Product and Appetite Guide. Travelers Canada Business Insurance

Transcription

1 Product and Appetite Guide Travelers Canada Business Insurance

2 SMALL, NON-COMPLEX COMMERCIAL RISKS Automotive services Hospitality Office Realty Retail Trades Wholesale Put in a header that says: SMALL, NON-COMPLEX COMMERCIAL Small, AUTOMOBILE non-complex RISKS Individually Individually Rated Commercial Rated Automobile Commercial (IRCA) Automobile (IRCA) SMALL TO MID-SIZE COMMERCIAL RISKS Business and professional services Construction Oil & Gas contractor operations Hospitality Manufacturing Realty Retail Wholesale MID-SIZE TO LARGE COMMERCIAL RISKS Construction Electrical equipment manufacturers IndustryEdge for Hotels IndustryEdge for Restaurants IndustryEdge for Food and Beverage Manufacturers IndustryEdge for Metal Products Manufacturers IndustryEdge for Mineral Products Manufacturers IndustryEdge for Plastic and Rubber Goods Products Manufacturers IndustryEdge for Textiles Manufacturers IndustryEdge for Wood Products Manufacturers IndustryEdge for Printers Publishers IndustryEdge for Real Estate IndustryEdge for Retail IndustryEdge for Technology IndustryEdge for Wholesalers, Distributors and Importers NATIONAL AND SPECIALTY LARGE AND SPECIALIZED COMMERCIAL RISKS Marine Passenger Transportation National Programs & MGAs Public Sector National Property ADDITIONAL INFORMATION About this guide Risk Control services Specialty Segments Entertainment Oil & Gas Travelers Canada Cross Border services

3 Solutions for small, non-complex businesses The Select Express team underwrites small, non-complex business using our award-winning E-CLIPS portal. Our seven package products within Select Express provide straightforward terms and conditions with easy to understand coverage. Limits can easily be tailored to suit your clients needs through packaged extension options with the ability to buy up. Automotive services Hospitality Office Realty Retail Trades Wholesale Select Express also underwrites Individually Rated Commercial Automobile (IRCA) risks. IRCA Submissions Send all submissions for Select Express to E-CLIPS features: A quick quote process that determines if our premium is going to be competitive in just 30 seconds A full quote process that takes only 5 minutes Binding that can be completed in under 5 minutes Competitive premiums, particularly for trades, automotive services and offices 15 percent discretionary pricing available A complete CSIO application can be completed at the click of a button, which can be forwarded to a Select underwriter (if the risk falls outside of E-CLIPS appetite) or to another market Brokers that make use of PolicyWorks as their commercial management system can benefit from automatic data exchange with E-CLIPS Broad coverage created to meet the insurance needs of the different industries/e-clips products Available extensions and optional coverage Claims-free deductible credit Multi-policy discount 10 percent on commercial auto and 5 percent on the commercial property Professional quote proposal that outlines key coverages and deductibles Once a broker has finalized a quote in our portal, it is exclusively his/hers; no other broker can quote the same risk using E-CLIPS

4 Automotive services in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Auto detailing Auto glass repair and installation Auto repair garage mechanical repair and gas sales* Auto repair garage mechanical repairs only* Auto rustproofing Car stereo and alarm sales and installation* Car wash automatic Car wash self-serve Gas station full-serve and self-serve (no auto repairs) Gas station self-serve only (no auto repairs) Gas station with mechanical repairs Muffler repair Oil change and lubrication Radiator repair Transmission repair We have the capacity to quote Garage SPF#4 capabilities for non-owned auto. *Mandatory theft protection required Resources Sell sheet

5 Automotive services featured coverages Designed for businesses that maintain or repair private passenger or small commercial vehicles. Pollution cleanup and removal Coverage for the expense to extract pollutants from land or water at the described premises resulting from a covered cause of loss. Limit of $25,000. Limited pollution Coverage for bodily injury or property damage from an unexpected or unintentional spill of pollutants if detected within 120 hours and reported immediately. Tanks must be under 15 years of age to qualify for coverage. Limit of $500,000. Insured s tools Coverage for the insured s tools is provided on the premises or off-premises. Employees tools Coverage for tools belonging to an employee used in the business of the insured is provided on the premises or off-premises. Gas pumps Coverage for gas pumps are included in the value of the business contents. Gas in underground tanks Coverage for specified named perils. Hoist collision Coverage for accidental collision between insured s hydraulic or mechanical hoists and another object. Peak season endorsement The amount of insurance on business contents is automatically increased by 25 percent of business. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, and mechanical and electrical equipment on your premises is automatically included for repair or replacement. Business income form Coverage for the actual loss of business income sustained (for up to 12 months) caused by an interruption in the insured business or ability to rent your premises resulting from a covered cause of loss. This policy also covers those expenses incurred to resume normal business operations after the loss. Contingent business interruption Coverage for loss of income as a result of damage by a covered cause of loss to the property of a supplier, customer or anchor business which attracts business to the insured. Advertising liability Personal injury and advertising liability for claims arising out of libel, slander, false arrest, wrongful eviction and infringement of copyright.

