commercial lines product portfolio - penn national … builders and contractors n property n...

Commercial Lines Product Portfolio

How to Use this Product Portfolio

Express Business

Market Opportunitiesn Artisan Contractors

n Auto Parts & Supply Stores

n Auto Repair & Service

n Beauty Salons & Barber Shops

n Beverage Stores – Beer & Soda

n Beverage Stores – Wine & Liquor

n Business Class Hotels

n Car Washes

n Clothing & Wearing Apparel

n Eateries

n Excavation Contractors

n Golf Course Inland Marine

n Insurance Agencies

n Janitorial Services

n Law Offices

n Lawn & Garden Services

n Medical Offices

n Metal Goods Manufacturing

n Mini-Warehouses

n Pharmacies

n Printers

n Realtors

n Restaurants

n Roofing Contractors

n Veterinarians

n Wholesalers

PennPac® Series n Business Auto

n Business Auto – Virginia

n Businessowners

n Businessowners: Mini-Warehouses

n Businessowners: Printers

n General Liability

n Inland Marine Contractors

n Inland Marine Contractors for the Associated Builders and Contractors

n Property

n Property: Hospitality

n Property: Printers

n Property: Manufacturers & Industrial

n Property: Restaurants

n Property: Wholesalers

n Workers’ Compensation (not available in all states)

Additional Coverages n Commercial Output Program

n Contractor’s Errors & Omissions

n Crisis Response

n Cyber Security Coverage

n EPLI

n Risk Management Hotline

Ease of Doing Business n CL Quick Reference

n Online Convenience

An Equal Employment Opportunity/Affirmative Action Employer©2015 Penn National Insurance Form #92-161 (05.2015)


Table of Contents

Additional Coverages Additional Coverages is our section for special endorsements and coverages.

We encourage you to take a closer look at our products and services. Count on your territory manager to periodically bring you new pages to add to the portfolio.

The online version of the CL Product Portfolio can be found on PennConnect, under View Sales & Marketing Materials.

Ease of Doing Business This section provides you with a quick reference guide and information about our online tools and services.

Express Business GuideThe Express Business Guide is our express business eligibility criteria guide, which includes nearly 400 eligible classes. It identifies risks and risk criteria that fall within your binding authority, giving you flexibility and making it easy to place your business with us.

Market OpportunitiesIn this section, you’ll find a showcase of segments, both small and mid-size, in which we offer competitive products and add-on coverages to meet your clients’ unique needs. The at-a-glance sheets help you quickly assess the features, enhanced coverages and underwriting guidelines and eligibility. The front of each sheet serves as an example of the marketing fliers you can customize with your agency information.

PennPac® Series If you’re looking to customize policies, turn to our PennPac Series. Our PennPacs are rich in coverages and limits. Here you’ll find valuable coverage enhancements on Business Auto, Businessowners, General Liability, Property and Inland Marine PennPac and PennPac Plus endorsements. Many of the coverages can be added at no or nominal additional premium charges.

Keep this portfolio within easy reach and look to it often for:

Business solutions at your fingertips. Competitive pricing. Comprehensive coverage.

We offer an array of business insurance solutions to fit the needs of your customers.

This easy-to-use portfolio highlights the wide range of products we offer and markets we serve.



How to Use this Product Portfolio


Express

Bu

siness

Express

Business

Eligibility Criteria

Your best choice for business insurance

BusinessExpress

Everybody’s writing small and middle market business

insurance these days. And while it’s true that these business

policies appear similar, it’s the little differences that count:

Easy, online quoting. Fast policy turnaround. Comprehensive

coverage. Competitive pricing. And, great service.

Express Business gives you all that and more.

BusinessExpress

Customer-engaged, personal attention

From responsive underwriting staff to helpful customer support personnel, we are ready to provide you and your clients with outstanding service:

n Online Insurance Center for policyholders who want to manage their account, pay online, and review claim status.

n Responsive, knowledgeable claims handling — our claims staff consistently receives the highest satisfaction ratings from both agents and policyholders.

We’re ready to write your business accounts

We’ve provided you with all the information you need:

1. Review the eligibility requirements on the following pages.

2. Look up the class you’re quoting.

3. Start quoting online.

Expanded appetite for profitable growth

Express Business includes 600 eligible classifications* that fall under your general authority for express business. Plus, our broad eligibility gives you the flexibility you need to meet your business clients’ needs.

All the tools you need, plus fast policy turnaround

Through PennPlus, you can quote and prepare a customized proposal and submit an application in no time flat and be on to the next piece of business. Plus, when you submit electronically, we post issued policies on PennConnect within three to five business days.

We offer an enhanced quoting system that automatically transfers customer data from your agency management system to PennPlus. This will make it even easier and faster to quote your commercial accounts with us.

Our richest coverage at a competitive price

Our BOP PennPac®, PennPac® Plus and PennPac® Deluxe products include some of the richest property and liability coverages of any product out there. These enhanced coverages add up to more than $1 million in extra protection. You can find coverage summaries under the PennPac Series section.

* View the complete list of eligible classifications on PennConnect, under Manuals. Select the Express Business Eligibility Class Table.

Your best choice for business insurance

Competitive Solutions for Profitable Growth

All LinesGeneral Authority

n Must be in the Express Business Eligible Class table, or be an Express Business classified in PennPlus quoting application.

n Must have been in business for at least three years or have at least three years management experience in this type of business.

n Must have three or fewer losses during the prior three years, with the total less than $5,000.

n Risks must not have been cancelled or non-renewed for underwriting reasons or nonpayment of premium.

n Any applicant with any bankruptcies, tax or credit liens in the past five years are not eligible.

n Multiple named insureds require prior approval.

AutomobileGeneral Authority

n Ten vehicles or fewer.

n Auto liability limit authority = $1 million; medical = $5,000.

n Auto physical damage minimum deductibles are $250 comprehensive and $500 collision.

n Acceptable vehicle types: private passenger types*, pick-up trucks, delivery vans, light trucks*, medium trucks (GVW 20,000 lbs. or less) and utility trailers.

n Radius must not exceed 100 miles.

n Uninsured motorists and underinsured motorists stacked limits are not eligible (PA & NC).

n Drivers must be licensed a minimum of 5 years.

n Appropriate driver screening program.

Ineligible Coverages/Exposures

n Any driver with one or more of these violations in the past three years may not be written: DWI/DUI, vehicular homicide, reckless driving, driving with a suspended or revoked license, driving without a license, using a vehicle in the commission of a crime, and leaving the scene of an accident.

n Use of Symbol 2 for physical damage.

n Drivers 70 years of age or older.

n Monoline policies.

n Trucking-for-hire exposures.

n Pollution buy-back.

n Motor carrier endorsements, including MCS–90.

n Garagekeepers legal liability.

n Individually owned autos registered to anyone other than a sole proprietor.

n Any hired auto or nonowned auto coverage, if there are delivery exposures and employees using their own vehicles.

n Registration plates not issued to a specific vehicle.

n Autos held for sale by non-dealer.

n Employee hired auto

n Antique autos

n Vehicles 25 years old or greater, other than private passenger-type vehicles.

* The following types of vehicles are not eligible: AM General, Alfa Romeo, Aston Martin, Bricklin, DeLorean, Ferrari, Jensen, Lamborghini, Lancia, Lotus, Maserati, Pantera, Rolls Royce or Triumph.

Eligibility Criteria Competitive Solutions for Profitable Growth

View the complete list of eligible classifications on PennConnect, under Manuals. Select the Express Business Eligibility Class Table.



n Any operation where the total contract cost of subcontracted work exceeds 25% of the insured’s annual gross receipts for ACP, 50% for General Liability.

n Any operation where the total contract cost from uninsured/underinsured subcontractors exceeds 10% of the insured’s total annual gross receipts.

n Contractors engaged in the leasing or rental of equipment to others, with or without operators. (Note: Does not apply to reciprocal exchange agreements between contractors.)

n ACP only – ISO GL contracting classifications 90000-99999 are eligible for use only for classification of uninsured/underinsured subcontractors.

n Exposure to exterior insulation finishing systems work.

n Asbestos abatement work.

n Printers Errors and Omissions Liability – insureds providing the following services:

• Newspaper printing (excluding weekly advertisers)

• Book or magazine printing

• Printing of stamps – postage or trading

• Ticket printing, such as, but not limited to – raffle, lottery, sports, contests or concert

• Printing of currency, securities, travelers checks, or money orders

• Publishing

n Owners and Contractors Protective Liability

n Railroad Protective Liability

n Liquor Law Liability

n Limited Pollution Liability

n Products Recall

n Bodily Injury/Property Damage Deductibles

n Products – Completed Operations excluded

n Maryland Changes – Liability for Lead

n Employment-Related Practices Liability for:

• See Express Business Guidelines for excluded classes

• Limits greater than $100,000

• Premium greater than $10,000

n Vacant or unoccupied buildings

n Installation of Chinese drywall

n Insured:

• Uses subcontractors carrying limits less than $500,000

• Does not obtain Certificates of Insurance prior to starting work

• Does not utilize written contracts with Hold Harmless and Additional Insured requirements.

n Ineligible ACP – contractors participating in wrap-ups

ACP/General LiabilityGeneral Authority

n Any combination of full-time or part-time employees cannot exceed 50 (ACP only).

n Maximum liability limit authority – up to $1 million per occurrence; general & products aggregate = $3 million.

n Medical payments – $10,000

n Fire damage legal liability – up to $1 million not to exceed the occurrence limit




BusinessownersGeneral Authority

n Buildings owned or occupied must be built in the past 25 years or have updated roof, plumbing and wiring within the past 25 years.

n Total location property limits authority for Protection Classes 1-8: $1,500,000.

n For building limits of $500,000 or more, verify that building values are adequate.

n Maximum liability limit authority – up to $2 million per occurrence.

n When under one ownership, building and personal property must be included in the same policy.

n Professional liability coverage may be written for: barbers, beauticians, manicurists, druggists, opticians, optometrists, hearing aid sales & service, printers E&O, and veterinarians (house pets).

n Employee benefit liability up to $1 million per claim/$3 million aggregate.


n Protection classes 9 & 10

n Hired and nonowned auto coverage with delivery exposures and employees using their own vehicles

n Buildings under construction or renovation

n Vacant or Unoccupied buildings

n Earthquake

n Printers Errors and Omissions Liability – Insureds providing the following services:

• Newspaper printing (excluding weekly advertisers)

• Book or magazine printing

• Printing of stamps – postage or trading

• Ticket printing, such as, but not limited to – raffle, lottery, sports, contests or concert

• Printing of currency, securities, travelers checks, or money orders

• Publishing

n LPG receipts greater than 10% of total receipts or $75,000

n Condominium Association Directors and Officers Liability

n Liquor Law Liability

n Employment-related Practices Liability for:

• Lawyers and employment agencies

• Limits greater than $100,000

• Premium greater than $10,000

n Buildings with more than two mortgagees listed

n Ordinance or law

• Coverage 2 Demolition Cost greater than 10% of the building value

• Coverage 3 Increased Cost of Construction greater than 10% of the building value

• Coverage 2 and 3 combined greater than 20% of the building value




Mercantile – Wholesale

n Maximum of 50,000 sq. ft. of eligible occupancy.

n If combined wholesale and retail, retail cannot exceed 25 percent of total receipts.

n Direct importing is not eligible.

n Sale of any second-hand products is not eligible.

n Discount retail stores or factory outlets are not eligible.

n Rental operations are not eligible.

Lessor’s Risk

n Buildings or premises not occupied by the insured must meet the eligibility criteria for the risk occupancy.

n Eligible BOP classes listed in the Express Business Eligible Class table must occupy at least 85 percent of the building. All office occupancies will be considered BOP eligible.

Mercantile – Retail


n Maximum of 50 percent of total receipts from off-premises installation or repair.

n If combined retail and wholesale, retail sales must exceed 25 percent of total receipts.

Office

n Building coverage – maximum of 10 stories or 100,000 sq. ft. in total area, with no more than 15,000 sq. ft. of other eligible occupancies.

n Business Personal Property – maximum 50,000 sq. ft. in any one building.

Mini-Warehouses

n Establishments renting storage space to individuals or businesses. Facilities should consist of many individual storage units, each subject to access by the lessee.

n Unlimited numbers of storage units, buildings or square footage.

n Movement of stored items is the sole responsibility of the lessee.

n Ownership or operation by a moving, storage or trucking company is not eligible.

n Lessees must sign a contractual lease with a hold-harmless agreement in favor of the insured, and there must be written restrictions on hazardous and/or flammable items stored.

n Processing, manufacturing or repair operations on premises are not eligible.

n Truck rental or leasing operations are not eligible.





