ForeFront Security by Chubb is a package of Crime and related coverages. It was designed to address emerging exposures that many firms fail to consider as well as traditional crime exposures. See these claim examples for more details. Coverages include:

• Workplace Violence
• Employee Dishonesty
• Computer Theft and Vandalism by Hackers
• Kidnap and Extortion

Workplace Violence The US Department of Labor reports that 18,000 workers are assaulted on the job each week. Many employers are surprised to find they are as much as three times more likely to have an incident of workplace violence as a claim for employment discrimination or harassment. While many firms purchase employment practices liability coverage, few consider coverage for workplace violence.

ForeFront covers business interruption, death benefits to victim's heirs, independent security consultants and guards, and public relations consultants.

Employee Dishonesty The Association of Certified Fraud Examiners estimates that white-collar thieves steal $400 Billion each year. Many insurance professionals believe that this is one of the most frequently underinsured exposures in business insurance today. The current trends of mergers and acquisitions, labor shortages, and employee privacy laws all combine to make it more difficult than ever to screen employees for dishonesty potential. And increased dependence on computers and e-commerce have added new opportunities for employee theft.

ForeFront Provides coverage for the loss or money or property as well as for expenses incurred in determining the loss and defending any related legal proceedings.

Computer Theft and Vandalism From sophisticated purchasing scams to theft by electronic funds transfer, it often seems high-tech thieves are able to stay one step ahead of corporate security measures. Of even more concern is the damage that can be caused by computer hackers. In a recent US Senate survey, 66% of the companies surveyed reported at least one incident of computer crime in the past year. Even more alarming is the fact that 18% reported a loss exceeded $1 Million.

ForeFront Provides coverage for computer theft and the losses caused by hackers including costs for investigation and the extra expenses necessary to resume business operations.

Kidnap and Extortion Many executives are aware of the kidnap dangers associated with international travel. What many do not realize is that for every kidnap incident, there are more than a thousand extortion attempts. And extortion is not limited to other countries as thousands of extortion threats are received by US companies every year. Threats to tamper with computers or products, bomb buildings, or harm employees are much more common than many executives realize. The biggest dollar exposure in such cases is usually not the amount demanded by the extortionist but the added security that is often required. See the claim examples for more details.

ForeFront Provides coverage for the losses and expenses arising from Kidnap and extortion anywhere in the world. Chubb's approach to such claims is proactive. When an incident occurs, you can call on The Ackerman Group which is a worldwide security firm specializing in such cases. In addition, Chubb maintains current information on the political climate of virtually every country in the world so you can determine the travel risks in advance.

Founded in 1882, The Chubb Group of Insurance Companies is today one of the 15 largest insurance organizations in the world. Chubb consistently receives the highest industry rankings for financial stability and customer satisfaction. With 110 offices in 29 countries, Chubb has the expertise to deliver quality insurance products and services worldwide.

We invite you to contact us for more information about ForeFront and other products for emerging exposures.