Philadelphia Insurance Company

Agriculture/Farm

COMMERCIAL AGRIBUSINESS Philadelphia Insurance Companies (PHLY) offers coverages that are important to your Commercial Agribusiness operation. We understand how to provide a flexible and comprehensive insurance program to risks all across the United States. Key Benefits General Liability • Comprehensive General Liability – limits to $1M each occurrence/$2M aggregate • Employee Benefits Liability • Broad named insured wording automatically included Property • Blanket limits with large in-house capacity • Vandalism Reward Reimbursement coverage • Replacement Cost endorsement • Business Income • Elite Property enhancement form included at no charge • Market leading coverage forms • Ordinance or Law coverage included • Boiler or Mechanical Breakdown coverage available Umbrella Liability • Limits available up to $10M Automobile • Owned/non-owned/hired auto • Liability and physical damage • Rental reimbursement Crime and Fidelity • Employee Dishonesty • Forgery or Alteration Additional Coverages Available • Directors & Officers Liability • Employment Practice Liability • Cyber Security Liability Bell Endorsement – Includes $50,000 limits each for Business Travel Accident Benefit, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement Crisis Management Enhancement Endorsement – $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to a “crisis”

Business Auto

Commercial Auto Products We are committed to providing the automobile and truck rental and leasing industry with a broad range of value added insurance coverages. Benefits of the Program Philadelphia Insurance Companies is committed to providing the automobile and truck rental and leasing industry with a broad range of value added insurance coverages. Coupled with in-depth knowledge, underwriting flexibility, and competitive pricing, Philadelphia Insurance Companies is recognized as a premier writer of these coverages and is nationally recognized as an industry leader.

Crimes, Bonds, Surety, Fidelity

Surety Bonds We are one of the largest and strongest rated surety companies in the country with an A++ (Superior) rating by A.M. Best. Get a Bond Online RightArrowWhite Diverse Solutions and Nationwide Programs from Surety Experts PHLY offers a wide range of products and services to meet the surety needs of individuals and businesses. Our nationwide Express programs are designed to offer quick and affordable coverage to individuals and small business owners, while our account programs are built to service the complex and evolving bond portfolios of large entities. PHLY provides financially sound solutions for commercial and contract risks of all types. Scroll down to learn more about each of our surety bond programs. How To Do Business with PHLY Surety Agents with a MyPHLY account can get started with the PHLY bond options below. Agents not yet appointed with PHLY can click the button below to get started. Start Your Surety Book Types of Surety Bond Programs Commercial Commercial Account Surety With a full service suite of commercial surety solutions, we combine exceptionally strong paper with superior service to support programs of up to a $250 million single/aggregate limit. Learn More CommercialExpress Commercial Express Surety Our nationwide program offers quick turn-arounds, streamlined underwriting, and flexible rates up to $1M single/aggregate for all classes of small commercial surety bonds. Get a quote or execute a bond online in minutes! Learn More contract Contract Account Surety We offer various types of bonds to fit the needs of general builders, heavy/highway contractors, material supplies, developers and major trade contractors/subcontractors. Learn More ContractExpress Contract Express Surety Contract bond solutions up to $1M single/aggregate in all 50 states for building trades contractors with single or small account bonding needs. Same day service is offered for most performance & payment and supply bonds. Learn More

D&O, E&O, EPLI, Cyber

CRIME PROTECTION PLUS WHY PHLY? • 20+ years of operating experience in the Management and Professional Liability market with superior service and coverage • Superior financial strength from A.M. Best (A++ XV) and Standard & Poor’s (A+) • Dedicated team with over 100 underwriters & claims professionals located across 13 Regional Offices • Broad policy available monoline or in conjunction with a Management and Professional Liability policy • Ability to purchase additional coverages such as Computer and Funds Transfer Fraud, Credit Card Forgery, and Third Party Crime ACCEPTABLE CLASSES • Accounting Firm • Advertising Agency • Church/Religious Organization • Computer Consultant • Contractor • Child Care Center • Grain Cooperative • Health and Fitness Facility • HOA/COA • Hospital • Hotel • Insurance Agency • Management Consultant • Membership Organization • Non-Profit/Social Service • Printers (except those doing lottery, gaming, or coupons) • Public Entities • Retail • Temporary Staffing • Travel Agency • Trustee • Youth Organization • Many more! PROHIBITED CLASSES • Alcohol and Tobacco Distributors or Manufacturers • Law Firm • Auctioneer • Casino • Check Cashing • Collection Agency • College/University • Convenience Store • Entertainment and Sports Venue • Financial Institution • Investment Bank • Jeweler and Furrier • Labor Union • Mortgage Broker/Banker • Pawn Shop • Securities and Commodities Broker/Dealer • Title/Escrow Agent • Trucking/Transportation • Warehouse/Inventory Exposure

