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Products and Carriers Product Carrier RIC Insurance General Agency / NWC Insurance Services Business Owner Polices, Hartford / Travelers / CNA / Liberty / RIC / Century Surety / Markel / Package, and General Scottsdale / Burlington / Evanston / First Financial / Guilford / Western Liability Heritage Bonds Liberty Commercial Umbrella AIG Workers' Compensation AIG / Hartford / Liberty / C N A / Zenith / Everest / Employers / State Fund / Travelers / Chartis Commercial Auto & Victoria / Progressive / Hartford / Travelers / Liberty / Penn Cargo American / CNA / National Indemnity Commercial Builders Risk Zurich Earthquake Arch Specialty / Aspen Specialty / Axis Surplus / Beazley Syndicates / Empire Indemnity / Endurance American Specialty / Essex / Everest / General Star / Golden Bear / Houston Casualty / Insurance Company of the West / Landmark American / Lexington / Mt. Hawley / Various Lloyds Syndicates / Plaza / Praetorian / Princeton E&S / North East/ QBE Specialty / Rockhill / Scottsdale / Westchester Surplus Lines E&O ACE / CNA / Beazley / Chartis / Crum & Foster / Hartford / Houston Casualty / Markel / Philadelphia / ProAssurance Company / Travelers D&O Ace / CNA / Carolina Casualty / Crum & Foster / Hartford / Markel / Philadelphia / Travelers / Chartis EPLI Ace / Markel / Lexington Aerospace / Aviation Chartis / Global Aerospace / USIG -United States Aircraft Group Environmental Liability Liberty Insurance Company / Esses Insurance Company / Century Insurance Company / Chartis Insurance Company Allied Health Care ProAssurance Specialty Insurance Company / Essex Insurance Company Program Security Privacy Hartford / Travelers / CNA / Beazley / Philadelphia / Axis Insurance Liability Company / Charis Insurance / Essex Insurance Company Agriculture Risks Travelers Commercial Surplus Scottsdale / Western Heritage / Century Surety / Lines Burlington / Markel / Evanston / Essex / Penn America / Penn Star Contact Information Phone: 888-693-7892 • Fax 866-577-7595 Website: www.nwcinsure.com The Bind Zone RIC Insurance General Agency / NWC Insurance Services Josefina Lojas Trainer / Underwriting 2607 email@example.com Marketing Representative Carol Platt Trainer / Underwriting 2625 firstname.lastname@example.com Stacey Massa Trainer / Underwriting 2687 email@example.com Jesie VonGelken Triner / Underwriter 2606 email@example.com Commercial Auto Desiree Jackson Underwriter 2517 email@example.com Business Owner, GL, Artisan Contractrors, Package, Comm Umbrella, EQ, & Builders Risk Programs Shana Marcheschi Underwriter 2696 email@example.com Desiree Jackson Underwriter 2517 firstname.lastname@example.com Brandi Byrne Underwriting Assistant 2691 firstname.lastname@example.com DJ Guinn Underwriting Assistant 2510 email@example.com Specialty Underwriter- E&O, D&O, EPLI, Environmental Pollution, Aerospace, Aviation, Allied Health Care and Agriculture Risks Charles Espinosa Underwriter- Texas Office 866-400-1989 firstname.lastname@example.com Workers' Compensation Program Richard Mann Underwriter 2624 email@example.com Amanda Sprang Underwriter 2511 firstname.lastname@example.com Bonds Program Kris Cover Underwriter 2620 email@example.com Molly Sell Underwriter 2632 firstname.lastname@example.com Nicole Sutton Underwriter 2607 firstname.lastname@example.com Administrative Department Ann Marie Wyman Agent Licensing 2686 firstname.lastname@example.com Marketing & Surplus Lines Contact Information Marketing Representatives Territory Contact Information RIC Insurance General Agency / NWC Insurance Services Lizzie Novak Northern CA, OR, WA 1-888-693-7892 x 2514 firstname.lastname@example.com Jim Pierce Greater Reno, Tahoe, Truckee 1-888-693-7892 x7108 Area, Northern NV firstname.lastname@example.com Jeff Hall Greater Las Vegas Area, 1-702-279-8741 Southern NV, AZ email@example.com Tricia Stoll Orange, San Diego, Riverside 1-800-310-1303 x8216 Counties firstname.lastname@example.com Alex Silva Ventura, Los Angeles, San 1-818-235-4648 Bernardino Counties firstname.lastname@example.com Josefina Lojas All Other (Internal Marketing) 1-888-693-7892 x2687 firstname.lastname@example.com Surplus Lines Underwriters Underwriter Location Contact Information Stacey Ziska Santa Rosa, CA 1-888-693-7892 x2613 firstname.lastname@example.com Megan Torkelson Santa Rosa, CA 1-888-693-7892 x2695 Direct: 1-707-648-9943 firstname.lastname@example.com Danielle Rider Reno, NV 1-800-752-1873 x7110 email@example.com Kristy Conrad Reno, NV 1-800-752-1873 x7109 email@example.com Jennifer Troup-Scott Las Vegas, NV 1-702-334-6050 email@example.com Teresa Spraggins Tustin, CA 1-800-310-1303 x8220 email@example.com Ryan Stanley Tustin, CA 1-800-310-1303 x8219 email@example.com Robert Young Tustin, CA 1-800-310-1303 firstname.lastname@example.com Accounting Contact Karen Remmele Santa Rosa 1-888-693-7892 x 2635 firstname.lastname@example.com Personal Lines & CSR's Contact Information Personal Lines Underwriters RIC Insurance General Agency / NWC Insurance Services Underwriter Location Contact Information Stefanie Sifuentes Reno, NV 1-800-752-1873 ext 7113 Home Owners & Dwelling Fire firstname.lastname@example.com Danielle Funches Reno, NV 1-800-752-1873 ext 7107 Mobile Homes firstname.lastname@example.com Michael Haley Reno, NV 1-800-752-1873 ext 7105 High Value Dwellings firstname.lastname@example.com Sharai Boles Reno, NV 1-800-752-1873 ext 7114 Personal Umbrella Policies Customer Service Representatives Our CSR's have an Alpha split that goes by the Business Name, DBA or the First Name of the Insured. Kris Cover #'s A-B 888-693-7892 Ext 2620 email@example.com Amanda McCulloch C-G 800-752-1873 Ext 7106 email@example.com Molly Sell H-L 888-693-7892 Ext 2632 email@example.com Kevin Brock M-R 888-693-7892 Ext 2623 email@example.com Nicole Sutton S-Z Ext 2607 email@example.com Acct ID: _____________________________ User ID: _____________________________ Password:____________________________ Get in the zone with the NWC Insurance Services instant online rating and quoting system and receive a quote instantly. Step by Step Instructions! Begin your quote at www.nwcinsure.com/bind-zone Enter your account ID….User Name….Password On the "WELCOME AGENCY PARTNERS" Screen 1. Under Get Information – click on Carrier Availability by Class and State 2. Enter "ZIP Code" for Business 3. Click on "Classify the Business" 4. In the "Search section" … type in the 1-2 word Business description 5. Select Business type that best describes your risk… It will drill down to "specific business type" 6. Select the class, confirming the Business Classification 7. Click on "Select this Class" ONCE YOU DETERMINE THE CORRECT CLASS 1. The screen will show you which carriers and what product line they will write 2. And, will provide you with underwriting notes so that you know if the class is acceptable 3. If Acceptable…Click on "start a new Full Quote Application" 4. Once you enter all the information about your risk hit "submit" 5. Then Click on DASHBOARD and it will show which carriers are beginning to quote 6. It may take 1-15 minutes ….but that is how fast you will receive a price indication! 7. If the customer likes the price, you will then convert to a full quote and then hit bind. 8. The underwriter will confirm the bind the same day! REMINDER……NOT ALL OF OUR CARRIERS ARE AVAILABLE ON THE BIND ZONE 1. If there is not a carrier on The Bind Zone, that will quote your risk…. 2. Then please go to our website www.nwcinsure.com …. click on Products, then select Product Type. 3. Select the application under Product Type and submit to NWC the normal way, either by email or fax. When in doubt about "THE BIND ZONE" call Jesie 1-888-693-7892 ext 2606. Business Owner, General Liability, Commercial Umbrella, and Package Policy Program Available in all States except AK Limited in some coastal areas of TX RIC Insurance General Agency / NWC Insurance Services No property GL only in AL, FL, LA, KY, NJ, NY, PA, WY NWC offers a variety of Business Owner, General Liability, and Package Policies. The Business Owner Policies generally are for accounts up to $50,000 with Package Policies covering risks that are larger than $50,000. We can quote the Commercial Auto, Workers' Compensation, and Umbrella policies along with the BOP. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com BOP, GL, Umbrella & Package Acceptable Classes Office Program Retail Program - continued Mailing and Addressing Company Accountants Bakeries Media Duplication RIC Insurance General Agency / NWC Insurance Services Advertising Agency Bed & Bath Shops Music Recording Studio Associations – Prof. or Trade Banner and Flag Shops Nail Salon Auditing Beauty and Barber Supplies Optometrists Office Bookkeepers Beverage Store (Soda, Beer, Wine) Office Machine Repair Book and Magazine Publishers Bicycle Stores Photographic Studio Advertising Agency Books and Magazines Piano Tuning Architects (non-structural) Bridal Shops Photo Finishing Lab Attorney Cake Decorating Equip/Supplies Printers Chiropractors Cameras/Photo Supply or Repair Shoe Repair Claims Adjusters Candy Stores Travel Agency Clubs – Prof. or Trade Cards and Stationery Videographers Commercial Artist Carpet, Rugs & Floor Coverings Veterinarians Computer Consultants Clothing Stores Watch / Jewelry Repair Consulting, Sales Service Org. Computer & Software Stores Wholesale Program Counselors – Financial Planners Cosmetics, Toiletries Auto Parts Draftsmen (non-structural) Craft Stores Barber and Beauty Supply Dentist Office Curtains and Drapes Candy, Nut Confectionery Dental Lab Coffee & Tea Supplies Craft Supplies Employment Agency (no temp) Electrical Supplies Hardware Engineers (non-structural) Florists (Real or Artificial) Pet Supplies Graphic Artist Musical Instrument Stores Educational / School Supply Insurance Agents Party Good Stores (no rental) Office Machine Equipment Interior Decorator Picture Frames Office Supply Lawyers Restaurant Equip. & Fixtures Management