BEGIN:VCARD
VERSION:2.1
N;CHARSET=utf-8:Hannah Hays
FN;CHARSET=utf-8:Hannah Hays
ORG;CHARSET=utf-8:
TITLE;CHARSET=utf-8:Senior Underwriter Public Entity Cyber
TEL;WORK;VOICE;CHARSET=utf-8:
TEL;CELL;VOICE;CHARSET=utf-8:
TEL;WORK;FAX;CHARSET=utf-8:
EMAIL;CHARSET=utf-8:hannah.hays@munichre.com
URL;WORK;CHARSET=utf-8:https://www.munichre.com/specialty/north-america/en/insights/cyber-and-technology/hannah-hays.html
ADR;WORK;PREF;CHARSET=utf-8:;;Hannah Hays is a Senior Underwriter at Munich Re Specialty Group, specializing in cyber insurance for Public Entities. With 15 years of experience in the cyber insurance industry, Hannah brings a deep understanding of risk management and mitigation strategies. Her insurance expertise spans public entity risks such as municipalities, schools, and religious institutions along with multiple industry sectors, including healthcare, retail, technology, manufacturing, and nonprofit, among others, where she has provided insurance placement and risk management support.
Prior to her current role, Hannah held positions at Tokio Marine, Lockton Insurance Brokers, and Cowbell Cyber, gaining valuable experience in underwriting, program management, and insurance product development. 
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OEt3C7BSSF/5ZquPTPzH3P4AVrFLYyfWxxV/4tmhlKI7o4IIDITncMgFFXK84xySQegNGkePptPzFdKsxJOZMlBn/aByy+ykD0zVTxBZPd3N2iGSGC8dJBMikyRlWDgLggjnALDqKr6ZaNd3TT6gd+yJo9zhQZiRtXgHt95iec9660lscTlJO1j2jTtet9XGIj8/8Snhh9R2HPHqKp6rZpMhDAHivK/D5ms7rycMqqT5O3B3rnmMtnt2B5HGDgYr1iR/OjBGRnseCPY+9c81ys64u6OEERjDIeleKeNIDazFlHGc5r3+7h2E8V5N45sTLDvA5XNVTdmY1V7rPMo3E8IkB5qAHdwaqWkhhzGfunp7Gp8kHiu1q2qPNWqNWFv3aE/wkofpgkfzqzVe1XdEwHbB/L/OKssNpqqT1aMqi0uJSYpaK7DlEopaKBjaKWkoAKKKKYCUUUUARUtJS4qRAKWiimMWiiimAUtFHSkAxT8/0H86gAw5zVhF5J+lQyD5yO+c1wS3Z2