6 Hospitality in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + All E-CLIPS Hospitality quotes are quoted by our Select Express Team. Cafe, coffee shop (no Internet cafes) Delicatessen with seating (no alcohol sales) Donut shop takeout only (no baking or deep fat frying) Donut shop with baking/deep fat frying Drive-through restaurant Food court operation takeout only Restaurant licensed (no dancing or live entertainment)* Restaurant (no alcohol sales or entertainment) Takeout food service (no delivery) *Mandatory theft protection required Resources Sell sheet

7 Hospitality featured coverages Designed for small family restaurants with limited liquor sales, risks in food courts, and takeout food operations with minor off-premises catering. Personal property of customers Coverage for up to $1,000 per customer at the insured premises if the items are in the insured s safekeeping or if they are responsible for it. Stock spoilage Coverage for loss or damage to perishable foods due to change in temperature resulting from insured damage to specified equipment on- or off-premises. Equipment breakdown Coverage for boilers, air conditioning and refrigeration, and mechanical and electrical equipment on your premises is automatically included for repair or replacement. Fire suppression recharge Coverage for the cost of recharging your automatic fire suppression system if the discharge was caused by a covered cause of loss. Business income form Coverage for the actual loss of business income sustained (for up to 12 months) due to an interruption to the insured business or ability to rent your premises resulting from a covered cause of loss. Also covers those expenses incurred to resume normal business operations after the loss. Contingent business Coverage for loss of income as a result of damage by an insured loss to the property of a supplier, customer or anchor business which attracts business to your premises, up to a limit of $25,000.

8 Office in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Accountants Acoustical consultants Actuarial consultants Anaesthetists Architects Audiologists (no retail) Auditors Bookkeepers Career consultants including résumé writing (no placement agencies) Chiropodists Chiropractors Consulting engineers Dentists and hygienists (no dental laboratories) Dermatologists Export consultants (no freight forwarders) Financial planners General practitioners and family doctors Graphic designers (no Web development) Gynecologists Health and safety consultants Hearing aid services (no retail) Human resources/personnel consultants (no placement agencies) Insurance adjusters, insurance agents and brokers Interior decorators (no installations) Investment firms and commodities brokers Lawyers, barristers and solicitors Mortgage brokers Notaries Obstetricians Occupational therapists Oculists Ophthalmologists Optometrists (no retail) Osteopaths Periodontists Physiotherapists Podiatrists Psychiatrists and psychologists Quality assurance consultants Real estate agents (no property management) Registered dieticians Registered massage therapists (no other treatments/modalities; not massage parlours) Surgeon specialists office only Tax preparation services Translation services Travel agents (excluding tour operators/guides) Urban planning consultants Wedding/Event planners (no retail) *Mandatory theft protection required Resources Sell sheet

9 Office featured coverages Comprehensive coverage for offices with off-premises operations limited to visiting the premises of others for consultation, exhibitions, employee seminars and social functions. Business contents Coverage for business contents includes EDP and media coverages, as well as merchandise, furniture, fixtures and equipment. Laptops on premises are included in this coverage. Laptops off-premises are covered under transit and contents at unnamed locations. Data coverage Coverage for a loss of data by a named peril up to the limit indicated, in addition to the business contents limit. Computer breakdown Coverage for mechanical breakdown of data processing equipment and media, subject to a $1,000 deductible. Valuable papers Coverage applies to the cost of research and other expenses to reproduce books of account and other records damaged by a covered loss. Fine arts Fine arts on the premises are covered up to 50 percent of the business contents limit. The business contents limit must include the total value of all your fine arts. The $2,500 limit shown is the maximum payable for any one item. Employee benefits Coverage for errors and omissions in the administration of employee benefit plans. Employer s liability Coverage for bodily injury to employees who are not covered by worker s compensation. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, mechanical, electrical equipment and electronic equipment on your premises is automatically included for repair or replacement. Business income form Coverage for the actual loss of business income sustained (for up to 12 months) caused by an interruption to the insured business or ability to rent your premises resulting from a covered cause of loss. Also covers those expenses incurred to resume normal business operations after the loss. Personal and advertising injury Liability coverage for claims arising out of libel, slander, false arrest, wrongful eviction and/or infringement of copyright.

10 Realty in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Apartment buildings over 4 units, with or without retail occupancy Condominium unit leased to residential, office, retail or hospitality operations Multiple occupancies with retail, office tenants and apartments Office buildings Retail with or without restaurant Strip malls (not enclosed shopping malls) Townhouse building complex (not condominiums) As an additional location only: Rented dwellings (1 4 families) Vacant land (excluding any development or construction) This risk has been owned and operated for a minimum of 3 years or the owner must be qualified and have a minimum of 3 years related business experience Resources Sell sheet

11 Realty featured coverages Broad coverage for building owners. Business contents Coverage for your own furniture, fixtures and equipment as well as electronic data processing equipment and media. Coverage is on an all-risk replacement cost basis. Limit of $10,000. Master key Coverage for replacement of mechanical or electronic keys or locks following loss of master keys. Fine arts Fine arts on the premises are covered up to 50 percent of the business contents limit. The business contents limit must include the total value of all your fine arts. The $2,500 limit shown is the maximum payable for any one item. Civil authority Coverage for a loss of income during which access to the premises is prohibited by civil authority for up to four weeks as a result of damage to neighbouring premises by a covered cause of loss. Personal and advertising injury Liability coverage for claims arising out of libel, slander, false arrest, wrongful eviction and or infringement of copyright. Employee benefits Coverage for errors and omissions in the administration of employee benefit plans. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, mechanical and electrical equipment on your premises is automatically included for repair or replacement. Rental income form Coverage for the actual loss of rental income sustained (for option of 12, 18 or 24 months) caused by the inability to rent your premises resulting from a covered cause of loss. This policy also covers those expenses incurred to resume normal business operations after the loss. Mortgage rate guarantee Provides up to 60 months of coverage for the difference in the mortgage rate between the existing mortgage rate and the new mortgage rate following a total loss to the building if a new mortgage must be negotiated.