Consultants Sauna and Spa Stores Financial Services Manufacturer Representatives Specialty Stores Credit Unions Medical Offices Financial Planner Office Buildings Technology Program Insurance Agents Ophthalmologist's Office Custom Computer Programming Mortgage Banker / Broker Publishers Computer Consultants Security Broker / Dealer Purchasing Office Web Site Design Title Agents Real Estate – Residential Stock Brokers Real Estate – Commercial Service Program Real Estate Appraiser Answering Service Contractors Program Retirement Planners Appliance Repair (In business and insured for 3 years) Sign Shop Auto Glass Shops Property & Auto for Many Artisans Speech Therapists Barber Shop Janitor (Commercial Only) Tax Preparers Beauty Salon Carpet / Furniture Cleaning Telemarketing Offices Book Binding Communication Equip Installation Camera Repair Manufacturers Program Retail Program Canvas Goods Candy or Other Confectionery Appliance Stores Cemeteries Cutlery and Flatware Art Pictures and Posters Clothing Repair / Alterations / Tailor Electronic Components Art Gallery, Copy and Duplication Services Art Studios Court Reporting Services Other Programs Dressmaking Office Buildings Artists Supplies Engraving Shopping Centers AV Equipment, Sales, Service Glass Shop Restaurants- Travelers-3yrs in business Apparel and Accessories Laundry or brand new-not opened yet, 0-25% Auto Parts / Supply Stores Learning Centers liquor sales. Awnings and Canvas Good Locksmith Churches - No outdoor activities. Apartments & Condos- CA Hartford and Travelers Artisan Contractors Program Hartford Artisan Contractors requires the businesses to be under the same ownership for 3 years. They will write the following classes in most states excluding AK, AZ, CA, FL, GA, LA, NV, or NY. RIC Insurance General Agency / NWC Insurance Services • Air Conditioning Equipment Installation, Service & Repair • Bricklaying & Tuck Pointing • Cabinet Building/Installation • Carpentry – Finish & Trim Only • Carpet & Furniture Cleaning at the Customers Premises • Ceiling Acoustical Installation • Chimney Construction (Excludes Cleaning) • Communication Equipment Installation – Industrial/Commercial • Concrete Finishing Residential – Foundation/Sidewalks • Driveway, Parking Area or Sidewalk Paving or Repaving • Drywall or Wallboard Installation (Excluding Exterior Insulation Finishing Systems) • Electrical Wiring (Excluding Alarms/Security Cameras) • Fence Installation • Floor Covering Installation • Heating/Combined Heating & Air Conditioning Equipment Installation • Home Appliance Installation • Interior Tile/Stone/Marble/Mosaic Installation • Landscaping • Lawn Irrigation or Sprinkler System Installation • Lighting Installation • Masonry- Limited • Painting (Exterior & Interior) • Plumbing - Limited • Refrigeration Equipment & Systems Installation, Service & Repair • Swimming Pool Cleaning & Maintenance (No pool repair) • TV, Cable, Radio, or Phone Installation • Window Treatment Installation Travelers Insurance requires prospects to be new businesses with 3 years of management experience or 3 years in under same ownership & insured. Travelers will write these classes in most states with the exception of AK, AZ, CA, FL, GA, LA, MT, NY, and Northern Illinois. • Air Conditioning Equipment Installation • Carpentry Interior • Carpet & Floor Covering Installation • Communication Equipment Installation • Concrete Construction • Counter Top Installation • Door or Assembled Millwork Installation (overhead garage door installation for residential risks only) • Driveways, Sidewalks, and Parking Areas • Electrical Wiring Within Buildings (excluding alarms and security cameras) • Excavation – Residential Only • Grading of Land, Site Preparation • Masonry And Other Stone Work • Monument Engraving and Installation • Septic Tank Installation, Service & Repair (excluding cleaning) • Sign Installation and Repair (no risks involving cranes and/or rigging or work on billboards) Artisan Contractors & Contractors Equipment Program RIC Insurance General Agency / NWC Insurance Services Available in AZ, AR, CA, CO, ID, NV, NM, OR, TX, UT, WA Navigators Artisan Contractors General Liability & Contractors Equipment Program • To qualify for this program the contractor must have two years experience! • Over 50 Eligible Classifications Available • $750.00 Minimum Premium • AIX Rated Admitted Carrier • Broker Fees Apply Get your own online indication on our website at www.nwcinsure.com. If the insured likes the price you can fill out the online artisan contractors form and we will give you a firm quote. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Artisan Contractors Navigators Program Eligible Risks Air Conditioning Air conditioning RIC Insurance General Agency / NWC Insurance Services Appliance Installation Appliance Installation Commercial – No residential, apartment work ok. – Commercial No cutting, slicing equipment. Appliance Installation Appliances and Accessories – Installation, service and repair of household – Household appliances & accessories. No commercial appliances. (residential) Carpentry – Residential Carpentry – Residential Only. Includes non-structural remodeling & repair. All roofing work must be subcontracted. Framing work only not allowed. No exterior work on buildings exceeding 3 stories. Examples: Kitchen & bathroom remodeling & decking. Carpentry – Interior Interior – Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation, and shelving. No General Contracting, interior room remodel or framing work only. Carpentry NOC Carpentry – Commercial Only. Includes commercial tenants improvements & betterments, repair & replacement. ALL roofing work must be subcon- tracted. NO exterior work on buildings exceeding 3 stories. Carpentry – Handyman Handyman – No roofing, foundation repair or new construction. Service & repair work only. Maximum $1,000 per job w/license - $500 w/o license. Carpentry – Residential Structural Remodel – Maximum $500,000 Gross Receipts. Work includes Structural Remodel adding square footage such as second story or room additions. All Roofing work must be subcontracted. NO exterior work on buildings exceeding 3 stories. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Carpet-Upholstery Carpet, Rug, Furniture or Upholstery Cleaning – on customer premises Cleaning only, no shop exposure. Only 100% Service/Repair and/or Commercial risks permitted in this class. Ceiling / Wall Ceiling or Wall Installation – metal, acoustic Installation – metal Communication Equip- Telephone Equipment Installation – wiring, cables & circuits for telephone ment Installation and communications equipment operating at <50 VOLTS. NO telephone line construction, burglar, fire alarm/emergency systems work. Concrete Construction Concrete Construction – Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways ok. NO foundations or exterior work on buildings exceeding 3 stores, no pool construction, no public street, road or highway work. Incidental commercial foundations allowed (up to 15% of annual receipts). Conduit Construction Conduit Construction – Installation of communication or electrical en- – Cable/wire casement. Max. depth 8 feet. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Artisan Contractors Program Eligible Risks - Continued Debris Removal – construction Debris Removal – No roof tear-off, soft demo or janitorial work. RIC Insurance General Agency / NWC Insurance Services site Door / Millwork Installation – Door/Millwork Installation – No window work. (Service and re- Metal pair of garage doors ok) Drilling – Water Drilling – Water –Private water drilling with limited agricultural exposure. No water quality testing or municipal work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Driveway / Sidewalk Paving Driveway, Parking Area or Sidewalk – Includes asphalt or paver installation, parking lots, private roads &commercial or residential driveways or sidewalks. No Public street, road or highway work. No grading or excavation other than incidental to paving (use those specific classes if not incidental). Drywall Drywall or Wallboard Installation – Residential service and repair only. New commercial OK. No insulation work. Electrical – within buildings Electrical Work within Buildings – no exposure outside of build- ing including power line construction or pole work. No burglar or fire alarm system, generator, electrical machinery or auxiliary apparatus work. No work over 480 volts. Incidental residential landscape work is OK (up to 15% of annual receipts). Excavation Excavation – Max depth 12 ft. No Public street, road, highway, ag- ricultural or building demolition other than outbuildings. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Fence Erection Fence Erection Contractors – No child-safety or electrically charged fencing. Incidental automated gates acceptable. No manufacture of metal fences – erection only with no other welding exposure. Floor Covering – no tile Floor Covering Installation – No dealers. Installation of carpeting, laminate and hardwood flooring. Ceramic tile, stone, marble or terrazzo work should be separately classified as Tile. Grading Grading – No Public street, road, highway or agriculture work. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Heat / AC no LPG Heating and Air Conditioning Systems – No refrigeration or cold storage work. Incidental LPG work OK (up to 5% of annual re- ceipts). Artisan Contractors Program Eligible Risks - Continued Household Furnishings House Furnishings Installation- Includes installation of pictures, mirrors, RIC Insurance General Agency / NWC Insurance Services window treatments and closet organizers. No furniture repair or moving services. Janitorial - Janitorial - COMMERCIAL OFFICES ONLY – No residential expo- Commercial sures, model homes, retail work or sales of chemicals or cleaning sup- plies. Only 100% Service/. Repair and/or Commercial risks permitted in this class. Landscape - Gardening Landscape Maintenance & Gardening – Basic landscape/lawn care ser- vice-mowing &/or installation. Over-the-counter fertilizer/weed control or sprinkler installation ok. NO pesticides. Decks (use 91340), decorative retaining walls (use 97447), fountain, pond or cement work other than mow strips (use 915560). Masonry Masonry – Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls over 6 feet not allowed BUT perimeter wall over 6 feet ok. No street, road or highway walls or work. NO exterior work on buildings exceeding 3 sto- ries, chimney or cast-in-place concrete work. Metal Erection – Metal Erection – Decorative – Interior work only, non-structural, office Decorative partitions or workstations. Service& Repair and/or Commercial Only Premium Credit NOT available for this class. Paint Exterior Painting Exterior – Buildings and appurtenant structures only, including (Under 3 stories) walkways/fences, surface preparation and faux/texture painting. NPO waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges. Paint Interior Paint Interior- Bathtub Refinishing ok. No exterior/no waterproofing. Paperhanging Paperhanging – Includes surface preparation, covering walls and ceilings with wallpaper, fabric vinyl or other wall coverings. Plaster / Stucco Plaster or Stucco Work – COMMERCIAL WORK ONLY. No residential. Excludes Exterior insulation and Finish Systems (EIFS) work and exteri- or work on buildings exceeding 3 stories in height. Service & Repair and/ or Commercial Only Premium Credit NOT available for this class. Prefabricated Prefabricated Building Erection – Intended for light, non-habitational Building Erection service or outbuildings. No commercial retail usage. Service & Repair and/or Commercial Only Premium Credit NOT available for this class. Artisan Contractors Program Eligible Risks - Continued Refrigeration Refrigeration Equipment – Installation, service and repair of commercial re- RIC Insurance General Agency / NWC Insurance Services Equipment Instal- frigeration systems. No wholesale cold storage work or Freon, manufacturing lation Service or processing work. Incidental LPG work ok (up to 15% of annual receipts. Siding and Gutter Siding and Gutter – Installation includes soffit/fascia and decorative shutters. Installation No spray on siding/roofing/roof flashings or work on buildings exceeding 3 stories. Only 100% Service/Repair and/or Commercial risks permitted in this class. Sign Painting Sign Painting – No sign erection or work over 2 stories. Only 100% Service/ Repair and/or Commercial risks permitted in this class. Satellite Dish Satellite Dish Installation – Service or repair – No work on buildings exceed- Installation ing 3 stories in height. Septic Tank Septic Tank Cleaning – No RV, blasting or work below 12 feet. Some restau- Cleaning rant grease trap work ok. Service & Repair and/or Commercial Only Premi- um Credit NOT available for this class. Septic Tank Septic Tank Installation – No RV, blasting or work below 12 feet. Service & Installation Repair and/or Commercial Only Premium Credit NOT available for this class. Sewer Mains Sewer Mains Construction – No work below 12 feet. No blasting. Service & Construction Repair and/or Commercial Only Premium Credit NOT available for this class. Tile / Stone Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations. Installation Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of these materials to floors, walls or counter-tops. NO swimming pool work or roofing operations Water Mains Water Mains Construction – No work below 12 feet. No blasting. Service & Construction Repair and/or Commercial Only Premium Credit NOT available for this class. Water Softening Installation Servicing and repair. Equipment Eligible Contractors Equipment Inland Marine Risks - Navigators Coverage Description of Coverage Valuation Co- Max Lim- Deductible Information Type Insurance its Avail- Theft All Other Perils able Deductible Deductible Office This coverage applies Replacement 90% $2,000,000 $2,500 $1,000 Contents to miscellaneous office Cost contents and equipment, furniture and fixtures usual and incidental to the applicant's business, the applicant's property or the property of others for which the applicant is legally liable. Earthquake and Flood are excluded. Misc. Tools This coverage is intended Actual 80% $2,000,000 $2,500 1% of the to cover hand and power all contrac- amount of in- & Small Cash Value surance on the Equipment tools such as laser beams, tors equip- item(s) lost or transits, surveyor's instru- ment (total damaged but not less than $500. ments, walkie-talkies, insured radios, cell phones and values) similar items. The maxi- mum value of any one tool is $1,500. Computer This coverage applies to Replacement 90% $50,000 to- $1,500 $500 Systems the applicant's program- Cost tal insured Hardware mable electronic equip- values with ment that is used to store, a $5,000 retrieve and process data maximum and other associated for extra expense equipment such as print- ers. Computer This coverage applies to Replacement 90% $50,000 to- $1,500 $500 Systems data stored on media and Cost tal insured Data & programming records values with used for electronic data a $5,000 Media processing or electroni- maximum cally controlled equip- for extra expense ment. Media includes such items as software, films, tapes, discs, drums or cells. Eligible Contractors Equipment Inland Marine Risks - continued Coverage Description of Coverage Valuation Co- Max Deductible Information Type Insurance Limits Theft All Other Available Deductible Perils Deductible Computer This coverage is intended to Replacment 90% $5,000 $1,500. $500. Systems cover those extra expenses re- quired to avoid or minimize the Cost Extra suspension of business and to Expense continue business operations. Scheduled This coverage is intended to Actual Cash 80% $2,000,000 $2,500 1% of the cover equipment such as trac- all amount of Light tors, fork lifts, compressors, Value contractors insurance on portable generators, scaffold- and ing, portable welders, portable equipment the item(s) Medium concrete mixers, light plants, (total lost or dam- job site trailers and those small insured aged but not Equipment tools valued more than $1,500. values) less than Items will be specifically listed $500. and scheduled on the policy. Scheduled This coverage is intended to Actual 80% $2,000,000 $2,500 1% of the cover equipment such as load- all amount of Heavy ers, bulldozers, graders, scrap- Cash contractors insurance on ers, and power shovels. Equip- Value Equipment ment used in asphalt plants, equipment the item(s) demolition, dredging, farming, (total lost or dam- logging, mining, oil field, insured aged but not landfill, roofing, scrap yards or values) less than cranes, booms, material han- $500. dling conveyer equipment are types of equipment that are not eligible for coverage. Installation This coverage applies to materi- Replacement 90% $500,000 $2,500 $1,000 als and supplies intended for Floater installation, while in transit and Cost at the job sites or at a premises owned or leased by the insured if the material is designated for installation at a specific job site. Rented This coverage applies to equip- Actual 80% $500,000 $2,500 1% of the ment rented or leased from amount of in- Leased Cash surance on the others. The lease or rental term on the equipment cannot exceed Value item(s) lost or Equipment 12 consecutive months. damaged but not less than $500. Ineligible Risks: Woodworkers, cabinet makers, any operation with wood cutting or sawing, bridge building, demolition, mining, dredging, oil field, scrap yards, warehousing. WC ORKERS' OMPENSATION Available in all states except the monopolistic states - ND, OH, WA, WV, WY RIC Insurance General Agency / NWC Insurance Services Workers' Compensation coverage is mandated by most states for all employers who employ one or more workers. Workers' Compensation coverage is provided to protect workers who are involved in a work related accident or suffer a job related injury or illness. The standard Workers' Compensation policy form provides coverage for medical expenses, temporary disability, permanent disability, vocational rehabilitation, and death benefits. Rates and premiums are determined based on many factors including the nature of work performed by employees, the total payroll paid by the employer, the prior loss experience of the business, and the overall evaluation of the employer's management business practices. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Workers' Compensation Acceptable Classes Air-Conditioning Equipment Mfg. Banks - All employees Aircraft Engine Mfg. Barber Shops or Beauty Parlors RIC Insurance General Agency / NWC Insurance Services Aluminum Ware Mfg. Baths - NOC Analytical or Testing Labs - NOC. Billiard Halls - all employees - incl. restaurant Apartment or Condo Complex - all employees employees. Biomedical Research Laboratories Apartment or Condo Complex - Prop Mgmt Bookbinding Operation – All Other Employees Supervisors. Bookbinding Operation - editing and office employees Apartment or Condo Complex - seniors - all Bookbinding Operation - Salespersons employees. Boot or Shoe Mfg Apartment or Condo Complex - seniors - prop Mgmt super. Bottle Dealers - secondhand Attorney Support Services including clerical Bowling Centers - all employees - incl. and outside sales. restaurant Attorneys - all employees. Box Mfg - Folding Paper Boxes - NOC Audio Post Production. Box Mfg - Rigid Paper Boxes Audio/Visual Electronic Products Mfg. Boy and Girl Scout Councils - executive Auditors, Accountants. secretaries Auto Gas Stations - retail - all employees. Breweries or Malt Houses - including bottling Auto or Truck Body and Fender Repairing. Brick or Clay Product Mfg NOC Auto or Truck Dealers - other than sales Building Material Dealers - Commercial - No 2nd hand persons. Building Operation - Commercial - All other Employees Auto or Truck Engine Mfg. Building Operation - Commercial - Prop Mgmt Auto or Truck