'll receive a copy of your results after completing this worksheet which you then can attach to EPIC.
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E-mail
*
Please input your full HUB email address e.g. firstname.lastname@hubinternational.com. Check your spelling!
Select your Sales VP
*
Andrew Langley
Ben Salt
Brady Jepsen
Greg McDonald
Francis Ho
Shawna Kirkwood
Laura Pilgrim
Sales VP Email Address
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Your Client Info
Client Name
*
EPIC Lookup Code
Expiry Date
*
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Month
-
Day
Year
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Coverage Map - Physical Asset Risk
Please check the risks that the client is currently insured against or choose "none" if nothing applies.
Property Insurance
*
Fire
Water Damage
Flood
Sewer Backup
Earthquake
Computer Equipment
Business Interruption (BI)
Contingent BI
Extra Expense
Cargo Insurance
Machinery Breakdown
Valuable Papers & Records
Vehicles Physical Damage
Owned Building
Tenants Improvements
Transit
Fine Art
None
Coverage Map - Legal Risk
Please check the risks that the client is currently insured against or choose "none" if nothing applies.
Commercial Liability Insurance
*
Bodily Injury Liability
Property Damage Liability
Environmental Liability
Tenants Legal Liability
Personal Injury Liability
Advertising Injury Liability
Employers Liability
Non-Owned Automobiles
Vehicles
Umbrella
Excess Liability
Employee Benefits Liability
None
Management Liability
*
Directors & Officers
Securities Actions
Employment Practices
Statutory Liabilities
Antitrust
Competitor Disputes,
Fiduciary Liabilities
Side A DIC
None
Errors & Omissions Insurance
*
Financial Damage to Customers and Third Parties
Intellectual Property Rights Infringement
Disclosure of Confidential Information
Product Recall
Professional E&O Liability
None
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Coverage Map - People Risk
Please check the risks that the client is currently insured against or choose "none" if nothing applies.
Crime
*
Employment Dishonesty
Theft
Cash
Depositor's Forgery
False Pretence
Electronic Funds Transfer
Social Engineering
Investigative Costs
None
Employee Benefits Programs / Key Man
*
Group Life & Long Term Disability
Voluntary Benefits
Kidnap & Ransom
Travel Accident
Medical
Worker's Compensation
Wellness Programs
Key Person Life
Group Personal Excess
Emergency Assistance
Health & Dental
None
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Coverage Map - Other Risks
Please check the risks that the client is currently insured against or choose "none" if nothing applies.
Other Risks
*
Surety/Bonding
Terrorism
Reps & Warranties
Political Risk
WSIB Audits
Drones/Owned Aviation
Cross Border/Worldwide
Cyber Data Risk
Trade Credit
Personal Insurance
Non-Owned Aviation
Event Cancellation
Legal Expense
Deductible buy-down
None
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Coverage Recommendations
Please select up to three coverage's that you recommend the insured consider, whether it be a new coverage or an increased limit on an existing coverage.
Recommended Coverage #1
*
Business Interruption
Property Insurance
Equipment Breakdown / Boiler & Machinery
Cargo Insurance / Property in Transit
General Liability
Excess / Umbrella Liability
Environmental Liability
Directors & Officers
Employment Practices
Fiduciary Liability
Product Recall
Employee Dishonesty / Money & Securities
Cyber Liability/Social Engineering
Employee Benefits
Other
None
Details for Coverage #1
Select a Claims Example for Business Interruption
A pipe bursts leaving the premises under 3 feet of water - repairs and replacement machinery meant business was down for months.
A production facility was heavily damaged. Damages were repaired within 5 months but normal level of operations was not achieved until 16 months after the date of loss.
Following a fire it takes over a year for required permits and authorizations to re-build to be issued.
Other
Select a Claims Example for Property Insurance
An employee accidentally hits a sprinkler head while undertaking a simple repair, resulting in serious damage to furniture and floors.
The floors and walls of a building are damaged by sewage that backs up from a clogged sewer pipe.
Property was not insured to value resulting in owner co-sharing loss.
Other
Select a Claims Example for Equipment Breakdown/Boiler & Machinery
A/C system overheating resulted in a loss of over $100,000
A power surge damaged a service station's electronics, including the computerized diagnostic system, telephone, paging system and the security system.
A cracked refrigeration system resulted in a $28,000 loss in addition to contamination of fresh food items.
