Special Events

U.S. Insurance Services specializes in the growing Special Event Industry. We understand how to provide a flexible and comprehensive insurance program for risks across the United States. We offer a wide range of eligible classes and acceptable exposures. From weddings to amateur sporting events we can tailor insurance to fit your needs. Liquor Liability and Participants coverage is also available. Coverage Features General Liability Comprehensive General Liability – Limits to $1,000,000 each occurrence / $3,000,0000 Premises Liability Personal Injury Liability Abuse and Molestation Coverage Options Liquor Liability Coverage available Excess Liability Limits up to $15,000,000 Automobile Non-Owned Automobile Exposures Hired Automobiles Documents Required for Proposal Completed Special Events application Completed ACORD applications Currently valued loss runs for current year plus last three terms on larger events. Call 1-800-874-1738 x201 10 reasons to choose U.S. Insurance Services Admitted paper with an A+ Rating from A.M. Best Wide range of eligible classes Excellent turnaround time. With a complete submission 24 hours turnaround on small events Umbrella limits available up to $15,000,000 Liquor Legal Liability available Where warranted, ability to add Inland Marine, Hired Car and Non-Owned Auto to the General Liability Participant coverage available for select accounts Dedicated underwriting staff solely responsible for Special Events business. Available in all states except Louisiana. Flexible and comprehensive insurance

Schools: Private, Academic & Vocational

U.S. Insurance Services’ School Package is insurance uniquely designed to fulfill a wide variety of special insurance needs for Vocational, Charter, Private K-12 and Higher Education Schools. Enrollment must be 5,000 students or less. Each policy is custom tailored to address each insured’s unique exposure. Customize your policy by choosing from various limits of Comprehensive General Liability up to limits of $3,000,000 in the aggregate. Some of the other coverage features include: Benefits of the Program Special causes of loss on building, contents, loss of income and extra expense Educators Professional Liability available Business Income Changes – Educational Institutions (Tuition Reimbursement) Abuse and Molestation and Corporal Punishment coverage is available Blanket limits with large in-house capacity Coverage for special events, including fundraising events Educator’s professional liability available Corporal punishment Sexual abuse coverage up to $1,000,000 Vandalism reward reimbursement Coverage for fleets including passenger buses Theft, disappearance, and destruction inside/outside premises Employee dishonesty coverage Identity Theft/ Image Restoration Liability Comprehensive General Liability – Limits to $3,000,000 Premises Liability Personal Injury Liability Employee Benefits Liability Coverage for special events including fund raising events Educators Professional Liability (Occurrence Form) Sexual Abuse coverage available Corporal Punishment Umbrella – Limits up to $10,000,000 Property Blanket limits with large in house capacity All risk on building, contents, loss of income and extra expense Coverage for property of students Loss of Income and Extra Expense coverage Vandalism Reward Reimbursement Replacement Cost Endorsement Business Income Changes – Educational Institutions (tuition reimbursement) Property Enhancement Form Automobile Owned Automobiles Hired / Non-Owned automobile exposures Liability and Physical Damage Rental Reimbursement Coverage for fleets including 60+ passenger buses Crime and Fidelity Employee Dishonesty Forgery Theft, disappearance and destruction – inside / outside of premises Call 1-800-874-1738 x201 10 reasons to choose U.S. Insurance Services A+ “Superior” rating by A.M. Best Company Loss control services available to assist with minimizing the potential for future losses Claims departments experienced in handling school related claims Interest Free installments are available Abuse & Molestation and Corporal Punishment Coverage is available Educators Professional Coverage is available Coverage for fund raising activities and special events Special Causes of Loss Property Form with built in Flexibility to meet all the client’s needs Business Interruption with Tuition Reimbursement Coverage for auto fleet, including school buses