Inland MarineGeneral Authority

n Scheduled Property – $100,000 Total Schedule

n EDP –

• Hardware, Software and Extra Expense: $250,000

• Loss of Income: $100,000

• Transit: $100,000

n Contractors Equipment –

• Total Schedule: $250, 000

• Any one construction trailer: $25, 000/$50,000 occurrence

n Installation Floater –

• Maximum Limit per project: $250, 000

• Gross Receipts: $3,500,000

n Builders Risk – Scheduled Locations

• For frame and non-combustible: $500,000

• For masonry or masonry non-combustible: $1,000, 000

• For modified fire-resistive and fire-resistive: $2,000, 000

n Blanket Builders Risk – Total expected completed value/receipts for all projects: $1,000,000

n Small tools valued at $1,000 or less; $25,000 total schedule

Businessowners (continued)

Service


Limited Cooking Risks

n Cooking exposures may include the following cooking processes capable of producing grease-laden vapors requiring an exhaust system: grilling, enclosed broiling, deep fat frying, roasting or barbecuing. Must meet NFPA standards and UL 300. Open broiling and solid fuel cooking (e.g., mesquite, charcoal or hardwood) are not permitted.

n Operations must be specifically classified – no classification by analogy is permitted.


n Inside seating capacity of 75 or fewer.


n Restaurants (including fast food restaurants), pushcarts, mobile lunch stands, catering, cooking vehicles, seasonal operations, bars/lounges.





n Scheduled Property

• ATVs and property other than cameras, cell phones, GPS, catering equipment, electronic equipment, forklifts, generators, lawn mowers, power tools, sporting goods, surveying equipment, TV/radio and sound systems, and video equipment.

n EDP

• Protection Classes 9 or 10

• No back-up procedures

• No electrical and power supply disturbance protection

n Contractors Equipment

• Hot Mix Asphalt Plants

• Cranes and derrick booms greater than 50 feet

• Waterborne equipment

• Equipment used in underground operations

• Replacement cost if average age of equipment is greater than 10 years old

• Equipment borrowed from others

• Risk is other than contracting

n Installation Floater

• Average length of project is greater than 120 days

• Crane operators with less than five years experience

• Tandem lifts

• Hot testing

n Builder Risk – Scheduled Locations

• Renovation or rehabilitation project

• Named Insured includes financial institution

• Named Insured is a contractor and Penn National Insurance does not write the GL

• Risk is other than contracting


• No sales contract in place

• Wall bracing not used

• Starting date of the project prior to the effective date of coverage

• Estimated completion date greater than one year

• Number of stories greater than two

• Vegetative roof construction

• Wind or solar energy construction

• Commercial and residential structures other than hospitals, industrial, institutional, medical clinics, mini-warehouses, offices, retail, service, single-family dwellings, strip malls, warehouses and wholesale

n Blanket Builder Risk

• Current or future renovation or rehabilitation projects

• Any jobsite locations less than six miles from the coast (DE and NJ)

• Any jobsite locations less than ten miles from the coast

• Number of stories greater than two

• Wall bracing not used


• Any buildings constructed that are not under a contract of sale

• Any buildings presently covered under another builders risk policy

• Vegetative roof construction

• Wind or solar energy construction

• Average duration of projects greater than twelve months

• Commercial and residential structures other than car washes, mini-warehouses, offices/banks, retail and single-family dwellings





n Protection Classes 9 & 10.

n Builders risk.

n Earthquake or flood coverage.

n Agreed value.

n Buildings under construction and renovation.

n Vacant or unoccupied buildings

n Ordinance or law

• Coverage B Demolition Cost greater than 10% of the building value

• Coverage C Increased Cost of Construction greater than 10% of the building value

• Coverage B & C combined greater than 20% of the building value

n Employee Dishonesty, Forgery and Money & Securities Coverage (other than what is automatically included).

n Buildings with more than two mortgagees listed

n Business Income Actual Loss Sustained

n Utility Services Direct Damage and/or Time Element.

Property General Authority

n Total location property limits authority for Protection Classes 1-8: $2,000,000.

n For building limits of $500,000 or more, verify that building values are adequate.

n Buildings must have been built within the past 25 years or have updated roof, plumbing and wiring within the past 25 years.




Workers’ CompensationGeneral Authority

n Experience modification must be 1.05 or less.

n Maximum employers liability limits = $1,000,000/$1,000,000/$1,000,000.

n Payroll cannot exceed $500,000.

n Number of employees – cannot be less than 3 or more than 25.


n Monoline policies.

n Dividend plans.

n Policies subject to anniversary rating.

n 24-hour operations.

n Work performed underground or above 15 ft.

n Owned, leased or operated aircraft or watercraft exposures.

n Leased employees.

n Operations using uninsured subcontractors.

n USL&H, Jones Act, and Maritime Act exposures.

n Employees under 16 or over 70 years of age

n Waiver of Subrogation

n Religious Institutional Endorsement (PA)

n Preferred Medical Panel not posted (NC, PA, SC, TN, VA)

n Voluntary Comp and Employers Liability Coverage Endorsement (DE, MD, NC, PA, SC, TN, VA)

UmbrellaGeneral Authority

n Primary underlying general liability and automobile coverages must be written with Penn National Insurance and meet all the eligibility criteria.

n Minimum underlying limit requirements: a. Auto = $1,000,000 b. General Liability/BOP = $1,000,000/$2,000,000 c. Employers liability = $100,000/$500,000/$100,000

n Umbrella limit authority = $5 million.


n Liquor liability

n Professional liability

n If any underlying coverage effective date is different than the Umbrella.

n When named insured/continued named insured is different than named insured on underlying coverages



www.PennNationalInsurance.com


http://www.PennNationalInsurance.com


clM

arket Op

po

rtun

ities

Market Opportunities

www.PennNationalInsurance.comCustomize this sheet with your agency name and contact information. Go to Access Sales Support on PennConnect.

Features

n Property PennPac® with many enhanced coverages

n Equipment Breakdown coverage automatically included

n Comprehensive general liability covers exposures for all operations

n Automatic additional insureds — owners, contractors, subcontractors (ongoing operations)

n Rated on a per “construction employee” basis

Consider adding these valuable coveragesn Business Income and Extra Expense on an

actual loss sustained basis

n Commercial Auto PennPac Plus features replacement cost coverage for private passenger-type vehicles.

n Contractors Inland Marine PennPac or PennPac Plus bundles valuable coverages

n Limited pollution liability extension endorsement

n Contractors special liability endorsement

n Automatic additional insured — owners, contractors & subcontractors (completed operations)

n General Liability PennPac Plus featuring automatic additional insureds, blanket waiver of subrogation and electronic data liability

n Contractor’s Errors & Omissions for specified contractors

n Cyber Security Coverage with several limit options

Value-added coverages included at no additional charge

Property

Accounts receivable $25,000

Computer equipment disturbance $15,000

Valuable papers $25,000

Loss data preparation costs $ 2,500

Liability

Amended general aggregate limits Per project or per location aggregate

Damage to your work Clarifies that property damage to your work performed on your behalf by subcontractors, within the products- completed coverage is an occurrence. Subject to policy terms and conditions.

Mobile equipment redefined Includes self-propelled vehicles with a GVW (not applicable in Virginia) GVW of 1,000 lbs. or less with permanently attached equipment primarily designed for snow removal, road maintenance (except

construction or resurfacing) or street cleaning

Newly formed or acquired 180 day coverage for newly acquired organizations organizations other than partnerships or

joint ventures or limited liability companies

Unintentional errors and omissions Coverage will not be denied due to unintentional errors or omissions information provided by the insured

With our artisan contractors policy, we offer tailor-made insurance plans to meet your specific business needs. Whether it’s general liability insurance, workers’ compensation, auto, umbrella, inland marine or property, you’ll find our coverages the most comprehensive in the market, yet affordable.

Artisan Contractors

This summary is provided for information purposes only and does not constitute a part of the insurance policy. For details of terms and conditions of coverage, please consult the actual policy forms.


Preferred criterian In business for three or more years

n Appropriate job site supervision

n For auto, radius of operation under 150 miles

n Excellent loss experience

n Solid financial history

Eligibility requirementsn Up to a total of 50 full- and part-time employees

n Total contract cost of subcontracted work is no more than 25% of annual gross receipts

n Does not participate in wrap-ups

n Contractors performing operations which are described by one or more of the Eligible classifications

n Total contract cost from uninsured/underinsured is no more than 10% of the total annual gross receipts

n Appropriate loss control measures in place

Eligible Lines of Businessn General Liability n Property

n Inland Marine n Umbrella

n Auto n Workers’ Compensation

On PennConnect:

n Automatic Additional Insured — Owners, contractors & subcontractors (completed operations) Form #71 1145

n Automatic Additional Insured — Owners, contractors & subcontractors (ongoing operations) Form #71 0741

n Business Auto PennPac Form #71 0679 Form #71 1268 – Virginia Only

n Business Auto PennPac Plus Form #71 1281 Form #71 1523 – South Carolina Only Form #71 1296 – Virginia Only

n Commercial General Liability PennPac Form #71 0680

n Commercial General Liability PennPac Plus Form #71 1403

n Commercial Property PennPac Form #71 0218

n Commercial Property PennPac Deluxe Form #71 1502

n Contractor’s Errors & Omissions Form #71 1570

n Contractor’s Special Liability Form #70 1909

n Crime Coverage Form #71 1101

n Cyber Security Coverage (effective 11/1/15) Form #71 1723

n EPLI (limits available $100,000 – $1 million) Form #71 1374

n Equipment Breakdown Coverage Form #71 1252

n Inland Marine Contractors PennPac Form #71 0966

n Inland Marine Contractors PennPac Plus Form #71 1336

n Limited Pollution Liability Extension Form #71 0678 Form #71 0886 – North Carolina Only

Eligible Business ClassesCarpentry – Interior 19903Carpet – Installation 19904Carpet, rug & upholstery cleaning-on customer’s premises 19905Ceiling and wall installation – metal, tile or acoustical (No asbestos abatement) 19906Conduit construction for cable 19907Driveway or parking lot macadam paving or repairing 19922Driveway, sidewalk and curb cement construction 19908Drywall installation (No asbestos abatement) 19909Electrical apparatus installation, service or repair 19910Electrical contractors 19901Fence erection contractors 19911Floor covering installation, other than carpet 19912Heating and/or Air Conditioning equipment and duct work – electric 19913Heating and/or Air Conditioning equipment and duct work – other than electric 19914Interior Decorating 19915Landscape gardening, including Nurserymen 19920Masonry Work 19921Painting, residential and light commercial, interior and exterior 19916Paperhanging 19917Plastering or stucco work 19924Plumbing, residential, domestic, or light commercial, apartments, office or mercantile 19918Tile, stone, marble, mosaic or terrazzo work – interior only 19919

Please see Manual pages for complete descriptions and exceptions.

Contact your underwriter for more information or to discuss other opportunities.

Underwriting Guidelines


Features

n Businessowners PennPac® with more than 40 enhanced coverages for property and general liability

n Business Income and Extra Expense on an actual loss sustained basis

n Equipment breakdown coverage automatically included

Consider adding these valuable coveragesn Upgrading to Businessowners PennPac Plus

or PennPac Deluxe with higher limits and additional coverages at a nominal charge

n Adding our Commercial Auto PennPac Plus featuring replacement cost coverage for private passenger-type vehicles

n Adding our EPLI coverage with several limit and deductible options.



Accounts receivable $20,000 on-premises/$15,000 off-premises

Employee dishonesty, including ERISA $10,000

Laptops and cell phones $10,000


Ordinance or law $50,000

Fine arts $15,000

Outdoor signs $ 5,000

Personal property off-premises $15,000

Valuable papers and records $20,000 on-premises/$15,000 off-premises

Blanket additional Insured liability Additional insured coverage for managers or lessors of premises, mortgagee, assignee or receiver, and lessor of leased equipment

Money and Securities $10,000 on-premises/$5,000 off-premises

We understand the special needs of retail auto parts and supply stores. That’s why we bring together our BOP with other valuable coverages that give your business the protection you need.

Auto Parts & Supply Stores




Preferred criteria:n In business for three or more years

n Business housed in masonry or better constructed building, and the age of the building is less than 20 years

n Excellent financial report and stability over the past three years

n Appropriate loss control measures should be in place

Round your account with:n Commercial Auto

n Workers’ Compensation

n Umbrella


On PennConnect:



n Businessowners PennPac Form #71 1026

n Businessowners PennPac Plus Form #71 1027

n Businessowners PennPac Deluxe Form #71 1459




Features




n Garagekeepers — direct primary coverage — $35,000 limit with $250/$500 comprehensive deductible and $250 collision. Higher limits available for an additional charge. Requires companion auto policy.


with higher limits and additional coverages for a nominal charge

n Adding our Commercial Auto PennPac Plus featuring replacement cost coverage for private passenger-type vehicles — not commonly found in commercial auto policies, extended airbag coverage, and loaned/leased auto gap coverage. With an affordable annual fee, this coverage is a phenomenal value.


n Adding our EPLI with several limit and deductible options


Appurtenant buildings & structures $5,000

Auto damage to leased property $10,000 limit


Employee tools $10,000 employee tools coverage with no per-employee limitation. Higher limits available for additional premium.

Fuel pumps, tanks and fuel added as covered property

Laptop computer & cell phones $10,000

Loss data preparation cost $2,500

Money and securities $10,000 on-premises/$5,000 off-premises

Ordinance and Law $50,000

Outdoor signs $5,000 limit

Combines our comprehensive businessowners program with enhanced coverages to meet the unique needs of independently operated or franchised automotive service and repair business.

Auto Repair & Service




On PennConnect:

n Auto Service & Repair Amendatory Form #71 0810













Eligibility requirements:n Up to 50,000 square feet of eligible occupancy



n Umbrella

Eligible Business Classes

Auto Body Repair and Collision Shops

Auto Stereo

Auto Detailing

General Mechanical Repair

Glass Repair/Replacement

Muffler Shops

Oil & Lube Shops

Transmission Shops


Features

n Businessowners PennPac® with more than40 enhanced coverages for property andgeneral liability

n Business Income and Extra Expenseon an actual loss sustained basis

n Equipment breakdown coverageautomatically included

n Professional liability(Available for additional premium)


or PennPac Deluxe with higher limits andadditional coverages at a nominal charge

n Adding our EPLI coverage withseveral limit and deductible options

n Adding our Commercial Auto PennPac Plusfeaturing replacement cost coverage forprivate passenger-type vehicles

n Cyber Security Coverage with severallimit options



Back-up of sewers and drains $10,000

Blanket Additional Insured Additional insured coverage for managers or lessor of premises, mortgagee, assignee or receiver, and lessor of leased equipment


Equipment breakdown – Follows property limits Covers loss caused by or resulting from an accident to covered equipment

• Expediting expenses $50,000 sublimit

• Hazardous substances $50,000 sublimit

• Perishable goods/spoilage $50,000 sublimit

Extension of premises perimeter 1,000 feet

Fire protection device recharge $ 5,000




We bring together our comprehensive businessowners policy and other value-added coverages to give beauty salons and barber shops the unique protection needed in today’s marketplace.

