cx-1252FINALProductGuide 2 24 10 - McLeckie

1 Product Guide SELEC T ACCOUNTS | SMALL BUSINE SS. INSIDE THE GUIDE. Introduction Page 2. Select Accounts: Meeting the Needs of Small Business umbrella Page 7. Travelers umbrella Liability coverage provides higher limits of liability for Automobile, General Liability and Employee Liability exposures. Automobile Page 11. Travelers small commercial auto coverage provides up to 1 million dollars of liability protection and can be written on a monoline basis! Workers Compensation Page 15. Travelers Workers Compensation coverage provides advanced claim and medical technology to promptly handle and fairly resolve workers compensation claims and can be written on a monoline basis!

2 Apartment Page 19. Travelers Apartment PacSM and Apartment Pac PlusSM are designed for owners of buildings used exclusively as apartment houses, including cooperatives. Building Page 25. Travelers Building PacSM and Building Pac PlusSM are designed for lessors of commercial buildings occupied by of ces, mercantile and retail establishments. Business Page 31. SM SM. Travelers Business Pac and Business Pac Plus are designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.

3 Condominium Page 37. Travelers Condominium PacSM and Condominium Pac PlusSM are designed for owners of buildings used exclusively as condominiums. Contractors Page 43. Travelers Contractors Pac SM is designed primarily for small residential, specialty trade contractors. Garage Page 49. SM. Travelers Garage Pac is designed for independently operated or franchised automotive service and repair businesses. INSIDE THE GUIDE. Manufacturers Page 55. Travelers Manufacturers Pac PlusSM is designed for manufacturers of food products, leather goods, metal goods, paper products, plastic goods, rubber products, textiles and wood products.

4 Of ce Page 63. Travelers Of ce PacSM and Of ce Pac PlusSM are designed for a variety of rms providing medical, legal, nancial or other professional services for their clientele. Religious Page 71. SM. Travelers Religious Pac is designed for small churches and other houses of worship not af liated with operating educational institutions. Restaurant Page 75. Travelers Restaurant PacSM and Restaurant Pac PlusSM are designed for various food service establishments. Store Page 81. Travelers Store Pac and Store Pac PlusSM are designed for a variety of retailers primarily engaged in brick-and-mortar commerce.

5 Technology Manufacturers Page 91. Travelers Technology Manufacturers Pac Plus SM is designed for manufacturers of electronics and instruments products. Technology Of ce Page 99. SM. Travelers Technology Of ce Pac is designed for technology rms providing computer consultation and a variety of technology services for their clientele. Wholesalers Page 105. Travelers Wholesalers Pac Plus SM is designed for distributors of various types of durable and non-durable domestic goods. Master PacSM & Pac PlusSM Page 113. Popular Options For Master Pac and Pac Plus.

6 OMNISM Page 117. Travelers OMNI product is designed for those businesses that satisfy our underwriting guidelines, but that do not align with a Master Pac or Pac Plus classi cation. 1. Select Accounts: Meeting the Needs of Small Business At Travelers, we know Select Accounts industry-leading core product, the Master PacSM Business Owner's Policy (BOP), and Pac PlusSM for more complex small business that choosing the exposures, provides coverage for small businesses of all types, from Main right insurance is an Street retailers to small manufacturers.

7 Master Pac is comprised of a family important decision for of combined property and liability coverages that can be tailored to the your clients. That's speci c needs of hundreds of segments in the small business market. You can enhance your clients' protection from a comprehensive list of specialty why we've created one coverages, including boiler and machinery, inland marine, international of the best portfolios assistance, identity fraud, crime and electronic data processing. of coverage available As a leading insurer for Workers Compensation and Business Auto, Travelers to small businesses.

8 Select Accounts provides a wide variety of coverage solutions to round out the insurance needs of your clients. Our risk control expertise and superior Our exible and claim handling enhances the value of a Travelers policy for your clients. comprehensive We also provide Workers Compensation and Business Auto policies on a policies are designed monoline basis. to protect your clients Select Accounts supports an ease of doing business in your agency with the against the unique latest in automation tools. We understand the importance of technology in improving of ce ef ciencies and productivity.

9 Our tools and applications risks and exposure include our award-winning rate, quote and issuance system, IENetSM, and they face whether real-time interface technology, including electronic policy view, billing they are store owners, inquiry, and loss runs. Agents can access all of these tools, along with Select Accounts' product information, through Agent HQSM, our comprehensive of ce professionals, agency Web-based portal designed by Travelers agents for Travelers agents. wholesalers or other The successful combination of people, products, and automation places business operators.

10 Select Accounts as a leader in the small business marketplace. 2. INTRODUCTION. COMPREHENSIVE AND FLE XIBLE PRODUC T SERVICE. At Travelers Select Accounts, we offer a robust variety Our state-of-the-art Select Accounts Service Center has of coverages for your clients' small businesses. Our continually strived to go above and beyond agents' and proprietary BOP products, Master Pac and Pac Plus, clients' expectations. Each year, our Service Center works include a broad array of industry-speci c coverage with agents to nd new, innovative ways to raise the bar options and coverage extensions that can be tailored and to keep you and your clients satis ed.