Hunting Leases

U.S. Insurance Services program is geared toward the outdoor activities of hunting and fishing, specifically where a guide is involved. An activity where a professional guide accompanies the client enhances the pleasure, knowledge and safety of all the participants. Some of our coverage features also available are noted below: Coverage Features Liability Comprehensive General Liability – Limits up to $3,000,000 Premises Liability includes coverage for hunting and fishing tours, bow hunting and wing shooting preserves Coverage available for fishing boats under 25 feet Special coverage available for cross-country skiing, snowmobile and bike tours This liability coverage protects outfitters, guides and clubs from claims brought by guests and others Special Events Coverage for activities such as fishing contests, bow and hunting classes (This feature also extends to trade shows and other outdoor activities) Protection and Indemnity coverage available for on water liability exposures Property Blanket Limits with large in-house capacity All Risk on Building, Contents, Loss of Income and Extra Expense Agreed Value Endorsement available with property appraisal Inland Marine coverage floater developed for equipment such as cameras, radios, electronics, rods, reels, guns, boats and other property (Also includes property of others) Automobile Includes protection for both business and personal vehicles so long as vehicles are registered in company name Coverage for hired and non-owned vehicles available Directors’ and Officers’ Liability Addresses membership discrimination allegations for hunting and fishing clubs Acceptable Risks Guided hunting, fishing, hiking, and photography Guided cross country skiing Guided snowmobile tours Guided bike tours (on road only) Private Hunting Clubs Private Fishing Clubs Hunting preserves – wing shooting and bow hunting only Documents Required for Proposal Completed and signed Guides and Outfitters application and risk survey Completed ACORD applications Brochures and/or web site Waiver of Liability Evidence of proper licenses “No loss” letter signed and dated by the insured for accounts below $10,000 in annual premium Call 1-800-874-1738 x201 10 reasons to choose U.S. Insurance Services A+ rating by A.M. Best Company Premises Liability includes coverage for hunting / fishing tours, bow hunting and wing shooting preserves Claims adjusters dedicated to the G&O industry Ability to write property coverage All watercraft vessels less than 26 feet and up to 25HP are included for liability Medical payments included for $1,000 Guided river or rafting tours acceptable in Class I or Class II rivers Ability to write private hunt lease clubs Fishing hatcheries are an acceptable niche Local field underwriting for superior service

Hotels

U.S. Insurance Services Hotel Program is insurance uniquely designed to fulfill a wide variety of special insurance needs for the Hotel Industry. Each policy is custom tailored to address each insured’s unique exposure. Customize your policy by choosing from various limits of comprehensive General Liability up to limits of $3,000,000 in aggregate. Some of the other coverage features include Crime, Boiler and all property coverages under one policy Coverage is included for guest personal property , foundations, underground pipes, flues, drains, retaining walls that are not part of the building, bridges, roadways, walkways, patios and other paved surfaces Owned automobiles including airport shuttle vehicles Liquor Liability Liability Comprehensive general liability – Limits to $1,000,000 each occurrence/$3,000,000 aggregate Premises liability Personal injury liability Employee benefits liability Liquor liability coverage available Umbrella limits – up to $10,000,000 Aggregate per location limits available Automobile Owned automobiles including airport shuttle vehicles Non-owned automobile exposures Hired automobiles Crime and Fidelity Money and securities Money orders and counterfeit paper currency Employee dishonesty Property One of the broadest coverage property forms in the market Blanket limits with large in-house capacity Able to combine crime, boiler and all property coverages under one policy Automatic coverages, including, but not limited to: arson reward; contract penalty clause; excavation and landscaping; fire, sprinkler or burglar alarm upgrade; new construction; accounts receivable Documents Required for Proposal Completed ACORD applications Completed supplemental hotel application Currently valued loss runs for current year plus last three terms For locations over 20 years old, we require detailed update information for plumbing, electrical, heating, and roofing Copy of most recent franchise inspection (if available) Call 1-800-874-1738 x201 10 reasons to choose U.S. Insurance Services Hotel Program A+ Rated Company One of the broadest property enhancement forms in the industry. This includes but is not limited to: property off premises, fire department service charge, food spoilage, valuable papers, account receivables, debris removal, sewer and drain back-up and ordinance of law. Blanket limits with agreed value (no co-insurance) available Garage Keepers Liability available Liquor Liability available in most states Underwriting and claim department personnel who specialize in the hotel business Automobile coverage available for hotel passenger vans Multi-state capability with exception of Louisiana Loss control services available Interest free monthly installments