Beauty Salons & Barber Shops



n Business housed in masonry or better constructedbuilding, and the age of the building is less than 20 years

n Excellent financial report and stability over thepast three years


An Equal Employment Opportunity/Affirmative Action Employer ©2015 Penn National Insurance Form #92-61 (01.2016)



n Umbrella


On PennConnect:

n Business Auto PennPac

n Business Auto PennPac Plus

n Businessowners PennPac

n Businessowners PennPac Plus

n Businessowners PennPac Deluxe

n Cyber Security Coverage

n EPLI (limits available $100,000 - $1 million)

Form #71 0679 Form #71 1268 – Virginia Only

Form #71 1281 Form #71 1523 – South Carolina Only Form #71 1296 – Virginia Only

Form #71 1026

Form #71 1027

Form #71 1459

Form #71 1722

Form #71 1351



Features




Consider adding these valuable coveragesn Businessowners PennPac Plus or PennPac

Deluxe with higher limits and additional coverages for a nominal charge

n Commercial Auto PennPac Plus featuring replacement cost coverage for private passenger-type vehicles

n Affordable EPLI coverage with several limits and deductible options

n Liquor Liability coverage (not available in AL)



Appurtenant buildings and structures $ 5,000


Blanket additional Insured Additional insured coverage for managers or lessors of premises, mortgagee, assignee or receiver, and lessor of leased equipment


Lock replacement $ 1,000




Seasonal increase 30% of business personal property

We bring together our comprehensive businessowners policy with our liquor liability coverage and other value-added enhancements to give retail beer and soda stores the protection needed in today’s marketplace.

Beverage Stores — Beer & Soda




Preferred criteria:n In business for three or more years is preferred.

n Business housed in masonry or better construction building, and the age of the building is less than 20 years.

n Excellent financial report and stability over the past three years.

n Appropriate loss control measures should be in place.



n Umbrella

n Inland Marine


On PennConnect:







n EPLI (limits available $100,000 - $1 million) Form #71 1351

n Liquor Liability Form #71 1265 – DE, MD and VA Only


Features




Consider adding these valuable coveragesn Businessowners PennPac Plus or PennPac

Deluxe with higher limits and additional coverages for a nominal charge

n Commercial Auto PennPac Plus featuring replacement cost coverage for private passenger-type vehicles

n Affordable EPLI coverage with several limits and deductible options

n Liquor Liability Coverage (not available in AL)



Appurtenant buildings and structures $ 5,000


Blanket additional Insured Additional insured coverage for managers or lessors of premises, mortgagee, assignee or receiver, and lessor of leased equipment





Outdoor signs $5,000


Wine & liquor stores have unique needs. That’s why we offer liquor liability coverage that can be added to our businessowners policy, giving you affordable, comprehensive protection.

Beverage Stores — Wine & Liquor




Preferred criteria:n In business for three or more years is preferred.

n Business housed in masonry or better construction building, and the age of the building is less than 20 years.

n Excellent financial report and stability over the past three years.

n Appropriate loss control measures should be in place.



n Umbrella

n Inland Marine


On PennConnect:








n Liquor Liability Form #71 1265 – DE, MD and VA Only


Features

n Commercial Property Hospitality PennPac® Plus gives you maximum value at an affordable cost.


n Reservations and wake-up service liability

Consider adding these valuable coveragesn Business Income and Extra Expense

at actual loss sustained

n EPLI coverage with several limit and deductible options

n Commercial Auto PennPac Plus featuring replacement coverage for private passenger-type vehicles

n Commercial General Liability PennPac Plus featuring automatic additional insured, and product withdrawal expense coverage


n Crisis Response Coverage with several limit options

Highlights of value-added coverages include:

Alternative key systems Included in the business Personal Property limit

Back-up of sewers and drains $ 10,000

Business Income & Extra Expense• Food contamination shutdown $ 50,000 • Utility services interruption $ 10,000 • Business income from $ 10,000

dependent properties• Reservation systems $100,000• Extended Business Income 90 days• Newly-acquired locations included for 90 days/$250,000 limit

Only included if Business Income & Extra Expense is purchased.


Customer inconvenience remuneration expense $500 per person; $50,000 limit



Fine arts $15,000 at market value


Guests’ evacuation expense $25,000

Guests’ property $1,000 per guest/$25,000 limit

Lock replacement $1,000


Outdoor property $5,000 max/$1,000 any one tree, shrub or plant

Personal effects and property of others $25,000

Signs $30,000

Seasonal Increase Additional 25% up to $100,000

Spoilage due to power outage $10,000

We’ve tailored Property PennPac Plus coverage to provide the hospitality business owners with the protection they need at an affordable cost. Our coverage features customer inconvenience remuneration expense, guests’ evacuation expense, alternative key systems, reservation systems and guests’ property coverages.

Business Class Hotels





n Buildings four stories or less, with a masonry or better construction; structures not more than 20 years old





n Umbrella


On PennConnect:





n Commercial Property Hospitality PennPac Plus Form #71 1448


n Crisis Response Coverage Form #71 1668




n Reservations and Wake-up Service Liability Form #71 1678


Features







n Adding our EPLI coverage with several limit and deductible options




Blanket additional insured Additional insured coverage for Managers or Lessors of Premises, Mortgagee, Assignee or Receiver, and Lessor of Leased Equipment












We bring together our comprehensive businessowners policy and other value-added coverages to give car wash facilities the unique protection needed in today’s marketplace.

Car Washes










n Umbrella


On PennConnect:

n Business Auto PennPac Form #71 0679

n Business Auto PennPac Plus Form #71 1281 Form #71 1523 – South Carolina Only







Features

















Fine arts $15,000




We understand the special needs of retail clothing and apparel shops. That’s why we bring together our BOP and other valuable coverages that give your business the protection you need in today’s marketplace.

Clothing & Wearing Apparel










n Umbrella


On PennConnect:









Features
























We bring together our comprehensive businessowners policy and other value-added coverages to give small eating establishments and bakery shops the unique protection needed in today’s marketplace.

Eateries







Eligibility:Cooking exposures may include:

n Appliances that do not emit smoke or grease-laden vapors that require an exhaust system.

n The following cooking processes capable of producing grease-laden vapors requiring an exhaust system: grilling, enclosed broiling, deep fat frying, roasting and barbecuing.




n Umbrella


On PennConnect:









Features






n Commercial Auto PennPac Plus features replacement cost coverage for private passenger-type vehicles


n Our affordable EPLI coverage with limit and deductible options

n General Liability PennPac Plus, featuring automatic additional insured, blanket wavier of subrogation, electronic data liability, and consolidated insurance (wrap-up) program – limited exclusion


n Automatic additional insured – owners, contractors & subcontractors (completed operations)



Property





Liability



Mobile equipment redefined Includes self-propelled vehicles with a GVW (Not available in Virginia) GVW of 1,000 lbs. or less with permanently attached equipment primarily designed for snow removal, road maintenance (except





We write select excavation contractors that meet our preferred criteria and offer a comprehensive range of services and coverages to meet this industry’s unique needs.

Excavation Contractors





n For workers’ compensation, limited trench work

n No blasting

General eligibility requirementsn Excellent loss experience




Eligible Lines of Businessn General Liability

n Inland Marine

n Auto

n Property

n Umbrella



On PennConnect:









n Contractors Special Liability Form #70 1909









Features

All risk coverage for:

n Golf course property including in-ground sprinkler systems, ball washers, benches, flags, flagsticks, paved cart paths, bridges, and portable out-houses

n Golf cart coverage with no distance limitation

n Driving range property including mats, tees, dividers, ball baskets, and mobile equipment used to retrieve balls

Named peril coverage for:

n Golf course including fairways, greens, sand traps, and bunkers

May we also recommendThe following coverages with expanded PennPac® features:

n Property

n General Liability

n Auto


n Liquor Liability


Outdoor property — trees, shrubs, plants $10,000 all risks

Debris removal 25% of the amount of direct physical loss plus $25,000

Pollutant cleanup and removal $10,000

This comprehensive coverage, designed for public courses, in a convenient, all-in-one form

Golf Course Inland Marine




n Solid financial history and excellent loss exposures




On PennConnect:



n Golf Course Coverage Form #71 1360









Fine arts $15,000

Money and securities $10,000 on-premises/$ 5,000 off-premises


Personal effects $ 5,000


Blanket additional insured liability Additional insured coverage for managers or lessors of premises, mortgagee, assignee or receiver, and lessor of leased equipment

Unintentional E&O Coverage will not be denied due to unintentional errors or omissions information provided by the insured

Features








n Our Agents Umbrella coverage offered through your local PIA or Big I associations

We bring together our comprehensive businessowners policy and other value-added coverages to give insurance agencies the unique protection needed in today’s marketplace.

Insurance Agencies









n Agents Umbrella



On PennConnect:








Features


n Equipment Breakdown coverage automatically included with Property Coverage


Consider adding these valuable coveragesn Business Income and Extra Expense

on an actual loss sustained basis



n Automatic additional insureds – owners, contractors & subcontractors (completed operations)


Highlights of value-added coverages

Property



Extra expense $25,000

Key and lock replacement $25,000


Outdoor signs $10,000

Theft of clients’ property $10,000


Liability

Amended general aggregate limit Per project or per location aggregate

Damage to your work Clarifies that property damage to your work performed on your behalf by subcontractors, within the products-completed coverage is an occurrence. Subject to policy terms and conditions.



Property damage liability extension $100,000 – Responds to property damage to property in the care, custody and control of the insured.

Tangible property damage extension $ 25,000 – Responds to the insured’s legal liability for theft of the tangible property of your customers.


We write select janitorial services contractors that meet our preferred criteria and offer a comprehensive range of services and coverages to meet this industry’s unique needs.

Janitorial Services





n Interior janitorial services


n Inland Marine

n Auto

n Property

n Umbrella


The following services are undesirable within our preferred underwriting criteria:

Asbestos Abatement

Automatic Fixed Extinguishing System, duct or hood cleaning

Building Construction or Renovation

Building Security

Chimney Cleaning

Cleaning Exterior of Buildings over 3 Stories

Construction Site Cleaning or Waste Removal

Contamination Control – clean room or other

Document Disposal

Exterior Window Cleaning over 3 Stories

Fire/Flood/Disaster Restoration Work

Hazardous Waste Removal/Disposal

Hospital Cleaning

Mold Remediation

Pest Control

Snow Removal

Tank or Other Confined Space Cleaning



On PennConnect:













n Janitorial Services Form #71 1490



Features







n Adding Inland Marine coverage to provide increased limits for computers, fine art, accounts receivables and valuable papers




Fine arts $15,000






We understand the special needs of law offices and have added valuable coverages to our businessowners policy that give your firm affordable, comprehensive protection.

Law Offices









n Inland Marine



On PennConnect:







Features










n Automatic additional insureds — owners, contractors & subcontractors (completed operations)

n EPLI coverage with limit and deductible options

n General Liability PennPac Plus featuring automatic additional insureds, blanket waiver of subrogation and electronic data liability



Property





Liability


Bodily injury redefined Includes mental anguish

Broad form named insured Includes organizations and subsidiaries of which insured has 50% or more financial interest, unless insured under another policy

Damage to your work Clarifies that property damage to your work, performed on your behalf by subcontractors within the products-completed coverage is an occurrence. Subject to policy terms and conditions.

Mobile equipment redefined Includes self-propelled vehicles with a GVW (Not applicable in VA) of 1,000 lbs. or less with permanently

attached equipment primarily designed for snow removal, road maintenance (except construction or resurfacing) or street cleaning




We understand the special needs of landscapers and lawn care specialists and offer a rich package of coverages that protects you and your business.

Lawn & Garden Services




On PennConnect:























ACP eligibility requirementsn Up to a total of 50 full- and part-time employees

n Total contract cost of subcontracted work is no more than 25% of annual gross receipts

n Does not participate in wrap-ups

n Contractors performing operations which are described by one or more of the eligible classifications

n Total contract cost from uninsured/underinsured is no more than 10% of the total annual gross receipts


n Inland Marine

n Auto

n Property

n Umbrella



Features








n Adding physicians & dentists coverage for medical equipment

n Adding Inland Marine coverage to provide increased limits for computers, fine art, accounts receivables and valuable papers









Fine arts $15,000






Medical offices have unique coverage needs. We’ve added valuable coverages to our businessowners policy that give your practice affordable, comprehensive property and liability protection.

Medical Offices







Eligibility:n EPLI coverage subject to eligibility requirements



n Inland Marine


n Umbrella


On PennConnect:








For both our COP and package policies:


Consider adding these valuable coveragesn Commercial Auto PennPac Plus features

replacement cost coverage for private passenger-type vehicles.

n Our affordable EPLI coverage with several limit and deductible options

n Products recall expense coverage

n General Liability PennPac Plus, featuring automatic additional insureds and product withdrawal expense coverage



Value-added coverages

Property

COP PennPac Plus

Accounts receivable $50,000 $ 50,000

Brands & labels $50,000* Included

Consequential loss $10,000 Up to policy limit

Fine arts $50,000 $ 25,000

Ordinance & law $50,000* $100,000

Patterns, molds & dies – theft limit Included under BPP $100,000

Property on exhibition $50,000* $ 50,000

Property in transit $50,000* $100,000

Sales rep samples $50,000* Included with property on exhibition

Newly acquired buildings • 90 days • 90 days • $500,000 per building • $1,000,000 per building • $250,000 business • $500,000 business personal property personal property

* limits can be increased for an additional premium

Liability



Newly formed or acquired 180 day coverage for newly acquired organizations organizations other than partnerships or joint ventures or limited

liability companies

Unintentional errors Coverage will not be denied due to unintentional and omissions errors or omissions information provided by the insured

For metal goods manufacturing, we offer property coverage programs to build an insurance plan to best meet your business needs. For larger property risks, our commercial output policy (COP) features flexible custom coverage that combines property and inland marine under one policy. Under our standard property coverage, our Property PennPac® Plus for Manufacturers and Industrial risks adds valuable coverage and higher limits for the unique needs of this industry.

