Functions of MARM. MARM Mission Statement. A General Agency Offering Full Commissions. Mid-America Risk Managers, Inc. ---MARM---

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1 MARM Mission Statement Your Key to Marketable Agricultural Packages Provide profitable market for rural insurance programs through independent agents. Utilizing selective underwriting, risk based rating and ongoing risk inspection to create a premier agribusiness policy provider in the industry. Servicing clients with personal attention driven by unique computer and marketing support. Responding to policyholder losses with accurate, timely, and informative settlements. Functions of MARM Appoint Agents Provide Agri Markets Agency Training Policy Underwriting Market Expansion Pay Commissions Web Based Services Process Claims A General Agency Offering Full Commissions 15% FO/RO, Hobby Farms 15% Rural Auto, Farm Trucks & Semis 10% Excess 10% Mono-line Inland Marine / Irrigation Equipment All Paid on New & Renewal Mid-America Risk Managers, Inc. ---MARM--- Farm/Ranchowners Agri-Auto Risks Agri Umbrella Hobby Farms Stand Alone Irrigation Coverage Confinement Risks * Equine & Training * Dairies * Local Specialized Underwriting *Requires 45 days advance to Quote

2 Stand Alone Inland Marine Excellent Coverage - Special Perils, Flood & Earthquake Including Mechanical & Electrical Failure Any Age Full Replacement Cost (Must be insured to 90% of replacement value) Total or Partial Loss Deductibles $1000 up to Occurrence Deductible (Not per item) No Pivot Age Limit or Surcharge Collision w/other systems Damage on the Initial Circle Optional Ancillary Coverage Irrigation Policy Hidden Features *$25,000 Legal Liability for Written CCC $25,000 Additional Removal Expense Fire Dept. Charge Premises Pollution Clean Up Newly Acquired Lesser of 25% of Policy Limit or $50,000 *No Other Coverage Known in the Industry Not in Handout Please Add to Notes

3 FO/RO, Rural Auto, & Excess Flexible Coverage --Basic, Broad or Special Flexible Occurrence Deductibles Flexible Pricing -- 4 Rate Tiers plus IRPM Quick PDF Policy Turnaround Blanket Inventories on Web RC and M&E on Irrigation (NE Only) Hobby Farms 10 Acres $75,000 Dwelling Not Qualified for HO Principal Dwelling Dwelling Coverage* Coverage A - Residence Perils: Basic Broad Special PROPERTY * Principal Dwelling may be in town, listed as a separate location Scheduled Farm Personal Property Scheduled Farm Personal Property Perils Basic, Broad or Special Newly Acquired Machinery 60 days, $100,000 Rented or Borrowed Equipment - $50,000 Primary Livestock Per Head Limit Refer over $5,000 Must Insure Combines and Irrigation Equipment in this manner ONLY

4 Unscheduled Unscheduled (Blanket) (Blanket) Farm Farm Personal Personal Property Property Barns, Buildings, and Structures Perils: Basic, Broad or Special Perils available: Basic Broad Special Same as Scheduled but no combines or irrigation equipment. Must be within 80% of total Farm Personal Property not excluded Losses settled on ACV, replacement cost is available by endorsement and buildings must be insured to 80% of replacement cost. Agri Plus II -- $200 Endorsement Incidental Coverages FARM Premises Pollutant Clean Up & Removal - limit Property in Care of Common Carrier - Perils of Cov. E or F, $1000 limit Cab Glass - Perils of Cov. E or F, $0 deductible Farm Records - $2000, $0 ded. includes data Buildings Under Construction - $250,000 Provides Property Coverage - Special Perils (except Hay) w/$250 Deductible: Hay, Straw and Fodder Computer Equip. & Software Misc. Equipment (not tractors) Office Equipment & Furnishings $250,000 coverage for newly acquired machinery Transportation of covered FPP $50,000 coverage per stack limit on insured hay Rental Reimbursement Expense Cost to repair Agricultural Machinery, 5 years and newer, without depreciation deduction MARM Rural Auto Program Application Requirements ACORD Forms 125,137 and 127 Proof of Prior Coverage Loss History Expiring Premium Eligible Drivers Not more than 3 Violations (except youthful) No DUI, DWI or other major Violations Further guidelines apply Average 1 per driver on Account Requires FO/RO All Vehicles with Rural Garaging Good Rates No Commercial Exposures Discounts & Credits: Preferred Risks Fleet and Multi-car Seasonal Lay-up (Trucks including Semis for Insured s own use) Minimum Premium: $750 but $500 if combined premium is less than Limits to,000 or higher Travelers requires Auto to be written with Travelers Auto Does not apply to Employer s Liability or UM/UIM Convenient Account Billing

5 Services to personnel Exclusive Web Rating for Irrigation & FO/RO Risks Store Quotes & Convert to Applications Paperless Electronic Applications Receive PDF Policies & Changes Download Manuals Download Forms On-Line Policy Change Requests Send Digital Pictures Before you Quote -- Obtain hard copy loss runs Run MVR on all drivers Marketing Opportunities Appointing New Agents Aggressive Pricing Guidelines Special Agri Risks (800) 935-MARM