cx-1252FINALProductGuide 2 24 10 - McLeckie Group

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! 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.

2 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. 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. 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.

3 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. 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.

4 Popular Options For Master Pac and Pac Plus. 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. 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.

5 Of coverage available As a leading insurer for Workers Compensation and business Auto, Travelers to small businesses. 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. 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.

6 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. 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.

7 To your clients' needs. Our professionally-trained Service Center staff offers Our exposure-based de nition makes it easy for you to superior customer service and strives for one-call resolution pre-qualify a risk, saving you time and increasing your of your clients' issues. Designed to provide comprehensive revenue. Simply review the industry-speci c exposure policy administration, with extended hours, from 8 guidelines in this Product Guide to quickly determine to 8 EST, the service center delivers the high quality accounts that are eligible for our Master Pac and Pac Plus service agents and brokers demand for their customers. products. The time you save by pre-qualifying accounts With our extended business hours and online request can be allocated towards growing your business and feature, a range of services are available to insureds around servicing larger clients. the clock including: Additionally, Select's OMNISM product (our competitive * Certi cates of Insurance CPP policy) is available when you need even more * Billing Inquiries exibility in covering your clients' property and general * Policy Changes liability needs.

8 * Account Rounding/Cross-Selling LO C A L PR E S E N C E PE O PL E * Renewals We offer an extensive local presence of professional, * Direct Links to Claim Services knowledgeable eld staff who know the areas where your clients live and do business . From our local management and sales teams to our outstanding underwriters and claim staff, we have the mindset of a regional company, with the nancial stability and backing of a leading national carrier. 3. INTRODUCTION. INDUSTRY-LE ADING AUTOMATION TravelersExpress SM for Workers Compensation As an award-winning industry leader in automation, we Select Accounts has enhanced our IENet platform to make recognize the importance of making advancements to quoting workers compensation business easier than improve agency ef ciency and productivity. We continually ever for our agents. With TravelersExpress for Workers invest in innovative technological solutions to deliver the Compensation, our agents know right away if a customer's best products to your agency.

9 Our real-time automation workers compensation business is eligible and acceptable allows you to get answers to your clients' questions for our products. Our agents can quickly decide that quickly, so you can get back to them in a timely manner. Travelers is the right choice and can move immediately Our agent Web site, Agent HQ, grants you access to through underwriting, pricing and placement of various tools and systems (including our proprietary their business . quote, rate and issuance system, IENet), reference With TravelersExpress for Workers Compensation, material, sales and product information, and our Online we've streamlined the quote to issue process for our Capabilities Guide. agents, increasing new business ow, and automating underwriting and pricing, resulting in less of a need for TravelersExpressSM for Master PacSM underwriting referrals, and an increase in commission Select Accounts understands our agent's need for speed revenue for our agents.

10 Quote your Workers Compensation and ef ciency when quoting small commercial business . business with TravelersExpress for Workers Compensation With that in mind, we've streamlined our online today and see how easy it is. quote-to-issue process. We've updated our IENet platform with TravelersExpress SM, a groundbreaking innovation TravelersExpressSM for Auto which incorporates sophisticated appetite guides and With the addition of business Auto to the TravelersExpress pricing algorithms behind the scenes of our IENet platform, Select now provides agents the industry's platform, and provides even greater speed and control breakthrough small commercial process for all three major to our agents. With TravelersExpress, the need for business lines CMP, Workers Compensation and Auto. No underwriter involvement is greatly reduced, the decision other carrier gives you more ease and convenience when making process is quicker, and our agents have more quoting and issuing new business either on a monoline or control and authority to make quote-and-issue decisions.