Radiator Mfg. Supervisors Auto or Truck Repair Shops - no retail gas. Building Operation - NOC - all other Auto or Truck Salespersons. employees Auto or Truck Service Stations - all Building Operation - NOC - Property Mgmt Supervisors employees. Building or Roofing Paper or Felt Preparation Auto or Truck Storage Garages Cabinet Mfg. - Wood Auto or Truck Transmission Repair Cabinet or Fixtures – Installation – Portable NOC Automobile or Automobile Truck Towing, Can Mfg Roadside Assistance, or Freeway Service Patrol Canneries - Fish Awning, Tarp, or Canvas Goods Mfg - NOC Canneries - NOC - including Fruit Preserving - shop only Carpet or Rug Mfg - other than jute or hemp carpets Bag Mfg - Paper Cemetery Operation - all employees Bag Mfg - Plastic Churches - all employees other than clergy, clerical Bag Mfg - Traveling Bags or Hand Luggage Churches - clergy, clerical Bakeries and Cracker Mfg Clerical Office Employees Workers' Compensation Acceptable Classes Clock Mfg Door or Window Frame Mfg - metal Clothing Mfg - including embroidery Mfg Door or Window Mfg - metal or combination metal RIC Insurance General Agency / NWC Insurance Services Clubs - Country or golf and glass Clubs - NOC - All employees Door or Window Mfg - wood Clubs - Swimming - all employees Door, Sash or Window Mfg - wood Clubs - Tennis or Racquetball - all employees Draftspersons Coffin or Casket Mfg - Wood Dressmaking or Tailoring - custom exclusively College or Schools - Private - not auto - all Drug or Pharmaceutical Prep Mfg – no Mfg of ingredi- employees other than professors, teachers or ents – NOC professional employees - including cafeterias Dry Cleaning or Dyeing - NOC College or Schools - Private - not auto - Dry Cleaning or Laundry - retail professors, teachers or professionals Electric Appliance Mfg - NOC Computer Memory Disk Mfg - rigid Electric Control Panel or Switchgear Mfg Computer or Computer Peripheral Equipment Mfg Electric Motor Mfg or Repair Computer or Computer System Installation, Electric Power or Transmission Equipment Mfg - NOC Inspection, Adjustment or Repair – Shop and Electrical Apparatus Mfg - NOC Outside– Electrical Connector Mfg Computer Printing Ribbon Mfg Electrical Wire Harness Mfg Computer Programming or Software Development Electronic Element Mfg - NOC Confections and Food Sundries Mfg Electronic Prepress- all operations Coppersmithing - shop Elevator Inspecting - no service inspections, oiling or repairing Corrugated Container Mfg. Engineer – Consulting Cosmetic, Personal Care Products Mfg – not Mfg of ingredients Engraving Cottonseed Oil Mfg or Refining – inc. Envelope Mfg installation/repair of equip. Exercise or Health Institutes - all employees Creameries and Dairy Products Mfg Farm Machinery Dealers - shop and outside Credit Unions - all employees Fiber preparation - wood Crematory Operations - all employees Fixtures or Lamp Mfg or Assembly - Metal - electric Day Care Centers-child-not residential care or gas facilities- Florists - cultivating or gardening all EEs Flower or Flower Arrangement Mfg - artificial Dental Laboratories Fruit - citrus fruit packing and handling Dentists and Dental Surgeons - all employees Fruit - dried fruit packing and handling Distilling - NOC Fruit - fresh fruit packing and handling Document Duplication or Photocopying Service-all employees including clerical andFruit & Vegetable Processing - Fresh - Ready to Eat outside salespersons Fruit Juice or Concentrate Mfg Workers' Compensation Acceptable Classes Furniture Assembling - other than metal Leather Goods Mfg - NOC Furniture Mfg - metal Lens Mfg - ground and polished lenses RIC Insurance General Agency / NWC Insurance Services Furniture Mfg - wood - including assembling Libraries - all employees other than librarians or finishing Libraries - librarians or professional assistants Gasket Mfg Libraries - Public Gate or Corral Mfg - tube or pipe stock Lumberyards - commercial - no 2nd hand materials Glass Merchants - including bending, grinding, beveling Macaroni Mfg Glassware Mfg - no automatic or semi- Machine Mfg - office or sewing - NOC automatic machines Machine Shops - aircraft components Glassware Mfg - NOC Machine Shops - NOC Golf Club or Fishing Rod Mfg or Assembly Machinery and Equipment Dealers - secondhand Graphic Design – All Operations Machinery Dealers - NOC - including demonstration Hardware Mfg - NOC Machinery Mfg - commercial food processing Hat Mfg equipment Heat Treating - metal Machinery Mfg - industrial - NOC Homeowners Associations - not building Machinery Mfg - material handling equipment operation Machinery Mfg - portable tools & lawn care Hotels - all employees Machinery Mfg - swimming pool and spa Ink, Mucilage or polish Mfg Machinery or Equip Mfg - agricultural, construction, Inspection for Insurance or Valuation purposes mining - NOC Magnetic Tape Mfg Instrument – professional or scientific – instal- Mailing Company lation, service or repair Medical Instrument Mfg - electronic - diagnostic or Instrument Mfg - Electronic treatment Instrument Mfg-non electric-scientific or Metal Goods Mfg - NOC medical NOC Mobilehome Park Operation - all other employees Insurance Companies - all employees Mobilehome Park operation - property mgmt Integrated Circuit and Semiconductor Wafer supervisors Mfg Mortgage Brokers - all employees Internet or Web-based Application Develop- Mortgage Brokers-all employees ment or Operation Motels - all employees Janitorial Services - by contractors Motion Pictures - development of negatives, printing Jewelry Mfg - including foundry operations and all subsequent ops Knitting - NOC Motion pictures - film exchanges - not located at mo- Labor Unions - employees engaged outside of tion picture studio office Motion Pictures - production - in studios and outside - Lampshade Mfg - not metal or glass all operations up to the development of negatives Laundries - NOC - all employees Motorcycle Dealers - all operations Workers' Compensation Acceptable Classes Museums - all employees Pickle Mfg Musical Instrument Mfg - other than metal - Picture Frame Assembly - wood or metal RIC Insurance General Agency / NWC Insurance Services NOC Picture or Artwork Framing - including frame assembly Nail, Tack or Rivet Mfg - cold or hot work Pillow, Quilt, Comforter or Cushion Mfg - no mattress News Agts or Distributors of Magazines / or box spring Mfg Periodicals - not retail Pipe or Tube Mfg - other than iron or steel Newspaper Publishing or Newspaper Printing Plaster Board or plaster Block Mfg - all other EEs Plaster Statuary or Ornament Mfg Newspaper Publishing / Printing - editing, designing Plastic Goods Mfg - NOC Newspaper Publishing / Printing - reporters, Plastics - blow molded products Mfg - NOC advertising Plastics - extrusion molded products Mfg - NOC Newspaper, Magazine or book Publishing - Plastics - fabricated products Mfg - no molding - NOC editing, designing -no printing Plastics - Fiber reinforced plastic products Mfg - NOC Nut Hulling, Shelling Or Processing Plastics - injection molded products Mfg NOC Nut, Bolt or Screw Mfg - cold or hot work Plastics - thermoformed products Mfg - NOC Office Machine Installation, Inspection, Ad- Plumbers' Supplies Dealers - wholesale or retail - gas justment or Repair – Shop & Outside– steam or hot water Oil Mfg or refining – vegetable – NOC Potteries - glazed or porcelain, earthenware Oil or Gas Well Supplies or Equipment Power Supply Mfg - NPD Dealers - store or yard not 2nd hand Printed Circuit Board Assembling - by contractor Olive Handling - sorting curing, packing and canning. Printed Circuit Board Mfg Optical Goods mfg - NOC Printing - Quick Printing or Photocopying - all employees including clerical and outside salespersons Orthotic or Prosthetic Device Mfg – including fitting and adjusting Printing Operation - editing, designing, proofreading Painting - automobile or truck bodies - no Printing Operation - screen printing - all other body or fender work employees Painting - shop only Printing Operation - screen printing - editing, designing, proofreading Paper Coating or Laminating Printing Operations - all other employees - incl. Misc. Paper Goods Mfg - NOC employees - NOC Paper or Pulp Mfg - including card, bristol, Printing Operations - Salespersons - outside paper, straw, fiber board mfg Product Demonstrators and Sample distributors – by Paper Stock Dealers - secondhand contractors – in stores Pattern or Model Mfg - metal, plastic or wood Public Colleges or Schools – All Employees Pen or Mechanical Pencil Mfg Pump or Hydraulic Apparatus Mfg or Repair - NOC Photo Engraving Radio, Television or Commercial Broadcasting Stations Photofinishing - all employees - all employees - including clerical office employees Photographers - all employees and salespersons Physicians - all employees Refrigerator Mfg - metal Workers' Compensation Acceptable Classes Restaurant or Taverns - all employees - incl. Stores - eyewear - whls or retail musicians and entertainers Stores - feed, tack and farm supplies - retail RIC Insurance General Agency / NWC Insurance Services Rubber Goods Mfg - NOC Stores - floor covering - wholesale or retail - carpets, Rubber Stock Dealers - secondhand rugs, vinyl or linoleum Rubber Tire Dealers - wholesale or retail Stores - florists - including service away from Salespersons - outside premises Screen Printed Merchandise Dealers - all other Stores - furniture - whls or retail employees Stores - garden supplies - NOC Screen Printed Merchandise Dealers - editing, Stores - groceries and provisions - convenience - designing, proofreading retail Screw Machine Products Mfg - NOC Stores – Groceries and Provisions - Retail Seed Merchants Stores - ice cream or frozen yogurt shops Sheet Metal Products Mfg - NOC Stores - jewelry - whls or retail Shutter Mfg - wood Stores - lighting fixtures - wholesale or retail Sign Mfg - metal, plastic or wood - NOC Stores – Meat, Fish or Poultry – Retail Sign Mfg - quick sign shops - including outside Stores – Meat, Fish or Poultry – Wholesale operations