Industry specific coverage and services designed to fit …

1 Industry specific coverage and services designed to fit your client s and proprietary. Not for distribution outside of Allied and Allied Coast Regional OfficeLooking to build your commercial bookof business?It has never been a better time to partner with Allied. This year, we re broadening our vision and working hard to make writing commercial easier than ever. We ve expanded our coverage options and now offer enhancement endorsements for all of our Premier Businessowners and Allied Targeted programs. We understand the importance of superior service which is why at Allied, we offer safety training and loss control resources, flexible payment options and our world class claims representatives are available 24/7, 365 days a year.

2 We are the 6th largest writer of Commercial Multi-Peril and Commercial Auto insurance which is why you can count on us to understand the specific needs of your business customers. Let s make your job a little d like to help give you the opportunity to provide your customers with the coverages they need. The format of this guide is consistent so it s easy for you to quickly identify the types of risks that fit some of our most popular preferred programs . Within each program you will find these specifics: A brief statement that explains our appetite Specific classes of business in which we re interested Information about special coverages that might be available And, a coverage checklist to help you identify the critical coverages for each industryOf course, this is just a guide; complete information about each program is available through the eLibrary which is available via the Allied Agent classification, eligibility and coverage descriptions found in this guide are summaries only.

3 This summary does not include policy conditions, exclusions, and limitations; refer to policies for details of coverages. Any conflict between the policy and this summary, the provisions of the policy guide is intended for reference only and is subject to change without notice. TABLE OF CONTENTSP remier Businessowners:Auto Service 10 Food Service 13 Habitational 18 Motel 21 Office 24 Process or Service 28 Retail 32 Wholesale 37 Allied Targeted Programs:Allied Church Program 42 Contractors 45 Printers 51 Wholesalers & 55 Distributors Allied Other Lines of Business.

4 Commercial Automobile 61 Commercial Package 64 Commercial Property &General LiabilityUmbrella 70 Value Added Programsand services :Loss Control 72 Bonds 73 Allied General Agency 75 Claims 76 Payment Plans 77 Premier Businessowners5 Premier BusinessownersThe Premier Businessowners program is generally for small to medium businesses that present low to medium premises/operations exposures and low products/completed operations exposures. In the next few pages, you will find additional information about several of the Premier Businessowners programs that are written in your particular area of the country.

5 While space in this guide doesn t allow us to list all the eligibility rules and guidelines for every program, the information found in the following pages should give you a good idea of the types of risks Allied Insurance likes to as you know, coverages may vary from program to program; generally speaking you will find that the Premier Businessowners programs provide broad property and liability protection for your are a few of the main coverages that are Property Protection Replacement Cost coverage Special form causes of loss coverage is provided without a coinsurance Property coverage Business Income Actual loss sustained* Extra Expense Actual loss sustained* Equipment Breakdown Appurtenant Structures Debris Removal Money and Securities Back Up of Sewer or Drain Water Damage Pollutant Clean Up and Removal Increased Cost of Construction Exterior Building Glass Arson Reward for Conviction Dependent Properties Business IncomeProperty coverage Extensions Newly Acquired or

6 Constructed Property Newly Acquired Locations Business Income Outdoor SignsOptional Property Coverages Actual Cash Value Employee Dishonesty Ordinance or Law Spoilage from Power Outage Scheduled Property Floater Ordinance & Law Blanket SublimitPremier Businessowners*Options available for 3-24 BusinessownersPremier Liability ProtectionProvides coverage for: Bodily injury, property damage and personal injury and advertising injury Premises/operations and products/completed operations Medical payments Tenant property damage legal liability Waiver of Subrogation Data Breach* Automatic additional insured status: Co-Owners of Insured Premises Controlling Interests Grantors of Franchises or Licenses Lessors of Leased Equipment Managers or Lessors of Leased Premises Mortgagees, Assignees, or Receivers Owners from Whom Land is Leased State or Political Subdivisions Supplementary payments coverage : Cost of Defense Expenses Bonds to Release Attachments Expenses Incurred by Insureds at Our Request.

7 Costs Taxed against Insureds in a SuitOptional liability coverages: Additional Insureds Employee Benefits Liability Garagekeepers coverage Hired and Non-Owned Auto Liability Employment Practices LiabilityThe Premier Businessowners Plus Endorsements are optional endorsements that are designed to work with the base businessowners coverage forms. Each Plus endorsement is customized with additional coverages unique to the program, and is available for the following BOP programs: Auto Service Food Service Motel Office Process/Service Retail Wholesale*Data Breach Expense Reimbursement available on Inland Marine7 Premier BusinessownersThe Premier Businessowners Advantage Endorsement (PB 20 99) is an optional endorsement designed to appeal to a wide range of insureds across all eight Businessowners programs.

8 Also available is an Advantage endorsement with Employee Dishonesty coverage (PB 20 98). Both coverages are available for the following BOP programs:Advantage Endorsement Property CoveragesWe allow customers to blanket their protection. They can rest assured that they have the coverage they need at a price they can afford. Customized limit: $100,000 up to $500,000 The limit applies for all of the following coverages: Accounts Receivable Valuable Papers and Records Debris Removal Forgery or Alteration Utility services Back-up of Sewer or Drain Water Damage Increased coverage provided for their business personal property that is beingtransported or is at a non-owned locationAdvantage Endorsement Liability Coverages.

9 Watercraft increased from 26 to 51 Bail Bonds, Daily Expense and Newly Acquired Organizations coverages thatincrease the included limit Bodily Injury definition now includes mental anguish, mental injury, shock or frightas a result of injury, sickness or disease Auto Service Food Service Motel Office Process/Service Retail Wholesale HabitationalPremier Businessowners8 Optional CoveragesCompleteBOP ProtectionProperty and Liability coverage FormsAdvantageEndorsement and PlusEndorsementBusinessowners Plus and Advantage FormsPricing Tools*And, don t forget about all of the tools we have in place to help you get the best price for the accounts we want to write. Multiple Policy Discount Plan Multiple Building Credit Plan Persistency Plan IRPM Individual Risk Premium Modification Years at Premises Modifier And others*Pricing tools are not available in all states or in all Premier Businessowners Programs.

10 Pricing is subject to individual risk BusinessownersPremier BusinessownersAuto Service11 Auto Service ProgramThe Auto Service Program is for small to medium auto service and repair businesses. With our broad appetite, we are willing to write most auto service and repair businesses on our BOP program. We are especially interested in the businesses listed Listing:Air Conditioning System Service or RepairAlignment & BrakesAuto Body RepairAuto DiagnosticAuto Glass RepairCar Washes Carburetor ShopsClutch Service or Repair (see Transmission)DetailingElectrical and Ignition Service or RepairEmissions TestingEngine RebuildingGeneral Automotive Service or RepairMuffler ShopsPaint ShopsQuick LubesRadiator Service or RepairSound ShopsTire DealersTransmission Service or Repair UpholsterersKey Underwriting Guidelines: An alarm is required if Theft coverage is desired.