Other
Select a Claims Example for Cargo Insurance/Property in Transit
A train car carrying the insured cargo is derailed resulting in loss or damage to the cargo.
Thieves steal a truck and load a shipping container onto it, driving away with the shipping container.
A driver for a trucking firm hauling goods of others falls asleep at the wheel and goes off the road damaging the customer's cargo.
Other
Select a Claims Example for General Liability
A business owner faced a huge lawsuit when a customer visiting their premises slipped and fell on a wet floor.
Tenant's Legal Liability - A tenant causes property damage to the building and equipment in their landlord's property.
An item falls off a shelf in a store, injuring a child and resulting in a lawsuit.
Other
Select a Claims Example for Excess/Umbrella Liability
Faulty workmanship resulted in a serious fire. The final claim settlement was for $3.5 million.
A jury awarded $20 million to the family of a woman killed when using a company's product. The umbrella policy paid the amount over and above the limits of the general liability policy.
An employee rear-ended a car while delivering products killing a passenger in the car. The final claim was settled for $8 million which was higher than the company's insurance limits.
Other
Select a Claims Example for Environmental Liability
An employee tasked with disposing of cleaning chemicals used on site at the end of the day did not dispose chemicals properly and the chemicals were leaked into the waterways.
An HVAC contractor is held responsible for an improperly fitted filter on a customer's oil tank that resulted in an oil leak into the drain and the run-off stream downhill.
A fuel company is held liable when a tank overflows while being filled and contaminating the work site.
Other
Select a Claims Example for Directors & Officers
During an M&A a company faced claims the financial statements were fraudulent, subsequently facing a lawsuit that cost the Directors and Officers $8 million to defend.
The directors of a publishing company were sued during the transition between second and third generation of management. The lawsuit was settled out of court only after significant legal fees were expended by the company.
A company spent $28 million to defend a human rights lawsuit that was eventually settled for $300,000.
Other
Select a Claims Example for Employment Practices
A dismissed employee sued his former employer for wrongful dismissal, alleging he was fired in retaliation for organizing staff to object the dress code resulting in the policy covering the $45,000 required to successful defend the case.
A former employee files a human rights complaint alleging she was discriminated against due to race, colour, ancestry, and ethnic origin. She succeeded in her complaint and the insurer incurred defense costs of $65,000.
An employer faced a lawsuit for failing to uphold their duty to provide a safe workplace by employees alleging threats & physical assault by their immediate supervisor.
Other
Select a Claims Example for Fiduciary Liability
A group of employees alleged their plan administrator improperly delayed transferring fund balances as directed resulting in $1 million in lost income. They sued for $1.25 million dollars and defense costs amounted to $150,000.
Health plan participants sued the plan's trustee alleging the trustee did not monitor the performance of its 3rd party administrator and paid excessive fees. Damages and defense expenses totaled $530,000.
Trustees of six plans were accused of improperly investing plan assets in a residential real estate development loan that defaulted. Damages and defense costs totaled $550,000.
Other
Select a Claims Example for Product Recall
An artisan cheese maker faced a broad recall of their products due to a possible listeria contamination.
A natural products producer recalled their products following tests revealing a number of products were potentially contaminated.
A clothing manufacturer's child’s jacket was recalled due to posing a choking hazard for children because of a drawstring in a risky place.
Other
Select a Claims Example for Employee Dishonesty/Money & Securities
Over a period of 5 years, an company's accountant misappropriated $855,000 by altering cheques received from debtors.
An 10 year employee who was also a family member, stole $126,000 over two year span while working in the office.
Night deposit was stolen when an employee deposited a significant amount of cash in a night deposit box that had been tampered with.
Other
Select a Claims Example for Cyber Liability/Social Engineering
Low level staffers were tricked into transferring several million dollars into a scammer's bank account. Fraudsters created a website that resembled the domain site of the businesses main supplier which they used to impersonate the supplier.
An engineering firm with $18 million in turnover was suddenly hit with a ransomware virus encrypting their server rendering it inoperable. The hacker demanded $10,000 in bitcoin to provide the decryption code.
Malware on a retailer's website resulted in the potential exposure of nearly 50,000 customers to an unauthorized third party.
Other
Select an Example for Employee Benefits
Group benefits consulting including design, funding and underwriting arrangements; carrier negotiations, flexible benefit programs, employee benefits communications, and much more.
Voluntary employee and retiree benefits that are fully customization, 100% employee funded with no administration required by company.
