CONTRACTORS PROTECTOR PROGRAM

CONTRACTORS PROTECTOR PROGRAM ITEM TABLE OF CONTENTS NSCO PAGE Applications... 1 Billing Procedures... 2 Eligibility and Underwriting Requirements... 1 Features and Coverages... 3 Inland Marine Coverages... 3 Liability Coverages... 3 Optional Coverages... 3 Property Coverages... 3 Individual Risk Premium Modification (IRPM)... 2 Inland Marine Coverages and Rates... 8 Contractors, Service and Appliance Dealers Floater... 8 Coverages Categories, Rates and Deductibles... 8 Coverages Provided... 8 Inland Marine Rating Procedure... 8 Underwriting Requirements... 8 Introduction... 1 Liability Coverages and Rates... 5-7 Definition of Employee... 5 Eligibility List and Classification Table... 6-7 Liability Rates... 6-7 Liability Rating Procedure... 5 Number of Full-Time Employees Factor... 5 Line Limits... 2 Mandatory Coverages... 2 Minimum Premium... 2 Optional Coverages and Rates... 9 Policy Term... 2 Property Coverages and Rates... 4 Building and Personal Property Rate Modifications (Ded. Options, Equipment Breakdown Credit). 4 Insurance to Value... 4 Property Rates - Building and Contents Coverage... 4 Property Rating Procedure... 4 Rates and Quotes... 2 Underwriting Guidelines... 1 Iowa New Business 03-01-19 North Star Mutual Ins. Co. Renewals 03-01-19

INTRODUCTION CONTRACTORS PROTECTOR PROGRAM The Contractors Protector Program is specially designed to handle the insurance needs of small to medium sized contractors and certain service businesses. It combines the flexibility and broadness of a Multiline Policy with the rating simplicity of a Businessowners Policy. The program features very broad property and liability coverages as well as competitive rates. Inland Marine, Crime, and other optional coverages can be added to meet the various needs of each individual risk. You will find that this program provides complete coverage for eligible businesses yet at the same time is very easy to rate and sell. UNDERWRITING GUIDELINES Because of the broad coverages and competitive premiums this policy must be limited to risks that are superior in their class. In addition, they should be well managed and the applicant should be of proven moral and financial standing. Insurable risks that do not meet the eligibility requirements of the Contractors Protector Program may be considered under our Multiline Program with a competitive premium. ELIGIBILITY AND UNDERWRITING REQUIREMENTS 1. Only firms with ten or fewer employees are eligible. 2. Gross annual receipts may not exceed $2,000,000. 3. Both property and liability coverage must be written. Inland Marine would qualify as property coverage. 4. Only businesses listed under the eligibility classification section may be insured under this policy. 5. Applicants must have at least five years experience with a solid financial history and excellent prospects for the future. 6. Buildings with woodburning heat are not acceptable. 7. Buildings should be less than 50 years old, or if older, should be completely remodeled and in good condition. Buildings also may not exceed 10,000 square feet. 8. Businesses that lease or rent equipment to others are not eligible. 9. Contractors which have more than 30% of their receipts for subcontractors are not eligible. 10. Businesses involved in the following are ineligible: a. Roofing, other than incidental. b. Chimney cleaning. c. Wood stove installation, servicing, or repair. d. Snow removal, unless less than 10% of gross receipts. e. Solar heating sales or installation. f. Insulation work other than incidental to primary jobs. g. Removal of asbestos. h. Logging. i. Tree trimming. j. Excavation unless incidental to primary activity. k. Alarm installation or repair. l. Chemical spraying. 11. Risks involving substantial woodworking (including cabinet shops), manufacturing, or processing are not eligible for coverage. 12. General Contractors are not eligible. APPLICATIONS Complete a North Star Contractors Protector application for each risk. An Inland Marine application should also be completed when that coverage is desired. A photo is also very helpful for purposes of underwriting, rating, and determining credits allowable. Iowa New Business 03-01-14 North Star Mutual Ins. Co. NSCO - 1 Renewals 03-01-14

