Products. Terms. Target Markets. Event Cancellation & Non-Appearance. Weather Guard. Prize/Promotions & Over Redemption

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1 Products Terms Target Markets Event Cancellation & Non-Appearance Event Cancellation Cancellation, Abandonment, Interruption, Curtailment, Postponement & Relocation All Cause Examples of loss events include fire, flood, power failure, snowstorm, severe adverse weather, earthquake Some additional coverage add-ons: communicable disease, terrorism (act or threat), war, etc. On-line broker access portal quote to bind document generation. BeazleyAccess.com Non-Appearance Death, Accident, Illness or Travel Delay of key speaker, performer Death, Disablement and Disgrace for celebrities in promotional or advertising campaigns Catastrophic non-appearance USD 50m E.C. USD 7.5m N.A. Up to 3 year policy terms Ascertained net loss indemnity based on Expenses or Revenues First year events, Expenses only (can include Fixed Revenues) Event Locations - Worldwide Concert Promoters Event Organizers Band Managers Fairs/Festivals Sporting Event and Sporting Venues Tradeshows, Conferences and Exhibitions Theater Media Companies Sponsors Advertisers Advertising Promotion Agencies Weather Guard Perils: Snow, Temperature, Rain Pluvious Cover (Event Weather) Pre-determined weather triggers lead to losses at an event such as a fair, festival or concert Sales Promotions Creates distinct marketing campaigns linked to weather, support sales targets and differentiate from competitors Income Stabilization Uses the occurrence of a lack of weather events to normalize operating revenues Cost Containment Uses the occurrence of an excess number of weather events or to normalize operating expenses Online micro site - BeazleyWeatherGuard.com USD 5m Up to 12 month policy term Agreed value or Ascertained net loss indemnity available Admitted coverage offered through WKF&C covered offered through Beazley Utilize a weather database with over 5,500 weather stations Concert Promoters Event Organizers Band Managers Fairs/Festivals Sporting Event and Sporting Venues Commercial Shoots Snow Contractors Golf Courses Hotels, Restaurants Retail (Jewelers, Electronics, Auto) Municipalities Prize/Promotions & Over Redemption Games of Skill Hole-in-one, half-court basketball attempts, etc. Games of Chance Lottery and other mathematical games Over Redemption Insurance protection promotions that end up with higher success rates of activation than reasonably anticipated and budgeted for USD 5m Up to 24 month policy term Indemnity Advertisers and Advertising Agencies Sponsors Sporting Events Charity Events Game Shows Retail Promotions Brand Manufacturers Radio Stations Please Note: Film Wrap up programs for Advertising Agencies (AAI) and Commercial Producers (CPI) will be available in Q on an admitted basis.

2 Weather Guard Don t get left high and dry. Keep your business buoyant whatever the weather.

3 Weather Guard Millions of U.S. businesses from air conditioning suppliers to zoos are vulnerable to demand shortfalls or increased costs due to adverse weather. Others may be able to create intriguing marketing promotions with payouts tied to weather triggers. With access to more than 40 years of data from 5,500 weather stations, Beazley can craft solutions that protect businesses against the downside (and maximize the upside) of an increasingly volatile climate. Insurance has covered weather perils for centuries. But Weather Guard embodies a radically new concept, covering weather-related perils that have historically not been offered. How seasonal is your business? The most obvious beneficiaries of Weather Guard s unique coverage are businesses that are highly seasonal, relying on a brief window for the bulk of their sales. Such businesses some examples of which are given on the chart (right) are highly vulnerable to adverse weather during their peak season. Companies of this kind can select the period and weather peril for which they require cover and, if poor weather dents demand by more than a pre-agreed amount, Beazley s underwriters will reimburse the loss of business they have suffered. Marketing promotions and loyalty programs The weather can also serve as a trigger for marketing promotions or loyalty programs. For example a hotel could reimburse its guests if the weather during their stay has been consistently dreadful. Better still, the hotel could give the guests vouchers for another stay, at a time of their choosing, at the same hotel or another in the chain. Alternatively, a company could offer customers money back on a purchase if the weather during a set period exceeds a pre-agreed benchmark a sizzling Valentine s Day for a florist or jeweler for instance. The opportunities are endless. All that snow had to go The third category of organizations supported by Weather Guard are those that incur additional and potentially heavy costs as a result of unseasonably bad weather. An obvious example might be municipalities that need to rent additional equipment and face higher than expected clean up costs after a more than usual amount of snow and/or number of snow storms. Weather Guard can protect them against these additional costs provided that the number of snow storms and/or snowfall exceeded a certain pre-agreed level. Tailored coverage and responsive claims service to meet your needs Weather Guard is not one size fits all insurance. In each case, Beazley s underwriters work closely with you and your broker to craft a policy that covers your individual needs. That way you get the protection you need and don t overpay for unnecessary coverage. To take one example, if you have a peak two-week period for sales for example in the run up to a major holiday we can provide weather-related income stabilization coverage for that two-week period. There is no need for you to buy a more expensive policy running for a month or more. Of course an insurance policy is not worth the paper it s printed on unless it is backed by prompt, reliable claims service. Ours is. We are one of the largest and most experienced insurers of weather-related risks principally event cancellation in the global market, insuring five out of the top six global event organizers. In 2012, we paid substantial claims arising from superstorm Sandy. In particular, we led the coverage of the New York Marathon, cancelled in the aftermath of the storm with less than 48 hours left to the race start. The resulting claim was described by the broker, an event cancellation specialist, as by far the most complicated he had witnessed in 22 years. It was settled within six weeks and in 2013 Beazley once again insured the New York Marathon, which took place without incident.

4 Your business Your risk Promotion Income stabilization Cost containment Marketing campaigns linked to weather perils can be insured through Weather Guard, offering consumers their money back should a predetermined weather trigger occur on the promotional date. Many companies are vulnerable to demand shortfalls in the event of unfavourable weather, particularly when their business is highly seasonal and most sales take place during a short window of opportunity. Weather Guard can help. Air conditioning suppliers BBQ gas suppliers BBQ manufacturers Car dealers/franchises Carnivals Casinos Coffee shops Construction companies Flower stores Furniture stores Garden centers Gas stations Gift wrapping/card stores Golf courses Golf merchandise manufacturers Halloween stores Holiday home lessors Home appliance stores Horse race tracks Hotels Ice cream sellers Independent retail stores Jewelry stores Landscape firms Leisure centers Movie theaters Museums Restaurants Snow blower manufacturers Snow removal firms Spas Theme parks Weather Guard can cover costs and expenses for example for snow clearance that rise beyond their budgeted amount due to unseasonably bad weather. Tire companies Townships Tour bus companies Water parks Zoos

5 The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk. Coverages will vary depending on individual country law requirements and may be unavailable in some countries. The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued. Some coverages are made available through Beazley Pte Limited and Beazley USA Services, Inc., which are service companies that are part of the Beazley Group and have authority to enter into contracts of insurance on behalf of the Lloyd s underwriting members of Lloyd s syndicates 623 and 2623 managed by Beazley Furlonge Limited. Beazley Furlonge Limited is authorised and regulated by the UK Financial Services Authority (ref ) in its capacity as insurer. Beazley Pte Limited does not transact business in the US. Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497). CBPCG033_US_12/13 The descriptions contained in this communication are for preliminary informational purposes only. The product is underwritten by Beazley syndicates at Lloyd s and is available in the US on a surplus lines basis through licensed surplus lines brokers and is also available on an admitted basis through a specialist partner.