12 Retail in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Accessories women s and men s (excluding jewellery) Arts and craft supplies Artificial flowers and plants Artist supplies Audiologist with retail sales Auto parts and accessories (no installation)* Bakery retail outlet Barber shop, men s hairstyling Bedding Beer, wine and liquor store (not make your own)* Bicycle sales Books new only Bridal shop* Bulk food Butcher shop Cameras and photography equipment* Candy store Carpet/floor coverings (no Persian and Oriental rugs) Cellular/mobile phones* Closet organizers and accessories Convenience store (not written in urban areas)* Copying/duplicating service, quick printers store only Craft store (not kiosk or flea market) Dairy products (excluding manufacturing and wholesale) Dollar store* Drapery/blinds Dry cleaners and launderers receiving depot only (no cleaning on premises) DVDs, CDs, electronic games, media and software* Fabric Family clothing (excluding leather, furs and fur-trimmed items)* Fish market Fishing supplies and bait shop* Florist (no greenhouses) Food store (excluding health food and convenience stores) Footwear Frozen food Fruit and vegetable Furniture and heavy appliances General store county location, non-urban, no alcohol sales* Gift baskets custom Giftware and china Golf equipment and accessories* Gourmet food shop Greeting cards Grocery store (under 10,000 sq ft) Hair salon (no spas or tanning beds) Hardware (no firearms, ammunition or lumber sales)* Health foods (no nutritional counselling services or proprietary formulations) Hearing aid services with retail sales Home decor accessories Ice cream shop Ice sales Kitchen accessories Knitting supplies and wool Lamp and lighting fixtures* Lawn and garden centre store only Lingerie* Luggage and handbags Marine and boating supplies (no repair or service; no sales of motors or motorized boats) Men s clothing (excluding leather, furs and fur-trimmed items)* Musical instruments* Office supplies* Opticians with retail sales* Optometrists with retail sales* Paint and wallpaper (no off-premises work) Perfumes, cosmetics and beauty supplies (no wholesale permited)* Pet supplies and incidental grooming (excluding animal sales and training) Photo developing and printing services Picture framing and sales of prints Plumbing, heating, air conditioning supplies Shoe repair including shines Souvenir shop Sporting goods (no firearms or ammunition, sky diving or scuba diving equipment)* Stationery Swimwear* Television, audio, video equipment and computers* Toys Women s clothing (excluding leather, furs and fur-trimmed items) *Mandatory theft protection required Resources Sell sheet

13 Retail featured coverages For risks that occupy less than 10,000 square feet and sell directly to the consumer. Incidental wholesale of same goods are allowed, however, must be less than 50 percent of annual revenue. If wholesales represent 50 percent or greater, the risk must be requalified in E-CLIPS wholesale. Sales representative Coverage for samples of stock carried by salespeople while away from the business premises and in transit. Limit of $10,000. Stock spoilage Coverage for spoilage of perishables from damage caused by the perils insured to specified equipment on- or off-premises. Spoilage Coverage for spoilage of perishables from the breakdown of equipment. Peak season endorsement Coverage for business contents is automatically increased by 25 percent to allow for seasonal variations. Brands and labels Coverage for the cost to remove trademarks or labels on damaged merchandise following an insured loss. Limit of $25,000. Deferred payment Coverage for loss of property sold on a deferred payment plan that is damaged by a covered cause of loss, but only for your financial interest in the property. Limit of $25,000. Contingent business income Coverage for loss of income due to damage by a covered loss to the property of a supplier, customer or anchor business which attracts business to your business location. Retail product impairment Coverage for a retailer who suffers loss of income as a result of the recall of a product from the market. A $2,500 deductible applies and there is a limit of $25,000. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, and mechanical and electrical equipment on your premises is automatically included for repair or replacement. Business income form Coverage for the actual loss of business income sustained (for up to 12 months) caused by an interruption in the insured business or the inability to rent your premises resulting from a covered cause of loss. This policy also covers those expenses incurred to resume normal business operations after the loss. Transit Coverage for your business contents while in transit to your premises and while being delivered. Miscellaneous property form Coverage for tools or equipment which will be used for business related work off-premises.

14 Trades in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Acoustic ceiling installation Air conditioning equipment Awning installation Carpentry Carpet and flooring installation Carpet, drapery and furniture cleaning Deck, fence and patio construction Door installation Drywall, plastering and lathing contractor Duct cleaning residential only Duct installation and fabrication Eaves trough installation Electrical appliance and equipment installation Electrical wiring contractor Excavation contractor Framing of buildings Gardening and landscaping Glazier (not over 5 stories) Grading of land Handyman/general labourer as defined Insulation of buildings Interior renovation contractor no structural work Land surveyor Locksmith (no alarm installation) Masonry, bricklaying, stucco contractor Meter readers gas, water and electricity Painting and paper hanging (no exterior spray-painting) Paving contractor driveway, parking lot and sidewalk Plumbing no sprinkler, boiler or industrial work Refrigeration contractor Satellite dish installation including TV antennae Sealing of driveways and pavement Sidewalk construction Siding installation (not over 5 stories) Sign installation (not over 5 stories) Solar energy contractor residential and commercial Sprinkler installation lawn only Street cleaning (no snow removal) Tile, terrazzo and marble installation Tree removal, trimming and pruning Water softening equipment installation Window cleaning (not over 5 stories) Window installation Wood burning appliance installation and repair WETT certified only Resources Sell sheets

15 Trades featured coverages Provides broad coverage designed specifically for qualifying contractors with no more than 25 percent of revenue being subcontracted. Contractor s equipment All risks coverage for mobile equipment on-premises, off-premises and in transit. A list of equipment may be requested. Portable business tools Coverage for $1,500 per item. Newly acquired equipment Coverage for any newly acquired equipment is covered for 30 days up to a limit of $50,000. Leased, rented or borrowed equipment Equipment that you rent, borrow or lease in addition to your own equipment. Rental reimbursement Coverage for up to $500 per item per day to rent equipment following damage to insured equipment by a covered cause of loss. Contractor s equipment replacement cost Coverage for owned or leased equipment less than three years old, we will pay for any covered loss on a replacement cost basis. Loss of earnings When scheduled equipment is damaged by an insured loss, you are covered for the loss of earnings from the equipment until it is repaired or replaced. Installation form Coverage for materials and supplies intended for installation at a jobsite, while in transit or at temporary premises. Voluntary property damage Coverage for unintentional damage to the property of others, despite the fact that you are not legally liable. Limit of $2,500. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, and mechanical and electrical equipment on your premises is automatically included for repair or replacement. Commercial general liability Liability for bodily injury and property damage to others is covered for your insured business operations.