E&S

EXCESS INSURANCE Management & Professional Liability WHY PHLY? • 20+ years of operating experience in the Management and Professional Liability market with superior service and coverage • Superior financial strength from A.M. Best (A++ XV) and Standard & Poor’s (A+) • Dedicated team with over 100 underwriters & claims professionals located across 13 Regional Offices • Follow form coverage on a simplified policy structure PROHIBITED CLASSES BY COVERAGE Directors & Officers Liability • Biotech Company • Pharmaceutical Company • Public Company D&O • REITS made up of Mortgage Backed Securities • Reverse Mergers Errors & Omissions • Architect • Engineer • Financial Institution • Insurance Agent • Insurance Company • Investment Company • Law Firm • Security Broker Dealer Cyber Liability • Credit Card Processor • Cloud Company Miscellaneous Policies • Reps and Warranties • Loss Mitigation • Tax Opinion Liability • Financial Guarantee Insurance ACCEPTABLE UNDERLYING COVERAGES • Directors & Officers Liability • Employment Practices Liability • Errors & Omissions • Cyber Liability • Fiduciary Liability

Environmental/Pollution

ENVIRONMENTAL OVERVIEW In an effort to meet environmental compliance and regulatory requirements, companies everywhere are facing a new level of risk. Our products offer a broad range of flexible and comprehensive liability products for environmental, operation and maintenance, trade and construction contractors, consultants, waste facilities, owners, and operators of properties. Premises Environmental • Annual or multi-year policies; up to five year operational and 10 years transactional • Minimum Premium $3,000 • Coverage offered on claims-made basis • Remediation Coverage on and off site (discovery and third party triggers) • Third Party Bodily Injury and Property Damage • Transportation (first and third Party) • Non-owned Location Liability • Mold Coverage available on a claims-made basis • Emergency Response Cost Coverage • Optional Covered Operation Pollution Liability Coverage Target Classes: • Very broad appetite, including but not limited to: Manufacturing, Petroleum Distribution and Storage, Treatment and Disposal, Logistics, Educational, Commercial & Retail, Multi-tenant Habitational, Medical, Recreational, and Agricultural. Contractor Environmental • Annual or multi-year policies; up to three years for practice and five years for project • Minimum Premium $3,000 • Available on either claims-made or occurrence basis • Remediation (discovery and third party triggers) • Third Party Bodily Injury and Property Damage • Transportation • Non-owned Location Coverage (for disposal sites) • Mold Coverage available on a claims-made or occurrence basis • Owner Controlled Insurance Program (OCIP) and Contractor Controlled Insurance Program (CCIP) structures are available Target Classes: • Very broad appetite, including but not limited to: General Contractors, Specialty Contracting, Trade Contractors, and Street and Road Contractors Environmental and Professional • Annual policies available on a practice or project-specific basis • Minimum Premium $5,000 • Professional Liability Coverage – Claims Made Basis • Contracting Operations Environmental Liability available on a claims-made or occurrence basis • Remediation (discovery and third party triggers) • Third Party Bodily Injury and Property Damage • Transportation • Non-owned Location Coverage (for disposal sites) • Mold Coverage available on a claims-made or occurrence basis Target Classes: • Very broad appetite, including, but not limited to: General Contractors, Construction Managers, and Trade/Specialty Contractors. Environmental Package – EPAC • Combines General Liability, Environmental, and Professional Target Classes: • Environmental Contractors, Storage Tank Installation, Asbestos & Lead Abatement, Industrial Cleaning, Solar and Alternative Energy Environmental Account Solutions (E.A.S.) • Offering both Contractors Environmental Coverage and Contractors Environmental & Professional Coverage. • Minimum Premium $2,500 • Minimum SIR $2,500 • Designed for General Contractors, Construction Managers and Trade/Specialty Contractors with revenues of $5M or less • Quote issued within 72 hours of receipt of complete submission