Stores - office supplies and stationery - wholesale or Sign Painting or Lettering - shop and outside retail Soap or Synthetic Detergent Mfg Stores - paint or paint supplies - wholesale or retail Solar Panel Mfg Stores - Retail - NOC Speaker Mfg Stores - sandwich Shops - not restaurants - N.O.C. Spinning or Weaving - natural and synthetic Stores - videotape - rental or sale - retail fibers - NOC etail Stores - automobile accessories - wholesale or Stores - Wholesale - NOC retail Stores - wine or spirits - wholesale Stores - beverage preparation shops - not bars or taverns Stores fruit or vegetables - retail Stores - bicycles and bicycle accessories-whole- Stores-Hardware-Retail sale or retail Stove Mfg Stores - boat dealers - all operations Sugar Mfg or Refining - beet or cane - including Stores - books - retail beet dumps Stores - ceramic tile - wholesale or retail Superintendent of Public Schools –Office Stores - clothing, wearing apparel or dry goods - Swimming Pools - commercial - all employees retail Tag, Button or Fastener Mfg Stores - Clothing, wearing apparel or dry goods Taxidermist - wholesale Telecommunications Companies - all employees Stores - computer - wholesale or retail Telecommunications Equipment Mfg. Stores – Delicatessen - Retail Terra Cotta Mfg - for decorative or architectural Stores - department stores - retail purposes Workers' Compensation Acceptable Classes Theaters - motion picture - all employees Warehouses - general merchandise - NOC Theaters - music ensembles - all performers and Warehouses - self-storage - all other employees RIC Insurance General Agency / NWC Insurance Services directors of performers including on-site mgr Tile or Earthenware Mfg - NOC Warehouses - self-storage - property management Tool Mfg - NOC supervisors Towel or Toilet Supply Companies - no laundry Watch Mfg - including foundry operations ops Weighers, Samplers or inspectors of Merchandise Trophy Mfg - including foundry operations on Docks Tube or Pipe Products Mfg - NOC Wheelchair Mfg - metal Typewriter Ribbon Mfg or Refurbishing Window Blind Mfg or Assembly - all types Valve Mfg - NOC Wineries - all operations Vegetable or Fruit Processors - frozen Wiping Cloth or Rag Dealers - including all laundry Vegetables - fresh vegetable and tomato packing operations and handling Wire Drawing Video post Production - computer or electronic Wire Goods Mfg - NOC -all Wire Rope or Cable Mfg - including wire drawing employees Wire Rope or Cable Mfg - no wire drawing Vinegar Mfg Wood products Mfg - NOC Vitamin or Food Supplement Mfg – not manu- facturing ingredients Yarn or Thread Dyeing or Finishing - no yarn or Warehouses - cold storage thread mfg New Business Submissions Submission Requirements: ACORD 130 application Everest Supplemental Application—please include 4 years est. payrolls/premiums 4 years currently valued loss runs—valuation date must be 90 days or less from the eff. date Mod Worksheet—if available Submissions With Multiple States*: We have authority to write Non-California exposures up to 25% of total payroll outside of California subject to: Exposure(s) other than clerical/sales are limited to the contiguous states of Arizona, Nevada, Oregon and Utah; Clerical / Sales exposures ARE permitted in states outside of the contiguous states, but any such payroll is limited to 10% overall policy period payroll. Any exceptions need to be referred to Everest. * Please note that a higher deposit may be required on risks with out-of-state exposures Commercial Auto and Cargo Coverage Available in all states RIC Insurance General Agency / NWC Insurance Services RIC Commercial Auto provides coverage for Liability, Medical Payments, Personal Injury Protection, Uninsured and Underinsured Motorists, Comprehensive, Specified Perils and Collision coverage's. The coverage is tailored to specific state requirements where that is necessary. We have markets available for Truckers, Contractors, Cranes, Boom Trucks, Dump Trucks, Garage Operations and many more classes. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Commercial Auto Acceptable Classes The chart below lists the classes of business we are able to write as part of our Commercial Auto Program. The following pages provide additional information for each class of business, including RIC Insurance General Agency / NWC Insurance Services eligible and ineligible risks. For risks not shown, please contact us to discuss. ▪ Auto Transporter ▪ Cement Mixers, Ready Mix and Concrete Pumpers ▪ Contractors ▪ Cranes and Boom Trucks ▪ Dump Truck Operations ▪ Food Delivery ▪ Funeral Operations ▪ Garbage Operations ▪ Household Goods Movers ▪ Mobile Business ▪ Specialized Delivery ▪ Trucking (0 - 200 Miles) ▪ Manufacturer, Wholesale and Retail Delivery For all Commercial Auto accounts, Student Drivers and Non-Employee Passengers are not allowed. AUTO TRANSPORTER Eligible Risks: ▪ This classification includes automobile haulers engaged primarily in the transportation of new and used private passenger and light trucks. ▪ Radius up to 200 miles. Ineligible Exposures: ▪ Transportation of salvage or dismantled vehicles ▪ Drive-away or vehicle delivery services requiring the use of CA2005 Drive-Away Contractors ▪ Rollback only operations ▪ Mobile Home/ Manufactured Home Toters ▪ Automobile brokerage ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own name. No exceptions will be made. CEMENT MIXERS, READY MIX and CONCRETE PUMPERS Eligible Exposures: ▪ This classification includes cement mixers, ready mix and concrete pumper trucks and trailers, which typically operate at or near construction sites. ▪ Radius up to 100 miles. If incidental exposure over 100 miles exists, submit to your home office underwriter. Ineligible Exposures: ▪ New ventures- The account must have a minimum of 2 years verifiable loss history in their own name. No exceptions will be made. Commercial Auto Acceptable Classes ~ continued ~ CONTRACTORS Eligible Exposures: RIC Insurance General Agency / NWC Insurance Services ▪ This classification includes general contractors such as building contractors, welders, vacuum trucks, septic tank services and street sweepers. Also included in this classification are artisan contractors such as plumbers, lawn service, painters, home remodeling, tree service, electrical contractors, cleaning services, exterminators, etc. ▪ Radius up to 200 miles. If incidental exposure over 300 miles exists, submit to your home office underwriter. ▪ If the account has vehicle(s) with booms or cherry pickers, these vehicles must be underwritten and rated using the Cranes and Boom Trucks underwriting guideline. ▪ If the account has incidental dump vehicles, they must be underwritten and rated using the Dumping Operations underwriting guideline. Ineligible Exposures: ▪ Remediation/Spill Cleanup Contractors ▪ Asbestos Abatement Contractors CRANES and BOOM TRUCKS Eligible Exposures: ▪ This classification includes vehicles with permanently attached cranes, booms or cherry pickers, which typically operate at or near construction sites. ▪ The vehicles must be licensed for road use. ▪ The account must have general liability coverage in force with another carrier and we must be named as a certificate holder. ▪ Radius up to 100 miles. If incidental exposure over 100 miles exists, submit to your home office underwriter. Ineligible Exposures: ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own name. No exceptions will be made. DUMP TRUCK OPERATIONS ELIGIBLE EXPOSURES ▪ This classification includes vehicles hauling coal, aggregates, dirt or other non-hazardous dump commodities. Ineligible Exposures: ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own name. No exceptions will be made. ▪ For Sand + Gravel, and Coal hauling risks, minimum is 3 years verifiable loss history in their own name. ▪ Operations hauling any amount of hazardous materials or waste, or non-petroleum contaminated dirt Commercial Auto Acceptable Classes ~ continued ~ FOOD DELIVERY Eligible Exposures: RIC Insurance General Agency / NWC Insurance Services ▪ This classification includes vehicles used by food manufacturers or wholesale distributors to transport their own raw or finished product such as bakery, produce, beverage, water, ice and meat distributors. ▪ Radius up to 200 miles. Ineligible Exposures: ▪ Ice cream vendor ▪ Pizza delivery FUNERAL OPERATIONS Ineligible Exposures: ▪ Funeral escort services (Non-owned vehicles) GARBAGE OPERATIONS Eligible Exposures: ▪ This classification includes contracted collection of garbage, trash, refuse or recyclables at residential, commercial or industrial sites for disposal or recycling. ▪ Roll Off Operations. ▪ Salvage operations including scrap dealers. Ineligible Exposures: ▪ Vehicles operating as a trucker and not being used for residential, commercial or industrial pickup and disposal (e.g., transfer station to landfill or hauling bailed trash) ▪ For hire scrap metal haulers ▪ New ventures- The account must have a minimum of 3 years verifiable loss history in their own name. No exceptions will be made. ▪ Accounts transporting Regulated Medical Waste or Biohazard Waste or any risk with active brokerage authority. HOUSEHOLD GOODS MOVERS Eligible Exposures: ▪ This classification includes vehicles owned by household goods movers. Ineligible Exposures: ▪ Non-Owned Auto liability ▪ Risks operating over 200 miles Commercial Auto Acceptable Classes ~ continued ~ MOBILE BUSINESS Eligible Exposures: RIC Insurance General Agency / NWC Insurance Services ▪ This classification includes businesses operating in or from their own vehicles, such as bookmobiles, mobile medical units, mobile repair or service units, roadside auto service and mobile food vendor. ▪ The account must have general liability coverage in force with another carrier and we must be named as a certificate holder. Ineligible Exposures: ▪ Ice cream vendor ▪ Pizza delivery SPECIALIZED DELIVERY Eligible Exposures: ▪ This classification includes vehicles owned by courier