16 Wholesale in appetite GENERALLY EXCLUDED + OTHER REQUIREMENTS + Accessories women s and men s (excluding jewellery)* Artificial flowers and plants Barber shop and beauty salon supplies* Beverages non-alcoholic only Books new only Carpets (excluding Persian, Oriental and antique rugs)* DVDs, CDs, electronic games, media and software* Equipment for bars, hotels, restaurants, offices and stores (no mechanical or electronic amusement devices)* Fabric and wool* Flooring materials* Flowers and plants (not nurseries or growers) Food, beverages, fruits and vegetables Footwear* Furniture* Garden supplies (no hydroponics) Giftware and china* Greeting cards* Heating, air conditioning and refrigeration equipment* Hobby supplies* Home decor accessories* Housewares* Kitchen and personal grooming appliances* Luggage and handbags* Marble, ceramic, decorative stone and clay Men s and boy s wear* Musical instruments* Optical goods and cameras (excluding eyewear)* Paper and paper products (not paper for recycling)* Pet food and pet supplies (no animals) Pictures and ornaments (no fine arts) Plumbing supplies and electrical apparatus* Stationery* Television, audio and video equipment* Tools and other hardware* Wallpaper Window goods and draperies Women s and girl s wear* *Mandatory theft protection required Resources Sell sheet

17 Wholesale featured coverages Designed for qualifying wholesalers to address the needs of a variety of business operations. Sales representative Coverage for samples of stock carried by salespeople while away from the business premises and in transit. Limit of $10,000. Stock spoilage Coverage for spoilage of perishables from damage caused by the perils insured to specified equipment on- or off-premises. Spoilage Coverage for spoilage of perishables from the breakdown of equipment. Peak season endorsement Coverage for business contents is automatically increased by 25 percent to allow for seasonal variations. Brands and labels Coverage for the cost to remove trademarks or labels on damaged merchandise following an insured loss. Limit of $25,000. Deferred payment Coverage for loss of property sold on a deferred payment plan that is damaged by a covered cause of loss, but only for your financial interest in the property. Limit of $25,000. Contingent business income Coverage for loss of income due to damage by a covered loss to the property of a supplier, customer or anchor business which attracts business to your business location. Equipment breakdown Coverage for boilers, air conditioning and refrigeration equipment, mechanical and electrical equipment on your premises is automatically included for repair or replacement. Business income form Coverage for the actual loss of business income sustained (for up to 12 months) caused by an interruption in the insured business or the inability to rent your premises resulting from a covered cause of loss. This policy also covers those expenses incurred to resume normal business operations after the loss. Transit Coverage for your business contents while in transit to your premises and while being delivered.

18 Individually Rated Commercial Automobile (IRCA) in appetite GENERALLY EXCLUDED + Sales and service vehicles Artisans Contractors Wholesale delivery Short-haul delivery

19 Solutions for small to medium-sized business Our Select Plus policy for small to medium-sized business is flexible and provides comprehensive coverage tailored to each individual applicant s specific insurance needs. We offer a broad suite of customizable coverage in all lines of business including property, business interruption, equipment breakdown, crime, general liability, umbrella, automobile and garage. Our added value is in our underwriting expertise and our business partnerships with Risk Control, Claim and Operations. Submissions Send all submissions for Select Plus to BIsubmissions@travelers.com We strive to offer a service, product and pricing proposition that will help our brokers write, retain and grow their business with us. Select Plus offers automobile coverage for commercial clients with fleets up to 25 vehicles on a schedule or on a blanket basis. We also write SPF#4 (garage policy) in conjunction with the property and casualty. We are looking for established operations with experienced drivers and a commitment to fleet management. Business and professional services Construction Oil & Gas contractor operations Hospitality Manufacturing Realty Retail Wholesale

20 Business and professional services GENERALLY EXCLUDED + OTHER REQUIREMENTS + Business and professional service clients include a wide variety of operations, often with a premises-based focus. Office contents and computer hardware limits are tailored to the clients needs. In appetite: Accountants/Bookkeepers Advertising agencies Architects Barber shops Carpet cleaning Engineers Financial planning Funeral homes Graphic design Feature coverages: Property Liability Crime Equipment breakdown Insurance brokerage Lawyers/Public notaries Locksmith Management consultants Employment agency (office staff) Tax preparation services Travel agents Medical offices Business interruption Umbrella Automobile Additional expertise

21 Construction GENERALLY EXCLUDED + OTHER REQUIREMENTS + Whether a risk is a one-man renovation contractor or a larger construction company, Travelers Canada will meet the coverage requirements of the operation. From office premises to the job site, we have contractors covered. For mid-size customers looking for a unique suite of coverage, the Enhanced Contractor s Policy is available for specific operations. In appetite: Building construction Acoustic ceilings Carpentry Doors and windows Drywall Electrical wiring Sidewalk construction Excavation Fence/Deck/Patios Floor coverings Landscaping Feature coverages: Property The Enhancer Liability Crime Equipment breakdown Masonry Millwright Painting (not spray painting) Handyman Road construction Sheet metal Tilework Glass installation (low rise buildings only) Lawn sprinkers Siding and eavestrough Business interruption Umbrella Automobile Tools and contractor s equipment