Hospice

U.S. Insurance Services specializes in the Hospice Industry. Our Hospice Package is insurance uniquely designed to fulfill a wide range of special insurance needs for the Hospice sector. Each policy is custom tailored to address each insured’s unique exposures. We offer separate limits for General Liability, Professional Liability and Abuse & Molestation (if eligible). In addition, we offer a separate Director’s & Officers Liability policy. Coverage Features Liability Comprehensive General Liability - Limits to $3,000,000 Employee Benefits Liability Employees as Additional Insured’s Professional Liability available on an Occurrence or Claims Made Form Umbrella Limits – up to $15,000,000 Abuse & Molestation coverage options for eligible risks Medical Payments with $15,000 limit Excess Liability Umbrella - Limits up to $15,000,000 Property Blanket limits with large in-house capacity Special causes of loss on building, contents, loss of income and extra expense Crime, equipment breakdown, inland marine and all property coverage’s under one policy Agreed Amount Endorsement available with property appraisal No separate form needed for computer property, this is included under the personal property limit Automobile Owned automobile exposures Non-owned automobile exposures Volunteers and Insureds coverage available Hired physical damage exposures Rental Reimbursement for private passenger vehicles Web-based Auto ID Card issuance Online Defensive Driving Workshop Crime Employee Theft with limits up to $25,000 Theft, Disappearance and destruction of client property Coverage for defense costs for any alleged breach of contract agreements, except breach of employment contract claims - $25,000 Professional Liability Separate coverage part so no erosion of General Liability aggregate limit Occurrence or Claims-Made Forms Available Provides vicarious coverage for subcontracted physicians Documents Required for Proposal PIC Supplemental Hospice Application Complete ACORD Applications Copy of current facility license Currently valued loss runs for the current year plus last three terms Brochure, advertising materials, and website Call 1-800-874-1738 x201 10 reasons to choose U.S. Insurance Services A+ “Superior” rating by A.M. Best Company Written on admitted paper Interest free monthly installments are available Property, Crime, Inland Marine, General Liability, Professional Liability and Umbrella Liability all with one carrier Sexual abuse & molestation coverage available Claims made or occurrence options Vicarious Liability for sub-contracted professionals GL Deluxe Endorsement available Property Elite Form available Umbrella limits available up to $15,000,000