xWht2Q24Pouf51v+HAZrvee3FYlrzGSP7uB+eD/Oui8FIHdnPYn/61c0up30lqj2yzhDqB7VsQWSqd2MGqViuAPQ10EQ/OuY9FonhhAH1/l6VYdMClVtozSO3HWruYtGVcYjBPp0rk7t/Mfn1rf1GQ9BXLFi0gHvSNErHaabxGBVa6OH+tXLLCIM+lUbo5bAqbFs0LTLKAOMGrf2RT1H/16oWR2nPStxT69KFoZvyKTadC/VQc9ePWs640G3ccIo5zwMYPtXRjGKjcdxWnMZWOQOgQbtxUZyCMDHI7/XmtNbZYxg8YHfP+NbB96y7psAgVm+7NEcxqG0HivPPEcAuIHA7V3OoNwfauSvF8xCvrTWjuEloeFSWY8zywOSfyrKmQwuVPY12XiO2bSpUuAMK5wfr6fWuXviJn8xejAfniu9O6PKlGzsX9Ox0PAYY/Pj/P0qw4xgegwfqOKp2wKpnvxx+NatyuMMOjAH8T1oi7SRlJXiU6KWkr0TzwooxRTGJRilpKBBSUtFIYmKMUUUWAhpaBS0gCjFApcUAFFFLTAKKWlUZIFD0Ae3y7QO/NUbg7XyPerxGX46D+nNZd8+0nHbj8683eR6CVkdBphDQ+vX/Gus8DkLPLH6HI/SuO0Ntykdscfy/qK63w9/o2pjHSRCT9RisJ6NnZS6HutoeVHpXQRP2FcvZtyBXTW2BXOeoaCjnP9KdjiiPmpMcUyGc1fxEZbHFczbRmWbA7Gun1yQxp8vT1rM0aDe3uaBHQwoUTFZEwKNz0zXXJANuB2rl9QG08etOwzWs0yoIrWC+lc7plz27jtXRq27kUthBtIphX3qYHHeo2xSJsQOcDnrWLcseladxkDNY10wP4UjRI5jUHxkVzsa+bIF7CtbUXx+tQaTb+a2T9T7D/AOvVIzl2PMvHEE+oDyYUxDbHcW/vNg5/ADNcJZWm9Qp5AI/KvdPGUPk2reSOCCBjg8g5/Hk/pXi9onlJhc8Z68H8R610p2VjinHUV4/LXjuSf0q6iBrcr3jP6HkVHer5aqp68fyBq3aqGbYeA6Y+hB//AFUXtqc7XQxaMVNPGYnKelQ16sXdJnmNWbQmKKdSGqJEopaSgBMUUuKTFMBKKKKAIqWkpcUgFFFFFACilpOlLTAOlSxDv6VFVhB8uB/Eaym7IuKu0CjaCx7fp/8Arrnbptxyfr+ddHefu12D0yf6CucuRliB2rgjud0tFY6DRmCopBBzuyMH5SCMfmBXVW8nkXEcvdGx+BH9K5jTIzGijvtYn8Qcf0rpQckDpkKR+f8A9esam500tj22yY8fQfjxXV2p2iuD0S48+FW9OP0rr7STOK5z1VsdHG2elOlbaMDvVeBuMU+YhaCWYeqp58ezuCDVXSn8h9p6dasznccVQEW1vl4P6U0FjrpJ4/LLAnNctNOJpNuRkdsjP5ZzUxWdlKDGD3xVZNHCN5p/1h/i789h6CrHsXtOj/eE9BiuhibYcGsy1j8nir5ww96iwmXmXj61Axx1pIpSBtpskn50gRXuGz07Cuau5cfrW3NKBk/5Nc1dtuzjpSKOY1CTJA7Cr+j31nCfs8k0aTyDcI2YBivHY4/TrXNa3eLZRSTv0RSf04/X+dfO1zqE17dG7c/OW3fT0A9gOK6YQ5kcNWpyM9+8RataQXbwTTJHHgMWZi3JPIUDPQL06kmuFl8q4maeMbY5JNyA9dpORkduMV55dXjXqRRlVUQLtXaOSCzMSxySWycZ6gAAV3ZYRwwgcEkfkOKqUORbnOqnOxmo4aVR/tHP5YqQDyiCf4