Flood

NFIP FLOOD PROGRAM Philadelphia Insurance Companies (PHLY) is an authorized Federal Flood insurance writer, with Flood programs available in all 50 states. These programs provide Flood coverage protecting both residential or commercial buildings and contents, including a program designed specifically for condominium associations. PHLY provides specialized marketing and training expertise for these programs, along with internet based policy quoting and service. Because there is a 30-day waiting period for many policies to take effect, don’t wait for the threat of flood to arise before you check out the advantages PHLY’s Federal Flood insurance can provide. Key Benefits • Programs available for residential and commercial properties • Specialized Condominium Association product available • Contents Only coverage available for renters • Coverage can be purchased in all Flood zones Personal Residential Flood Program • All eligible buildings located in participating NFIP communities • A 30-day waiting period will apply to all new policies, except when the building is a loan-closing or a map revision • Single Family Dwelling – Building coverage up to $250,000, Contents coverage up to $100,000 • 2-4 Family Dwelling – Building coverage up to $250,000, Contents coverage up to $100,000 • Other Residential – Building coverage up to $500,000, Contents coverage up to $100,000 Commercial/Non-Residential Flood Program • All eligible buildings located in participating NFIP communities • A 30-day waiting period will apply to all new policies, except when the building is a loan-closing or a map revision • Other Residential – Building coverage up to $500,000, Contents coverage up to $100,000 • Non-Residential – Building coverage up to $500,000, Contents coverage up to $500,000 • Condominium Association – Building coverage up to $250,000 per unit, Contents coverage up $100,000 Documents Required for Proposal • Completed set-up form • Copy of your agency E&O coverage declaration page or Certificate of Insurance • Copy of the agency business license • Copy of the agency principal’s insurance license • List of states your agency or an agent in your office holds a non-resident license • Completed W-9 form • Dollar amount of Flood insurance premium your agency plans on writing over the next 12 months. If you are not sure, list a low figure, as this amount will appear on the Commission Agreement you will sign later • Proof of Flood Continuing Education

Non-Profit

NON-PROFIT & SOCIAL/HUMAN SERVICE ORGANIZATIONS Philadelphia Insurance Companies‘ (PHLY) Non-profit and Social/Human Service Organization package is insurance uniquely designed to fulfill a wide range of special insurance needs for the non- profit sector as defined under IRS Code 501(c)(3). Each policy is custom tailored to address each insured’s unique exposures. We offer separate limits for General Liability, Professional Liability, and Abuse & Molestation (if eligible). In addition, we offer a separate Directors & Officers Liability policy. Key Benefits General Liability • Limits to $1M each occurrence/ $3M aggregate • Employees, Volunteers, and Insureds • Abuse and Molestation coverage • Blanket additional insured for funding sources and landlords • Medical payments for volunteers included • Thirty-three additional coverage/extensions Property • Blanket limits available • Special Causes of Loss coverage • Equipment Breakdown coverage • Agreed Amount available with signed statement of values/property appraisal • Forty-two additional coverage/extensions • Ordinance or Law coverage – included up to building limit Umbrella/Excess Liability • Large Excess Limits available Automobile • Owned/non-owned/hired auto • EmployeesandVolunteersasInsuredscoverage • Hired car physical damage Crime and Fidelity • Employee Theft/Forgery • Money and Securities Directors & Officers Liability • Defense Costs in addition to the Limit of Liability • Most favorable venue wording for punitive, multiple or exemplary damages Professional Liability • Covers students in training • Occurrence or claims-made forms available • Separate coverage part so no erosion of General Liability aggregate limit • Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists Documents Required for Proposal • Completed, signed, and dated PHLY Non-profit and Social/Human Services Organizations Supplemental application • Completed ACORD application(s) • Currently valued insurance company loss runs for the current policy period plus three (3) prior years • Brochure, advertising materials, and website information