22 Oil & Gas contractor operations GENERALLY EXCLUDED + OTHER REQUIREMENTS + Whether our risk is a one man consultant or a larger oilfield contracting company, Travelers Canada will meet the coverage requirements of the operation. From office premises to the job site, we have contractors covered. For midsized customers looking for a unique suite of coverage, the Enhanced Contractor s Policy is available for specific operations. In appetite: Battery operator Well servicing Coil tubing Pipeline pigging Production/Pressure testing Sandblasting/Cleaning equipment and maintenance of equipment Oilfield instrumentation Vacuum/Steamer truck operations Wireline including borehole cleaning Featured coverages: Property Liability Crime Equipment breakdown Business interruption Automobile The Enhancer Wireline logging Oilfield consultants Geologists, seismic exploration Safety consultants Inspection/Monitoring and nondestructive testing services Landman Site supervisors Well supplies and equipment dealer (equipment rental) Tools and contractors equipment Pollution coverage available on certain classes** Forest firefighting expense on certain classes** **refer to underwriter

23 Hospitality GENERALLY EXCLUDED + OTHER REQUIREMENTS + Where we choose to write hospitality risks, we are looking for those that are well-established, financially stable with a demonstrated profitability and a premium to support the exposures. In appetite: Delicatessens Food court operations Fine dining establishments Coffee shops Takeout meal services The Select Plus team provides in-depth knowledge and coverage requirements for hospitality risks. We are able to tailor coverage specific to clients, based on their business needs, to help protect their assets and income. Feature coverages: Property The Enhancer Crime Equipment breakdown Business interruption Liability Umbrella Automobile

24 Manufacturing GENERALLY EXCLUDED + OTHER REQUIREMENTS + Select Plus provides underwriting expertise for the unique operations within manufacturing, with special attention to property and liability coverage requirements. With our Risk Control services, we partner with our clients in loss prevention. In appetite: Wineries Metal products Commercial printers Cloth goods Leather products Footwear Glassware Feature coverages: Property General liability The Enhancer Crime Equipment breakdown (including an option to purchase coverage for production machinery) Signs fluorescent, neon, metal and wood Costume jewellery Clothing Draperies/Tapestries Plaster products Housewares Business interruption Umbrella Automobile

25 Realty GENERALLY EXCLUDED + OTHER REQUIREMENTS + Select Plus offers an affordable way for realty clients to obtain key coverages that are important to any business, that can be tailored to the needs of building ownership. For qualifying risks, Select Plus also offers unique additional coverages via our Building Owner s Advantage product. In appetite: Office buildings Building owner: Manufacturing warehouse tenants dependent on tenant processes and type of stock warehoused Condominium: Office tenants and mercantile tenants Industrial plaza Feature coverages: Property Liability Crime Equipment breakdown Rental income Umbrella We can provide coverage for residential realty risks, in conjunction with commercial occupancies, that are well-maintained with long-term tenants and established property practices. Resources Additional coverages available

26 Retail GENERALLY EXCLUDED + OTHER REQUIREMENTS + In addition to providing our retail clients property coverage for their stock, we also provide crime and equipment breakdown coverage to help protect their business. We ensure proper liability protection for their exposures, from premises operations to garage liability extensions. In appetite: Auto detailing Auto glass Auto parts and accessories Auto body repairs Baked goods Camera shops Car stereo sales Clothing stores Electronic equipment Floor coverings Gas station Gift store Feature coverages: Property The Enhancer Liability Crime Equipment breakdown Hardware (no firearms) Home décor Home entertainment Household appliances Lawn and garden supplies Luggage sales Oil change Paint and wallpaper Picture framing Shoe stores Snowmobile and ATV sales and repair Sporting goods (no firearms) Business interruption Umbrella Automobile SPF4 Garage auto

27 Wholesale GENERALLY EXCLUDED + OTHER REQUIREMENTS + Select Plus provides a suite of coverages to meet our wholesale clients needs, including property coverage for any stock for which the business takes custody. This product is available to a wide variety of established wholesale businesses operating in Canada that meet the eligibility requirements In appetite: Appliances Dry goods Electrical apparatus Garden supplies Home decor Housewares Hardware supplies (no firearms) Office supplies Feature coverages: Property The Enhancer Crime Equipment breakdown Business interruption Liability Umbrella Automobile

28 Solutions for mid-sized businesses Middle Market provides tailored insurance products and services to mid-sized businesses. Travelers Canada Middle Market offers all the core lines of insurance including general liability, commercial auto, product liability, property, business interruption and umbrellas, as well as several specialized lines. It includes Commercial Accounts, Construction and Technology business segments, including IndustryEdge. This is an exciting space where product, underwriting excellence, Risk Control and claim expertise is needed to reach our profitable growth goals. Construction Electrical equipment manufacturers IndustryEdge for Hotels IndustryEdge for Restaurants IndustryEdge for Food and Beverage Manufacturers IndustryEdge for Metal Products Manufacturers IndustryEdge for Mineral Products Manufacturers IndustryEdge for Plastic and Rubber Goods Products Manufacturers IndustryEdge for Textiles Manufacturers IndustryEdge for Wood Products Manufacturers IndustryEdge for Printers Publishers IndustryEdge for Real Estate IndustryEdge for Retail IndustryEdge for Technology IndustryEdge for Wholesalers, Distributors and Importers Entertainment Oil & Gas

29 Construction in appetite Established civil, electrical, mechanical, specialized trade and general contractors minimum revenue of $5 million ($3 million in Atlantic Canada) Contractors whose owner/management/key on-site personnel have a minimum of 10 years of contracting experience Stand-alone course of construction and/or wrap-up coverage for construction projects Our preference is for projects insured by the contractor (contractor controlled insurance program); although, we may look at projects insured by the owner (owner controlled insurance program), especially if the owner is a public entity or a public/ private partnership Insured projects including, but not limited to construction/erection work for: Buildings Hospitals Production facilities Warehouses Highways Streets Bridges Tunnels Structural steel erection Other civil works projects Installation work for: Sewers, water mains and pipelines Plumbing, heating and air conditioning Mechanical and electrical infrastructure and systems