BILLING PROCEDURES See the Billing Information section of this Agent s Manual. INDIVIDUAL RISK PREMIUM MODIFICATION (IRPM) Premium credits or debits may be applied at the discretion of the Home Office. Please call our Home Office Commercial Underwriters to determine credits or debits. After the IRPM Plan has been applied, the annual premium cannot be less than the minimum premium. LINE LIMITS Refer to COMMERCIAL PROPERTY FIRE LINE GUIDE AND PROHIBITED LIST of the Commercial Lines General Information Section of this manual for line limits as they apply to different types of Contractors. MANDATORY COVERAGES The Contractors Protector is a Multiline policy and is made up of the same forms that are used under the Commercial Property and Commercial General Liability Programs. Because it is a package policy, both property and liability coverage must be written. However, Inland Marine coverage will satisfy the property coverage requirement. MINIMUM PREMIUM The minimum premium under our Contractors Protector Program for all coverages, except Employment Practices Liability and Cyber Liability is $500.00. The minimum premium for Employment Practices Liability coverage is $50. The minimum premium for Cyber Liability coverage is $20. POLICY TERM Policies are written on a 1 year basis. The policy will be automatically renewed each year with an updated declarations page. The policy will be subject to the premiums, rules and forms in effect at the time of renewal. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only an updated declarations and forms that are new or revised. Policyholders may receive all policy forms upon request. RATES AND QUOTES This program has been designed so risks can easily be quoted by the agent. Please refer to the Property, Inland Marine, Liability and Optional Coverages and Rate Pages for more information on rating a risk. Iowa New Business 03-01-16 North Star Mutual Ins. Co. NSCO - 2 Renewals 03-01-16

FEATURES AND COVERAGES PROPERTY COVERAGES Property coverages may be written on a basic, broad, or special form. For more information on the perils covered by these forms, please refer to the Property Coverages Section in the Commercial Property section of your Agents Manual. A $500 per occurrence deductible is standard. Higher deductibles are available. The policy also includes the following property coverages when form CP 00 10 Building and Personal Property Coverage Form is written: $ 1,000 Fire Department Service Charge Debris Removal for up to 25% of covered loss $10,000 Pollutant Clean Up and Removal $10,000 Increased Cost of Construction $ 2,500 Electronic Data $ 2,500 Valuable Papers and Records - Other Than Electronic Data $ 1,000 Outdoor Property $ 2,500 on Outdoor Signs $ 5,000 Non-Owned Detached Trailers $10,000 on Personal Property Off Premises $ 2,500 on Personal Effects and Property of Others New or Newly Acquired Buildings, up to $250,000 for 30 days Personal Property at newly acquired locations, up to $100,000 for 30 days Automatic annual increase on buildings included - percentage increase shown on declarations NOTE: The above coverages do not apply if only Inland Marine coverage is written. These coverages only apply when personal property is covered using form CP 00 10. LIABILITY COVERAGES The liability coverage is written on an occurrence basis and provides very broad coverage. Optional property damage deductibles per claim are available. Each Occurrence Limits of $100,000, $300,000, $500,000 and $1,000,000 are available. The General Aggregate and the Products and Completed Operations Aggregate are fixed at twice the Each Occurrence Limit. The policy also includes the following liability coverages: Premises Operations Liability Medical Payments ($5,000) Products & Completed Operations Contractual Liability Personal & Advertising Injury Fire Damage Legal Liability ($100,000) Broad Form Property Damage Extended Bodily Injury Additional Persons Insured Limited Worldwide Liability Host Liquor Liability Incidental Medical Malpractice Non-Owned Watercraft Automatic Coverage for Newly Acquired Organizations INLAND MARINE COVERAGES Most contractors need some type of Inland Marine coverage. Several types of Inland Marine coverage are available. If Inland Marine coverage will be the policy s only property coverage, then North Star requires at least $1,000 of tools to qualify for the Contractors Protector Program. This $1,000 requirement does not apply if Commercial Property coverage (CP 00 10) is written. Please refer to the Inland Marine Coverages and Rate pages of your Agents Manual for more information regarding availability and rating of Inland Marine coverages. OPTIONAL COVERAGES The Contractors Protector Program offers several optional property and liability coverages which can be added to tailor a policy for a specific business. In addition Inland Marine, Time Element, and Crime coverages are all available. Please refer to the Optional Coverages and Rates page at the end of this manual section for the cost of these endorsements. Please contact the Home Office for rates on optional coverages desired but not shown on the Optional Coverages and Rates page. Iowa New Business 01-01-12 North Star Mutual Ins. Co. NSCO - 3 Renewals 01-01-12

