UNDERWRITING GUIDELINES and CLASSIFICATIONS

1 Century Garage 550 Polaris Parkway, Suite 300, Westerville, OH 43082 | (614) 895-2000 | (800) 878-7389 | (614) 823-6396 Fax G A R A G E D I V I S I O N UNDERWRITING GUIDELINES and CLASSIFICATIONS CENTURY GARAGE GUIDELINES & CLASSIFICATIONS 2 August 2021 UNDERWRITING GUIDELINES Companies .. 5 Agent s Binding Authority .. 5 Auto Dealers coverage Form .. 5 Garage coverage Form .. 5 Auto Dealers & Garage coverage Forms .. 6 Additional Insureds & Waivers of Subrogation .. 6 Available Documents .. 7 Audits .. 8 Physical Audits .. 8 Uncollectible Audit Procedure.

2 8 Broker of Record Letters .. 9 Cancellations and Reinstatements .. 10 Certificates of Insurance .. 11 11 Reporting Notices of Loss .. 11 Summons and Complaint-Handling .. 12 Assignment of Claims .. 12 Communication .. 13 Dealers Physical Damage coverage .. 13 Catastrophic Exposures .. 13 Theft coverage .. 14 Documentation .. 15 Driver Eligibility Requirements .. 16 Driver History & Motor Vehicle Report Requirements .. 17 Endorsements .. 18 Fees .. 18 Filings .. 18 Garagekeepers coverage .. 19 Catastrophic Exposures .. 19 Theft coverage .. 19 Hired Auto liability coverage .

3 20 Incidental general liability CLASSIFICATIONS .. 20 Inspections .. 20 Insurance Department Complaints .. 21 Lapses in coverage .. 21 License Plates .. 22 Loss Runs .. 22 Minimum Policy Premiums .. 22 Named Insureds .. 23 Packaging Policies .. 24 Policy Issuance .. 25 Policy Terms .. 25 Premium Development .. 26 Auto Dealers liability .. 26 Garage Non-Dealers 27 Premium Financing .. 27 Rating .. 27 Century Online Quoting .. 27 Century Online Garage Downloads .. 27 Renewal Instructions and Requirements .. 28 Scheduled Auto liability & Physical Damage Coverages 29 Availability.

4 29 UNDERWRITING .. 30 Submissions to the Company .. 31 Surplus Lines Laws and Licensing .. 32 TRIA and Terrorism .. 32 Wildfire and Wind/Hail GUIDELINES .. 33 general GUIDELINES .. 33 State GUIDELINES .. 34 CENTURY GARAGE GUIDELINES & CLASSIFICATIONS 3 August 2021 CLASSIFICATION TABLES CLASSIFICATIONS .. 40 Classification Index .. 40 Classification Limitation Endorsement .. 40 Motor Vehicle Reports .. 40 Other Available Lines of Business .. 40 Service/Repair Operations .. 40 Classification Descriptions .. 41 Airbag Installation, Service or Repair .. 41 Airplane Maintenance and Repair (or Any Airport Premises Exposure).

5 41 Antique Auto Dealers .. 41 Antique Auto Repair and Restoration .. 41 Auto Alarm/Stereo Installation .. 42 Auto Auctions .. 42 Auto Dismantling or Salvage Yards .. 43 Auto Maintenance & Repair .. 44 Auto Maintenance & Repair Self-Service .. 44 Auto Parts and Accessory Sales .. 45 Auto Pawning/Auto Title Loans .. 45 Auto Storage No Repair .. 45 Autonomous Vehicle Dealers/Self-Driving Auto Dealers .. 46 Autonomous Vehicle Repair/Self-Driving Auto Repair .. 46 Bed Liner Installation including Spray-On Bed Liner Sales or Installation upon Automobiles .. 46 Boat Dealers.