T+h/yKoTSF5sn1/wAK13TfgjuPz/8A1cfrWa2E9ynqifMrjuME+4rKroLjE0JHQ9R9R1/mP1rn69GhK8bHn1o8ruFFFFdRziUlLRimAlGKKKAEpKWigCGlpKWkAtLiijNAC0UUUwFq/AvzA9kXP1J6flVADmtBJAGEYPTk1zVNrG9Na3Kl9y2PzrH8kyTBPVv04/8ArVrXfU+uR+GapxsA0kg/h+UfU4/x/SuRaHUzfslDKzjuxVfoBWsmC454XK/kRj+QqjZx+WkMY77pCPoP/rfzqvHc+Ws5/wCeZBH6H+lYPVnTH3UeveGpCkRT0PFd/ZKG6fhXmvh+YbVYchwD+BFelaO/ODWMlY9KD0NZJChxSzS/LknirM0I4YCuR1i4u4Ti32bRn7+fy4xUopauxtAA/jQsYB/nXB/2jdkZlVm9RG39Ov61YtNXidhHMskbc/ezj8TmtOU6FTvqelJGFH0psqhO1cymotEFRGJBJCjIOTjPf0qnfatHbgNM0h5+6g3HJIHRelVYXs9bXOxwFpQynjNeff21M/MKzcYxuGP51Jb6tqMjn9yvljuXwfwGP60uWwpU3E7ssYz6ikc5HFNsnNzEGZdvTIq20YUZxWZgYU+fpWLOODW5dEM20dBWNfEQofYfyoEeG/EnUfJhS0U/NM25v91f/r4ryA/ItdH4v1L+1NSkZTlIz5a+ny9SPqf6VzU3I49SK9SmuWKR4daXNJ+RJEPlH1/rXXvPkRqP4Y//AGYf0Fcqi9AO1bCEh0z0KkVFRBT0NBjmQ4+v8v8A61dBDJujBHaueVdxB9Ov+fyrbtCB8p6EVyrTQ3a6lkYII9OR+fP6H9KwpV2tWoH2HHdePw5P8j/Oqd2uDkdDW9F8srGFVXVynSUtJXp7HnhSUtJTASiiigAooooAhpaQUtIApcUUtABRRR0FADGbaQKtWo53+vP61RUbsv8AlWqgCoAOP/rVy1Dppozrx8KT6t/LpSJERGsY6yPj8z/gf0pkw34z6mtK1UK6yH/lkpc/XHFcr0R021Nq3wzSsPuxjYPoBg/pk/nWFu/0eVv77HP+H4DH41ZM/wBi08yn78zEL7k5/pms6d/JRYD1jXc/+853Y/ACoSNGz0PwHqP2mDyWPzwHaf8AdwSp/Lj6ivYtPk2MCK+V/D2sf2Hfxyt/qnOyT/dJGG/4Cf619PWbCSPehycZH9PzqasbanZRndcp3iy7kz3rGvEEpIPORz+X17VLaXIdME1FOu1hnqa5Udexzs9m0B3Dkdq0bKKCdds6c1q7Ny4IBFNW0Q9Mqa2UjphUsrMqvolq5BXhRk8Y/SnvBa2q/JGCw7k596nETrx+uKnithgeZyfcVV0ae0S1OdWJpm3AYA6DHX/Oa2baz243c47DoKvhAowBgClQVDZhOpzbF+JAg4/Sq91JjgdaVZv4e/8AKqNxJk1kYFV/lya8s+IXiIaRZlUb99LlEHcEj5mx6AfrgV6BqN6lpE0shwqgk+2Oa+RfFevv4gvmnPESkrEvooJ5x6seT/8AWrppQ535I560+SPmc8GJcZ655+ualYcge5qqDg1oRLuZT7V6b0PDWrLCLj+ZrTgIlXcv8B5/x/GqU37qMt34X8T1qXSnCvtbgEFW/Hoa5paq50LTQ6aKH5Q47Hn6ep/Pj6VfePy8MOnQ+3fP4ik035lKP1Hyt/T9P5irezKNCfvp0/2l7fjiuJ6M61sZVz8j5HoD+B/wGQfwqKc7lzT5m8xFYHlcqfp3/I/nVcn5MDtW0N0c89mV6TFFHSvWPMCiiimAmKSnUlMBKKKKAIqKKOlIBaWkpaACo5OyjvUtRAZJPpxSY0PVegHNXDnGPTjNSW4EfzE8nt6D1pz/ADD5eh6f41w1HrZHZTjbVmYy5O0cAZOf8+tX9pET443lUH9f0quITIfYHJrTKYCei5Y/Xn/P4VzN6HTbUqX+0yxo3+rtV3t6Zxx+uK5szmYs7dZCW+g6AfgK09SJMZH/AD1Ylj/sjj9ccViA5Ykdun0AwK2hsZSepTuSWb2xXt/w38WidV0y5b99EAIiT99B2/3lHHuK8WlURDJ+8R+Q6/rVzQiYLuGXJHzgAjj/AD1raSUo2IhNwlpsfYEc/lsGXofyFbyOJ1HrXm+nX7PGFkOcgc11WnXeOM8ivLase4nfU6ZEGPSn7QDxxUccgKipQOM0WKJ1QH1pCqjjvUmeMCo3pjDy881CcDJ7CnF9oxWZc3QQbQaROxK1zt6cE9KoXE4gUs55/wA9KpSXoh92rJl33J3P07D0qdhnFeN9UdbGZ843LtH48fyNfNrfeye9fQXjmLdZSgdhkfgQa8ESMS8d+a9ChseVitWkVmX9K17Eb9uO/H681n+WUOx+PQ/57Vs6YmCR6YYfn/8Aqrpm9DiitUT6hGFREPBYsf1wP0qKyj8wkdHA/Me30rV1iHckbKMgLz+PX8RWXagqdw7Dg9x1/wAK5k9Dd6M62xbeomHEsXEg7svTd+H9K0ZX+ZXX6fXNYNpdq/7wYEgHTsw7g/Xr15NaxTcm5M7DyoPVT3U+46VzSVjoRWkjMFwT0il6/wCy3QH8aqTxGHcO2eKus/nIP7wAOPXH9KgmbfGAOo4OfarhujOWzKFFFFewtjyuonSilpKACkpaSmAlFLijFAENLikpelIBaKKKADpUe4L7VIemKo3D7Rgd6ynojSBct5QzZ7D9a0oyXP8AnpWHD8v8h/n3rRST+Benc1wNHcnYsSkgmOEgAkZPsOuK05UCxLH/AHgM/Qf/AFs1mqilRjgKcfnWret5e1RjhMn8eg/IVmzRHL6oc4A78D6dqylTyslvvccf41sXzBWHd/5VjKpJJb8f8+1bx0RjLcqFGmkx/n/IrQhXbPEi/wALp+eRn+VJbqI1Mh98e1Jph8y7i95V/Qk/0rboZdT6D0xd6AegrTjne3bjtWVpTeWQD0IropIQxyOhrzHo2e1DZHR6fqSSADPI7VuJcLjNeei0YfMnB9qtpcXMIx94UjdHoK3AbimSXCrXDf2lOP4aikvbmQY6UDOlu9RSIZJxXNSXzTtleg6f41EtpJMcuSfrWpDY7OTU3ApwwFzluTV1odorRhtvam3CBBiouB5t4ltBcwyR/wB5CPpkY/8A1V80yIYJGjbhkJH0INfWWoQbwc9wT+XSvmLxJD5eoTBem7+grtw73R5uIWnMUUuGI2uAwH5/nWppzgSHjHyn+YI+tc9kr1rRsZtkqktgdDn34/qK7pR0PNUrM7Iss6FMjcnSshgIm4+Xt/PrUcsrxPu7DIP4dDVe4nJHzdc/yrkUbaHS5Jh5piORxz/n8K6GyvzjJHyNww9/X8q5DJY7RnJOK6CCEwxCP+Ldk/Ujp9BVSSSFFu5pMxhf/ZLbR9Dg/pnFRXGVfA78/wCFMlbc6xHoMHPoOM/nikdt7FvfiphG7Q5uyG0UtJXqbHmhRRRQAlFFFMBKKWkoAhpRSUvSkAtFFFAC1nXCEsD2Gf8AGtHFRSpkVnNaFx3KseD9Bn9MYqeJieO7cn6VAYyUIH+f84pYnyWPqPy9K4jt2N2B/M46qB+oyKu3WH2kegX8hWTpr/Pt