PROPERTY COVERAGES AND RATES INSURANCE TO VALUE Property coverage may be written on either a replacement cost or actual cash value basis. Coverage must be written to comply with at least an 80% coinsurance provision. To determine insurable value for buildings, use a reliable cost guide, a professional appraisal or actual construction figures. Personal Property values should be based on actual inventory figures. PROPERTY RATING PROCEDURE 1. Determine construction type for each building. 2. Determine protection class for each location. 3. Select basic form, broad form or special form coverage. 4. Select appropriate rate per $1,000 of coverage from the table below. 5. Multiply rate by the coverage amount to determine premium. PROPERTY RATES - BUILDING AND CONTENTS COVERAGE (Rates Per $1,000) $500 Deductible CONSTRUCTION TYPE PROT. CLASS BASIC FORM BROAD FORM SPECIAL FORM Building Contents Building Contents Building Contents FRAME 1-8 4.31 5.38 4.55 5.75 4.79 13.90 9-10 5.02 6.44 5.26 6.81 5.50 14.96 JOISTED 1-8 3.77 4.52 4.01 4.89 4.25 13.04 MASONRY 9-10 4.30 5.30 4.54 5.67 4.78 13.82 NON- 1-8 3.43 4.10 3.67 4.48 3.91 12.62 COMBUSTIBLE 9-10 3.85 4.75 4.09 5.12 4.33 13.27 Masonry Non-Combustible, Modified Fire Resistive or Fire Resistive - Refer to Company for Rates. BUILDING AND PERSONAL PROPERTY RATE MODIFICATIONS 1. Deductible Options ($500 Deductible is Standard) For deductibles other than $500, multiply Building and Personal Property rates by: $1,000 Ded. -.95 $2,500 Ded. -.92 $5,000 Ded. -.85 2. If coverage for Equipment Breakdown on Special Form policies is not desired, multiply Building and Personal Property rates by.96. Iowa New Business 01-01-12 North Star Mutual Ins. Co. NSCO - 4 Renewals 01-01-12

LIABILITY COVERAGES AND RATES LIABILITY RATING PROCEDURE 1. Determine number of full and part time employees from the definition below. 2. Determine appropriate classification from the Contractors Eligibility List and Classification Table. If more than one classification applies, use the highest rated class unless that operations receipts are less than 10% of the total receipts. 3. Select the appropriate premium(s) per employee for the Limits of Insurance desired. 4. Multiply the premium(s) for Full-Time employees in step 3. by the Number of Full-Time Employees Factor. 5. Add charge for work sublet to Sub-Contractors if applicable. DEFINITION OF EMPLOYEE FULL TIME Each owner, partner or active corporate officer is a full-time employee. Any person working 120 days or more in any one year is a full-time employee. Inactive corporate officers and clerical office help are not to be included. PART TIME Any person who works less than 120 days in any one year is a part-time employee. For premium computation purposes, compute the total number of days worked by all part-time employees, divide by 120 days, and round to the next higher whole number. NUMBER OF FULL-TIME EMPLOYEES FACTOR # of Full-Time Employees Rating Factor 1 1.00 2 1.00 3 1.00 4 0.94 5 0.90 6 0.88 7 0.86 8 0.84 9 0.83 10 or More 0.83 Iowa New Business 03-01-19 North Star Mutual Ins. Co. NSCO - 5 Renewals 03-01-19

LIABILITY RATES (Premium Per Employee) Limits of Insurance Occurrence/Aggregate Class Contractors Eligibility List $100,000 $300,000 $ 500,000 $1,000,000 Codes and Classification Table $200,000 $600,000 $1,000,000 $2,000,000 91111 Air Conditioning Installation, Full 473 566 615 681 Service or Repair Part 158 189 205 227 91155 Appliances and Access. Installation, Full 1086 1392 1556 1786 Servicing or Repair-Household Type Part 362 464 518 595 99650 Cable TV Installation Full 136 163 178 197 Part 45 54 59 66 91340 Carpentry-Residential Property Full 491 621 690 785 Not Exceeding 3 Stories Part 164 207 230 262 91342 Carpentry NOC Full 376 506 580 684 Part 125 169 193 228 91341 Carpentry Interior Full 346 450 506 584 Part 115 150 169 195 91405 Carpet, Rug, Furniture or Upholstery Full 436 528 576 637 Cleaning Part 145 176 192 212 96053 Carpet and Rug Installation Full 340 430 478 544 Part 113 143 159 181 91436 Ceiling or Wall Installation Metal Full 615 771 853 966 Part 205 257 284 322 91551 Communication Equipment Installation Full 133 164 181 203 Industrial or Commercial Part 44 55 60 68 91560 Concrete Construction Full 568 739 830 957 Part 189 246 276 319 91746 Doors, Windows or Millwork Installation Full 563 713 792 902 Metal Part 188 237 264 301 92215 Driveway, Parking Area/Sidewalk Full 305 367 400 442 Paving or Repaving Part 102 122 133 147 92338 Dry Wall or Wallboard Installation Full 237 284 309 342 Part 79 95 103 114 92478 Electrical Work Within Buildings Full 245 307 340 386 No Alarm Installation or Repair Part 82 102 113 129 94276 Fence Erection Full 511 639 706 798 Part 170 213 235 266 94569 Floor Covering Installation Full 278 346 382 431 Not Ceramic Tile or Stone Part 93 115 127 144 95124 Furniture or Fixtures Install in Office or Full 127 153 167 185 Stores, Portable Metal or Wood Part 42 51 56 62 13590 Glass Dealers and Glaziers Full 77 97 108 122 Part 26 32 36 41 95410 Grading of Land Full 476 590 651 732 Part 159 197 217 244 95647 Heating Equipment Installation, Full 527 631 686 760 Servicing or Repair (No LPG Work) Part 176 210 229 253 95648 Heating Equipment Installation, Full 460 576 637 721 Servicing or Repair-Gas, Oil and LPG Part 153 192 212 240 (No Dealers or Distributors) 96053 House Furnishing Installation Full 340 430 478 544 Part 113 143 159 181 96611 Interior Decorators Full 144 173 189 209 Part 48 58 63 70 Iowa New Business 03-01-19 North Star Mutual Ins. Co. NSCO - 6 Renewals 03-01-19

