Highlights. Product Options USLI.COM Preferred Package Features: Directors and Officers/Employment Practices Liability Features:

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1 Bsiness Association Gard From a chamber of commerce to a professional or trade association, USLI is the carrier of choice for all yor bsiness association risks. Maintaining proper insrance is imperative to protecting the mission of each organization. With a variety of tailored coverages that can be prchased together or separately, or Bsiness Association Gard policy offers the peace of mind these organizations deserve. Backed with an A++ A.M. Best rating, sperior cstomer service and competitive pricing, USLI offers a comprehensive policy to meet yor needs. Highlights : For Chambers of Commerce, Professional & Trade Associations, and Bsiness Membership Grops with p to 2,500 active members Directors and Officers: Available for organizations with revenes p to $3,000,000 : Ability to offer blanket special event coverage with host liqor for events with p to 2,500 attendees Prodct Options Featres: Minimm premim of $395 for general liability and property Abse and molestation coverage available p to $1,000,000 Edcational enhancement endorsement is available to cover bsiness seminars and instrctional workshops No general liability dedctible General liability coverage inclded for volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Featres: Featres: Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded Data & Secrity+ endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of Optional fidciary coverage Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis. Commercial liqor coverage is available on schedled events in most states This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement Bsiness Association Gard Overview 3/17

2 Bsiness and Trade Associations Bsiness Association Gard Bsiness and trade associations are local bsiness networks designed to promote their common interests and bild awareness throgh varios indstry activities and events. These associations may organize conferences, host charitable events and offer classes or edcational materials. Or Bsiness Association Gard prodct is specifically designed to meet the needs for bsiness and trade associations by offering general liability, directors and officers, employment practices liability and blanket special event coverage. Minimm premim of $500 for general liability and property No general liability dedctible General liability coverage incldes volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis Commercial liqor coverage is available on schedled event Data and Secrity endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of Optional fidciary coverage Bsiness Resorce Center Provides centralized access to bsiness soltion vendors for all policyholders. Soltions inclde: Hman resorces Pre-employment and tenant screening Identity theft protection Marketing resorces Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement BsinessAssociationGard -Bsiness and Trade Associations-NR 11/16

3 Chambers of Commerce Bsiness Association Gard Chambers of commerce are bsiness networks formed to promote the local economy and protect the interests of the bsiness commnity in the area. These chambers help promote commnity development by improving economic, civic and cltral wellbeing of the area throgh varios activities and events. Or Bsiness Association Gard prodct is specifically designed to meet the needs for chambers of commerce by offering general liability, directors and officers, employment practices liability and blanket special event coverage. Minimm premim of $500 for general liability and property No general liability dedctible General liability coverage incldes volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis Commercial liqor coverage is available on schedled event Data and Secrity endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of Optional fidciary coverage Bsiness Resorce Center Provides centralized access to bsiness soltion vendors for all policyholders. Soltions inclde: Hman resorces Pre-employment and tenant screening Identity theft protection Marketing resorces Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement BsinessAssociationGard -Chambers of Commerce-NR 11/16

4 Charity Protector From booster clbs and fondations to parent/teacher associations and membership grops, USLI is the carrier of choice for all yor fndraising and charitable organizations. Maintaining proper insrance is imperative to protecting the mission of each organization. With a variety of tailored coverages that can be prchased together or separately, or Charity Protector policy offers the peace of mind these organizations deserve. Backed with an A++ A.M. Best rating, sperior cstomer service and competitive pricing, USLI offers a comprehensive policy to meet yor needs. Highlights : Available for charities sch as Booster Clbs, Parent/Teacher Associations, Fondations, Arts and Cltre Spport and many more : Ability to offer blanket special event coverage with host liqor for events with p to 2,500 attendees Directors and Officers: Available for organizations with revenes p to $3,000,000 Prodct Options Featres: Minimm premim of $395 for general liability and property Abse and molestation coverage available p to $1,000,000 Edcational enhancement endorsement is available to cover bsiness seminars and instrctional workshops No general liability dedctible General liability coverage inclded for volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Featres: Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis. Commercial liqor coverage is available on schedled events in most states Featres: Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded Data & Secrity+ endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of $100,000 for defense costs and loss available in most states Optional fidciary coverage This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement Charity Protector Overview 3/17

5 Charitable Organizations/Fondations Charity Protector Charitable organizations and fondations are philanthropic grops aimed at promoting awareness to a specific case or focs. These organizations typically host mltiple events throghot the year in order to raise the fnds necessary to spport their case and meet their goals. Or Charity Protector prodct is specifically designed to meet the needs for charitable organizations and fondations by offering general liability, directors and officers, employment practices liability and blanket special event coverage. Minimm premim of $500 for general liability and property No general liability dedctible General liability coverage incldes volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis Commercial liqor coverage is available on schedled event Data and Secrity endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of Optional fidciary coverage Bsiness Resorce Center Provides centralized access to bsiness soltion vendors for all policyholders. Soltions inclde: Hman resorces Pre-employment and tenant screening Identity theft protection Marketing resorces Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement CharatyProtector-Fondations-NR 11/16