Group retirement plan consulting including plan governance program development, provider comparisons, fund manager performance evaluation, RRSPs, Individual pension plans, retirement counselling, and more.
Other
Claims Example for Coverage #1
Limit Recommendation for Coverage #1
*
Additional Premium for Coverage #1
*
Notes and/or additional claims example - Coverage #1
0/30
Recommended Coverage #2
*
Business Interruption
Property Insurance
Equipment Breakdown / Boiler & Machinery
Cargo Insurance / Property in Transit
General Liability
Excess / Umbrella Liability
Environmental Liability
Directors & Officers
Employment Practices
Fiduciary Liability
Product Recall
Employee Dishonesty / Money & Securities
Cyber Liability / Social Engineering
Employee Benefits
Other
None
Details for Coverage #2
Coverage # 2 - Select a Claims Example for Business Interruption
A pipe bursts leaving the premises under 3 feet of water - repairs and replacement machinery meant business was down for months.
A production facility was heavily damaged. Damages were repaired within 5 months but normal level of operations was not achieved until 16 months after the date of loss.
Following a fire it takes over a year for required permits and authorizations to re-build to be issued.
Other
Coverage #2 - Select a Claims Example for Property Insurance
An employee accidentally hits a sprinkler head while undertaking a simple repair, resulting in serious damage to furniture and floors.
The floors and walls of a building are damaged by sewage that backs up from a clogged sewer pipe.
Property was not insured to value resulting in owner co-sharing loss.
Other
Coverage #2 - Select a Claims Example for Equipment Breakdown/Boiler & Machinery
A/C system overheating resulted in a loss of over $100,000.
A power surge damaged a service station's electronics, including the computerized diagnostic system, telephone, paging system and the security system.
A cracked refrigeration system resulted in a $28,000 loss in addition to contamination of fresh food items.
Other
Coverage #2 - Select a Claims Example for Cargo Insurance/Property in Transit
A train car carrying the insured cargo is derailed resulting in loss or damage to the cargo.
Thieves steal a truck and load a shipping container onto it, driving away with the shipping container.
A driver for a trucking firm hauling goods of others falls asleep at the wheel and goes off the road damaging the customer's cargo.
Other
Coverage #2 - Select a Claims Example for General Liability
A business owner faced a huge lawsuit when a customer visiting their premises slipped and fell on a wet floor.
Tenant's Legal Liability - A tenant causes property damage to the building and equipment in their landlord's property.
An item falls off a shelf in a store, injuring a child and resulting in a lawsuit.
Other
Coverage #2 - Select a Claims Example for Excess/Umbrella Liability
Faulty workmanship resulted in a serious fire. The final claim settlement was for $3.5 million.
A jury awarded $20 million to the family of a woman killed when using a company's product. The umbrella policy paid the amount over and above the limits of the general liability policy.
An employee rear-ended a car while delivering products killing a passenger in the car. The final claim was settled for $8 million which was higher than the company's insurance limits.
Other
Coverage #2 - Select a Claims Example for Environmental Liability
An employee tasked with disposing of cleaning chemicals used on site at the end of the day did not dispose chemicals properly and the chemicals were leaked into the waterways.
An HVAC contractor is held responsible for an improperly fitted filter on a customer's oil tank that resulted in an oil leak into the drain and the run-off stream downhill.
A fuel company is held liable when a tank overflows while being filled contaminating the work site.
Other
Coverage #2 - Select a Claims Example for Directors & Officers
During an M&A a company faced claims the financial statements were fraudulent, subsequently facing a lawsuit that cost the Directors and Officers $8 million to defend.
The directors of a publishing company were sued during the transition between second and third generation of management. The lawsuit was settled out of court only after significant legal fees were expended by the company.
A company spent $28 million to defend a human rights lawsuit that was eventually settled for $300,000.
Other
Coverage #2 - Select a Claims Example for Employment Practices
A dismissed employee sued his former employer for wrongful dismissal, alleging he was fired in retaliation for organizing staff to object the dress code resulting in the policy covering the $45,000 required to successful defend the case.
A former employee files a human rights complaint alleging she was discriminated against due to race, colour, ancestry, and ethnic origin. She succeeded in her complaint and the insurer incurred defense costs of $65,000.
An employer faced a lawsuit for failing to uphold their duty to provide a safe workplace by employees alleging threats & physical assault by their immediate supervisor.