Metal Goods Manufacturing





n Fabrication of non-critical component parts

n Manufactures to specification of others — sign-offs

n Rigorous quality control (record keeping & testing)

n Products meet industry standards

General eligibility requirementsn Excellent loss experience




n Inland Marine

n Auto

n Property

n Umbrella



Preferred ClassesAutomotive Stampings 3465

Crowns & Closures 3466

Cutlery 3421

Fabricated Metal Products 3499

Hand & Edge Tools 3423

Hardware 3429

Industrial & Commercial Machinery & Equipment 3599

Metal Household Furniture 2514

Plumbing Fixture Fitting & Trim 3432

Sheet Metal Work 3444

Special Dies & Tools 3544

Wire Springs 3495

Please see Manual pages for complete descriptions and exceptions.


On PennConnect:






n Commercial Property PennPac Plus Form #71 0682


n Crime Coverage (COP) Form #71 1102





n Equipment Breakdown Coverage (COP) Form #71 1275

n Products Recall Expense Coverage Form #71 0872


Features




n Comprehensive self-storage extended liability form for an additional premium, includes: • Customer’s Goods legal liability • Sale and Disposal liability





n �Contractors Inland Marine PennPac or PennPac Plus with unscheduled equipment replacement cost coverage, blanket loss payable on unscheduled equipment, limited riggers liability coverage and computer coverage




Employee Dishonesty $10,000

Lock replacement due to $ 1,000 lost or stolen keys


Money and securities $10,000 on-premises/$ 5,000 off-premises

Outdoor fences $10,000



We offer a comprehensive range of services and extended coverages to meet the self-storage industry’s unique needs.

Mini-Warehouses






Eligibility requirementsn Premises must have adequate security for both

customers’ goods and the personal safety of customers. The premises should be fenced and entrance controlled by a gate, attendant or other security system.

n An occupancy ratio of 80% or better is preferred

n Security personnel must be unarmed


n Inland Marine


n Umbrella



On PennConnect:


n Business Auto PennPac Plus Form #71 1281 Form #71 1296 – Virginia Only



n Businessowners Self-Storage Facilities PennPac Plus Form #71 1449



n Self-Storage Amendatory Endorsement Form #71 0135

n Self-Storage Extended Coverage Endorsement Form #71 0134



Features




n Professional liability automatically included


















We bring together our comprehensive businessowners policy with professional liability and other value-added coverages to give independently operated or franchised pharmacies the unique protection needed in today’s marketplace.

Pharmacies









n Umbrella



On PennConnect:









Features




n Printers errors & omissions liability, which includes correction of work coverage, can be added at a nominal charge.









Blanket additional insured Additional insured coverage for Managers or Lessors of Premises, Mortgagee, Assignee or Receiver, and Lessor of Leased Equipment











Seasonal increase 30% of BPP

We bring together our comprehensive businessowners policy with errors & omissions liability and other value-added coverages to give small printers the unique protection needed in today’s marketplace.

Printers









n Inland Marine


n Umbrella


On PennConnect:







n Printers Businessowners PennPac Plus Form #71 0779

n Printers Errors and Omissions Liability Form #71 1471


Features











Fine Arts $15,000




Outdoor Signs $ 5,000




Realtors have unique coverage needs. We’ve added valuable coverages to our businessowners policy that give you affordable, comprehensive property and liability protection.

Realtors










n Umbrella


On PennConnect:








Features

n Commercial Property PennPac® Plus at no additional charge



Consider adding these valuable coveragesn Business Income and Extra Expense at

actual loss sustained

n EPLI coverage with several limit and deductible options

n Commercial Auto PennPac Plus featuring replacement coverage for private passenger-type vehicles

n Commercial General Liability PennPac Plus featuring automatic additional insured, blanket waiver of subrogation and product withdrawal expense coverage





Back up of sewers and drains $10,000

Business Income & Extra Expense• Food contamination shutdown $50,000 • Utility services interruption $10,000 • Business income from $10,000

dependent properties

Only included if Business Income & Extra Expense is purchased.


Customer property on your premises $ 1,000 per guest/ $10,000 any one occurrence



• Expediting expenses $50,000 sublimit • Hazardous substances $50,000 sublimit • Spoilage $50,000 sublimit


Fine arts $15,000 at market value




Outdoor property $ 5,000

Signs $10,000

Seasonal Increase Additional 25% up to $100,000

Spoilage due to power outage $10,000

We provide comprehensive coverage to family style and fine dining restaurants to meet the unique protection needed in today’s marketplace.

Restaurants










n Liquor Liability

n Umbrella


On PennConnect:





n Commercial Property PennPac Plus for Restaurants Form #71 0858







Features








n Contractors Inland Marine PennPac or PennPac Plus bundles valuable coverages together


n Our affordable EPLI coverage with limit and deductible options



n Automatic additional insured – owners, contractors & subcontractors (completed operations)



Property





Liability



Mobile equipment redefined Includes self-propelled vehicles with a GVW GVW of 1,000 lbs. or less with permanently attached equipment primarily designed for snow removal, road maintenance (except





We write select roofing contractors that meet our preferred criteria and offer a comprehensive range of services and coverages to meet this industry’s unique needs.

Roofing Contractors




Preferred criterian In business for five or more years

n Work performed in headquartered state and outside coastal territory

n Manual general liability premium is greater than $5,000

n 15% or less in residential work receipts

n 10% or less in patch repair work receipts

n 10% or less in sub-work to others



General eligibility requirementsn $1,000 minimum per claim property damage

deductible on General Liability





On PennConnect:


















n Inland Marine

n Auto

n Property

n Umbrella


Features




n Veterinarian Professional liability (Available for an additional premium)

n Special coverage endorsement covers domestic animals owned by the insured’s clients and accepted by the insured for treatment or boarding (Available for an additional premium)

Consider adding these valuable coverages n Upgrading to Businessowners PennPac Plus







Blanket additional insured liability Additional insured coverage for managers or lessors of premises, mortgagee, assignee or receiver, and lessor of leased equipment

Employee Dishonesty, including ERISA $10,000








Ordinance or Law $50,000


Veterinarians have unique coverage needs. We’ve added valuable coverages to our businessowners policy that provide affordable, comprehensive property and liability protection for you and your clients’ most precious pets.

Veterinarians








Round your account with:n Commercial auto


n Veterinary Professional Liability

n Umbrella


On PennConnect:








n Veterinarian Animal Coverage Endorsement Form #71 0142


For both our COP and package policies:

Featuresn Equipment breakdown coverage

automatically included

Consider adding these valuable coveragesn Commercial Auto PennPac Plus will

ensure ongoing operations. Features replacement cost coverage for private passenger-type vehicles — not commonly found in commercial auto policies.

n Our affordable EPLI coverage with several limit and deductible options

n Products recall expense coverage

n General Liability PennPac Plus, featuring automatic additional insureds and product withdrawal expense coverage



Value-added coverages

Property

COP PennPac Plus

Accounts receivable $50,000 $ 50,000

Brands & labels $50,000* Included

Consequential loss $10,000 Up to policy limit

Fine arts $50,000 $ 25,000

Ordinance & law $50,000* $100,000

Property on exhibition $50,000* $ 50,000

Property in transit $50,000* $100,000

Sales rep samples $50,000* Included with property on exhibition

Newly acquired buildings • 90 days • 90 days • $500,000 per building • $1,000,000 per building • $250,000 business • $500,000 business personal property personal property

* limits can be increased for an additional premium

Liability



Newly formed or acquired 180 day coverage for newly acquired organizations organizations other than partnerships or joint ventures or limited

liability companies

Unintentional errors Coverage will not be denied due to unintentional and omissions errors or omissions information provided by the insured

For wholesalers, we offer property coverage program to build an insurance plan to best meet your business needs. For larger property risks, our commercial output policy (COP) features flexible custom coverage that combines property and inland marine under one policy. Under our standard package policy, our Property PennPac® Plus for Wholesalers adds valuable coverage and higher limits for the unique needs of this industry.

Wholesalers



Underwriting GuidelinesGeneral eligibility requirements




n In business for 3 or more years

Preferred criteria

Wholesalers whose operations do not include:

n Imports

n Relabeling

n Repackaging

n Leasing or renting operations

n Remanufacturing or alteration of product

n Used products

Hold harmless and/or vendors liability agreements in favor of the wholesaler are in place. Less than 35% of receipts from installation, repair or service operations.


On PennConnect:






n Commercial Property PennPac Plus Form #71 0737


n Crime Coverage (COP) Form #71 1102





n Equipment Breakdown Coverage (COP) Form #71 1275

n Products Recall Expense Coverage Form #71 0872


clPennPac® Series

Penn

Pac Series


PennPac® Series

Stand apart from the competition. Our enhanced Auto PennPacs provide you with the ability to differentiate your commercial auto coverage from the competition.

Replacement Cost: a rare option for commercial auto policyholdersSeven coverage extensions are bundled together in PennPac® Plus. We believe you will find the Replacement Cost Coverage for private passenger-type vehicles especially attractive. This option, not commonly found in commercial auto policies, eliminates potential disputes over depreciation at time of loss for new private passenger vehicles for up to five years from date of purchase. For a flat policy charge of only $175, your clients can upgrade their auto coverage to PennPac Plus.

Business Auto NJ, PA, MD, NC, SC, TN, AL

Continued on back

PennPac (71 0679) PennPac Plus (71 1281) (71 1523 SC)

Audio, Visual and Data Electronic Equipment Coverage

Included, subject to $250 deductible.

Blanket Additional Insured Automatic Additional Insured Coverage if agreed to in a written contract, agreement or permit, prior to loss. Not applicable to lessor-additional insured and loss payee. Use CA2001.

Blanket Waiver of Subrogation Waived when the insured has assumed liability under an insured contract

Bodily Injury Redefined Includes mental anguish and mental injury

Broad Form Named Insured • Includes organizations and subsidiaries of which insured has 50% or more financial interest • 180 day coverage for newly acquired organizations other than partnerships or joint ventures

Collision Deductible Waiver – Not At Fault Accident

The collision deductible will not apply to a total loss caused by collision with a covered “auto” and another “auto” when the owner or operator of the other “auto” is legally liable and the insured driver is not comparatively or contributorily negligent. The owner or operator of such other “auto” has to be identified, does not qualify as an insured under this policy and a police report details the accident and identifies the owner and operator of the other motor vehicle and insurance carrier.

Extended Airbag Coverage Automatic coverage for accidental discharge of an airbag.

Full Glass Coverage (Not applicable in SC. See Form CA 0150)

No deductible applies to “loss” to glass used in windshield, doors and windows of the covered “auto”, including glass used in sun roofs and moon roofs. Coverage applies only to those covered “autos” described or designated for Comprehensive Coverage in the declarations.

NJ, PA, MD, NC, SC, TN, AL

PennPac® Series Business Auto NJ, PA, MD, NC, SC, TN, AL


PennPac (71 0679) PennPac Plus (71 1281) (71 1523 SC)

Hired Auto Physical Damage Included for $50,000 limit if physical damage coverage applies to owned vehicles, subject to the following: • $500 deductible (except no deductible applies to loss by fire or lightning) • Extends to loss to a lessor because of loss of use if required by written contract,

up to $65 a day with $750 maximum

Hired Auto Coverage Provides worldwide coverage subject to the following: • Private passenger auto leased, hired, rented or borrowed without a driver for 60 days or less

Increased Supplementary Limits • Up to $3,000 for cost of bail bonds • Up to $300 a day for expenses incurred at company’s request including time off from work

Leased Auto Gap Coverage Covers the difference, if any, between Actual Cash Value and the remaining obligation under the lease, less any penalties or nonrefundable amounts, if no similar coverage is granted in the original lease

Loaned Auto Gap Coverage (applies to both PennPacs in VA)

Covers the difference, if any, between Actual Cash Value and the remaining obligation under the loan, less any penalties or nonrefundable amounts, if no similar coverage is granted in the original lease

Notice of Occurrence Required when occurrence is known to: • The insured, if the named insured is an individual • A partner, if the named insured is a partnership • A member, if the named insured is a limited liability company • An officer or insurance manager, if the named insured is a corporation

Personal Effects Owned by the Insured $400 in the event of a theft of the entire vehicle

Physical Damage — Transportation Expense

Increased to $60 per day with a maximum of $1800

Rental Reimbursement Up to $30 per day to a maximum of $650.

Replacement Cost Coverage Private passenger autos purchased new and not previously titled, five years from date of purchase.

Towing and Labor Automatic $75 plus the amount shown in the Declarations for PPT’s

Unintentional Errors and Omissions Coverage will not be denied due to unintentional errors or omissions in information provided by the insured



PennPac® Series Business Auto Virginia

Stand apart from the competition. Our enhanced Auto PennPacs provide you with the ability to differentiate your commercial auto coverage from the competition.

Replacement Cost: a rare option for commercial auto policyholdersFour coverage extensions are bundled together in PennPac® Plus. We believe you will find the Replacement Cost Coverage for private passenger-type vehicles especially attractive. This option, not commonly found in commercial auto policies, eliminates potential disputes over depreciation at time of loss for new private passenger vehicles for up to five years from date of purchase. For a flat policy charge of only $175, your clients can upgrade their auto coverage to PennPac Plus.

PennPac (71 1268) PennPac Plus (71 1296)

Audio, Visual and Data Electronic Equipment Coverage

Electronic equipment designed solely for receiving or that transmits audio, visual or data signals and is not designed solely for the reproduction of sound. The equipment must be permanently installed in the covered “auto” or the equipment can be removed from a housing unit which is permanently installed in the covered “auto” at the time of the “loss” and such equipment is designed to be solely operated by use of the power from the “auto’s” electrical system, in or upon the covered “auto.”

Blanket Waiver of Subrogation Waived when the insured has assumed liability under an insured contract

Collision Deductible Waiver – Not At Fault Accident

The collision deductible will not apply to a total loss caused by collision with a covered “auto” and another “auto” when the owner or operator of the other “auto” is legally liable and the insured driver is not comparatively or contributorily negligent. The owner or operator of such other “auto” has to be identified, does not qualify as an insured under this policy and a police report details the accident and identifies the owner and operator of the other motor vehicle and insurance carrier.

Extended Airbag Coverage Automatic coverage for accidental discharge of an airbag.

