AXIS SURPLUS INSURANCE COMPANY

1 1 axis SURPLUS INSURANCE COMPANY Binding Producer Agreement - Joint Underwriting Guidelines 1 axis SURPLUS INSURANCE COMPANY Joint Underwriting Guidelines AmWINS ACCESS INSURANCE SERVICES, LLC Original Effective May 1, 2018 Version 9 Effective January 1, 2021 2 axis SURPLUS INSURANCE COMPANY Binding Producer Agreement - Joint Underwriting Guidelines 2 TABLE OF CONTENTS Authorized Lines of Business & Maximum Policy Limits .. 4 Minimum Premiums .. 6 Maximum Premium .. 6 Referral Handling .. 6 COMPANY .. 7 Authorized states .. 7 Forms .. 7 General Eligibility .. 7 All Lines Property & Casualty.

2 7 Property .. 7 Casualty .. 8 Prior Loss Guidelines .. 8 Loss Control .. 9 Ineligible Classes .. 10 Segment Eligibility .. 12 Habitational .. 12 Lessor s Risk .. 15 W arehouses .. 18 Restaurants, Bars and Taverns .. 19 Retail / W holesale / Distributor .. 22 Offices & Services .. 26 Vacant Buildings .. 28 Vacant Land .. 29 Truckers General Liability .. 30 Optional Coverages and Limitations Liability .. 33 Assault & Battery .. 33 Employee Benefits Liability .. 33 Hired & Non-Owned Auto .. 33 Stop Gap .. 34 Total Policy General Aggregate .. 34 Optional Coverage and Limitations Property.

3 35 Building Glass Tenant Policy .. 35 Debris Removal .. 35 Discharge from Sewer, Drain or Sump .. 35 Equipment Breakdown .. 36 Florida Sinkhole .. 36 Outdoor Signs .. 37 Property Enhancement Endorsement .. 37 Theft of Business Personal Property Sublimit .. 38 Theft Increased Theft Deductible .. 39 Total Roofing Exclusion Endorsement .. 39 Utility Services Direct Damage .. 39 W ater Damage Deductible Per Unit .. 40 3 axis SURPLUS INSURANCE COMPANY Binding Producer Agreement - Joint Underwriting Guidelines 3 Wind Driven Rain .. 40 Additional Insured 41 Rating Rules & Methodology.

4 42 Underwriting File Requirements .. 42 Pricing Authority .. 43 Premium Audit .. 43 Office of Foreign Assets Control (OFAC) Compliance .. 43 Terrorism Risk INSURANCE Act (TRIA) .. 43 Backdating of Coverage .. 43 Certificates of INSURANCE .. 43 Cancellation .. 44 Portfolio Exposure/Aggregates .. 44 Policy Issuance & Contract Certainty .. 44 Policy Term .. 44 Reinsurance .. 44 Exhibit #1: Approved AmW INS Access Over Authority Underwriters .. 45 Exhibit #2: W ind & Hail Eligibility Table .. 45 Florida .. 46 Alabama, Georgia, Mississippi, North Carolina, South Carolina .. 47 Texas .. 48 Louisiana.

5 51 Maryland .. 52 Delaware, New York .. 52 New 53 All Other Coastal states (Excl CA, OR, W A) .. 53 Arkansas, Kansas, Minnesota, Missouri, Nebraska .. 54 Colorado, 54 Exhibit #3: South Carolina Earthquake Guidelines .. 54 Exhibit #4: Liquor Liability Grades by State .. 55 Exhibit #5: Forms .. 56 Exhibit #6: Change Control .. 65 4 axis SURPLUS INSURANCE COMPANY Binding Producer Agreement - Joint Underwriting Guidelines 4 AUTHORIZED LINES OF BUSINESS & MAXIMUM POLICY LIMITS Property Limits are subject to geographic, protection class, construction, sprinkler status and class of business limitations.

6 Refer to Segment Eligibility and Exhibit #2: Wind & Hail Eligibility for class and state specific guidelines, TIV and deductible requirements as applicable. An account is defined as all locations insured by an individual insured, regardless of number of policies. A location means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway, or right-of-way or a railroad. Accounts with more than 50 locations are a referral to axis Amount Subject is defined as considering values at a single location that have clear space between buildings of at least 100 feet, regardless of construction, and more than 10 miles from any coast, as separate locations.