services, magazine and newspaper distribu- tors and armored cars. Ineligible Exposures: ▪ Door to door newspaper delivery ▪ Non-Owned Auto liability TRUCKING (0 - 200 MILES) Eligible Exposures: ▪ This classification includes for hire operations such as common, contract or exempt carriers. Ineligible Exposures: ▪ Bulk (Tank) Hazardous Materials (greater than 119 gallons or 882 pounds). Incidental hazardous materials such as cans of spray paint, household cleaners and batteries are acceptable. ▪ Double and Triple trailers ▪ Risks Transporting butane, propane, LPG or gasoline. ▪ Regulated Medical Waste or Biohazard Waste ▪ Risks hauling munitions or explosives, including liquid Hydrogen, Nitrogen, Chlorine, fireworks, fuses, dynamite, Nitroglycerin, Ammonium Nitrate. ▪ Mobile Home or Manufactured Home Toters ▪ Risks transporting any amount of Class 1 Explosives, Class 2.3 Poisonous Gas, Class 6 Poisonous Gas or Class 7 Radioactive ▪ Any risk hauling logs ▪ Any risk with active brokerage authority Commercial Auto Acceptable Classes ~ continued ~ TRUCKING Ineligible Exposures - continued: RIC Insurance General Agency / NWC Insurance Services ▪ Drive-away contractors. Any operation whose employee(s) drive non-owned vehicle(s) from one destination to another while requiring the use of CA2005 Drive-Away Contractors. ▪ New ventures- The account must have a minimum of 3 years verifiable loss history in their own name. No exceptions will be made. MANUFACTURER, WHOLESALE and RETAIL DELIVERY (0- 200 Miles) Eligible Exposures: ▪ This classification includes businesses that deliver their own commodities such as appliances, auto parts, building supplies, furniture, office equipment and supplies. ▪ Department stores, catering services, dairies, private carriers, farmers and lumberyards are also included in this classification. Ineligible Exposures: ▪ Bulk (Tank) Hazardous Materials (greater than 119 gallons or 882 pounds). Incidental hazardous materials such as cans of spray paint, household cleaners and batteries are acceptable. ▪ Double and Triple trailers ▪ Regulated Medical Waste or Biohazard Waste ▪ Mobile Home or Manufactured Home Toters Garage RIC Insurance General Agency / NWC Insurance Services Requirements: • New Ventures Okay • Minimum Three Years Experience • Hired/Non-owned Available • Tool Limits Available • Owner Occupied Available We have been successfully writing: • Auto Repair Shops ▪ Brake Shops • Car Wash ▪ Body Shops Small Fleets • Detail Shop ▪ Mobile Windshield • Oil Change ▪ Small Fleets • Body Shops ▪ Heavy Truck Repair Shops • Motorcycle Repair Shops Contact Information Phone: 888-693-7892 • Fax: 866-577-7595 Underwriters: Shana ext 2696 Desiree ext 2517 COMMERCIAL EARTHQUAKE PROGRAM Available in AZ, CA, NV, OR, WA RIC Insurance General Agency / NWC Insurance Services The NWC Insurance Services Earthquake Program provides coverage for virtually any type of commercial building, including apartment buildings that contain four or more units. Commercial Earthquake coverage is written on a DIC (Difference in Conditions) form and has an annual renewal. Deductible range from 5% to 20% depending on the individual carrier and the characteristics of the risks. The premium is calculated based on the age of the building, location of the building, type of construction of the building, and the parking configuration. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com COMMERCIAL EARTHQUAKE & DIC QUOTE FORM Agents Name: _______________________________ Date: _______________________ Telephone: _________________ Fax: _____________________ Email Address:______________________ General Information: Named Insured: ___________________________________________________________________________ DBA: ___________________________________________________________________________________ Mailing Address: __________________________________________________________________________ Property Address: _________________________________________________________________________ Policy Limit Requested: $_____________________ Deductible Requested: ____5% ___10% ___15% ___20% Inspection Contact Name: _____________________________Inspection Contact Number: _____________ Effective Date: ________________ Desired Quote Date: _________________ Underwriting Information: Building(s) Total Value: $____________ (If Multiple Buildings, Building Supplemental Required) Total Sq. Ft. Living Space: ____________ Total Sq. Ft. Parking Space: _________ Total Number of Buildings: _________ Year Built:________ #Living Stories:_______ #Parking Stories: _________ Occupancy Type: __________________________ Hangovers or Setbacks? Yes No Unknown Building Shape: ___Regular ___Irregular ___Unknown Number of Units: _________ Construction Type: ___Wood Frame/Stucco ___Joisted Masonry-Tilt Up ___Joisted Masonry-Unreinforced Masonry ___Masonry Non-Combustible ___Reinforced Concrete or Steel Frame Type of Parking: ___Tuck Under ___Tuck Under 2 Sides ___Subterranean ___Partial Subterranean ___Street ___Habitational Over Garage ___Detached ___Attached (No Structure Above) ___First Floor ___Soft First floor Distance to Cliffs or Hillsides: _______________ Prior EQ Losses: ___Yes ___No Date Of Loss: _______________ Amount of Loss: $___________________ Optional Coverages: Contents Value: $________________ Business Income/Extra Expense: $____________ Ordinance or Law: ___10% ___20% of Building Sub-Limits Tenants Improvements & Betterments: $____________(Must have a given value to be quoted) Mold Clean Up & Removal Limit $10,000: ___Yes ___No Flood: Yes No Flood Zone:______ EQ Sprinkler Leakage: Yes No Additional Property Coverage: $________________(Pools, Spas, Fences&/or Paved Surfaces) ____________________________________ ____________________________________ Insured Signature Agent Signature Earthquake Program Supplemental Information Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Building Number______ Amount of Coverage: $___________________________ Complete Address:__________________________________________________ City, State, Zip:_____________________________________________________ Total Square Footage:_______________ Parking Configurations for Earthquake Type: First Floor Parking Type: None Type: Tuckunder- 1 side Type: Soft First Floor NONE – No parking structure at the location. Type: Detached DETACHED – parking structure is not attached to the building. Type: Tuckunder- 2 sides ATTACHED – NO STRUCTURE ABOVE – Parking structure is attached to the building, but there is no occupied space above the parking. HABITATIONAL OVER GARAGE (HOG) – Parking area on first floor, with occupied space above. Parking area has walls between stalls and shear wall on ends. Often seen in townhouses or apartments. TUCKUNDER – 1 S IDE – One wall of first floor parking is open, with no garage door. Support columns are used in lieu of shear walls in open wall. TUCKUNDER – 2 S IDES – More than one wall is open for parking. Treated as Soft First Floor Parking. FULL S UBTERRANEAN – Parking is located under the building with wall underground. Walls are generally Type: Attached - No Structure Above Type: Full Subterranean concrete or concrete block. Ceilings are concrete supported by concrete columns. Access to parking is by ramps. PARTIAL S UBTERRANEAN – Similar to full subterra- nean, except that ground slopes down to side of access is at ground level. Side walls of parking are not co mpletely shear walls. FIRST FLOOR PARKING – Parking is on first floor of structure. Three walls of parking area are shear walls, with the fourth having garage doors. SOFT FIRST FLOOR PARKING – Parking is on first floor of structure. Walls are open, with no shear strength. Instead of shear walls, the perimeter has support columns. Type: Habitational over Garage Type: Partial Subterranean Specialty Products Available in all states RIC Insurance General Agency / NWC Insurance Services Errors & Omissions (E&O) - Professional Liability Insurance is purchased by companies to protect against the costly litigation that could arise from claims alleging negligence or inadequacy in the performance of their professional services. Directors and Officers (D&O) - Insurance is to provide financial protection to directors and officers of a corporation from liability in the event of a claim or lawsuit against them asserting wrongdoing in connection with the company's business. Directors and Officers can also be sued for performance of their duties as they relate to the company. Employee Practice Liability Insurance - EPLI - Covers losses that would not be covered by D&O coverage or GL. EPLI Protects against Sexual Harassment, Discrimination Claims, Wrongful Termination Claims, and Whistleblower Claims. Environmental Pollution - Coverage for companies who face pollution liabilities in their regular daily operations. Fixed Site Pollution Legal Liability, Contractor's Pollution Liability, Contractor and Professional Services, Storage Tank Third-Party Liability, Corrective Action and Cleanup, Transportation Pollution Liability, Excess Pollution, and Security Privacy Liability. Aerospace and Aviation - Aviation General Liability, Aviation Property, Aircraft Hull and Liability, Aircraft Product Liability, Grounding Liability, Hanger Keepers Liability, Helicopter Liability, and Pollution liability. Allied Health Care - We have a wide variety of coverage available for Health Care Professionals. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Professional Liability Errors and Omissions - E&O coverage provides protection for claims or lawsuits for mistakes or omissions that result in financial losses for a client of the insured. If you do not see a class of RIC Insurance General Agency / NWC Insurance Services business you need to submit, please contact the underwriter. We are currently writing the following classes: Accountant Graphic Design Recruiter Advertising Agency Green Building Verifiers Relocation Organizer Appraiser (no real estate) Handwriting / Document Analyst Resume Service Auctioneers (no real estate) Hotel / Motel Manager Retirement / Financial Planning Bankruptcy Trustee Human Resources Consultant Safety Consultant Career Coach Claims Adjusters Interior Decorator (non structural) / Software Engineer Computer Technology Consultant Decorator Stenographer / Closed Captioner Corporate Trainer Loss Control Consultant Technical Writer Court Reporters Management Consultant Telecommunications Consultant Data Processors Marketing Consultant Ticket Broker Dog Groomer Media Consultant Third Party Administrator Electronic Data Medical Billing Service Technical Writer Employees Benefits Consultant Mortgage Broker Telecommunications Consultant Employment/Temp Agency Notary Ticket Broker Energy Consultant Professional Employee Organization Third Party Administrator ERISA / Pension Consultant Printer Transcriptionist Expert Witness Professional Organizer Travel Agent Tour Operator Fundraising Consultant Project Manager (Non Construction) Trustee Financial Planner / Consultant Property Manager (Residential) Tutor Genealogical Coordinator Public Relations Web Designer Technology E&O: Accounting Software Feasibility Needs / IT Studies Pre-packaged Software Administrative Services Financial Software Records Management Application Service Providers Hardware/Software Installer Search Engines Archiving/Backup Services Imaging Services Software/Hardware Resellers Broadcasters Radio/TV Internet Hosting Services Custom Software Developer Software Engineers Internet Media Services Database Administration Internet Service Providers System Integration Database Management IT Maintenance System Management Data Processing IT Consulting or Staffing Telecom Consulting Domain Registration Services LAN/WAN Administrators Training/Education– E-commerce Services Network Security Services Web Page Designers Electronic Exchanges/Auctions Medical Software Web Portal Services Technology E&O coverage is limited to a few carriers for technology products and services in the following industries: Aerospace, Space and Satellites, US Military and Governmental entities. Directors & Officers Directors & Officers (D&O) Liability coverage for public, private and nonprofit firms of all descriptions, including Fortune 1000, technology and financial services. Insures Corporate RIC Insurance General Agency / NWC Insurance Services Directors and Officers against claims alleging mismanagement or wrongful acts, alleged errors, misleading statements, and neglect or breach of duty. Non Profit Business Preferred Classes: Preferred Classes for Profit Businesses: Advocacy Groups Agricultural Art and Cultural Center Manufacturing Churches Publishers Chamber of Commerce Retail Business Civic Associations Service Companies Food Bank Service Firms Foundation Homeless Women Shelter Acceptable Classes for Profit Businesses: Humane Society Banks Library Captives Meals on Wheels Cooperatives Mental Health Drug Alcohol Counseling Finance Companies Rescue Mission Insurance Companies Youth Services / Junior League Investment Companies Trade Associations Joint Underwriting Associations Money Managers Non Profit Business Acceptable Classes: Mortgage Bankers/Brokers Daycare Country Club / Yacht Club Mutual Funds Residential Facility / Group Home Pension Funds Private School (K-12) Risk Retention Groups Low Income Housing Savings & Loans Employment Counseling / Job Training Services Savings Banks YMCA / YWCA Security Broker / Dealers Associations for Retarded Citizens Hospice International D&O coverage for companies Urban League domiciled outside of the U.S. Church Crisis Center / Hot line Stand-alone Side A D&O Difference in Conditions Goodwill Industries coverage. Fairs Exhibitions Safety Council If you do not see a class of business you need to Alumis submit, please contact the Underwriter. EPLI & Environmental Liability Employee Practice Liability Insurance - EPLI RIC Insurance General Agency / NWC Insurance Services We will consider any size account and most types of companies. Coverage is limited to a few carriers in the following industries: Credit Reporting or Collection Agencies Professional Employer Organizations Hospitals, HMO's, PPO's or Nursing Homes Governmental Entities Labor Organizations Schools / Universities Security Privacy Liability -We will consider any size account and any type of company. Environmental Liability Fixed Site Pollution Legal Liability Contractor's Pollution Liability Contractor and Professional Services Storage Tank Third-Party Liability Corrective Action and Cleanup Transportation Pollution Liability Excess Pollution Operations: General, Trade and Specialty Contractors Manufacturing Companies All classes of Commercial Businesses Hospitals, Academic Institutions Public Entities Energy-Related Risks Property Management and Development Firms Environmental Services Firms Convenience store/service station operators Aerospace & Aviation Liability Aviation General Liability Hanger Keepers Liability RIC Insurance General Agency / NWC Insurance Services Aviation Property Helicopter Liability Aircraft Hull and Liability Pollution Liability Aircraft Product Liability Workers Compensation Grounding Liability Aerospace and Aviation Aerospace Operations: Eligible Aircraft: Aerospace Manufacturers Antique Aircraft Airport Landlord and Tenant BI Planes Aircraft Repair and Services Facilities Experimental Aircraft Aircraft Completion Center Fixed Wing Aviation Maintenance Shops Foreign Manufactured Aircraft Aviation Component Manufactures Helicopters Aviation's Product Manufacturers Mutli-engine Avionics Repair and Service Outfits Piston Aircraft Sales Rotor Wing Charter Commercial Sail Planes Commercial Airports Sea Planes Corporate Aviation Single-Engine Fixed Based Operations Sport Pilot Ferry Flights Turbo Props & Conversions Fuel and Component Parts Distributors Turbine / VLJs Government Contractors Warbirds Ground Services Providers Industrial Aid Instruction and Rental Services PBO Municipal Aircraft No midterm quotes for aviation accounts Transition Pilots Allied Health Care Program Primary limits are available up to $5M per incident and $7M aggregate. Deductibles start at zero with low minimum premiums. One policy and seperate limits for PL and GL RIC Insurance General Agency / NWC Insurance Services coverage. Many previous options are now incorporated into the new form, including: Defense Outside the Limit; Incident-Sensitive Claims Trigger; Employment Benefits Liability; Legal Defense Endorsement; Unlimited Tail Option; and Negligence arising out of Sexual Abuse and Molestation Automatically at set limits (limits for Negligence arising out of Sexual Abuse and Molestation may be increased). Hired and Non-Owned Auto will be offered as an option, as well as occurrence GL for accounts currently on the GL occurrence form. Eligible Operations: Pastoral Counselor Adult Day Care Pharmacy Alcohol and Drug Rehabilitation Phlebotomist Ambulance Services – Non-Emergency Physical Therapy Assistant / Physical Therapy Clinic Audiologist Physician Assistant / Physician / Surgeon Assistant Case Management Psychiatric Social Worker / Psychologist Community Mental Health Clinic Radiation Therapy Technician / Respiratory Therapist Partial Hospital Program Speech Therapist / Speech-Language Pathologist Consultants – Medical Care Provider Surgical Technician Consultants – Safety Counselor Surgicenter – Anesthesia or No Anesthesia CRNA Staffing Testing Services Diagnostic Imaging and X-Ray Ultrasound Technician / X-Ray Technician Diagnostician Life Science & Medical Device Companies Dialysis Center Durable Medical Equipment Rental Eligible Operations: EMT – Ambulance Anesthesiology & Respiratory, Allergenics Health and Fitness Center Blood Cellular & Gene Therapy Hearing Aid Fitter Cough Drops, Lozenges, Home Health Agency Cytokine, Growth Factors, Enzymes Home Health Aide Cardiovascular, Clinical Chemistry & Clinical Toxicology Imaging Technician Durable Medical Equipment, Drugs- FDA-regulated drugs Martial Arts Instruction – Adult & biologics in research, clinical trials or on the market Massage Therapist Dietary Supplements, Dental Medical Arts School Ear, Nose and Throat, Feminine Care Products Medical Clinic / Medical Clinic Counseling Gastroenterology & Urology Medical Director General and Plastic Surgery (Not Cosmetic) Medical Labs / Medical Lab Technicians Health care Product Development Organizations Medical Personnel Services Operating Room Supplies Medical Spa Oral Care - Mouthwash, Toothpaste, Brushes, Lip Care, Floss, Mental Health Clinic / Mental Health Technicians Whiteners & Bleaching Agents Nurse / Nurse Practitioner / Nurse's Aide Skin Care, Nail Care, Foot Care, Facial Care, Body Washes Nurse Staffing Agency / LVN / LPN Medicated Shampoo Occupational Therapist / Therapy Assistant Therapeutic Massage, Spa Products, Foot Spas, Paraffin Baths Ocularist Optical Establishment / Optical Goods Store Optometrist Commercial Builders Risk Program Available in all states RIC Insurance General Agency / NWC Insurance Services Commercial Builder's risk insurance is a special type of property insurance which indem- nifies against damage to buildings while they are under construction. Builder's risk insur- ance is coverage that protects a person's or organization's insurable interest in materials, fixtures and / or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Commercial Builders Risk Program Basic Eligibility: RIC Insurance General Agency / NWC Insurance Services The Builders Risk Coverage Form (40471) provides coverage for residential and com- mercial structures with values up to $10 million. The Builders Risk Plan is flexible -- specially trained underwriters are available to assist with coverage for structures that fall outside these general guidelines. In general, we have capacity for risks up to $25 million. All policies are subject to certain underwriting guidelines and restrictions. • Builders must have two years experience unless otherwise qualified. • Three