LIABILITY RATES (Continued) (Premium Per Employee) Limits of Insurance Occurrence/Aggregate Class Contractors Eligibility List $100,000 $300,000 $ 500,000 $1,000,000 Codes and Classification Table $200,000 $600,000 $1,000,000 $2,000,000 96816 Janitorial Services Full 241 292 319 352 Part 80 97 106 117 97047 Landscape Gardening No Tree Full 293 334 355 372 Trimming Part 98 111 118 124 * 97050 Lawn Care Services Full 129 151 160 170 Part 43 50 53 57 97447 Masonry Full 356 445 492 557 Part 119 148 164 186 98111 Office Machine Installation, Full 36 44 48 53 Servicing or Repair Part 12 15 16 18 * 98304 Painting Exterior Less Than 3 Stories Full 502 605 658 729 Part 167 202 219 243 * 98305 Painting Interior Full 277 334 363 402 Part 92 111 121 134 98344 Paperhanging Full 91 109 119 132 Part 30 36 40 44 98449 Plastering or Stucco Work Full 1015 1300 1451 1665 Part 338 433 484 555 98482 Plumbing Commercial Full 553 696 772 877 Part 184 232 257 292 98483 Plumbing Residential Full 1139 1363 1480 1639 Part 380 454 493 546 98636 Refrigeration Syst. or Equip. Dealers/Dist Full 369 465 517 587 & Install., Servicing or Repair Comm. Part 123 155 172 196 98806 Septic Tank Systems Installation Full 350 428 468 520 Servicing or Repair Comm. Part 117 142 156 173 98884 Sheet Metal Work Outside Full 230 277 301 333 Part 77 92 100 111 98967 Siding Installation Full 503 655 735 849 Part 168 218 245 283 * 99004 Sign Painting or Lettering on Buildings Full 448 538 586 649 or Structures Part 149 179 195 216 99303 Street Cleaning Full 448 538 586 649 Part 149 179 195 216 99746 Tile, Stone, Marble, Mosaic, Terrazzo Full 279 349 385 436 Work Interior Construction Part 93 116 128 145 99650 TV or Radio Rec. Set Installation, Full 136 163 178 197 Servicing or Repair Part 45 54 59 66 99948 Water Softening Equipment Full 1520 1939 2163 2476 Installation, Servicing or Repair Part 506 646 721 825 99975 Window Cleaning (Two Stories) Full 364 440 480 531 Part 121 147 160 177 Sub-Contractors 100,000 300,000 500,000 1,000,000 Rate per $1,000 cost of all work sublet to Sub-Contractors 2.00 2.75 3.25 3.75 To increase the Medical Payments limit to $10,000, multiply the above rates by a factor of 1.02 and round to the nearest whole dollar. * $250 P.D. Deductible per claim Iowa New Business 03-01-19 North Star Mutual Ins. Co. NSCO - 7 Renewals 03-01-19