7A5H8v8AD9a0hyrDPAzz71i9zVbGFOu8semOrf0FV3iAAX7vt6D/ABq82Ccn7q8gf1rIubgsSB+J9a3SMWyveTcbF4Aq34ei82/hQfwEufy4rFdsn2H+f1rrfA0Pn3jy/wB0YH41rLSLZnHWSR7csRiRGH0ro7U+Yo+lUhbloB9B+GKsacflx6dfrXk3PbirWNmBB0NaC2QYcflUFsvPNbkMXcUzTYzf7O9qcNOx2reWM0hjPSiwXMVbQJU62+e1aPlDvUm3ArNlFHyxGKx7kbjit2bgVkSrjNSBzWoJtVj7GvljxBKP7Rn7qHx+XB/lX1JrMot4HkbspI/DNfJV7L9omklP8bsfzJruw6u2efiZcsbCeWkoypxUTWUsY3pyBzx2qAMYzx0rVtbsryuM+/T6GvRacTy1Zg03mqHyRvGG9Nw4I/HqKZv3KVPJFTyxxsGfBQnBdR0B7Ovt6j8sVnlghwSPwrL0L2NKyCxfOev+cY/rWuJ9iZ7kn6DNYds+5gccD1qea7LEIvPPHt2rKSu7GqaSLoYu+B1I5x0Aq4OOlQW0PlLzyzcn/D8KsV1U4cqv1OWcrvyCkpaK3MRKKKKYhKKU0nSgYUUlFAENLSUtIAp1IKWgApGGRS0vSlbQFoxkYGAD7g1nH91IU9SPyIq/9KhvE2skg68j8a896Ssd61RpaZFkiX8B+farD3iRymI8k846Aduf0qolz9niAHGMAVQkXExnc7UXoO7nsv4VFtTTZBfM0RI6luvoBWI544/E1rXciy89Q386xpSf4uPb0raJhIqy/wB0V6T8PrfDb/7xI/LFedRRFyPevZPA9p5YRSMfNk/jiiq7RsaUY3kme1W0O6LB9KoW8fkzFPU7hW9bx7UAPSsy8HkTJJ74/OvKPZNu3gwQfStu3BQVWtI8oGFaSAUx3Jl6UEZ4oCkU8LVAMVKY64q0BiopeBWbKM+Vayrhdta71kXhwp+hqRHlPj3UfsljKQcFl2j6scf5+hr5sNeufEu/3mO2B6ksfoOB+pryQ162HjaNzxsVL3uUiYZqHJSp2FRMK7medsX4roEAP9A3+NQmEjIHY8fT2qunp2rQhIJxnntWD93Y6FruMQlF6c1UL4Oec1t+WTyBz3FNbTBcjdD8r90PH5Gs1JX1LcX0ILe+ZcAnj3Nb9vPHNwflP5iuSlhktjtddv50sVw0ZBU9K0ab1izK6Wkkds0JUZHI9R2+tRdKj0rU1k/dtxnqPWqupCaybfCd0bcgEdPaiNRp8sglBW5ol2isSLWR0kXHuvT8q0oruGb7rD6Hg10mBZpKXpSUAFFFFAEFOqJ5ki+8wGPeqEuqxpwgLH8hSA1KZJKkIy5ArnpdTmfhcIPbrVBnZzliSfegDdm1ZE4jBY+vQVkz300/U4HoOKq4pOlAHSaY26Ln3FTzyblC/wB0gn8qztNfbGR7n+lWmORj3yfzriktTsi9B4/eOu8/InJ9ye1QXUrXb88IOAP8KICZWJPQHj0xUrOE4UZPTj1PYenuakoayjYQcbx90elUShc5I+tTmTyDucgue3oPemxkyuFXjca0StqZt30NTSLRp5gO3evdvDOnCMgjgjFefeGdMIyxHJxXsOkotsuSckfh2rhqyu7Hp0Y21OtRBgZ7Viaz9zI6jmrhvQOlYGoz+aCB9K5jtPQNGcTQKfYVsCOuY8KsWtgG6g4zXXKe1IGQjIpC4XmklfbWc029sDpRcLGokgbk1XmfJwKjX5RzUDyVJVh7YxWBqThEJ9q0JJ8VxPiTVBY20twx/wBTGzgeuMAD