Full Glass Coverage No deductible applies to “loss” to glass used in windshield, doors and windows of the covered “auto”, including glass used in sun roofs and moon roofs. Coverage applies only to those covered “autos” described or designated for Comprehensive Coverage in the declarations.

Continued on back

PennPac® Series Business Auto Virginia




Hired Auto Coverage Provides worldwide coverage subject to the following: • Private passenger auto leased, hired, rented or borrowed without a driver for 60 days or less

Hired Auto Physical Damage Included for $50,000 limit if physical damage coverage applies to owned vehicles, subject to the following: • A deductible equal to the largest deductible applicable to any owned auto

(except no deductible applies to loss by fire or lightning)• Extends to loss to a lessor because of loss of use if required by written contract,

up to $65 a day with $750 maximum

Leased Auto Gap Coverage Covers the difference, if any, between Actual Cash Value and the remaining obligation under the lease, less any penalties or nonrefundable amounts

Loaned Auto Gap Coverage Covers the difference, if any, between Actual Cash Value and the remaining obligation under the loan, less any penalties or nonrefundable amounts

Personal Effects Owned by the Insured $400 in the event of a theft of the entire vehicle

Physical Damage — Transportation Expense

Increased to $60 per day with a maximum of $1800

Rental Reimbursement Lesser of the necessary and actual expenses incurred or up to $30 per day to a maximum of $650.

Replacement Cost Coverage Private passenger autos purchased new and not previously titled, five years from date of purchase.

Towing and Labor Automatic $75 plus the amount shown in the Declarations for PPT’s


PennPac® Series

PennPac (71 1026)

PennPac Plus (71 1027)

PennPac Deluxe (71 1459)

Property

Accounts Receivable $20,000 on-premises/ $15,000 off-premises

$30,000 on-premises/ $15,000 off-premises

Included in $100,000 blanket limit, subject to $15,000 off-premises

Appurtenant Buildings & Structures $5,000

Arson Reward $5,000

Back-Up of Sewers and Drains $10,000 $15,000 Included in $100,000 blanket limit

Brands and Label Coverage Included in Business Personal Property limit

Business Income 60 Days ordinary payroll limitation

No “days” limitation No “days” limitation

Business Income From Dependent Properties $5,000 included in BP0003 $10,000 $10,000


Equipment Breakdown* Follows Property Limits with Actual Loss Sustained on the Business Income

ERISA Included with Employee Dishonesty limit listed above.

Extension of Premises Perimeter 1,000 feet

Fine Arts $15,000 $20,000 Included in $100,000 blanket limit

Forgery and Alteration $10,000

Laptop Computer and Cell Phones $10,000 Included in $100,000 blanket limit

Lock Replacement $1,000

Loss Data Preparation Costs $2,500

Loss Payment Amended to no coinsurance

Money Orders and Counterfeit Money $5,000 $10,000 $10,000

Money and Securities$10,000 on-premises/ $5,000 off-premises



Penn National Insurance offers you extra value with your business insurance policy.Most insurance companies offer a businessowners policy that’s virtually interchangeable from insurance company to insurance company. A commodity. And you’re left to decide based just on price.

Extra protection, no extra chargeWe take the basic businessowners policy and add extra insurance protection in our PennPac.

The free extra coverage we give you adds up to more than $1 million in extra protection. At no extra charge to you. No hidden costs. No strings.

Get even more protection: Add PennPac Plus with higher coverage limits or PennPac Deluxe, with $100,000 blanket limit for seven coverages, for a flat charge of only $200.

Businessowners

Continued on back

PennPac® Series

PennPac (71 1026) PennPac Plus (71 1027) PennPac Deluxe (71 1459)

Property

Newly Acquired or Constructed Building $1,000,000/90 days

Newly Acquired Business Personal Property $500,000/90 days

Newly Acquired or Constructed Building – Business Income and Extra Expense

$250,000/90 days

Ordinance or Law $50,000

Outdoor Fences $10,000 $15,000 $15,000

Outdoor Property Other Than Fences $5,000/$1,000 per tree, shrub or plant

$10,000/$1,000 per tree, shrub or plant


Outdoor Signs $5,000 $10,000 $10,000

Personal Effects $5,000

Personal Property Off-Premises $15,000 $25,000 Included in $100,000 blanket limit

Business Personal Property of Others Provided on replacement cost basis for legal liability

Salespersons Samples $5,000

Seasonal Increase30% of Business Personal Property

35% of Business Personal Property


Valuable Papers and Records$20,000 on-premises/ $15,000 off-premises




Businessowners

LiabilityAmended Aggregate Limits of Insurance – All Other Injury or Damage, Including Medical Expenses

Applies on a per project/per location basis

Blanket Additional Insured Provides additional insured coverage for Managers or Lessors of Premises, Mortgagee, Assignee, or Receiver, and Lessor of Leased Equipment

Bodily Injury Redefined Includes mental anguish

Broad Form Named Insured Includes organizations and subsidiaries of which insured has 50% or more

financial interest, unless insured under another policy

Incidental Medical Malpractice Coverage is added for a Nurse, EMT or Paramedic if employed by the insured for

the purpose of providing professional health care services solely to your employees

Newly Formed or Acquired Organizations 180 day coverage for newly acquired organizations other than partnerships

or joint ventures or limited liability companies

Notice of Occurrence Required when occurrence is known to: • The insured, if the named insured is an individual • A partner, if the named insured is a partnership • An officer or insurance manager, if the named insured is a corporation • A member or manager, if the named insured is a limited liability company

Supplementary Payments Increased Limits Up to $2,000 for cost of Bail Bonds

Unintentional Errors and Omissions Coverage will not be denied due to unintentional errors or omissions

information provided by the insured

* Coverage provided by Equipment Breakdown Coverage 71 0880.



PennPac® Series Businessowners – Mini-Warehouse

PennPac (71 1026)

Self-Storage Facilities PennPac Plus (71 1449)


Property





Arson Reward $5,000





















We take the basic businessowners policy and add extra insurance protection in our PennPac Plus, designed with higher limits and additional coverages to meet the unique needs of the self-storage facilities industry for only $150.

Continued on back

PennPac® Series

PennPac (71 1026)

Self-Storage Facilities PennPac Plus (71 1449)


Property




$250,000/90 days

Ordinance or Law $50,000 $50,000 $50,000

Outdoor Fences, Gates and Cameras $10,000 included in building limits $15,000




Outdoor Signs $5,000 $5,000 $10,000

Personal Effects $5,000 $5,000 $5,000











Businessowners – Mini-Warehouse

Liability

Amended Aggregate Limits of Insurance – All Other Injury or Damage, Including Medical Expenses










Notice of Occurrence Required when occurrence is known to: • The insured, if the named insured is an individual • A partner, if the named insured is a partnership • An officer or insurance manager, if the named insured is a corporation • A member or manager if the named insured is a limited liability company







PennPac® Series Businessowners – Printers

PennPac (71 1026)

Printers PennPac Plus (71 0779)


Property

Accidental Marring & Scratching $15,000





Arson Reward $5,000






Consequential Damage $15,000
















We take the basic businessowners policy and add extra insurance protection in our PennPac Plus, designed with higher limits and additional coverages to meet the unique needs of the printing industry for only $200.

Continued on back

PennPac® Series

PennPac (71 1026)

Printers PennPac Plus (71 0779)


Property




$250,000/90 days

Ordinance or Law $50,000 $100,000 $50,000

Outdoor Fences $10,000 $15,000 $15,000




Outdoor Signs $5,000 $10,000 $10,000

Personal Effects $5,000 $10,000 $5,000











Businessowners – Printers

Liability

Amended Aggregate Limits of Insurance – All Other Injury or Damage, Including Medical Expenses










Notice of Occurrence Required when occurrence is known to: • The insured, if the named insured is an individual • A partner, if the named insured is a partnership • An officer or insurance manager, if the named insured is a corporation • A member or manager, if the named insured is a limited liability company







PennPac® Series


Blanket Additional Insured for Written Contract Provides additional insured coverage for Lessor of Leased Equipment, Grantor of Franchise, Managers or Lessor of Premises, Mortgagee, Assignee or Receiver and Vendors

Blanket Waiver of Subrogation Eliminates the need to specifically schedule the waiver for a person or organization when required by contract


Broad Form Named Insured Includes organizations and subsidiaries of which insured has 50% or more financial interest, unless insured under another policy

Consolidate Insurance (Wrap-up) Program – Limited Exclusion

Automatically excludes operations subject to a consolidated insurance (wrap-up) program with certain exceptions

Damage to Your Work Clarifies the insuring agreement to state that property damage to your work performed on your behalf by subcontractors that is within the products-

completed operation hazard and is unexpected or unintended by the insured shall be deemed to be an occurrence

Electronic Data Liability • $50,000 each occurrence, • $50,000 aggregate for property damage because of

all loss of electronic data that results from physical injury to tangible property or the Limit Of Insurance in the Declarations or Schedule, whichever is higher.

General Aggregate Amended to apply on a per project/per location basis

Incidental Medical Malpractice Coverage for nurse, EMT or paramedic, if employed by insured

Limited Product Withdrawal $10,000 limit per policy period for reimbursement of product withdrawal expenses or the Limit Of Insurance shown in the Declarations or Schedule, whichever is higher.

Our General Liability PennPac® endorsement provides broadened coverages at no extra charge. For added protection, consider our General Liability PennPac Plus — a great value for a flat fee of only $250.

General Liability

Continued on back

PennPac® Series




Mobile Equipment Redefined Includes self-propelled vehicles with a GVW of 1,000 lbs. or less with permanently attached equipment primarily designed for snow removal,

road maintenance (except construction or resurfacing) or street cleaning

Newly Formed or Acquired Organizations 180 day coverage for newly acquired organizations other than partnerships or joint ventures

Non-owned Watercraft Liability Amended to apply to watercraft less than 51 feet in length. Coverage does not apply if the watercraft is used to carry persons for a charge.

Notice of Occurrence Required when occurrence is known to: • The insured, if the named insured is an individual • A partner, if the named insured is a partnership • An officer or insurance manager, if the named insured is a corporation

Supplementary Payments Increased Limits Up to $2,000 for cost of bail bonds

Special Broad Form Property Damage Liability Exclusions j.(3), j.(4) and j.(5) do not apply to the first $1,000 of “property damage” as long as “occurrence” takes place away from premises you own, rent or control. This limit is in addition to the Special Broad Form Property Damage limit in 70 1909, if attached to the policy.

Unintentional Errors and Omissions Coverage will not be denied due to unintentional errors or omissions in information provided by the insured

Voluntary Broad Form Property Damage Liability • $1,000 each occurrence • $2,000 aggregate for the policy year is in

addition to the Limit of Voluntary Property Damage 70 1909, if attached to the policy.

General Liability


PennPac® Series


Inland Marine Contractors

Our contractors inland marine PennPacs offer valuable, affordable protection. For a $125 annual premium, you can add our basic PennPac.

Or upgrade to PennPac Plus featuring six valuable coverages for one low annual premium of $350.


Blanket Loss Payable Applicable to unscheduled contractors equipment

Cold Testing Coverage $30,000 after cold testing begins, must be completed within 30 days. Subject to $1,000 deductible.

Computer Coverage $20,000 – Hardware $ 5,000 – Software $10,000 – laptops and cell phones

Contractors Equipment – Unscheduled $10,000 $25,000

Contractors Equipment – Unscheduled: Business Income Coverage (72 hour waiting period)

$25,000

Contractors Equipment – Unscheduled: Replacement Cost

Unscheduled contractors equipment purchased new for up to 3 years from date of purchase

Debris Removal (reported within 180 days) $ 5,000 $5,000

Emergency Removal Up to 10 days Up to 10 days

Equipment Leased, Rented or Borrowed from Others $10,000 $25,000

Fraud and Deceit (Contractors’ Equipment) $10,000 $10,000

Installation Coverage $10,000 $25,000

Installation Coverage – Transit and Unscheduled Storage Locations

$ 2,500 $10,000

Limited Riggers Liability Coverage $25,000 for property accepted without charging rigging or service fee

Newly Purchased Equipment (Up to 60 days) $ 2,500 $ 5,000

Pollutant Cleanup (reported within 180 days) $10,000 $10,000

Recharge of Fire Extinguishing Equipment (Contractors’ Equipment)

$ 1,000 $ 1,000

Rental Reimbursement (72 hour waiting period) $ 5,000 $10,000

Reward for Recovery of Stolen Equipment (Contractors’ Equipment)

$ 1,000 $ 1,000

Small Tools (valued at $1,000 or less) – owned tools & employee tools

$ 5,000 $10,000

This summary is provided for information purposes only and does not constitute a part of the insurance policy. For details of terms and conditions of coverage, please consult the actual policy.


PennPac® Series


Inland Marine Contractors – Associated Builders and Contractors

Our contractors inland marine PennPacs offer valuable, affordable protection. For a $125 annual premium, you can add our basic PennPac.

Or upgrade to ABC PennPac Plus featuring valuable coverages with increased limits that meet the unique needs of the contracting industry for one low annual premium of $350.

For the ABC of Alabama, Virginia, and Maryland


Blanket Loss Payable Applicable to unscheduled contractors equipment

Cold Testing Coverage $30,000 after cold testing begins, must be completed within 30 days. Subject to $1,000 deductible.

Computer Coverage $20,000 – Hardware $ 5,000 – Software $10,000 – laptops and cell phones

Contractors Equipment – Unscheduled $10,000 $30,000

Contractors Equipment – Unscheduled: Business Income Coverage (72 hour waiting period)

$25,000

Contractors Equipment – Unscheduled: Replacement Cost

Unscheduled contractors equipment purchased new for up to 3 years from date of purchase

Debris Removal (reported within 180 days) $ 5,000 $ 5,000

Emergency Removal Up to 10 days Up to 10 days

Equipment Leased, Rented or Borrowed from Others $10,000 $30,000

Fraud and Deceit (Contractors’ Equipment) $10,000 $10,000

Installation Coverage $10,000 $30,000

Installation Coverage – Transit and Unscheduled Storage Locations

$ 2,500 $10,000

Limited Riggers Liability Coverage $25,000 for property accepted without charging rigging or service fee

Newly Purchased Equipment (Up to 60 days) $ 2,500 $ 7,500

Pollutant Cleanup (reported within 180 days) $10,000 $10,000

Recharge of Fire Extinguishing Equipment (Contractors’ Equipment)

$10,000 $10,000

Rental Reimbursement (72 hour waiting period) $ 5,000 $10,000

Reward for Recovery of Stolen Equipment (Contractors’ Equipment)

$ 1,000 $ 1,000

Small Tools (valued at $1,000 or less) – owned tools & employee tools

$ 5,000 $15,000

This summary is provided for information purposes only and does not constitute a part of the insurance policy. For details of terms and conditions of coverage, please consult the actual policy.