6 Booster Clbs and Parent Teacher Organizations Charity Protector Booster clbs and parent teacher organizations are formed to raise fnds and organize events for the school, clbs and sports teams. These organizations typically host mltiple events throghot the year in order to raise the fnds necessary to spport their grop s activities. Or Charity Protector prodct is specifically designed to meet the needs for booster clbs and parent teacher organizations by offering general liability, directors and officers, employment practices liability and blanket special event coverage. Minimm premim of $500 for general liability and property No general liability dedctible General liability coverage incldes volnteers Hired and non-owned ato coverage available in most states Bsiness personal property coverage of $5,000 inclded Cstomize yor policy by adding employee dishonesty, money and secrities and other coverage options Incldes bsiness meetings and seminars Blanket special event endorsement is available for events p to 2,500 attendees with host liqor inclded Can inclde three events with p to 250 attendees for no additional premim Ability to consider events with p to 5,000 attendees on a schedled basis Commercial liqor coverage is available on schedled event Data and Secrity endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence Fair Labor Standards Act (FLSA/wage and hor) sblimit of Optional fidciary coverage Bsiness Resorce Center Provides centralized access to bsiness soltion vendors for all policyholders. Soltions inclde: Hman resorces Pre-employment and tenant screening Identity theft protection Marketing resorces Fll prior acts coverage Volnteers are inclded within the definition of employee Lifetime occrrence reporting provision Unlimited reporting Third-party discrimination and harassment coverage is inclded This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement CharatyProtector-Booster Clbs-NR 11/16

7 Charity Protector and Bsiness Association Gard Claim Examples General : A chamber of commerce was holding their monthly membership meeting at a local hall. One of the attendees tripped on an extension cord the chamber was sing for a presentation and broke his leg. He then filed a sit against the chamber to cover his medical expenses for his slip and fall. Medical bills exceeded $10,000. A parent teacher organization was helping set p for gradation night. While attempting to hang p a banner, a volnteer fell from ladder sstaining a broken wrist. Sit was filed against the organization for medical expenses of $5,000. Nonprofit Directors and Officers: The trstees of a trade association decided to expand their activities into areas that were not explicitly envisioned by the fonders. Their state s attorney general broght an action against them alleging misse of fnds and property for operating otside their charter, even thogh no third party had raised a complaint. A local chamber of commerce pblished a qarterly newsletter that inclded a torism section promoting places of interest, attractions, restarants, etc. A new restarant approached the chamber with a reqest to advertise in the pcoming isse. The chamber agreed and accepted a minimal advertising fee from the restarant. It was discovered on the next isse that the exective director never accommodated the restarant s reqest and kept the money. The restarant then sed the chamber for breach of fidciary dty, breach of contract and interference with economic interests. A donor made a large contribtion to a fondation to aid stdents in need of tition. The board instead voted to expand their headqarters and commit a portion of the donation to the bilding fnd. The donor filed sit, alleging misappropriation of fnds. Damages inclded retrn of the fll contribtion pls interest. As some of the money was already spent, the fondation was financially nable to retrn the entire donation. Employment Practices : A chamber of commerce advertised an open position for a secretary. The organization received seven applications. Only one applicant was a male, who was 57. He was not interviewed. He alleged he was not interviewed becase of his age and filed sit against the organization for age discrimination for a total of $45,000. (General ): A local chamber of commerce had a one-day concert to raise fnds for one of its members. A tent at the fndraiser was not anchored properly and blew over and damaged mltiple parked cars. The car owner sed for repairs. Damages exceeded $5,000. A membership organization was having a fndraising event to raise money for breast cancer. An attendee was strck by a motorcycle where the event sponsor was directing traffic. She sffered torn ligaments and tendons in her ankle along with back injries. Medical bills and loss of wage claims exceeded $68,000. A booster clb was holding its annal charity event and an attendee tripped over speakers that were set p too close to the sidewalk. He sffered a fractred arm reqiring srgery, which totaled in $23,500 in medical bills. A fondation was hosting a charity golf tornament and dinner. At the dinner, one of the attendees tripped over a sprinkler head while walking to the clbhose. He sffered a fractred knee cap, and needed reconstrctive srgery. Medical bills totaled $10,000. (Host Liqor ): A trade association was hosting its annal holiday party. An attendee that was drinking heavily drove home, lost control of her vehicle and hit another vehicle head on. The other driver broght sit against the host of the party for negligence in serving the intoxicated attendee. The driver s injries totaled $300,000. (Commercial Liqor ): A minor attendee was served alcohol at a festival sponsored by a membership organization. After leaving the festival, the nderage attendee got into the car, lost control of his vehicle and strck a telephone pole, reslting in severe facial lacerations. The attendee sed the event sponsor and the beer vendor for illegal service to a minor to cover the medical bills totaling $150,000. An intoxicated individal attending a charity event was strck and killed while crossing the street on foot. An aggressive investigation determined the individal, with a.26% blood alcohol level, was refsed service by the insred. The reslting lawsit was dropped bt $15,000 was paid ot in attorney s fees and cort costs. This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement Charity Protector and Bsiness Association Gard-CE 10/16