8yPwzVJA9NT518b3outTdVORCAn49W/I1yBFSSytM7SScvIxZj7sST/Ooq96EeWKR81VlzzbGkUxhUlIa1MCuDtPtV9UEq7h27/0NUmWpLaYwPzyDwf8+1ZSj2NIu2jNyzkJGxuo6e9XMmJwRxmqXlHhl5HVT/StKMLcR+6foPX8Dj8K4pHcjSSGLUE8qYZcdD3/AArk9T0iTTnx95T0IrpIMqech19P89D/AFrYYR6jEYZxknofT3H0qYzcH5BKCl6nl0cjQtkcFT9K7CCVdTtyp++B+vr/AC/WsHUNPe0kaGTnH3X6ZHYml0edrW4Cn7r/ACn+ldkrSXMtzkj7kuV7GdMnlsR0/p60wLitDVE2TuB65/A81QFaR2TMpKzZNFdSwfcY49DyK0otXYf6xcj1HH6c1j4xSYqyTpBqlv6kf8BNH9qW/wDeP/fJrnc0ZoAgOW5PJpaBxRTAKTFOoxQAnSozTzTQtAGvYqQnHHP86tvgAgduPpUVviNAPQUBxnA5x+tcctzqjoiaNgi+Wo6D/JqCe5EQ2RdfX09ahmckbR/F6fXvVGTg7R2pxjdjbsgHJyeT711vhKx+3Xm087V/ma5Ja7rwHJ5d/jPUD+dbT0i7GNPWSPcbXTPsigIMYH+RUjRyo24cZx39ePfj3rehAbHFTfZ1J9hXhvV6n0a0SsYiRu3AOSOOOn4e3pWna6S0vzOMZrUis0TDIOf51rxyhBgjaf64zSLGaTELLMQ6da2TPtHrWMbkIT61G8+7v/SkFi5cXGfpUULDO49KpAFzk1MAeg5/SkUXJJiTVR3J6f560mQD6j27VZWPI9vSgCg0bMOOteR/E64FhpzR5+a4dUH0HzN+gxXt7IFXPSvmX4uX/m30Nmp4hQuw93PH/jo/Wt6UbyRz1Z8sGzyWmml6fSkr3EfN+YlJS02mIQioiKmppGKANnSpfM/0du/3c+vpWqB9nfd0B6jH4H8eT+HbNcpE5j+deChBBrsTILqFZh1dcn2YcH9a46kbanXTlfQsCMoPNHO3r7qen+fepz+6IbqpPB9Pb8f5mmabIHj2P/AdpH+yen5EY+hFTKoCtAxyp6ex7fhXI1Y6yHU7Q38JwMyxglf9sd0PuO3SuDgJEirn+IYP4jiu9hmaPh+qnaT7j7rflwawNUsVjulljGElIf2Bz835HtXRCVvdZzzjfVGdq3Nw30H8qzRV3UJPMmLe2Py4qmeBXVDY5JbiCg0uOKStCBKKKKAI6KKKYCilpBS0AMPWlT7y/WkPWlT7y/Wkxm2e/wCFQp/Spj3/AAqFP6VyPdnStkMXr+VUH+831P8AOr69fyqg/wB5vqf51pDcmY5a7LwT/wAhFfp/UVxq12Xgn/kIr9P6itJ/CyKfxL1Pp22+6Ktp/Wqlt90VbT+teE9z6NbI0Y+gqO6+5+J/lUkfQVHdfc/E/wAqk0RUjpy9abHTl60ii/H0qQ9R/wAC/lUcfSpD1H/Av5UARxdK0V7VnRdK0V7UyBZPu/hXyH8S/wDkPTf7sf8A6DX15J938K+Q/iX/AMh6b/dj/wDQa7KHxHFiPgZwnam+n407tTfT8a9c8ESm06m0AFBooNIBF+6a6jTf+PUfVv51y6/dNdRpv/HqPq386xqbG9Pct6b9+X/PcVpt/rB/ur/KszTfvy/57itNv9YP91f5VwPc7jOn+9L9P6NUmof6qL/e/pUc/wB6X6f0apNQ/wBVF/vf0prdEM4qb734n+dRN0qWb734n+dRN0r0YbHny3A0lKaStCRKKKKAP//Z

END:VCARD