6 47 Boat Repair Away from Premises .. 48 Boat Repair On Scheduled Premises .. 49 Boat Storage .. 50 Body Shop & Painting .. 51 Bus Dealers .. 51 Bus Repair .. 52 Car Washes Full 52 Consignment Sales .. 52 Contractors Equipment Dealers .. 53 Contractors Equipment 54 Dealers New Autos (Franchised) .. 55 Dealers Used Autos .. 55 Dealers Wholesale/Brokers/Internet .. 55 Detailers .. 56 Drive-Away Contractors .. 56 Electric Auto Repair .. 56 Electric Auto Sales .. 56 Emergency Vehicle Dealers .. 57 Emergency Vehicle Repair .. 57 Farm Equipment Dealers .. 58 Farm Equipment Repair.

7 59 Frame/Unibody Straightening .. 59 Fuel Conversion Shops .. 60 Gasoline Stations Full-Service (including Auto Repair) .. 60 Gasoline Stations Self-Service (without Auto Repair) .. 60 Golf Cart Dealers .. 60 Golf Cart Repair .. 61 Handicapped Modification Dealers .. 61 Handicapped Modification Repair .. 61 Hazmat Haulers .. 62 Heavy Truck Dealers .. 62 Heavy Truck Repair .. 63 CENTURY GARAGE GUIDELINES & CLASSIFICATIONS 4 August 2021 Ignition Interlock Device, Breathalyzer Installation or Repair .. 63 Impound Yards .. 64 Kit Cars or Other Auto Manufacturing .. 65 Lift Kits/Lowering Kits/Suspension Modification.

8 65 Limousine Conversion .. 66 Locomotive/Train Car/Box Car/Railroad Car .. 66 LPG Distributors/Dealers .. 66 Mobile Auto Repair Service/Roadside Assistance .. 67 Mobile Home/Manufactured Home Dealers or Toters .. 67 Mobile Home/Manufactured Home Repair or Toters 68 Motorcycle Dealers .. 69 Motorcycle Repair .. 70 Navigation System Installation .. 71 Non-Licensed Vehicle Dealer (ATV, UTV, Jet Ski, Snowmobile, Off-Road) .. 72 Non-Licensed Vehicle Repair (ATV, UTV, Jet Ski, Snowmobile, Off-Road) .. 73 Oil/Lube Service .. 74 Parking Lots & Parking Garages .. 74 Performance Repair/Performance Enhancement.

9 74 Powder Coating/Chrome Plating .. 75 Power Washing .. 75 Public Livery Repair (Taxi, Limo, Shuttle Bus) .. 75 Race Cars .. 76 Recreational Vehicle Dealer .. 76 Recreational Vehicle Repair .. 77 Recreational Vehicle Storage No Repair .. 77 Rental, Lease, Loan 78 Repossessors For Hire .. 78 Semi-Trailer Dealers .. 79 Semi-Trailer Repair .. 80 Structural Alteration or Modification .. 81 Structural Repair .. 82 Suspension Repair .. 83 Tanker Dealers .. 84 Tanker Repair .. 84 Tire Dealers - New .. 85 Tire Dealers - Used .. 85 Tire Repair/Re-Tread .. 86 Trailer Dealers.

10 87 Trailer Hitch Installation or Repair .. 87 Trailer Repair .. 88 Upholstery .. 89 Valet Parking .. 90 Van Conversion/Food Truck Conversion .. 91 Window Tinting .. 91 Windshield Installation/Repair .. 92 Wrecker Service .. 93 CENTURY GARAGE GUIDELINES & CLASSIFICATIONS 5 August 2021 COMPANIES The Century Garage UNDERWRITING Division writes coverage using the Auto Dealers coverage Form and the Garage coverage Form under the following names: Century Surety Company [Risks Domiciled Outside of Arizona and Ohio] ProCentury Insurance Company [Risks Domiciled in Ohio] AmeriTrust Insurance Corporation [Risks Domiciled in Arizona] Please refer to the Garage State Availability document in Century Online (COL) for current information for each state.