PennPac® Series Property

Our Property PennPac® automatically includes valuable protection for businesses including extra expense, ordinance or law, outdoor signs and back up of sewers and drains.

Great value at an affordable cost: Upgrade to our Commercial Property PennPac® Deluxe

Our PennPac Deluxe gives you maximum value at an affordable cost, with six coverages included in $100,000 blanket limit. Commercial Property PennPac Deluxe can be added for a flat charge of only $200.

Coverages PennPac (71 0218) PennPac Deluxe (71 1502)

Accounts Receivable $25,000 Included in $100,000 blanket limit

Arson Reward $ 5,000

Back Up of Sewers and Drains $10,000 Included in $100,000 blanket limit

Busi ness Income & Extra Expense

• Extended Business Interruption

(does not apply to CP0050)

• Newly Acquired Location

• Utility Services Interruption

• Business Income from Dependent Properties (does not apply to CP0050)

Included only if CP0030, CP0032 and/or CP0050 are attached to policy.

60 days

90 days/$250,000 limit

$10,000

$10,000

Computer Equipment Disturbance $15,000

Described Premises Distance Extension 1,000 feet

Employee Theft* $10,000

Equi pment Breakdown**

• Expediting Expenses

• Spoilage

• Hazardous Substances

Follows Property Limits unless otherwise shown in the schedule

$50,000

$50,000

$50,000

Extra Expense $25,000

Continued on back

PennPac® Series Property



** Coverage provided by Crime Coverage Endorsement 71 1101. Limits may be increased for an additional premium.

** Coverage provided by Equipment Breakdown Coverage 71 1252 0106 unless the insured opts out.

Coverages PennPac (71 0218) PennPac Deluxe (71 1502)

Fine Arts $15,000 at market value Included in $100,000 blanket limit at market value

Fire Department Service Charge $ 2,500

Fire Protection Device Recharge $ 5,000

Forgery or Alteration* $10,000

Lock Replacement $ 1,000

Loss Data Preparation Costs $ 2,500

Money & Securities* $10,000 In / $5,000 Out

Newly Acquired Building $1,000,000

Newly Acquired Personal Property $500,000

Ordinance or Law $50,000 $100,000

Outdoor Property $5,000; max $1,000 any one tree, shrub or plant

Outdoor Signs $10,000

Personal Effects and Property of Others $25,000 Included in $100,000 blanket limit

Pollutant Cleanup and Removal $15,000

Property in Transit $25,000 $50,000

Property Off-Premises $25,000 Included in $100,000 blanket limt

Utility Services – Direct Damage $10,000

Valuable Papers and Records $25,000 Included in $100,000 blanket limit


PennPac® Series

We’ve tailored our property PennPac Plus coverage to provide the hospitality business owners with the protection they need at an affordable cost. For an additional charge of only $150, they receive comprehensive protection featuring: customer inconvenience remuneration expense, guests’ evacuation expense, alternative key systems and reservation systems coverages.

Property: Hospitality

Coverages PennPac (71 0218) PennPac Plus (71 1448)

Accounts Receivable $25,000

Alternative Key Systems Included in Business Personal Property limit


Back Up of Sewers and Drains $10,000

Busi ness Income & Extra Expense*

• Extended Business Interuption**

• Newly acquired locations

• Food Contamination Shutdown**


• Business income from Dependent Properties**

• Reservation system

*if CP0030, CP0032, or CP0050 are attached. **Does not apply to CP0050.

90 days

90 days / $250,000 limit

$ 50,000

$ 10,000

$ 10,000

$100,000


Customer Inconvenience Remuneration Expense $500 per person / $50,000 limit




• Expediting expenses

• Spoilage

• Hazardous substances


$50,000

$50,000

$50,000


Fine Arts $15,000 at market value

Continued on back

PennPac® Series Property: Hospitality



Fire Protection Device Recharge $ 5,000 $5,000 – Cooking Protection Equipment Systems

$5,000 – Other than Cooking Protection Equipment Systems


Guests’ Evacuation Expense $25,000

Guests’ Property $ 1,000 per guest / $25,000 limit





Newly Acquired Personal Property $ 500,000

Ordinance or Law $ 50,000

Outdoor Property $5,000 max / $1,000 any one tree, shrub or plant


Personal Effects and Property of Others $25,000

Property in Transit $25,000

Property Off-Premises $25,000

Seasonal Increase in Business Personal Property Limit 25% of BPP limit; $100,000 max

Spoilage due to Power Outage $10,000

Valuable Papers and Records $25,000


**Coverage provided by Crime Coverage Endorsement 71 1101. Limits may be increased for an additional premium.

**Coverage provided by Equipment Breakdown Coverage 71 1252 0106 unless the insured opts out.



PennPac® Series

Great value at an affordable cost: Upgrade to our commercial property PennPac® Plus

As you’re looking for premium growth opportunities, don’t forget about our PennPac Plus enhancements for select markets that give your client maximum value at an affordable cost, with minimal effort for you. Equipment Breakdown coverage — not normally offered under Property coverage — is automatically included offering comprehensive coverage for your client’s most valuable and vital assets.

Commercial Property PennPac Plus for printers risks can be added for a flat charge of only $250. Some limits may be increased for an additional premium.

Property: Printers

Continued on back

Coverages Pac (71 0218) Pac Plus (71 0780)

Accounts Receivable $25,000 $50,000

Accidental Marring & Scratching of Plates $25,000


Back Up of Sewers and Drains $10,000 $25,000

Brands & Labels Included


• Extended Business Interruption (does not apply to CP0050)

• Newly acquired location


• Business income from Dependent Properties


90 days


$10,000

$50,000


Consequential Damage Up to Business Personal Property Limit


Employee Theft $10,000** $20,000*

Equi pment Breakdown***


• Spoilage



$50,000

$50,000

$50,000


PennPac® Series Property: Printers




Fine Arts $15,000 at market value $25,000 at market value



Forgery or Alteration** $10,000

Foundations of Machines and Underground Pipes 10% of building limit, up to $50,000



Money & Securities** $10,000 In / $5,000 Out






Personal Effects and Property of Others $25,000 $50,000



Property Off-Premises $25,000 $50,000 includes property with salespersons or at exhibitions

Seasonal Increase in Business Personal Property Limit 25% of BPP limit/$100,000 max


Valuable Papers and Records $25,000 $50,000 – Includes negatives, positives, artwork, separations, plates, dies, molds, models, forms, manuscripts, patterns, and similar property, both owned by the inured and property of other in the insured’s care, custody or control

***Coverage provided by PennPac Plus Endorsement 71 0780 and Crime Coverage Endorsement 71 1101.

***Coverage provided by Crime Coverage Endorsement 71 1101. Limits may be increased for an additional premium.

***Coverage provided by Equipment Breakdown Coverage 71 1252 0106 unless the insured opts out.


PennPac® Series



Commercial Property Pac Plus for manufacturers and industrial risks can be added for a flat charge of only $250. Some limits may be increased for an additional premium.

Property: Manufacturers & Industrial



Arson Reward $5,000









90 days


$10,000

$50,000




Employee Theft $10,000** $20,000*



• Spoilage



$50,000

$50,000

$50,000

Continued on back

PennPac® Series Property: Manufacturers & Industrial









Marring & Scratching $25,000







Patterns, Molds and Dies – Theft Limit $100,000; includes patterns, molds and dies of others in the insured’s care, custody or control

Personal Effects and Property of Others $25,000 $50,000


Precious alloys or metals used in the manufacture of the insured’s product

Increased limit for theft to $25,000




Valuable Papers and Records $25,000 $50,000







PennPac® Series



There is no additional premium charge to add Commercial Property PennPac Plus for restaurants.

Property: Restaurants


Accounts Receivable $25,000


Back Up of Sewers and Drains $10,000


• Food Contamination Shutdown



Included only if Business Income & Extra Expense is purchased.

$50,000

$10,000

$10,000


Customer’s Property $1,000 per guest/$10,000 max any one occurrence





• Spoilage



$50,000

$50,000

$50,000


Fine Arts $15,000 at market value

Continued on back

PennPac® Series Property: Restaurants



Fire Protection Device Recharge $ 5,000 $5,000 – Cooking Protection Equipment Systems

$5,000 – Other than Cooking Protection Equipment Systems







Ordinance or Law $ 50,000



Personal Effects and Property of Others $25,000

Property in Transit $25,000

Property Off-Premises $25,000

Seasonal Increase in Business Personal Property Limit 25% of BPP limit; $100,000 max

Spoilage due to Power Outage $10,000

Valuable Papers and Records $25,000


**Coverage provided by Crime Coverage Endorsement 71 1101. Limits may be increased for an additional premium.

**Coverage provided by Equipment Breakdown Coverage 71 1252 0106 unless the insured opts out.



PennPac® Series



Commercial Property PennPac Plus for wholesalers risks can be added for a flat charge of only $250. Some limits may be increased for an additional premium.

Property: Wholesalers












90 days


$10,000

$50,000




Employee Theft $10,000** $20,000*



• Spoilage



$50,000

$50,000

$50,000


Continued on back

PennPac® Series Property: Wholesalers














Personal Effects and Property of Others $25,000 $ 50,000

Pollutant Cleanup and Removal $ 15,000




Valuable Papers and Records $25,000 $50,000







PennPac® Series

Coverages PennPac (71 0749)

Stop Gap Liability Extends Employers Liability to apply to the monopolistic state of Ohio

Enhanced Other States Insurance The basic policy provides that if the insured has work in any other state on the effective date of the policy, coverage is not afforded unless the insured notifies us within 30 days; we have

extended this period to 60 days.

Amended “Transfer of Your Rights and Duties” The basic policy provides that in the event of the insured’s death, we will cover the insured’s legal representatives as an insured, providing we are notified of the death

within 30 days; we have extended this period to 60 days.

Unintentional Errors and Omissions Coverage will not be denied due to unintentional errors or omissions in information provided by the insured.

Workers’ Compensation




clAdditional Coverages

Ad

ditio

nal C

overages

Customize this sheet with your agency name and contact information. Go to Access Sales Support on PennConnect.

For larger risks, our commercial output program (COP) features flexible custom coverage that combines property and inland marine under one coverage — reducing the potential for coverage gaps.

Features

n Buildings including:• Building glass

• Awnings, canopies and fences within 1,000 feet

• Signs attached and detached

• Radio & television towers and antennas, satellite dishes & masts within 1,000 feet

• Lead-in wiring and guy wires within 1,000 feet

n Business Personal Property within 1,000 feet• Patterns, molds and dies — theft limit

included under Business Personal Property

n Optional scheduled location coverage

n Income coverage on earnings, rents, and extra expenseOptions:

• Increased restoration period — ordinance or law

• Income coverage from dependent locations

• Period of loss extension

• Payroll options

• Utility interruptions

n Equipment breakdown coverage automatically included.


Supplemental Property Limits

Arson reward $ 5,000

Brand or labels expense $ 50,000*

Consequential loss $ 10,000

Building foundations, pilings $250,000 or & underground pipes 10% of policy limit

Inventory & appraisals expenses $ 50,000*

Newly acquired buildings $500,000

Ordinance or law $ 50,000*

Personal effects $ 10,000

Personal property – acquired locations $250,000

Trees, shrubs & plants $ 50,000*

Supplemental Marine

Accounts receivable $ 50,000

Fine arts $ 50,000

Property in transit $ 50,000*

Property on exhibition $ 50,000*

Sales representative samples $ 50,000*

Valuable papers and records – cost of research $ 50,000

Additional Coverages

Debris removal 25% plus $5,000

Emergency removal 10 days

Fire department service charges $ 5,000

Pollutant cleanup and removal $ 25,000

Recharge of fire protection equipment $ 10,000

Property Coverage Commercial Output




*Limits can be increased for an additional premium.


Coverage is triggered by:

n Property damage to your product

n Property damage to your work

n Property damage to impaired property

Limits of Insurance

Built in: Additional limits:

$25,000 $50,000, $100,000, $300,000, $500,000 and $1 million

Deductible

Built in: Additional options:

$1,000 $2,500, $5,000 and $10,000

Premium

Limits of Insurance: Minimum Premium:

$300,000 or less $200

$500,000 $500

$1,000,000 $1,000

For a very affordable cost, you can close the gap in coverage against claims against contracting work.

A value-added, affordable endorsement that extends coverage not commonly provided by your Commercial General Liability. Coverage protects contractors from a claim made for damages they are legally obligated to pay as a result of a negligent act, error or omission, or defect in materials or in a product sold or installed.

A wallpaper contractor is contracted to re-wallpaper all of the rooms in a hotel during a renovation project. Due to the use of an inadequate adhesive, the wallpaper begins to peel throughout the hotel after completion of the project. The Contractor’s Errors and Omissions endorsement would pay the cost to re-wallpaper the entire hotel up to the Contractor’s Errors and Omissions limit.

An electrical contractor installs a new electrical panel in a factory. Faulty installation causes the panel to catch fire and the factory is destroyed two weeks after completion of the work. The electrical contractor’s general liability policy would pay for the factory damage, with the exception of the electrical panel, which would be excluded. With the purchase of the Contractor’s Errors and Omissions endorsement, the cost to reinstall the panel would also be covered.

If the factory had not caught on fire, but the electrical service was disrupted due to the faulty installation of the electrical panel, the Contractor’s Errors and Omissions endorsement would still pay for the cost to repair or replace the panel.