Homeowners Associations and PUD

U.S. Insurance Services offers a comprehensive property and liability policy that addresses the unique coverage requirements of single family homeowner associations. In addition to providing many limit options, this program can be tailored to meet the requirements of lending institutions as well as regulatory authorities. Coverage Features Liability Comprehensive General Liability – Limits to $3,000,000 Coverage for golf courses available Property management companies named as additional insured on crime coverage Landscape coverage including vandalism Coverage for fund raising events Club members named as additional insureds Employee Benefits Liability Umbrella Coverage – Limits up to $10,000,000 Property Blanket limits Pollutant clean up and removal — $25,000 Fire department service charge — $25,000 Newly acquired property — 90 days Personal effects — $5,000/$25,000 Property of others — $10,000 Valuable papers — $50,000 Outdoor property/debris removal — $25,000 Emergency vacating expense — $15,000 Identity theft expense — $2,500 Terrorist travel reimbursement — $1,000 Kidnap/ransom — $50,000 Key individual replacement expense — $50,000 Accounts receivable — $25,000 Business income and extra expense (including contingent) — $100,000 EDP equipment — $50,000 Fire extinguisher recharge — $1,000 Reward reimbursement — $5,000 Inventory and appraisals of loss — $1,000 Spoilage — $25,000 Fine arts — $25,000 Backup of sewers/flood damage- $25,000 Property in transit — $50,000 Off-premises power failure — $25,000 Earthquake sprinkler leakage — $10,000 Documents Required for Proposal Completed and signed company application Current financial statement or budget Plot plan of the community Photo of any added exposure (playground, pool, etc.) Loss run s or statement of losses on the community’s letterhead Call 1-800-874-1738 x201 Directors & Officers Liability Program U.S. Insurance Services Community Association Directors & Officers Liability insurance is uniquely designed to meet the needs of condominium & homeowner associations with less than 250 units or 1,000 lots. The policy is enhanced by the Community Association Pro-Pak endorsement (PI-DO-100). Coverage Highlights Broad definition of individual insured includes director, officer, trustee, volunteer and committee member Defense costs for non-monetary relief claims Defense costs for breach of contract Coverage can be scheduled to include an outside property manager Defense costs for failure to seek legal action against developer Optional duty to defend provision, affords insured’s participation in selection of counsel Defense costs for failure to collect or assess dues Defense costs for American with Disabilities Act claims Modified insured vs. insured exclusion for unit owners Bell Endorsement – provides coverage for indentify theft expenses, terrorism travel reimbursement, emergency real estate consultation, temporary meeting space expenses, workplace violence counseling, theft of work materials, kidnap ransom expenses, key individual replacement and crisis management expenses. Underwriting Criteria Available in all states except CA, FL, TX Condominium / Homeowner Association D & O Liability Application or current version of competitor application Supplemental claim form if applicable Purchase of Condo / HOA Package Policy Average unit value of $500,000 or less No builder or developer on the board 100% residential occupancy No employees 10 reasons to choose U.S. Insurance Services Crime/employee dishonesty that provides additional insurance to the property management company Coverage for golf course and homeowners association available under the same package policy Backup of sewers — $25,000 Loss control services available Direct bill interest-free installments Coverage for pools, playgrounds, lakes, and trails Underwriters who understand the homeowner association’s operations Volunteer workers covered while performing duties for the association Coverage for special events A+ Rated Company