Small Commercial

E&S SMALL BUSINESS SOLUTIONS The Primary Department team has created a dedicated unit for accounts ranging between $3,000 and $15,000 in premium. This unit is designed to maximize our relationships with our PHLY agents and focus on the profitability of small business underwriting. Available Coverages General Liability • $1M/$2M/$2M limits available • First Dollar coverage available • Liquor Liability Property Contracting • Artisan contractors • Custom home builders • Landscaping • Janitorial • Owners interest • Project specific Retail • Vacant buildings • Real Estate/LRO • Vacant land • Billiard halls • Department stores • Grocery stores • Pawn shops • Swap meets/flea markets Manufacturing • Toys • Auto parts • Exercise equipment • Machine shops • Metal fabrication • Sporting goods • Tools • Appliances • Plastic products • Cosmetics Hospitality • Restaurants • Theaters • Concerts/special events • Catering Halls • Hotels/Motels • Up to $2M TIV per location/$5M per policy • Property Enhancement coverage • Equipment Breakdown coverage Excess • Up to $5M limits available Submission Requirements • ACORD Applications • Supplemental applications for manufacturing, contractors, vacant buildings, and hospitality risks (competitor’s applications are acceptable) • Currently valued company loss run for two years plus the current year • New entities should include a resume evidencing relative experience • Expiring Premium • Desired terms and conditions

Umbrella

EXCESS CASUALTY Products & Capabilities • Unsupported – We can write over another carrier’s primary or excess limits • Supported – We can write over PIIC or TMSIC primary coverages • Follow-form excess policy • Ability to participate in quota share limits • Flexibility on attachment levels • Admitted and non-admitted paper • Occurrence and Claims Made coverage • Fast turnaround on quotes • Consistent underwriting approach • Best-in-class service provided by regional underwriting offices located across the country Target Classes • Contracting – Roofing, Plumbing, HVAC, Small Artisans, Project Specific Business • Hospitality – Hotels/Motels, Bars/Taverns, Restaurants • Manufacturing – Machine Shops, Construction Equipment Manufacturing, Metal Stamping, Tool & Dye, Contract Manufacturing • Real Estate – Commercial, Retail, Retail Department Stores, Strip Malls, Parking Lots, Supermarkets, Swap Meets/Flea Markets • Services Exposures Submission Requirements • Cover letter with a brief description of operations and target pricing • Description of Named Insureds • Five years of currently valued loss runs for all underlying coverages • Underlying terms and conditions (Underlying carriers must have an AM Best rating of “A-VII” or higher) Financial Security • AM Best rated A++ • Standard & Poor’s assigned A+

Classic Cars

COLLECTOR VEHICLE PROGRAM The Collector Vehicle Program has specialized in insuring collectable vehicles for nearly 60 years. The company understands policyholders’ love for vehicles and their desire to have the best coverage possible. Key Benefits Auto Liability • Agreed Value coverage – You can predetermine the value of your vehicle. Once the underwriting team has agreed to this amount, it becomes the coverage limit for the policy term. In the event of a total loss, this amount is paid with no deductible in most states • High Liability limits available – The ability to go up to $1M. This is added security if you choose to buy higher limits • No mileage limitations – The policy authorizes unlimited hobby use of the vehicles in collector activities, exhibits, and parades • Automatic coverage – For 30 days on newly acquired vehicles • Towing and labor costs – The policy will pay up to $250 each time your covered vehicle is disabled • Spare Parts coverage – The policy will pay up to $500 for direct and accidental loss or damage to spare parts for your covered auto • Trip Interruption coverage – The policy will pay up to $600 for traveler’s expense due to accident or mechanical breakdown of your covered vehicle • Auto show medical reimbursement – Clients or family members injured during an auto show or similar car – related event will receive pre-determined medical coverage Service Features • In-house claims handling – Claims are handled by an in-house collector insurance expert • Repair shop of your choice – Take your vehicle to your shop your choice for repairs Documents Required for Proposal • Completed, signed, and dated Collector Vehicle Program application • Photos of the vehicle • The collector vehicle must be used and maintained for hobby purposes and exhibition and not for racing, rallying, general transportation, or backup transportation