30 Construction coverages Feature coverages: Property and business interruption Commercial general liability and umbrella, including sudden and accidental pollution Fleet auto coverage on an account basis Contractors equipment Construction/builder s risk/installation floater coverage, blanket or project-specific, as well as delay in opening and soft cost coverage Wrap-up liability (CCIP projects only) Equipment breakdown including during testing and commissioning Additional coverages: Ocean marine coverage Contractors professional liability

31 Electrical equipment manufacturers in appetite GENERALLY EXCLUDED + Electrical distribution equipment Electrical industrial apparatus Household appliances Electrical lighting Wiring equipment Other types of electrical equipment and supplies Resources Manufacturer s Toolbox Supply Chain Pressure Test

32 Electrical equipment manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Electronic vandalism Employee tools Newly constructed or acquired property Non-owned detached trailers Property at installation site Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

33 IndustryEdge for Hotels in appetite GENERALLY EXCLUDED + In appetite: Franchised hotel operations Convention hotels or conference centres Both full- and limited-service hotels Suite hotels Resources Sell sheet Hotel Risk Management Guide

34 IndustryEdge for Hotels coverages Feature coverages: Inclusion of contents, stock, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Interruption of utility services Electronic vandalism Loss of master key, including key cards Outside signs Walkways, sidewalks, driveways and parking areas Ordinance or law, including increased cost of construction and demolition costs Optional coverages: Emergency evacuation expense boarding students or hotel guests endorsement Restaurant wine stock endorsement Food contamination direct damage endorsement Equipment breakdown coverage Hospitality errors and omissions liability endorsement Personal grooming services endorsement

35 IndustryEdge for Restaurants in appetite GENERALLY EXCLUDED + Concentrated on established restaurants, including: Fine dining restaurants Upscale casual restaurants Resources Sell sheet Restaurant Risk Management Guide

36 IndustryEdge for Restaurants coverages Feature coverages: Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Interruption of utility services Electronic vandalism Outdoor property Walkways, sidewalks, driveways and parking areas Ordinances or laws, including increased cost of construction and demolition costs Newly constructed or acquired property Optional coverages: Peak season increased limit of insurance endorsement Spoilage direct damage endorsement Food contamination direct damage endorsement Infestation direct damage endorsement Restaurant wine stock endorsement Equipment breakdown coverage including production machinery

37 IndustryEdge for Food and Beverage Manufacturers in appetite GENERALLY EXCLUDED + Bakery products/dry goods Candy and confectionery products Chocolate and cocoa products Ice cream and frozen desserts Prepared foods Milk and dairy Fruits and vegetables Meat and seafood Soft drink manufacturers Craft breweries and wineries Canned foods, frozen and pickled foods Resources Sell sheet Wineries sell sheet Manufacturer s Toolbox Supply Chain Pressure Test

38 IndustryEdge for Food and Beverage Manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Non-owned detached trailers Interruption of utility services Electronic vandalism Newly constructed or acquired property Stored water Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

39 IndustryEdge for Metal Products Manufacturers in appetite GENERALLY EXCLUDED + Auto parts (non-critical) Metal casting and moulding Industrial and commercial machinery and equipment Metal forging Metal rolling, drawing and extruding Metal stamping and machining Resources Sell sheet Manufacturer s Toolbox Supply Chain Pressure Test

40 IndustryEdge for Metal Products Manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Employee tools Property at installation site Stored water Non-owned detached trailers Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

41 IndustryEdge for Mineral Products Manufacturers in appetite GENERALLY EXCLUDED + Manufacturing or processing of concrete, gypsum, stone, clay and abrasive products, including: Crushed and broken limestone Construction sand and gravel Glass products, made of purchased glass Brick and structural clay tile Concrete block and brick Concrete products, except block and brick Ready-mix concrete Cut stone and stone products Abrasive products Mineral and earth, ground and otherwise treated Resources Sell sheet Manufacturer s Toolbox Supply Chain Pressure Test

42 IndustryEdge for Mineral Products Manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Employee tools Property at installation site Stored water Non-owned detached trailers Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

43 IndustryEdge for Plastic and Rubber Goods Products Manufacturers in appetite GENERALLY EXCLUDED + Highly Protected Risk (HPR) Manufacturers of finished goods including such processes as: Lamination and films Fabricated rubber products Plastic plumbing fixtures Food containers Plastic bottles Laminated/Film products Plastic and rubber footwear Molded, extruded and lathe-cut rubber goods Rubber or plastic hoses and belting Plastic pipe Gaskets, packaging and sealing Resources Sell sheet Manufacturer s Toolbox Supply Chain Pressure Test

44 IndustryEdge for Plastic and Rubber Goods Products Manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Employee tools Property at installation site Stored water Non-owned detached trailers Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

45 IndustryEdge for Textile Products Manufacturers in appetite GENERALLY EXCLUDED + Manufacturers of textile products including knitting, spinning, weaving and finishing sectors Apparel and accessories Broad woven fabric mills Cotton and man-made fiber and silk Household furnishings, except draperies and curtains Technical fabric manufacturers Resources Sell Sheet Manufacturer s Toolbox Supply Chain Pressure Test

46 IndustryEdge for Textile Products Manufacturers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Employee tools Property at installation site Stored water Non-owned detached trailers Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Manufacturers errors and omissions insurance Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

47 IndustryEdge for Wood Products Manufacturing in appetite GENERALLY EXCLUDED + Manufacturers of finished goods, including: Furniture Kitchen cabinet Furniture and fixtures Wood products Boxes Knobs Dowels Containers Drapery hardware Paper Stationery products Paperboard boxes Sanitary paper products Resources Sell Sheet Manufacturer s Toolbox Supply Chain Pressure Test