Health, Fitness and Wellness

U.S. Insurance Services believes that fitness is a key ingredient to wellness and a healthy life. We practice fitness in our lifestyle and specialize in this growing industry. We understand how to provide broad form fitness center and gym insurance coverages for health clubs, fitness, pilates and dance studios along with day spas across the country. Each policy can be custom tailored by choosing comprehensive general liability limits up to $1,000,000 per occurrence/$3,000,000 General Aggregate/$3,000,000 Products Aggregate, Professional Liability, Employee Benefits, Liability, and much more. Coverage Features Liability Premises liability Personal injury liability Employee benefits liability Liquor Liability Professional liability Umbrella limits – up to $15,000,000 Property Blanket limits with large in-house capacity All risk on buildings, contents, loss of incomes, and extra expense Elite Property Enhancement Automobile Owned Automobiles Non-Owned automobile exposures Hired automobile exposures Crime Employee Dishonesty Forgery or alteration Theft, disappearance and destruction – inside / outside of premises Acceptable Classes of Business Health Clubs whose revenues are primarily driven by memberships that include: Health Racquetball Basketball Tennis Squash Health Clubs that have been in business for more than three years, or less than three years with solid management and good financials Acceptable Exposures include: Swimming Pools (as an incidental exposure) Tennis Courts (Property coverage not available for Tennis Bubbles) Basketball Courts Batting Cages Showers/Saunas/Whirlpools/Steam Rooms Personal Trainers/Aerobics instructors/Physical Therapists Massage Therapists Tanning Beds (bulbs must be at least 90% UVA) Documents Required for Proposal The following items must be submitted before we can determine acceptability of risk in this program: Completed signed and dated Health and Fitness Club Application Completed ACORD applications Picture of facility Copy of medical disclosure Copy of waiver language Advertising brochures (if available) Insured’s website Currently valued insurance company loss runs for the current policy period and three prior years Call 1-800-874-1738 x201 Day Spas The Day Spa Product is insurance uniquely designed to fulfill a wide range of special insurance needs for the Day Spa sector. Each policy is custom tailored to address each insured’s unique exposures. Coverage Features Liability Comprehensive General Liability - Limits to $1,000,000 each occurrence/$3,000,00 aggregate Employee Benefits Liability Professional Liability available on an Occurrence or Claims Made basis. Umbrella Limits – up to $15,000,000 Property Special causes of loss on building, contents, loss of income and extra expense Agreed Amount Endorsement available with property appraisal Elite Property Enhancement provides Personal Property of Others, Valuable Papers and Records, Accounts Receivable, Automatic External Defibrillators, of Premises Power Failure and much more. Automobile Owned Automobiles Non-Owned automobile exposures Hired automobile exposures Crime Employee theft Theft, Disappearance and destruction of client property Documents Required for Proposal Completed signed and dated Day Spa Supplemental Application Completed ACORD Application Website address Currently valued insurance company loss runs for the current policy period and three prior years 10 reasons to choose U.S. Insurance Services Coverage available for both employed and sub contracted professionals including lifeguards racquet sports instructors, nurses, dieticians, physical therapists and aerobics and fitness instructors. Business income / extra expense – limit of $100,000 included Interest free monthly payments Liability coverage for child care EDP equipment limit of $50,000 included Risk management package included with every policy Professional liability coverage available Automatic external defibrillators – limit of $5,000 included Coverage for tanning liability available A+ rated company providing excellent security

Employment Practices Stand Alone

U.S. Insurance Services provides Stand Alone Employment Practices Liability Coverage. This insurance is a comprehensive employment liability solution available to companies with up to 4,000 employees. Broadened coverage is provided by the Business Advantage Pro-Pak Elite or Corporate Advantage Pro-Pak Elite programs. Coverage Features Flexible limit options available starting at $500,000 and up to $15,000,000 17 point definition of Employment Practice Act which includes: retaliation, wrongful discipline, constructive discharge and more Broad definition of Individual Insured that includes leased employees Automatic Third Party Liability Loss control assistance Independent Contractors Coverage available Triple annual aggregate retention cap Available sublimit for defense of wage & hour claims Broad definition of Claim includes: arbitration, regulatory and administrative proceedings, EEOC & DOL investigations and requests to toll the statute of limitations Modified hammer clause with a retention reduction incentive for the insured’s acceptance of the first settlement offer Punitive, multiple and exemplary damages coverage on a most favorable venue basis Optional duty to defend coverage on a per-claim basis Defenses costs paid in addition to the limit of liability, for eligible insured’s Defense Costs for non-monetary relief Debtor in possession included as an insured Worldwide coverage territory and valuation clause Employment loss control services available Bi-lateral discovery (tail) for one, two and three year terms Submission Requirements Completed application Latest annual CPA prepared financial statement (if the number of employees is greater than 250) Supplemental claim form, if applicable Call 1-800-874-1738 x201 Claims Scenarios $540,000 - An age discrimination lawsuit was brought by a highly paid 62 year old sales representative who was employed by the Insured. He was terminated for not meeting his sales quotas. Despite layoffs and cutbacks at the company, there was no documentation that showed the Plaintiff was a poor performer. $345,000 - A claim was brought by a former employee for religious discrimination. She alleged the hiring practices of the Insured were unlawful because they stated they would only hire Christian workers. Once it was learned that the plaintiff was not a Christian, she was passed up for a promotion. $117,000 - An employee went out on medical leave for treatment of an illness. When he was ready to return to work the Insured told him his position had been filled by someone else and his job was no longer available. He filed suit for lost wages, emotional distress, and violation of disability discrimination statutes. What is EPLI? Employment Practice Liability Insurance (EPLI) protects the company, directors & officers and employees from claims resulting from but not limited to: Wrongful dismissal, discharge or termination of employment Violation of employment discrimination laws (including harassment) Breach of a written or oral employment contract or implied employment contract Sexual or workplace harassment of any kind Wrongful demotion Negligent employee evaluation Pro Pak Eligibility Business Advantage Pro-Pak Elite for companies with total assets less than $50,000,000 and less than 250 employees. Corporate Advantage Pro-Pak Elite is available for companies with total assets less than $50,000,000 10 Reasons Why you should use the Employment Practices Retentions as low as $2,500 per claim Defense costs in addition to the limit of liability for eligible insureds Automatic Third Party EPL coverage Loss control assistance Defense costs for non-monetary relief Modified Hammer Clause – 50 / 50 and 10% retention reduction for insured’s acceptance of the first settlement. For eligible insured’s , when defense costs are provided within the policy limits of liability, the hammer clause can be further modified to 75 / 25 and the retention reduction can be increased to 25%. Broad definition of claims which includes: arbitration, regulatory and administrative proceedings, EEOC and DOL investigations and request to toll the statute of limitations. Bilateral discovery (tail) for one, two and three year terms Most favorable venue wording for punitive, multiple or exemplary damages The available of important complementary coverage such as Directors and Officers Liability, Fiduciary Liability, Employed Lawyers Liability and Commercial Crime Coverage