INLAND MARINE COVERAGES AND RATES CONTRACTORS, SERVICE & APPLIANCE DEALERS FLOATER - CF-1096 This form is designed to handle the Inland Marine needs of small contractors, appliance and other service dealers. Coverage can be provided under four different categories all under one contract. Coverage can be written for portable tools, materials to be installed, customers property in care of the insured for repair and service, and for property of the insured while on the customer s premises for approval, trial, demonstration or loan. Blanket coverage on leased or rented equipment is also available on a special form basis (CF-1122 only). Coverage under these five categories also applies while the property is in transit on or in vehicles owned or operated by the insured. COVERAGES PROVIDED Coverage is provided on a named perils basis including fire, lightning, windstorm, hail, explosion, smoke, aircraft, vehicles, flood, earthquake, collision or upset and overturn of transporting land motor vehicle, collapse of bridges, sprinkler leakage, strike, riot or civil commotion, vandalism and theft. NOTE: Special Form - CF-1122 coverage is also available using the Special Form rates shown below. CF-1122 covers direct physical loss unless a loss is excluded. INLAND MARINE RATING PROCEDURE 1. Select Inland Marine coverage category desired. 2. Select deductible desired. (Must be same for each category of coverage written.) 3. Select the appropriate rate per $100 from the Rate Table below. 4. Multiply rate by the coverage amount to determine premium. COVERAGE CATEGORIES, RATES AND DEDUCTIBLES (Rates per $100) $250 Ded $500 Ded $1,000 Ded $2,500 Ded $5,000 Ded Named Special Named Special Named Special Named Special Named Special Peril Form Peril Form Peril Form Peril Form Peril Form A. Contractors Equipment 1. Unscheduled Tools And Equipment $1.24 $1.43 $0.95 $1.09 $0.81 $0.95 $0.78 $0.92 $0.76 $0.90 2. Scheduled Tools And Equipment N/A N/A 0.95 1.10 0.85 1.00 0.82 0.97 0.80 0.95 B. Property for Installation (25,000 Maximum Limit) 2.50 2.88 2.25 2.59 2.00 2.30 1.94 2.23 1.90 2.19 C. Customer s Property 1.75 2.01 1.60 1.84 1.40 1.61 1.36 1.56 1.33 1.53 D. Property Out on Approval 2.25 2.59 2.05 2.36 1.80 2.07 1.75 2.01 1.71 1.97 E. Blanket Coverage on Leased Or Rented Equipment N/A N/A N/A 1.14 N/A 1.00 N/A 0.97 N/A 0.92 UNDERWRITING REQUIREMENTS 1. All tools and equipment valued over $1,000 per item must be specifically scheduled. 2. Coverage may be written under any or all categories. 3. All categories must be written to at least 100% of value. 4. Coverage should be written for only careful and experienced contractors and dealers who operate a profitable and well maintained business. 5. The rates shown are only estimates. Rates may be increased or decreased depending on location and type of work done. Iowa New Business 03-01-19 North Star Mutual Ins. Co. NSCO - 8 Renewals 03-01-19

OPTIONAL COVERAGES AND RATES 1. Employee Theft ($5,000 Coverage)... For up to 5 employees make Flat charge of... $ 85.00 For each additional employee charge... $ 10.00 2. Money and Securities... 5,000 Inside - 2,000 Outside... $ 84.00 10,000 Inside - 2,000 Outside... $165.00 3. Exterior Signs ($2,500 included)... Rate per $1,000 increase... $ 25.00 Joisted Non- Frame Masonry Comb. 4. Accounts Receivable... Rate per $1,000... 2.50 2.25 2.00 5. Valuable Paper and Records - Other Than Electronic Data ($2,500 included)... Rate per $1,000 increase... 5.00 4.50 4.00 6. Additional Insured: A. (CG 20 10) Charges apply per location and per insured... $ 100,000 - $25.00 $ 300,000 - $30.00 $ 500,000 - $35.00 $1,000,000 - $40.00 B. (CG 20 37) Refer to Home Office for prior approval and rating. 7. Non-owned Auto Liability... $ 100,000 - $20.00 $ 300,000 - $25.00 $ 500,000 - $30.00 $1,000,000 - $35.00 8. Hired Auto Liability... $ 100,000 - $27.00 $ 300,000 - $32.00 $ 500,000 - $35.00 $1,000,000 - $40.00 9. Employment Practices Liability ($50,000 Limit; $2,500 Deductible) Apply a per policy charge of 5.47% on all combined liability premium. A $50 minimum charge applies to this coverage. 10. Cyber Liability ($50,000 Limit) Apply a per policy charge of 3.75% on all policy premium. A $20 minimum charge and a $300 maximum charge applies to this coverage. 11. Inland Marine Coverage... Refer to Inland Marine Section (Contractors Equipment, Installation floater etc.) Other optional coverages are available. Please contact the Home Office for rates on coverages desired that are not listed above. Iowa New Business 03-01-16 North Star Mutual Ins. Co. NSCO - 9 Renewals 03-01-16