48 IndustryEdge for Wood Products Manufacturing coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Selling price valuation on finished stock held for sale Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Employee tools Property at installation site Stored water Non-owned detached trailers Undamaged parts of stock in process Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Product recall expense endorsement Peak season increased limit of insurance endorsement Hoist liability coverage Public relations crisis management service expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements Ocean cargo and other ocean marine lines

49 IndustryEdge for Printers in appetite GENERALLY EXCLUDED + Printers of all types Pre- and post-press service providers Commercial and lithographic printers Book, textbook, pamphlet and music book printers Business form printers Resources Sell sheet Printing Industry Risk Management Guide

50 IndustryEdge for Printers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Non-owned detached trailers Business income Contract penalties Business income from dependent property Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Printers, errors and omissions coverage Product recall expense endorsement Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements

51 Publishers in appetite GENERALLY EXCLUDED + Newspaper publishing Periodical publishing Book publishing Miscellaneous publishing Greeting card publishing

52 Publishers coverages Feature coverages: Commercial property Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Replacement cost for patterns, dies and forms in current usage Interruption of utility services Newly constructed or acquired property Electronic vandalism Non-owned detached trailers Business income Contract penalties Business income from dependent property Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Waiver of subrogation Optional coverages: Product recall expense endorsement Peak season increased limit of insurance endorsement Public relations crisis management services expense Crisis management expense Equipment breakdown coverage including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown endorsements

53 IndustryEdge for Real Estate in appetite GENERALLY EXCLUDED + Owners and managers of non-residential buildings Owners and managers of condominium and apartment buildings Owners and managers of commercial and industrial building complexes Resources Sell Sheet

54 IndustryEdge for Real Estate coverages Feature coverages: Inclusion of contents, stock, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Interruption of utility services Electronic vandalism Loss of master key, including key cards Outside signs Walkways, sidewalks, driveways and parking areas Ordinance or law including increased cost of construction and demolition costs Definition of building includes foundations and glass Newly constructed or acquired property Civil authority Ingress or egress Optional coverages: Equipment breakdown coverage Include some depreciation as a continuing operating expense for business income Green building coverage: Crisis management services expense Emergency vacating expenses and tenant move back expenses Condominium loss assessment Condominium association coverage provisions Inflation guard Infestation direct damage and business income

55 IndustryEdge for Retail in appetite GENERALLY EXCLUDED + Department stores Lumber and building materials Paint, glass and wallpaper stores Miscellaneous and general merchandise stores Meat and fish markets Fruit and vegetable markets Retail bakeries Miscellaneous food stores Auto and home supply stores Clothing and apparel stores Furniture stores Floor covering stores Drapery, curtain and upholstery stores Miscellaneous home furnishing stores Radio, television and music stores Computer and computer software stores Resources Sell sheet

56 IndustryEdge for Retail coverages Commercial property and business income coverages: Includes contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Newly constructed or acquired property Electronic vandalism Business income from dependent property Contract penalties Transit business income Selling price valuation on stock available for sale Commercial general liability Limited worldwide coverage with suits brought back to North America Optional coverages: Infestation coverage including property and business interruption Public relations crisis management service expense for business interruption and umbrella Inflation shield Cyber Directors and officers liability Crime insurance Boiler

57 IndustryEdge for Technology in appetite GENERALLY EXCLUDED + Computer hardware manufacturers/wholesalers Service providers (i.e., computer and IT consultants, programmers, web hosting, web design, etc.) Robotics companies Computer-controlled machinery companies Electronic equipment companies (manufacturers/wholesalers) Software companies (prepackaged, custom-made, VAR, etc.) Component manufacturers/wholesalers Telecommunications/communications companies Medical technology hardware (class 1 medical device and incidental class 2 medical devices) and software Resources Sell sheet Travelerscanada.ca/technology Tech Cloud IDT911

58 IndustryEdge for Technology coverages Featured coverages (main wording) Commercial property and business income Property Business interruption Equipment breakdown Commercial general liability Cyber+ coverages including errors and omissions liability, network and information security liability, communications and media liability, and expense reimbursement Technology Small Business (TSB) Package - A complete solution for small business: Property including portable electronic equipment business interruption Commercial general liability Technology errors and omissions Copyright and trademark infringement liability protection Network and information security liability Additional coverages: Directors and officers liability Employment practices liability Fiduciary liability Miscellaneous professional liability Fidelity/Crime Kidnap and ransom Identity fraud expense reimbursement

59 IndustryEdge for Wholesalers, Distributors and Importers in appetite GENERALLY EXCLUDED + Motor vehicle supplies and new parts (noncritical) Furniture Home furnishings Commercial equipment Electrical apparatus and equipment, wiring supplies and construction materials Electronic parts and equipment Hardware Plumbing and hydronic heating supplies Industrial machinery and equipment Industrial supplies Service establishment equipment Groceries and related products Wine and distilled beverages Flowers, nursery stock and florists supplies Resources Sell Sheet Manufacturer s Toolbox Supply Chain Pressure Test

60 IndustryEdge for Wholesalers, Distributors and Importers coverages Feature coverages: Commercial property Selling price valuation on personal property that is sold but not delivered Inclusion of contents, stock, equipment, tenant improvements and betterments, and electronic data processing equipment in the definition of business personal property Interruption of utility services Newly constructed or acquired property Non-owned detached trailers Electronic vandalism Business income Business income from dependent property Contract penalties Transit business income Commercial general liability Limited worldwide coverage with suits brought back to North America Blanket waiver of subrogation Optional coverages: Peak season increased limit of insurance Spoilage Public relations crisis management services expense Crisis management expense Equipment breakdown coverage, including production machinery Transportation coverage, including loading or unloading and refrigeration breakdown Ocean cargo and other ocean marine lines

