ACTIONS=MOMENTUM In addition to expanding our solution portfolio, we have refocused on underwriting acumen and are taking the following actions: Customer-focused underwriting 360-degree decisions We restructured our underwriting teams to provide We’re now aggregating data from across the organization more expertise by practice area, including physicians, to inform individual account decisions and portfolio healthcare facilities, and allied health providers. strategy. This specialization helps us more precisely address each healthcare provider’s unique coverage and risk Enhanced agent/broker portal and easier processes management needs. We invested in technology to improve our agent/broker portal and facilitate easier claim reporting. Sharper risk selection and pricing models We re昀椀ned our risk appetite and underwriting guidelines to ensure we have the 昀椀nancial strength to support our policyholders. A Broad Portfolio of Solutions to Address Evolving Exposures MEDICAL MPL EXCESS & COVERYS PROFESSIONAL SURPLUS LINES LONDON LIABILITY INSURANCE Offers robust insurance and reinsurance Offers sophisticated insurance and For physicians, hospitals, healthcare options across a broad range of medical reinsurance options across a broad range systems, facilities, dentists, podiatrists, professional liability and healthcare lines. of medical professional liability and allied healthcare, corporations, and more. • Risk-based solutions healthcare lines, with risks underwritten in the U.S. • Managed poplulation-based programs • Direct contracting organizations PROVIDER EMPLOYER REINSURANCE EXCESS LOSS STOP LOSS SERVICES For physicians, hospitals, healthcare • Tailored underwriting approach for Flexibility to provide risk transfer in systems, facilities, dentists, podiatrists, proactive risk mitigation multiple ways, such as utilization Coverys’ allied healthcare, and corporations. captive cells or facultative reinsurance • Self-funded employers of customers’ own captive insurance companies. 55