Other
Coverage #2 - Select a Claims Example for Fiduciary Liability
A group of employees alleged their plan administrator improperly delayed transferring fund balances as directed resulting in $1 million in lost income. They sued for $1.25 million dollars and defense costs amounted to $150,000.
Health plan participants sued the plan's trustee alleging the trustee did not monitor the performance of its 3rd party administrator and paid excessive fees. Damages and defense expenses totaled $530,000.
Trustees of six plans were accused of improperly investing plan assets in a residential real estate development loan that defaulted. Damages and defense costs totaled $550,000.
Other
Coverage #2 - Select a Claims Example for Product Recall
An artisan cheese maker faced a broad recall of their products due to a possible listeria contamination.
A natural products producer recalled their products following tests revealing a number of products were potentially contaminated.
A clothing manufacturer's child’s jacket was recalled due to posing a choking hazard for children because of a drawstring in a risky place.
Other
Coverage #2 - Select a Claims Example for Employee Dishonesty/Money & Securities
Over a period of 5 years, an company's accountant misappropriated $855,000 by altering cheques received from debtors.
An 10 year employee who was also a family member, stole $126,000 over two year span while working in the office.
Night deposit was stolen when an employee deposited a significant amount of cash in a night deposit box that had been tampered with.
Other
Coverage #2 - Select a Claims Example for Cyber Liability/Social Engineering
Low level staffers were tricked into transferring several million dollars into a scammer's bank account. Fraudsters created a website that resembled the domain site of the businesses main supplier which they used to impersonate the supplier.
An engineering firm with $18 million in revenue was suddenly hit with a ransomware virus encrypting their server rendering it inoperable. The hacker demanded $10,000 in bitcoin to provide the decryption code.
Malware on a retailer's website resulted in the potential exposure of nearly 50,000 customers to an unauthorized third party.
Other
Coverage #2 - Select an Example for Employee Benefits
Group benefits consulting including design, funding and underwriting arrangements; carrier negotiations, flexible benefit programs, employee benefits communications, and much more.
Voluntary employee and retiree benefits that are fully customization, 100% employee funded with no administration required by company.
Group retirement plan consulting including plan governance program development, provider comparisons, fund manager performance evaluation, RRSPs, Individual pension plans, retirement counselling, and more.
Other
Claims Example for Coverage #2
Limit Recommendation for Coverage #2
*
Additional Premium for Coverage #2
*
Notes and/or additional claims example - Coverage #2
0/30
Recommended Coverage #3
*
Business Interruption
Property Insurance
Equipment Breakdown / Boiler & Machinery
Cargo Insurance / Property in Transit
General Liability
Excess / Umbrella Liability
Environmental Liability
Directors & Officers
Employment Practices
Fiduciary Liability
Product Recall
Employee Dishonesty / Money & Securities
Cyber Liability / Social Engineering
Employee Benefits
Other
None
Details for Coverage #3
Coverage # 3 - Select a Claims Example for Business Interruption
A pipe bursts leaving the premises under 3 feet of water - repairs and replacement machinery meant business was down for months.
A production facility was heavily damaged. Damages were repaired within 5 months but normal level of operations was not achieved until 16 months after the date of loss.
Following a fire it takes over a year for required permits and authorizations to re-build to be issued.
Other
Coverage #3 - Select a Claims Example for Property Insurance
An employee accidentally hits a sprinkler head while undertaking a simple repair, resulting in serious damage to furniture and floors.
The floors and walls of a building are damaged by sewage that backs up from a clogged sewer pipe.
Property was not insured to value resulting in owner co-sharing loss.
Other
Coverage #3 - Select a Claims Example for Equipment Breakdown/Boiler & Machinery
A/C system overheating resulted in a loss of over $100,000.
A power surge damaged a service station's electronics, including the computerized diagnostic system, telephone, paging system and the security system.
A cracked refrigeration system resulted in a $28,000 loss in addition to contamination of fresh food items.
Other
Coverage #3 - Select a Claims Example for Cargo Insurance/Property in Transit
A train car carrying the insured cargo is derailed resulting in loss or damage to the cargo.
Thieves steal a truck and load a shipping container onto it, driving away with the shipping container.
A driver for a trucking firm hauling goods of others falls asleep at the wheel and goes off the road damaging the customer's cargo.
Other
Coverage #3 - Select a Claims Example for General Liability
Faulty workmanship resulted in a serious fire. The final claim settlement was for $3.5 million.
Tenant's Legal Liability - A tenant causes property damage to the building and equipment in their landlord's property.