61 Entertainment in appetite Actors and entertainers Bands and musicians Booking agents and managers Camera and audio equipment operators Concerts and concert promoters Conventions Event managers Festivals and fairs Film equipment rental companies Film libraries and stock footage Live theatrical stage productions Motion picture casting Motion picture distribution Motion picture film processing Motion picture laboratory services Motion picture personnel services Motion picture productions Motion picture reproduction and editing services Motion picture services and general ancillary services Motion picture sound effects and music Production Music recording producers Post-production companies Promoters of shows and exhibitions Recording and mobile studios Sound and lighting companies Talent agents Television production companies and services Theaters Theatrical agents and managers Theatrical companies, bands, actors and entertainers Theatrical services Ticket agencies Trade show arrangement services

62 Entertainment coverages Motion Picture Production Package and Special Producers Production Package Cast protection Negative film and videotape protection Faulty stock, camera and processing protection Props, sets and wardrobe protection Miscellaneous equipment protection Third party property damage liability Extra expense protection Business personal property protection Auto physical damage protection Crime protection Animal mortality protection Producers or distributors liability protection: Errors and omissions Additional coverages: Property and business interruption Commercial general liability Umbrella

63 Oil & Gas in appetite We provide products and services for classes of business directly and indirectly tied to oil or gas exploration and production, including but not limited to: Drilling contractors Well servicing contractors including but not limited to: Coil tubing and wireline Vacuum and pressure trucks Cleaning, swabbing and fishing Production testing Well site preparation Equipment rental firms Exploration and production companies (operators and non-operators) Geologists, seismic and logging work Manufacturing and wholesale firms Facility construction including pipeline Oilfield electrician

64 Oil & Gas coverages EnergyPro general liability and umbrella coverage Specialized casualty coverage through our EnergyPro product, including: Integrated occurrence-based coverage, including sudden and accidental pollution claims or suits First party voluntary cleanup costs (general liability only) Cleanup costs for insureds premises, lease sites and worksites Can also be tailored to include blanket additional insured and blanket waiver of subrogation endorsements Inland marine Oil lease property and equipment including crude petroleum in tanks Rigs and equipment Optional coverages: Cab and chassis 5 year replacement on equipment Pollutant cleanup Ice and muskeg Equipment rented to others Business income Property Auto Crime and fidelity Equipment breakdown

65 Solutions for major corporations National Accounts markets liability insurance, risk management services and large property capacity to major corporations. It specializes in loss-responsive solutions that are customized to meet clients risk management challenges. National Accounts provides primary casualty programs for large businesses which generally includes retained losses, insurance above the retention and service fees. Account structures can include large deductible and retrospectively rated plans, self-insured retention plans, customized retention plans, bundled insurance, unbundled individual risk transfer, captives and stand-alone claim services. Insurance products include general/product liability and auto liability. This includes single parent, group and association captive programs. Marine Passenger Transportation National Programs & MGAs Public Sector National Property

66 Marine in appetite Commercial vessels, including ferries, tugs, barges, supply vessels, tour boats and other workboats operating predominantly in Canadian inland and coastal waters Fishing vessels (commercial fleets only) Manufacturers, wholesalers, retailers, importers, exporters and any other commercial entities engaged in shipping goods internationally Ship repairers, boat builders, and other commercial entities engaged in manufacturing or repairing vessels Stevedores, wharfingers, terminal operators and other commercial entities with shoreside facilities, or engaged in the business of loading or offloading vessels and storing cargo Marine contractors engaged in the business of shoreside or waterborne construction Commercial entities engaged in chartering vessels Marinas and boat dealers High value yachts (over $500,000)

67 Marine featured coverages Ocean cargo insurance for containerized shipments, bulk shipments and refrigerated shipments. The policy can be extended to include overland transit exposures, warehouse/storage exposures, salesman samples and exhibition coverage Hull and Machinery (H&M) Insurance on all commercial vessels Protection and Indemnity (P&I) in conjunction with H&M risks Luxury yacht coverage both H&M and P&I Full suite of marine liability policies as follows: Wharfingers Stevedores/Terminal operators Ship repairers Charterers Marina operators/boat dealers Marine general liability Excess marine liability and bumbershoot capabilities Property and casualty capabilities associated with all of the above through our specialized property and casualty team Shipwright policy for small marine tradespersons and marine artisans

68 Passenger Transportation In appetite: Motor coach and school bus operators Bus tours and charter operations Municipal transit operations Limousine transit operators Employee shuttle operations Wheelchair accessible transportation Feature coverages: Automobile fleet liability Garage operations liability Commercial general liability Property and inland marine Umbrella/Excess liability Crime and fidelity

69 National Programs & MGAs Key criteria: Minimum target premium of $500,000 SIR Targeting national programs with either specialty wordings, claim handling agreements, or delegated underwriting authority, within Travelers appetite Examples of existing National Programs: New auto dealership Electrical Distribution Reinsurance Building supply operations Short-term car rental program Hole-in-One

70 Public Sector OTHER REQUIREMENTS + In appetite: Canadian municipalities Provincial and territorial governments Post-secondary academic institutions Schools and school boards Hospital properties Public passenger transportation Property exposures for public utilities including co-generation plants Feature coverages: General liability Property Public entity management liability (errors and omissions) Automobile Boiler and machinery Crime Professional liability for educational institutions

71 National Property In appetite: Total insured values greater than $250M per location or account Complex structure such as captives, aggregate deductibles Occupancies within the natural resource sector Large municipal and real estate schedules Large infrastructure schedule Power generation and distribution Characteristics of large and complex accounts: Manuscript wording Subscription or combination of quota share/layer structure Requires an Engineering/Risk Control partnership Tailored claim handling solutions International operations Relationship managed approach