An HVAC contractor converts a residential property from electrical baseboard heat to a new duct-based system. After installation, the new system fails to satisfactorily heat the residence. If it is concluded that the ducts are improperly installed, the Contractor’s Errors and Omissions endorsement would pay for the cost of remedying the defective duct installation.

A plumber is hired to install lines running to a new sink in an addition to a residential property. After installation, it is determined that the improper soldering of pipe permitted a leak which damaged the flooring. The general liability policy would pay for the resultant damage to the flooring, but would exclude damage to the faulty plumbing work. The Contractor’s Errors and Omissions endorsement would also pay for the cost of the corrections to the plumbing system.

The examples are for illustrative purposes only and are not a statement of coverage provided by the endorsement. All claims are evaluated pursuant to the terms and conditions of the endorsement. This summary may not be relied upon as a statement of coverage and Penn National Insurance makes no representation regarding the scope, applicability or existence of coverage for any of the scenarios set forth herein.

Contractor’s Errors & OmissionsExamples of how Contractor’s E&O provides added protection



General Liability

�• Air Conditioning Systems, or Equipment – Dealers or Distributors and Installation, Servicing or Repair – 91111

�• Appliances and Accessories Installation, Servicing or Repair – household – 91155

�• Carpentry – Interior – 91341

�• Carpet, Rug, Furniture or Upholstery Cleaning – on customer premises – 91405

�• Ceiling and Wall Installation – metal – 91436

�• Communication Equipment Installation – Industrial or Commercial – 91551

�• Electrical Apparatus – installation, service or repair – 92451

�• Electrical Work – within buildings – 92478

�• Fence Erection Contractors – 94276

�• Floor Covering Installation – not ceramic, tile, stone – 94569

�• Heating or Combined Heating and Air Conditioning Systems or Equipment – dealers or distributors and installation, servicing or repair – no liquefied petroleum gas (LPG) equipment sales or work – 95647

�• House Furnishings Installation – 96053

�• Locksmiths – 14913

�• Masonry – 97447

�• Painting – exterior – buildings or structures (3 stories or less in height) – 98304

�• Painting – interior – buildings or structures – 98305

�• Paperhanging – 98344

�• Plumbing – commercial and industrial – 98482

�• Plumbing – residential or domestic – 98483

�• Refrigeration Systems or Equipment – dealers and distributors and installation, servicing or repair – commercial – 98636

�• Septic Tank Systems – cleaning – 98805

�• Septic Tank Systems – installation, servicing or repair – 98806

�• Sheet Metal Work – outside – 98884

�• Sign Painting or Lettering – inside of buildings – 99003

�• Sign Painting or Lettering – on buildings or structures – 99004

�• Siding Installation – 98967

�• Television or Radio Receiving Set Installation or Repair – 99650

�• Telephone, Telegraph or Cable Television Line Construction – 99613

�• Tile, Stone, Marble, Mosaic or Terrazzo Work (interior construction) – 99746

�• Water Softening Equipment – installation, servicing or repair – 99948

Artisan Contractors

• Carpentry – Interior (finished carpentry only; trim, moldings, cabinets, etc.) – 19903

�• Carpet Installation – 19904

�• Carpet, Rug, Upholstery Cleaning – on customer premises – 19905

�• Ceiling and Wall Installation – metal, tile or acoustical (no asbestos abatement) – 19906

�• Conduit Construction for Cable or Wires (in conjunction with building construction, remodeling or repair) – 19907

��• Electrical Apparatus Installation, Service or Repair (no alarm installation, service or repair) – 19910

�• Electrical Contractors (no power line construction, no alarm installation, service or repair) – 19901

�• Fence Erection Contractors – 19911

�• Floor Covering installation, Other than Carpet (tile, linoleum, stone or ceramic) – 19912

�• Heating &/or Air Conditioning Equipment & Duct Work – Electric (installation, service or repair) – 19913

�• Heating &/or Air Conditioning Equipment & Duct Work, Other than Electric (installation, service or repair. No liquid petroleum gas [LPG], propane connections, wood stove installation, service or repair nor chimney construction or sweeping) – 19914

�• Masonry Work (3 stories or less. No industrial chimney, chimney or boiler linings, no swimming pool construction work) – 19921

�• Painting, residential and light commercial, interior and exterior (3 stories or less) – 19916

��• Paperhanging – 19917

�• Plumbing, residential, domestic, or light commercial, apartments, office or mercantile (no industrial or utility work, no sprinkler installation, service or repair) – 19918

�• Tile, stone, marble, mosaic or terrazzo work (interior only) – 19919

Eligible Classes



In today’s world, all businesses are at risk for a crisis incident. Our Crisis Response Coverage is affordable, extra protection that addresses additional expenses and business interruption generated by a crisis incident. The coverage can be added to any Penn National Insurance BOP policy or property policy that includes time element coverage.

The coverage responds to covered crisis incidents, such as: n Violent acts

n Contaminated food

n Premises contamination

Coverage Features� n Crisis Incident Business Income and Extra Expense pays for the

actual loss of income (including extended business income) and extra expense for up to 60 consecutive days following a Covered Crisis Incident. Extra expense includes Crisis Incident Communication Expense.

� n Crisis Incident Counseling Expense pays for group counseling services following a covered crisis incident for up to 60 days.

� n Flat premium charge applies based on occupancy and limits selected.

Crisis Response Limits (Business Income and Extra Expense/Counseling Expense)

Standard limits: $25,000/$10,000

Optional limits: $50,000/$10,000

$100,000/$25,000

$250,000/$25,000

Key Definitions

Violent Act

• Child abduction or kidnapping

• Stalking of employees or customers

• Sexual assault

• Criminal use of a firearm or device designed to cause harm or damage

• An act committed with malicious intent at a covered location against any persons that results in physical injury or death to such persons.

• Attempted or threatened actions with malicious intent to be committed at a covered location against any persons that is likely to result in physical injury or death to such persons.

Contaminated Food

The necessary announcement or closure of your covered location ordered by a board of health or any other governmental authority as a result of the discovery or belief that contaminated food or drink has been served to patrons there.

Premises Contamination

Necessary closure of your covered location due to any sudden, accidental and unintentional contamination or impairment, which results in clear, identifiable symptoms of bodily injury, illness or death. This includes locations contaminated by communicable disease or Legionnaires’ disease, but does not include contamination by other pollutants or fungi.

Crisis Incident Communication Expense

• Reasonable and necessary expenses for the services of a public relations firm or other crisis communication firm to guide, advise or assist you in internal and external crisis communications

• Reasonable and necessary expenses incurred by your own communications department beyond those of its normal communications activities for you to guide, advise or assist you in internal and external crisis communications

An Equal Employment Opportunity/ Affirmative Action Employer

©2015 Penn National Insurance Form #92-167 10.2014

Crisis Response Endorsement



Introducing a new proactive, comprehensive data breach protection and remediation that includes both first- and third-party coverages.

Penn National Insurance has partnered with IDT911 to provide proactive, comprehensive data breach protection and remediation services that help defend businesses from inadvertent data exposures and identity theft. Since 2005, IDT911 has provided comprehensive data breach and identity management services to help protect identities and enhance reputations.

Coveragesn First-Party Privacy Breach Expense

n Third-Party Cyber Liability Coverage

n Regulatory Proceeding Claim Expense

n Optional First-Party Business Interruption

Standard Limits Optional Limits*

First-Party Cyber Liability $50,000 $100,000 $250,000

Third-Party Cyber Liability $100,000 $200,000 $500,000

Aggregate $100,000 $200,000 $500,000

Optional Business Interruption* $25,000 $50,000 $100,000

*Subject to underwriting approval

This new Cyber Security Coverage replaces our current data breach coverage and will be available for policies effective Nov. 1, 2015.

Services provided by IDT911Proactive Breach Preparation Services: risk analysis tools, best practices and breach preparation templates to help protect data and identities. Resources include:

n Incident response and information security plan templates

n Educational resources on risk awareness and reduction

n Notification of laws and regulations

n Access to security specialists who answer your questions

Breach Response Services: a single point of contact that coordinates all response efforts, to include:

n Breach Counseling: helps determine if a breach has occurred and assesses its severity.

n Crisis Management: professional services that help insureds handle a breach.

n Notification Assistance: notification letter preparation and mailing.

n Remediation Services: provides recommendations on services to assist impacted individuals.

n Media Relations Assistance: public relations assistance to help restore reputation.

n Legal Support: documents remediation steps provided and completed.

Roll-on endorsement

Cyber Security Coverage will be rolled on all eligible BOP and GL policies with liability class premiums less than $10,000 for a modest premium of $241. Policyholders have the ability to opt out.

Submit for underwriting approval and pricing

n Policies with liability class premiums greater than $10,000

n Policies otherwise ineligible for roll-on

n Business interruption coverage

n Policies with ineligible classes (see reverse side for ineligible class list)

n Application required for all underwriting submissions


©2015 Penn National Insurance Form #92-168 3.2015

Cyber Security Coverage

BOP (18)

63641 Accounting Services: CPAs - Condominium - Office

63631a Accounting Services: CPAs - Office

63621 Accounting Services: Except CPAs - Condominium - Office

63611a Accounting Services: Except CPAs - Office

63671a Bookkeeping Services: Office

63681 Bookkeeping Services: Condominium - Office

63771 Employment Agencies: Condominium - Office

63761a Employment Agencies: Office

63861 Insurance Agents: Condominium - Office

63851a Insurance Agents: Office

63931 Lawyers: Condominium - Office

63921a Lawyers: Office

63991 Medical Offices: Condominium - Office

63981a Medical Offices: Office

64021 Payroll Accounting Services: Condominium - Office

64011a Payroll Accounting Services: Office

64071 Real Estate Agents: Condominium - Office

64061a Real Estate Agents: Office

GL (65)

40005 Adult Day Care: Not-For-Profit only

40006 Adult Day Care: Other than Not-For-Profit

10120 Bathhouses or Bathing Pavilions

40102 Blood Banks: Not-For-Profit only

40101 Blood Banks: Other than Not-For-Profit

41001 Boy or Girl Scout Councils

61223 Buildings or Premises: bank and other financial institutions

43152 Computer Data Processing: time sharing

43151 Computer Data Processing: operations

46112 Diagnostic Testing Laboratories

43200 Employment Agencies

44100 Governmental Subdivision: not state or federal - Municipalities - Population 2,500 and under

44101 Governmental Subdivision: not state or federal - Municipalities - Population 2,501 - 10,000





44106 Governmental Subdivision: not state or federal - Municipalities - Population over 250,000

44108 Governmental Subdivision: not state or federal - Counties or Parishes Population 10,000 and under

44109 Governmental Subdivision: not state or federal - Counties or Parishes Population 10,001 - 25,000




44113 Governmental Subdivision: not state or federal - Counties or Parishes Population over 250,000

44428 Health Care Facilities: alcohol and drug - Not-For-Profit only

44427 Health Care Facilities: alcohol and drug - Other than Not-For-Profit

44440 Health Care Facilities: clinics, dispensaries or infirmaries treating outpatients only - no regular bed and board facilities - Not-For-Profit only

44439 Health Care Facilities: clinics, dispensaries or infirmaries treating outpatients only - no regular bed and board facilities - Other than Not-For-Profit

44430 Health Care Facilities: convalescent or nursing homes - not mental - psychopathic institutions - Not-For-Profit only

44429 Health Care Facilities: convalescent or nursing homes - not mental - psychopathic institutions - Other than Not-For-Profit

44432 Health Care Facilities: homes for the aged - Not-For-Profit only

44431 Health Care Facilities: homes for the aged - Other than Not-For-Profit

44434 Health Care Facilities: homes for the physically handicapped or orphaned - Not-For-Profit only

44433 Health Care Facilities: homes for the physically handicapped or orphaned - Other than Not-For-Profit

44436 Health Care Facilities: hospitals Not-For-Profit only

44435 Health Care Facilities: hospitals Other than Not-For-Profit

44438 Health Care Facilities: mental - psychopathic institutions - Not-For-Profit only

44437 Health Care Facilities: mental - psychopathic institutions - Other than Not-For-Profit

44500 Home Health Care Services: Not-For-Profit only

44501 Home Health Care Services: Other than Not-For-Profit

64500 Housing Projects: federal, state, local

45334 Insurance Agents

47600 Internet Access Providers

47610 Internet Service Providers

65007 Labor Union Offices

66123 Lawyers Offices: Not-For-Profit only

66122 Lawyers Offices: Other than Not-For-Profit

66561 Medical Offices

98090 Motion Pictures: development of negatives, printing and all subsequent operations

98091 Motion Pictures: film distribution or exchanges - not located at motion picture studios

98092 Motion Pictures: production - studios or outside - all operations prior to the development of negatives

46700 Penal Institutions

46822 Political Campaign Headquarters or Offices

98598 Radio or TV Broadcasting Stations: Not-For-Profit only

98597 Radio or TV Broadcasting Stations: Other than Not-For-Profit

47050 Real Estate Agents

47468 Schools: correspondence

47469 Schools: faculty liability for corporal punishment of students

47476 Schools: private - elementary, kindergarten or junior high - Not-For-Profit only

47475 Schools: private - elementary, kindergarten or junior high - Other than Not-For-Profit

47471 Schools: public - elementary, kindergarten or junior high

47478 Schools: private - high - Not-For-Profit only

47477 Schools: private - high - Other than Not-For-Profit

47473 Schools: public - high

47474 Schools: trade or vocational




The following classes are ineligible for roll-on:


Many business owners believe they will never face employee lawsuits. A business would not think of failing to buy fire insurance. But a company is roughly three times more likely to have an employment practice claim than a fire.

We offer business protection from claims by workers who feel their legal rights as employees were violated.

FeaturesOur EPLI coverage protects against the following:

n Wrongful failure to promote

n Wrongful demotion or termination

n Harassment

n Discrimination

n Humiliation

n Slander

Plus, the coverage contains no exclusions for retaliatory acts, downsizing, or intentional acts.

