MRIA Member Insurance Programs

1. MRIA Member Insurance Programs MRIA has partnered with Dale-Parizeau LM to offer insurance solutions tailored to the marketing research & intelligence industry and the professionals working in it. • The following Insurance Programs are available exclusively to MRIA Corporate Research Agency and Corporate Research User members, who will save 20% or more on non-group market premiums for the same coverage: • Professional Liability/Errors & Omissions Insurance • Commercial General Liability Insurance • Property Insurance • Group Benefits Plan • Professional Liability/Errors & Omissions Insurance • Commonly known as Errors & Omissions (E&O) Insurance, which is increasingly becoming a requirement for all professional services providers in the business world • Protects your business and reputation from all professional liability lawsuits and compensatory damages. • Liability limits offered range from $500,000 to $5,000,000 • Critical protection available for as little as $250 per year • Premium discounts available for Gold Seal Certification; majority of firm principals holding CMRP designation; and other factors • Commercial General Liability (‘CGL’) Insurance • Many corporations and government/public sector organizations require their service providers to maintain $1M or $2M in CGL coverage • Many property owners require their tenants to maintain $2M to $5M in CGL coverage • CGL coverage available for as little as $250 per year; liability limits offered range from $1,000,000 to $5,000,000 • Property Insurance • Every business needs to protect its property – from buildings and furniture to computer equipment and money/securities • Corporate members can protect their assets for as little as $350 per year. Property insurance outside of this MRIA group program will typically carry a minimum annual premium of $750

2. Important Facts About Liability Insurance • Do I need BOTH E&O and CGL Insurance Coverage? • E&O & CGL insurance policies are designed to complement one another • CGL protects against bodily injury, personal injury (libel & slander) and property damage to third parties • CGL coverage is triggered by a lawsuit resulting from the negligent actions of an owner, director, or employee. However, CGL coverage does not respond to lawsuits related to professional services or pure financial losses • E&O insurance protects against claims not covered by CGL, including lawsuits related to professional services or pure financial losses • The MRIA E&O policy covers errors, omissions, or negligent acts which may arise from the professional services and advice offered by insured Corporate members • Both CGL and E&O cover allegations, whether or not factual, the legal costs to defend a civil law suit, and any compensatory damages awarded • Purchasing BOTH CGL & E&O Insurance will ensure your business is fully protected against liability claims, and not exposed through gaps in coverage Under the MRIA Group Insurance Programs, Corporate members can purchase E&O insurance on its own; however, CGL can only be purchased in combination with E&O. Under the MRIA Program, combined E&O and CGL coverage provides a total liability package and a very cost-effective risk management solution. • Group Benefits Program • Pooled product allows MRIA members access to comprehensive coverage at significantly discounted rates • Flexible coverage options for individuals, couples, single parent families, and families • Benefits include extended health care, dental, life insurance, accidental death & dismemberment, short and long-term disability and members assistance plan • Optional extended coverage is available for both life insurance and critical illness insurance For More Information on Professional Liability/E&O, CGL, & Property Insurance, Contact: Manon Bienvenu, Damage Insurance Broker, at 1 800 361-8715 ext. 2824 or email MANON.BIENVENU@DPLM.COM For More Information on the Group Benefits Program, Contact: Olivier Ringuet, Financial Security Advisor, at 1 800 361-8715 ext. 2873 or email OLIVIER.RINGUET@DPLM.COM Jean-Pierre Ringuet, Program Manager, at 1 800 361-8715 ext. 2865 or emailJEAN-PIERRE.RINGUET@DPLM.COM QC-E-LIAB-0106