An item falls off a shelf in a store, injuring a child and resulting in a lawsuit.
Other
Coverage #3 - Select a Claims Example for Excess/Umbrella Liability
A business owner faced a huge lawsuit when a customer visiting their premises slipped and fell on a wet floor.
A jury awarded $20 million to the family of a woman killed when using a company's product. The umbrella policy paid the amount over and above the limits of the general liability policy.
An employee rear-ended a car while delivering products killing a passenger in the car. The final claim was settled for $8 million which was higher than the company's insurance limits.
Other
Coverage #3 - Select a Claims Example for Environmental Liability
An employee tasked with disposing of cleaning chemicals used on site at the end of the day did not dispose chemicals properly and the chemicals were leaked into the waterways.
An HVAC contractor is held responsible for an improperly fitted filter on a customer's oil tank that resulted in an oil leak into the drain and the run-off stream downhill.
A fuel company is held liable when a tank overflows while being filled contaminating the work site.
Other
Coverage #3 - Select a Claims Example for Directors & Officers
During an M&A a company faced claims the financial statements were fraudulent, subsequently facing a lawsuit that cost the Directors and Officers $8 million to defend.
The directors of a publishing company were sued during the transition between second and third generation of management. The lawsuit was settled out of court only after significant legal fees were expended by the company.
A company spent $28 million to defend a human rights lawsuit that was eventually settled for $300,000.
Other
Coverage #3 - Select a Claims Example for Employment Practices
A dismissed employee sued his former employer for wrongful dismissal, alleging he was fired in retaliation for organizing staff to object the dress code resulting in the policy covering the $45,000 required to successful defend the case.
A former employee files a human rights complaint alleging she was discriminated against due to race, colour, ancestry, and ethnic origin. She succeeded in her complaint and the insurer incurred defense costs of $65,000.
An employer faced a lawsuit for failing to uphold their duty to provide a safe workplace by employees alleging threats & physical assault by their immediate supervisor.
Other
Coverage #3 - Select a Claims Example for Fiduciary Liability
A group of employees alleged their plan administrator improperly delayed transferring fund balances as directed resulting in $1 million in lost income. They sued for $1.25 million dollars and defense costs amounted to $150,000.
Health plan participants sued the plan's trustee alleging the trustee did not monitor the performance of its 3rd party administrator and paid excessive fees. Damages and defense expenses totaled $530,000.
Trustees of six plans were accused of improperly investing plan assets in a residential real estate development loan that defaulted. Damages and defense costs totaled $550,000.
Other
Coverage #3 - Select a Claims Example for Product Recall
An artisan cheese maker faced a broad recall of their products due to a possible listeria contamination.
A natural products producer recalled their products following tests revealing a number of products were potentially contaminated.
A clothing manufacturer's child’s jacket was recalled due to posing a choking hazard for children because of a drawstring in a risky place.
Other
Coverage #3 - Select a Claims Example for Employee Dishonesty/Money & Securities
Over a period of 5 years, an company's accountant misappropriated $855,000 by altering cheques received from debtors.
An 10 year employee who was also a family member, stole $126,000 over two year span while working in the office.
Night deposit was stolen when an employee deposited a significant amount of cash in a night deposit box that had been tampered with.
Other
Coverage #3 - Select a Claims Example for Cyber Liability/Social Engineering
Low level staffers were tricked into transferring several million dollars into a scammer's bank account. Fraudsters created a website that resembled the domain site of the businesses main supplier which they used to impersonate the supplier.
An engineering firm with $18 million in revenue was suddenly hit with a ransomware virus encrypting their server rendering it inoperable. The hacker demanded $10,000 in bitcoin to provide the decryption code.
Malware on a retailer's website resulted in the potential exposure of nearly 50,000 customers to an unauthorized third party.
Other
Coverage #3 - Select an Example for Employee Benefits
Group benefits consulting including design, funding and underwriting arrangements; carrier negotiations, flexible benefit programs, employee benefits communications, and much more.
Voluntary employee and retiree benefits that are fully customization, 100% employee funded with no administration required by company.
Group retirement plan consulting including plan governance program development, provider comparisons, fund manager performance evaluation, RRSPs, Individual pension plans, retirement counselling, and more.
Other
Claims Example for Coverage #3
Limit Recommendation for Coverage #3
*
Additional Premium for Coverage #3
*
Notes and/or additional claims example - Coverage #3
0/30
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