PRODUCER S POINTERS FEBRUARY, We are your Transportation Specialists

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1 5615 W. 95 th ST. P.O. BOX 5000 OAK LAWN, IL Specialists in the Placement of Property and Casualty Insurance Trucking and Non-Standard Automobile Other Specialty Classes Both Personal and Commercial Premium Financing by Suburban E-Z Financing FEBRUARY, 2017 PRODUCER S POINTERS Phone Specialty Main Fax Auto Binder Fax MANUFACURING, WAREHOUSING AND DISTRIBUTOR ACCOUNTS Our A rated specialty carrier has expanded its appetite for small to medium hazard accounts. Features include: Increased limits options Deductible options Products/Completed Operations available Low minimum premiums Package policies available Quick policy issuance Premium financing Call us at , Option 3, for more information or for a quick, competitive quote. We are your Transportation Specialists Long-haul to local For-hire trucking Intermodal Fleet & non-fleet Contractors Public auto School buses Taxis/Limousines Tow trucks Truck driving schools Distressed accounts New ventures All light Commercial Auto Telephone quotes are available for light commercial auto business. Call us at , Option 3. COMMERCIAL PROPERTY We re here to help you place this business. We offer: Quick competitive quotes A rated carriers Immediate binding Monoline or package Broad coverage options Property Coverage Enhancements available Prompt policy issuance Premium financing Our Commercial Department is available from 8:00am to 6:00pm Monday through Friday to take your calls. Give us a call at , Option 3. NEW CYBER COVERAGE Our A+ rated specialty carrier has introduced Network Security Coverage that can be written in conjunction with General Liability coverage. Features include: Coverage for third-party liability as well as first-party direct loss Coverage responds to damages and expenses due to internal or external security breaches from malicious or accidental acts Access to security breach risk management tools, news and information Call our Commercial Department at , Option 3 for more information. HIGH-VALUE DWELLINGS Our A rated specialty carrier is very competitive on hard-to-place, high value exposures: TIV over $1 million Prior losses Cancelled or non-renewed risks Owner or tenant occupied Vacant Renovations Seasonal occupancies Vacation rentals Secondary homes Call us at , Option 2, for a quick quote and immediate binding. AUTO RIDESHARE COVERAGE We have carriers that will provide Personal Auto coverage for drivers using their personal vehicle to transport passengers for compensation. Note that the Rideshare Company s commercial coverage applies while the auto is being used for Rideshare purposes. This exposure must be disclosed on the application for coverage to apply. Founders Insurance Company has made the following changes effective 1/16/2017 for new business and 4/1/2017 for renewals: Increased transfer discount Improved rating for International / Foreign, No driver s license and unverifiable drivers licenses.

2 Network Security Coverage Coverage for security breaches arising from the unexpected, and unauthorized interference with the insured s technological systems and/or the data stored on the systems. Coverage provided Third-party liability insuring agreements: Security breach Privacy notice regulatory action First-party direct loss insuring agreements: Forensic investigation costs Crisis management costs Notification and credit monitoring costs Limits/retentions/costs Third-party liability limits of $250,000 per security breach/regulatory action claim and in the aggregate Claim expense applies toward the liability limits First-party direct loss limits for each security breach and subject to a $250,000 direct loss aggregate limit: $50,000 for forensic investigation costs $50,000 for notification/credit monitoring costs $5,000 for crisis management costs Rentention of $2,500 for all claims resulting from a single security breach or regulatory action and $2,500 for all direct loss expense incurred due to a single security breach Coverage form aggregate of $250,000 Annual premiums are $250 to $500 (Coverage written on a surplus lines basis. Insured is responsible for the payment of applicable surplus lines tax.) Key coverage terms and conditions Claims made form. Prior acts coverage provided while continuously insured by our carrier. Coverage responds to financial damages, claim expense and reimbursable expenses the insured incurs due to a security breach. Coverage applies to a security breach resulting from an intentional (malicious) or unintentional (accidental) act. Coverage applies to a security breach launched internally or externally. Coverage triggered by the date the security breach occurred and the date the security breach is reported to the insurer. Upon meeting all reporting requirements, coverage in effect at the time the security breach occurred will respond to all future, insurable claims arising out of the breach. Security breach can occur anywhere in the world. Claims resulting in suits for damages must be brought in the U.S., its territories and possessions, or Canada. Coverage extends to claims brought by BR-78s e (9-16)

3 employees or other insureds, arising out of unauthorized access to their personal data, due to a security breach. Excludes bodily injury and property damage. Data is not tangible property. Data defined as any records, documentation, intellectual property, or information, including personally identifiable information. Coverage applies to all data the insured collects and retains, whether maintained on their own computer systems or outsourced to others for storage. Definition of computer systems includes mobile devices (cell phones, tablets, etc.). Employee-owned mobile devices are not included. Independent breach coach assigned to work directly with insureds throughout the breach management process and coordinate outside vendors providing post-breach functions. Insureds have unlimited access to eriskhub, providing security breach risk management tools, news, and information. Offered by our specialty carrier with an A. M. Best rating of A+ (Superior), FSC XV Contact us for fast, competitive quotes and first-rate service. Coverage form status and eligibility Coverage must be packaged with GL (either monoline CGL, or as part of a package). Network Security Coverage is not available on a stand-alone basis. Claims and risk management Claims managed by dedicated Network Security Claim Counsel team. BR-78s e (9-16)

4 Affluent buyers want } diverse options and the best solution for their unique coverage needs. } Custom homes deserve custom policies. High -Value Dwelling Fire Program Everything in a high-value home is personalized to fit the owner s needs. So why not the fire coverage too? With our High-Value Dwelling Fire Program, you can build a custom policy for your insured at competitive rates. PF-11e (4-15)

5 High-Value Dwelling Fire Program We specialize in hard-to-place, high-value exposures outside the traditional market: TIV over $1 million Prior losses Canceled or nonrenewed risks Owner or tenant occupied Condominiums Builders risk/course of construction Renovations Seasonal occupancies Vacation rentals Unprotected risks Vacant Secondary homes LLC or trust-owned properties Select from a varied menu of coverage options, including: Special Form Replacement Cost Burglary Additional Living Expense Additional Residence Rented to Others Stand Alone Other Structures Personal or Premises Liability Medical Payments Monoline coverage 3-, 6-, 9-, or 12-month terms We offer flexibility and competitive pricing. Contact us today and see what we can do for you. Don t let this great opportunity go up in smoke.