Dance & Gymnastics Studios

U.S. Insurance Services specializes in providing insurance for health and wellness individuals including professional fitness trainers, pilates instructors, coaches, yoga teachers, dance instructors and martial arts instructors, as well as health and wellness studios that are less than 5,000 square feet including fitness studios, pilates studios, dance studios and martial arts studios. Coverage Features General Liability Premises liability Comprehensive General Liability - limits to $2,000,000 Personal injury liability Employee benefits liability Coverage for tanning available Liquor Liability Special Events Coverage outside the club is included for the entity and professional instructors or consultants Coverage extended to entity and employed professionals including lifeguards, racket sports instructors, nurses, dieticians, physical therapists and aerobic and fitness instructors Umbrella limits - up to $15,000,000 Property Blanket limits with large in-house capacity All risk on buildings, contents, loss of incomes, and extra expense Coverage extended to include property of customers in your care custody or control - $10,000 Spoilage Signs (attached or unattached) - $25,000 Precious metals (trophies) - $5,000 Business income and extra expense - $100,000 Pollutant clean-up and removal - $25,000 Employee dishonesty - $25,000 Theft, disappearance and destruction - $10,000 Elite Property Enhancement Automobile Owned automobile Non-owned automobile exposures Hired automobiles Hired car physical damage Rental reimbursement for private passenger vehicles Crime & Fidelity Employee dishonesty Theft, disappearance, and destruction Forgery or alteration Acceptable Classes of Business Health Clubs whose revenues are primarily driven by memberships that include: Health Racquetball Basketball Tennis Squash Health Clubs that have been in business for more than three years, or less than three years with solid management and good financials Acceptable Exposures include: Swimming Pools (as an incidental exposure) Tennis Courts (Property coverage not available for Tennis Bubbles) Basketball Courts Batting Cages Showers/Saunas/Whirlpools/Steam Rooms Personal Trainers/Aerobics Instructors Physical Therapists Massage Therapists Tanning Beds (bulbs must be at least 90% UVA) Documents Required for Proposal Completed and signed, dated Health and Fitness Club Application Completed ACORD applications Picture of facility Copy of medical disclosure Copy of waiver language Advertising brochures (if available) Insured's website Currently valued insurance company loss runs for the current policy period and three prior years Call 1-800-874-1738 x201