Limits & Deductiblesn Limits of $100,000, $250,000,

$500,000 or $1 million

n Deductible option of $2,500 available for $100,000 limit

n Deductible options of $5,000, $10,000, $15,000, $20,000 or $25,000

Myths about EPLI coverage

Employment laws only apply to large employers. Many states have employment statues that lower the employee threshold to as low as one employee for some laws.

We treat our employees like family. Even the happiest families have disputes from time to time, and even end up in court. In a partial database of EPLI verdicts and settlements, nearly 1,000 claims involved businesses with fewer than 15 employees.

I’m covered under business liability and umbrella coverage. Most General Liability and Umbrella forms specifically exclude employment practices. EPLI policies handle the unique employment practice exposure.

We’ve never had an employment problem. One in six American workers feel victimized by job discrimination. Would you consider a fire so unlikely as to go without coverage? Yet, the number of employment claims exceeds that of commercial fires by a margin of three to one.

I can’t afford it. A typical company with five or fewer employees will find $100,000 in protection costs about $400 and $1 million in protection costs about $1,000.

EPLIEmployment-related Practices Liability Insurance




Preferred criteria:n In business at least three years

n Stable workforce

n Adequate risk management practices: (employment application, at-will statement, equal employment opportunity statement, written anti-harassment or discrimination policy, internal complaint and disciplinary procedure, and employee handbook)

Requirements:n Coverage is available as an endorsement to both BOP and

General Liability policies.

n An application must be submitted with all requests for coverage, and coverage is subject to eligibility requirements.

Ineligible classes:

• Accounting firms with > 25 employees

• Automobile dealers

• Employment agencies

• Franchise store owners with > 5 locations

• Governmental services

• Hospitals (other than veterinary hospitals),

• Law firms

• Medical offices with > 10 employees

• Medical or nursing facilities

• Municipalities

• Public schools

• Universities and colleges



On PennConnect:

n EPLI BOP endorsement Form #71 1351

n EPLI GL endorsement Form #71 1374

n EPLI application Form #71 1392

n Mini-EPLI application Form #71 1393

n Renewal EPLI application Form #71 1394



Employment Practices Risk Management

Through this consultation service, you will be connected with experts who provide proactive and practical information and strategies for preventing and managing workplace risk. Hotline consultations are:

Accessible—You have easy access to a risk management consultant through a toll-free number: 800.259.5589. All consultants are attorneys — full-time employees of Jackson Lewis. Be sure to identify yourself as a policyholder of Penn National Insurance.

Convenient—Consultations are available Monday through Friday, from 9 a.m. to 6 p.m., Central Time.

Informational—The hotline provides an excellent opportunity to obtain general information about a broad range of subjects, including:

n Find out what the Equal Employment Opportunity Commission and courts generally consider to be harassment.

n Inquire about appropriate steps to take when investigating reports of harassment, including suggestions for witness interviews.

n Get an overview of your company’s rights with respect to the types of actions it could consider when an individual fails or refuses to perform his or her job duties.

n Determine whether the FMLA or state leave laws apply to your company, and how they generally should be administered.

Jackson Lewis also provides other valuable preventive services to you such as an educational web site and regular risk management publications that provide our insureds with the most current information available. You can also sign up to receive e-mails as developments occur. Access their web site at www.jacksonlewis.com.

Jackson Lewis is one of the nation’s largest and most respected employment law firms, providing representation to management in the defense of harassment, discrimination, wrongful discharge and other workplace-related claims. As a valued client of Penn National Insurance, you receive unlimited usage of their Employment Practices Risk Management Hotline.

Offered by Jackson Lewis

Risk management services are provided at no additional charge.

Penn National Insurance makes no representations about the effectiveness of the Hotline. We have no involvement in the consultation and are not affiliated with Jackson Lewis, LLP. We are merely providing the service as a courtesy to policyholders. The information available on the Hotline is not intended to replace advice from your own attorney, and you should continue to consult your own local attorney regarding specific employment practice matters or the law in your specific jurisdiction.

© 2008 Jackson Lewis



©2015 Penn National Insurance

Form #92-91 (01.2015)

http://www.jacksonlewis.com



clEase of Doing Business

Ease of Doing Business

Quick Reference

Who to contact

Call your customer service specialist (CSS) for:n Inquiry about issuance/status of documents for

policies, endorsements and cancellations

n Clarification on a processed transaction

n Missing information or forms, late items, errors

n Just about any other commercial service-related item

n WebRating assistance

Call your commercial lines service coordinator for:n Quality feedback form submission

n Service issues, late items

Call your commercial lines underwriter for:n Underwriting questions and approval for new and renewal

business

n Quote assistance for larger accounts

n Coverage questions

n Risk management assistance & loss control requests

Call your commercial lines territory manager for:n New products, programs and services

n Agency production discussions

n Agency compensation & profit-sharing questions or agency contract clarification

n Agency training on PennConnect® and PennPlus

E-mail new business submissions & endorsement requests to:n [email protected]

n Please include the policy number with your endorsement request

First point of contact for all of your premium audit questions, including disputes:n General questions or requests regarding

the processing of any premium audit: E-mail your questions and requests to

[email protected]

Do not copy your Underwriter.

If you need to talk to someone immediately, call the toll-free audit number:

1-866-764-2838 (1-866-PNI-AUDT)

n Disputed Audits: For reporting an insured’s dispute over a completed audit, e-mail your dispute, including all relevant details, to

[email protected]

Do not copy Underwriting or Accounting. Note: Do not send Audit inquiries/disputes to [email protected] and do not send hard copies (regular mail) to Penn National Insurance.

Ease of Doing

Business

An Equal Employment Opportunity/Affirmative Action Employer


Automation SupportAgency Interface Support 800-388-4764 x6873

Image Operation 717-255-3525

[email protected]

Fax: 717-221-6065

CL PennPlus Support Line 1-800-766-2245, option 6

Claims

Direct reporting of claims 800-766-2245

Direct reporting of workers’ comp claims 800-374-4990

Harrisburg Claims Office 800-942-9715

National Glass Claims Hotline 800-330-3038

New Jersey Claims Office 800-523-0583

North Carolina Claims Office 800-877-7366

Pittsburgh Claims Office 800-788-4764

Tennessee/Alabama Claims Office 800-395-0518

Customer Contact Center 800-766-2245

• Billing inquiries

• Claims reporting & inquiries

• Phone payments for Direct Bill

• Policy management

• Web site support for PennConnect and OIC

On PennConnect

• Policy forms & rating worksheets

• Billing information

• Loss run reports

• Claims information and history

• Forms, manuals & exception pages

• Commercial Building Cost Estimator

• EPLI rate indication worksheet

• Loss control & safety information

• Sales & marketing materials

• Commercial lines news

• Agency reports

Online Insurance Center (OIC)

24/7 online access to:


• Electronic payments from checking accounts

• Account information management

Surety & Fidelity

Phone: 717-234-4941

Commercial Surety & Fidelity Bond requests: 800-388-4764 E-mail: [email protected]

Fax: 866-784-9256

Send all requests, new or changes to your existing powers to:

E-mail: [email protected]

Agency Bill

Agency Bill payments for Electronic Funds Transfer (EFT) program, should be sent to:

By mail: Penn National Insurance P.O. Box 1847 Harrisburg PA 17105-1847

By phone: Automated Touch-Tone: 866-221-8322 Live Operator/Attendant: 800-510-6592

Direct Bill

To submit payments to the home office:

Penn National Insurance P.O. Box 2257 Harrisburg, PA 17105-2257

To submit payments to the lockbox:

P.O. Box 13746 Philadelphia, PA 19101-3746

Loss Control

Serving your clients’ safety needs

By developing a working partnership with our agents and insureds, we build a team based on mutual safety goals and continuous communication. And we can design safety services geared toward any company’s individual needs and loss experience.

We’ll help develop training and incentive programs, evaluate existing procedures and even investigate accidents.

A wealth of information

We have a wealth of safety and loss control prevention information at your disposal that can be accessed 24/7 and used by you or your insured to encourage safety and prevention practices. You can find loss control information on PennConnect, under the Commercial Lines Tab.

Your clients can also access through the Online Insurance Center.

Quick ReferenceEase of Doing

Business

It’s all at your fingertips, when you register your account online.

Mobile WebWe offer convenient, secure 24/7 mobile-ready online services, including:

n Make your payments securely, check your balance and view payment history.

n Save time and money by signing up for automatic payment withdrawal.

n Report an auto or property claim.

n Update your account.

n Sign up for paperless billing.

Safety & EducationPlus, you have a wealth of safety information at your fingertips with our new Safety & Education portal. The new portal provides convenient, easy-to-navigate loss control and safety education.

What you will find:

n Articles, tips and checklists on safety and loss control best practices to protect your business.

n PennPoints newsletter archives.

n On-site energy efficiency recommendations, plus easy-to-use calculators to help customers objectively analyze their options, make informed recommendations and decisions, and create concrete plans to achieve measurable energy and cost savings.

n Safety videos, PowerPoint presentations and handouts that you can download for training, free of charge.

Sign up for Weather Alerts Be prepared to protect your property from severe weather. Enroll to receive weather alerts by text or email. Enrollment takes about 90 seconds, and is free. A variety of types of weather alerts to suit weather hazards in your area are available.

Enjoy all these convenient services when you register your online account. Register or log in today at www.pennnationalinsurance.com

Want even more on-the-go convenience?

Download our Mobile AppOur app allows you to:

n Make payments

n Report a claim

n Manage your account

n Find a repair shop

n Find a towing service

n View property damage checklist

n View and contact your agent

n View policy information and invoice


Online Convenience. On-the-Go Service.

An Equal Employment Opportunity/Affirmative Action Employer©2014 Penn National Insurance Form 92-163



[email protected]

Fax: 717-221-6065

Claims















On PennConnect











• Agency reports

• WebRating – online quoting to application submission






Surety & Fidelity

Commercial Bonds 800.388.4764 x2164

Contract Surety Bonds 800.388.4764 x6870

All Commercial Surety & Fidelity Bond requests: [email protected]

Rapid Response 800.388.4764 x2254

Contract bonds up to $350,000 single project or aggregate



[email protected]

Agency Bill


By mail: Penn National InsuranceP.O. Box 1847 Harrisburg PA 17105-1847


Direct Bill





Loss Control






For more information, contact your territory manager or loss control consultant.

Quick Referencecl Ease of Doing

Business

Quick ReferenceclWho to contact

Call your customer service specialist (CSS) for:n Inquiry about issuance/status of documents for

policies, endorsements and cancellations

n Clarification on a processed transaction

n Missing information or forms, late items, errors

n Just about any other commercial service-related item

n WebRating assistance

Call your commercial lines service coordinator for:n Quality feedback form submission

n Service issues, late items

Call your commercial lines underwriter for:n Underwriting questions and approval for new and renewal

business

n Quote assistance for larger accounts

n Coverage questions

n Risk management assistance & loss control requests

Call your commercial lines territory manager for:n New products, programs and services

n Agency production discussions

n Agency compensation & profit-sharing questions or agency contract clarification

n Agency training on PennConnect®, WebRating, & CL Bridging

E-mail new business submissions & endorsement requests to:n [email protected]

n Please include the policy number with your endorsement request

First point of contact for all of your premium audit questions, including disputes:n General questions or requests regarding

the processing of any premium audit: E-mail your questions and requests to

[email protected]

Do not copy your Underwriter.

If you need to talk to someone immediately, call the toll-free audit number:

1-866-764-2838 (1-866-PNI-AUDT)

n Disputed Audits:For reporting an insured’s dispute over a completed audit, e-mail your dispute, including all relevant details, to

[email protected]

Do not copy Underwriting or Accounting. Note: Do not send Audit inquiries/disputes to [email protected] and do not send hard copies (regular mail) to Penn National Insurance.

Ease of Doing

Business

An Equal Employment Opportunity/Affirmative Action Employer



[email protected]

Fax: 717-221-6065

Claims















On PennConnect











• Agency reports

• WebRating – online quoting to application submission






Surety & Fidelity

Commercial Bonds 800.388.4764 x2164

Contract Surety Bonds 800.388.4764 x6870

All Commercial Surety & Fidelity Bond requests: [email protected]

Rapid Response 800.388.4764 x2254

Contract bonds up to $350,000 single project or aggregate



[email protected]

Agency Bill


By mail: Penn National InsuranceP.O. Box 1847 Harrisburg PA 17105-1847


Direct Bill





Loss Control






For more information, contact your territory manager or loss control consultant.

Quick Referencecl Ease of Doing

Business

It’s all at your fingertips, when you register your account online.

Mobile WebWe offer convenient, secure 24/7 mobile-ready online services, including:

n Make your payments securely, check your balance and view payment history.

n Save time and money by signing up for automatic payment withdrawal.

n Report an auto or property claim.

n Update your account.

n Sign up for paperless billing.

Safety & EducationPlus, you have a wealth of safety information at your fingertips with our new Safety & Education portal. The new portal provides convenient, easy-to-navigate loss control and safety education.

What you will find:

n Articles, tips and checklists on safety and loss control best practices to protect your business.

n PennPoints newsletter archives.

n On-site energy efficiency recommendations, plus easy-to-use calculators to help customers objectively analyze their options, make informed recommendations and decisions, and create concrete plans to achieve measurable energy and cost savings.

n Safety videos, PowerPoint presentations and handouts that you can download for training, free of charge.

Sign up for Weather Alerts Be prepared to protect your property from severe weather. Enroll to receive weather alerts by text or email. Enrollment takes about 90 seconds, and is free. A variety of types of weather alerts to suit weather hazards in your area are available.

Enjoy all these convenient services when you register your online account. Register or log in today at www.pennnationalinsurance.com

Want even more on-the-go convenience?

Download our Mobile AppOur app allows you to:

n Make payments

n Report a claim

n Manage your account

n Find a repair shop

n Find a towing service

n View property damage checklist

n View and contact your agent

n View policy information and invoice


Online Convenience. On-the-Go Service.

An Equal Employment Opportunity/Affirmative Action Employer©2014 Penn National Insurance Form 92-163

commercial lines product portfolio - penn national … builders and contractors n property n...

Documents