7 Amount Subject Example: Account with 2 buildings, each valued at $3M TIV, exceeds maximum Location TIV. However, if buildings have at least 100 feet of clear space between them and are more than 10 miles from any coast, each would be considered a separate location and within authority subject to all other guidelines. Total Insured Value (TIV) Per Account* Segment Account TIV Location / Amount Subject Maximum TIV LRO $7,500,000 $5,000,000 Restaurants, Bars & Taverns $7,500,000 $5,000,000 Retail $7,500,000 $5,000,000 Office $7,500,000 $5,000,000 Service $7,500,000 $5,000,000 Habitational $5,000,000 $5,000,000 W arehouse $5,000,000 $5,000,000 Wholesale Distributors $5,000,000 $5,000,000 Historic Buildings $5,000,000 $5,000,000 Vacant Buildings $3,000,000 $3,000,000 Protection Class 9 10 $ 500,000 $ 500.

8 000 *Accounts with any property values located within 10 miles of the coast are subject to the Maximum TIV in the tables in Exhibit #2 Wind & Hail Eligibility Combined Coverages Include: Building, Contents, Personal Property of Others, Improvements & Betterments and Business Income with or without Extra Expense. No monoline Business Income Minimum Deductible - $1,000 for account TIV up to $5M / $5,000 for account TIV over $5M Available Options and Enhancements: Agreed Value or No Coinsurance Options (Building Only) Page 7 Building Glass Tenant Policy CP 1470 Page 35 Debris Removal CP 04 15 Page 35 Discharge from Sewer, Drain or Sump axis 101 1774 Page 35 Equipment Breakdown axis 101 2014 and axis 101 2013 Page 36 Florida Calendar Year Hurricane Deductible axis 101 1329 and axis 101 1335 Florida Sinkhole Loss Coverage IL 0401 Page 36 5 axis SURPLUS INSURANCE COMPANY Binding Producer Agreement - Joint Underwriting Guidelines 5 Other Coverage Functional Replacement Cost CP 0438 Named Storm Percentage and Dollar Deductible axis 101 1336 Outdoor Signs (if not using Property Enhancement Endorsement)

9 CP 14 40 Page 37 Property Enhancement Endorsement axis 101 1333 Page 37 South Carolina Earthquake Endorsement (Sublimit to $ ) CP1045 1012 Page 65 South Carolina Earthquake Coverage Schedule (Sublimit to $ )CPDS06 10 00 Schedule and CP1045 Page 65 South Carolina Earthquake Endorsement (full limits) AXIS1012505 Page 65 South Carolina Earthquake Supplement Declarations (full limits) AXIS1012506 Page 65 Total Roofing Exclusion axis 101 2332 Page 39 Utility Services Direct Damage (no Time Element available) Page 39 Wind Driven Rain - axis 101 1362 Page 40 Optional Exclusions and Limitations Theft Exclusion CP 1033 Theft of Business Personal Property Sublimit - axis 101 1796 Page 38 Increased Theft Deductible - Multiple Deductible Form CP 0320 (6) Page 39 W ater Damage Deductible Per Unit Endorsement - axis 101 1368 Page 40 W ater Damage Sub-Limit And Deductible Endorsement axis 101 1971 General Liability Liquor Law Liability (only written with General Liability)

10 Other Coverage $1,000,000 Each Occurrence $2,000,000 General Aggregate $2,000,000 Products and Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $100,000 Damage to Premises Rented. Available up to $300,000 with referral to AmW INS Over Authority Underwriters for additional premium of $300 $5,000 Medical Payments $1,000,000 Each Common Cause $2,000,000 Aggregate Up to $1,000,000 Hired and Non-Owned Auto axis 101 1337 Page 33 $1,000,000 Employee Benefits Liability CG 0435 Page 33 $1,000,000 Stop Gap available in OH, W A, W Y, ND Form # s vary by state. Page 34 Total Policy General Aggregate (Per Location Aggregate)