Our All-In-One Non Profit Package product provides Non Profit Organizations the opportunity to purchase General Liability, Property, and Directors & Officers and Employment Practices Liability including Special Events/Liquor Liability coverage all through One application, One underwriter, and One policy!

ELIGIBLE CLASSES (BUT NOT LIMITED TO):

_ Chambers of Commerce

_ Foundations

_ Trade Associations

_ Counseling & Referral Services

_ Business Associations

_ Art/Culture Associations

_ Charitable Associations

Available on an admitted basis in most states.

DIRECTORS & OFFICERS LIABILITY/

EMPLOYMENT PRACTICES FEATURES:

_ Separate limits of liability

_ Defense Costs outside the limit

_ Unlimited Extended Reporting Period for former Directors & Officers

BUSINESSOWNERS PACKAGE FEATURES:

_ Property coverage on Special form

_ Building and Contents available

_ General Liability on an Occurrence form

_ Automatic coverage provided for Volunteers

SPECIAL EVENTS FEATURES:

_ Policy automatically includes up to three events with up to 100 attendees at no charge

_ Ability to include Liquor Liability in most states

_ Ability to consider events with up to 1,000 attendees

PROFESSIONAL LIABILITY AND ABUSE & MOLESTATION

FEATURES:

_ Separate Limits of Liability

_ Provided on an Occurrence form

ADDITIONAL ADVANTAGES:

_ Quick quote turnaround

_ Quick binder confirmation

_ A.M. Best rated A++ carrier

This ALL-IN-ONE package product provides office based non profit organizations the opportunity to purchase, Directors &

Officers/Employment Practices Liability, Businessowners and Special Events/Liquor Liability coverage all through one policy!

The HIT ZONE – Our highest quote and bind ratio

Up to 1,000 members and $3,000,000 in annual revenues

Property limits up to $500,000 in non-coastal areas, up to

$250,000 in coastal areas

No losses, claims or circumstances in the last five years

Special Events with attendees up to 500 and three days

in duration

No liquor citations/violations in the past five years

The following organizations:

Chambers of Commerce Trade Associations

Business Associations Charitable Organizations

Art/Cultural Organizations

Foundations (Private, Family or Community)

SNPP-HZ 7/07

ELIGIBLE RISKS – Includes all of the above characteristics except where amended below

_ Up to two claims in the past five years (excluding closed without payment)

_ Special Events with attendees up to 1,000 and three days in duration

PRODUCT ADVANTAGES

_ DIRECTORS AND OFFICERS

• Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims (Note: EPL is an

optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

• Full prior acts coverage

• Unlimited Defense outside the limits

• Unlimited extended reporting period for former directors and officers

• Third party sexual harassment and third party discrimination coverage

• Punitive Damages, where insurable by law, included automatically

• Optional fiduciary liability coverage

_ BUSINESSOWNERS POLICY

• General Liability on an Occurrence form

• Property on Special Form

• Special Events for first three events with less than 100 attendees is included within base premium

• Automatic coverage for volunteers

• Admitted product available in most states

• Hired and Nonowned Auto Liability coverage available

_ A.M. Best rated A++ carrier

The HIT ZONE – Our highest quote and bind ratio

Up to 1,000 members and $3,000,000 in annual revenues

Property limits up to $500,000 in non-coastal areas, up to $250,000 in coastal areas

No losses, claims or circumstances in the last five years

Special Events with attendees up to 500 and three days in duration

No liquor citations/violations in the past five years

The following organizations:

Chambers of Commerce Trade Associations

Business Associations Charitable Organizations

Art/Cultural Organizations

Foundations (Private, Family or Community)

INELIGIBLE

_ DIRECTORS AND OFFICERS

• Risks that sponsor or administer any insurance programs

• Risks involved in any labor/union negotiations or collective bargaining

• Risks located in AK or LA

_ BUSINESSOWNERS POLICY

• Risks with over 1,000 members or $3,000,000 in annual revenues

• Risks with aluminum or knob & tube wiring

• Risks not having 100% of the wiring connected to functional circuit breakers

• Risks without functional smoke or heat detectors

• Risks located in AK, HI and LA

• Special Events located in AL, AK, IA, LA, MS, OR, RI and WV (IA, OR & RI are prohibited for liquor only)

• The following organizations:

Head Start/School Food Banks Museums

Assisted Living center/Nursing home Goodwill/Salvation Army Humane Society or Boys & Girls

AVAILABLE LIMITS

_ DIRECTORS AND OFFICERS

• Up to $5,000,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O,

but not on a monoline basis and may not exceed the D&O limit.)

_ BUSINESSOWNERS POLICY

• General Liability $1,000,000 occurrence/$2,000,000 aggregate

• Property Coverage

• Up to $500,000 non-coastal and Protection Class 1-6

• Up to $200,000 in Protection Class 7-10

• Up to $250,000 coastal areas (subject to Company coastal guidelines)

_ SPECIAL EVENTS/LIQUOR LIABILITY

• General Liability Policy Limits

SUBMISSION REQUIREMENTS

_ Specialty Non Profit Package Application (SNPP) along with the Special Events/Liquor Liability Addendum

(NPP ADD SPE)

_ Representation of incurred loss/claim history for the past five years