years experience is required when requesting coverage for commercial structures with total estimated completed values greater than $3,000,000. • Catastrophic Limit is $5 million per policy. • The Policy can be issued in the name of the homeowner/mortgagee if the builder qualifies. The program provides competitive coverage including: • Coverage for theft of materials from the moment they're delivered to the job site. • Protection for materials in-transit and at temporary locations. • Coverage for materials that are installed or uninstalled. • Coverage for losses due to ordinances or laws. • An added benefit of the Builders Risk Plan is the Reward Program that offers up to $10,000 in reward money to help deter arson, vandalism and theft at the job site. PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Small Business Bonds Available in all states RIC Insurance General Agency / NWC Insurance Services NWC Insurance Services offers a variety of bonds including, but not limited to: Surety Bonds - A surety bond is designed to transfer financial risk. In some ways, it resembles an insurance policy, except that the beneficiary of the bond, called the Obligee, is a third party. A surety bond underwriter, called the Surety, is usually a subsidiary of a larger insurance company specializing in such instruments. In this three-party agreement, the Principal promises to perform certain work and pays a premium to a Surety, who will then pay out a settlement to the Obligee if the work is not performed to specifications. Contractor License Bonds - A contractor's bond is a type of surety bond that guarantees promise of performance. The bond guarantees that the contractor will do the work he is contracted to do. If the contractor fails to perform, the person who hired the contractor can make a claim against the contractor's bond. Court Bonds - A court bond is money that a person gives to the courts as collateral after being charged with a crime and released. The bond serves as incentive to return for the trial because fail- ure to do so will result in forfeiture of the bond Notary Bonds - Allow and individual to notarize the truth of an event and are typically used in business deals where the bond acts as a financial remedy for the truth. ERISA Bonds – ERISA is the Employee Retirement Income Security Act.. ERISA established minimum standards for plan administrators and investment advisers to protect employee pension and health plans in the private sector. ERISA requires that plan officials who manage, oversee, recommend or handle funds or other property of an employee benefit plan must be covered by a personal fidelity bond, according to the U.S. Department of Labor. • Tax Preparer Bonds • License & Permit Bonds • Lost Instrument Bonds • Service Bonds PO Box 12279, Santa Rosa, CA 95406 Phone: 888-693-7892 • Fax: 866-577-7595 Website: www.nwcinsure.com Personal Lines RIC Insurance General Agency / NWC Insurance Services ADMITTED MARKETS AMERICAN RELIABLE INSURANCE COMPANY (Available in NV, CA, AZ, UT) • Tenant, owner, seasonal, vacant, mobile home park offices • Replacement cost available for 1977 and newer, primary homes • Occasional rental • Golf Carts • Scheduled personal property available • Older homes with updates are acceptable • Check, credit card, online payments available • Admitted market / direct bill AMERICAN MODERN INSURANCE GROUP (Available in all states except HI & LA) • DP-1 / DP-3 / HO-3 / manufactured homes • 1 to 4 unit dwellings • Vacant homes • Check, credit card, online payments available • Admitted market / direct bill CHUBB GROUP OF INSURANCE COMPANIES (Available in AR, AZ, CA, GA, ID, MS, NJ, NM, NV, TX, UT, WA) • Homeowners, condos, tenant occupied, auto, yacht, • Valuable articles, watercraft, personal and excess liability • Preferred / admitted / direct bill TRAVELERS (Available in NV, CA, TX) • HO3 / HO6 / HO4 / DP3 • Primary • Rental/seasonal with primary written • Personal auto • Personal umbrella • Admitted market / direct bill Personal Lines ~ continued ~ ADMITTED MARKETS CONTINUED RIC Insurance General Agency / NWC Insurance Services SAFECO (Available in AL, AK, AZ, CA, CO, CT, DC, GA, ID, KS, KY, LA, ME, MD, MI, MN, MO, MT, NV, NH, NJ, NY, NC, ND, OK, SD, TX, UT, VA, WA, WY) • HO3 / HO6 / HO4 / DP3 • Primary / rental / seasonal • Personal auto • Personal umbrella • Admitted market / direct bill RLI (Available in all states) • Admitted umbrella market • Direct bill at renewal • No underlying carrier info required • Online rating system • Online bill pay for agents and/or insureds NATIONAL CASUALTY COMPANY (Available in NV Only) • Dwelling fire • Homeowners • Monoline liability • HO-4 renters packages PERSONAL LINES – SURPLUS LINES MARKETS SCOTTSDALE INSURANCE COMPANY (Available in CA & NV) • Vacant / renovations / course of construction • Vacant land liability • Fair-poor risks / declined by standard markets due to claims • Monoline liability up to $1,000,000 / vacant land ok • Inland marine available • Umbrellas LEXINGTON INSURANCE COMPANY (Available in all states) • Starting at $250k • Competitive rates for condos, high value homes, seasonal, vacant • HO-3 with replacement costs programs for owner, tenant, and seasonal • DP-3 special form available for vacant dwellings • Builder's risk and renovations LLOYDS OF LONDON (Available in all states) (Written through Harman Kemp North America, Surplus lines) Hard to place risks Vacation rentals Homeowner/rental/seasonal/vacant starting at $250k Builder's risk and renovations SURPLUS LINES APPETITE GUIDE The problem with putting an appetite guide on paper for us is that it is more a question of what we don't write rather than what we do write. The following classes are RIC Insurance General Agency / NWC Insurance Services examples of the types of businesses that we will write on a regular basis: Accountants Office Exterminators Mercantile Stores Adult Day Care Farm Liability Mobile Home Parks Advertising Agencies Fast Food Restaurants Mobile Home Set up Amusement Devices Fire & Burglar Alarm Installation Mortgage Brokers Animal Rides Fire Extinguisher Motels/Hotels Antique Stores Florists Nail Salons Apartments Food Processors Office Buildings Architects and Engineers Offices Furniture Stores Optometrist Offices Art Galleries Garagekeepers Pawn Shops Artisan Contractors Garage Liability PC Repair Commercial Contractors Grocery Stores Pet Salons & Kennels Auto Dismantlers Gymnastic Schools & Clubs Pet Sitting Service Auto Parts Stores Hardware Stores Printers Auto Repair Health Clubs Private Investigators Bakeries Hobby Stores Pumpkin Patch Barber Shops/Beauty Parlors Hole In One Push Carts Bars & Taverns HOA's Quick Lube Shops Bed & Breakfast Home-based businesses Real Estate Agents Book Stores House Detailing Recycling Centers Builders Risk House Sitting Service Restaurants Carriage Tours Ice Cream Parlors Sawmills/Woodworkers Car Wash Insurance Agents Schools Caterers Interior Decorators Seafood Operators Children's Summer Camps Janitorial Services Security Guards Chiropractor's Office Landscape/Gardeners Self Storage Risks Chimney Sweeps Laundry & Dry Cleaners Service Stations Christmas Tree Lots Lawn Mowing Shopping, Errand Service Churches Lawyer's Office Snow Removal Clothing Stores Lender's Forced Placed Property Special Events Liability Club Packages Lessor's Risk Sporting Goods Store Commercial Property Liquor Legal Liability Swimming Pool Construction Contractors Equipment Liquor Stores Swimming Pool Maintenance Convenience Stores Loggers Liability Tanning Salons SURPLUS LINES APPETITE GUIDE - Continued Dance Studio Lumber Yards Ticket Agencies RIC Insurance General Agency / NWC Insurance Services Day Care Centers Maid or Servant Services Tree Trimmers Delicatessens Mail Box or Packaging Stores Vacant Homes or Buildings Donut Shops Manufacturing Rep Video Stores Disc Jockeys Martial Arts Studios Welding Operations Entertainment (clowns, magic, Medical Offices Wood Product Manufacturing etc) Classifications Requiring Supplemental Applications: Applications available at www.ric-ins.com Animal Services Program Amusement Device Program Contractors Questionnaire Day Care/Preschool Detective and Investigative Agency Event/Party Planners & Coordinators Excavators and Graders of Land Exercise and Health Studio Farm Liability Salvage Yard/ Rebuilding General Contractors Heavy Truck, Bus and Equipment Janitorial Program Landscaping Liquor Liability Martial Arts Studio Motel Program Motorcycle Repair Motorhome & RV Repair Outfitters and Guides Pool Contractors Product Liability Protection Class 9 & 10 Restaurant/Tavern Sports Camps/Clinics/Leagues Tire Dealers Tree Trimmers Vacant Building Classifications requiring Specialty Applications: Alarm, Fire Extinguisher Installation and Repair Beauty & Barber Builders Risk Caterer Condo/Homeowners Associations Exterminators Garage Liability Habitational Half Way House Home Health Care Medical Equipment Supply Store Pool Maintenance/Management Pumpkin Patches/Christmas Tree Lots Push Carts Security Guard Special Event Truckers Warehouse Truckers Warehouse Century Insurance Group Contractor's Questionnaire Century Insurance Group Garage Application
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quote:Originally posted by JahbriaI'm a teen now and i know how rough it is and i know that my teen years are not awesome (at the moment) and i am having a lot of issues about finding myself and where i fit in, in this GIANT world and this poem expresses some of my anguish. So Thank you. Well done and continue to write.
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The Army Network Enterprise Technology Command at Fort Huachuca, Ariz., has a new man at the helm: Brig. Gen. John B. Morrison, Jr., who most recently served as commanding general of the 7th Signal Command at Fort Gordon, Ga.
Morrison, who also formerly headed up the Army's LandWarNet/Battle Command and is a 2012 FCW Federal 100 winner, replaces interim commander Brig. Gen. Peter Gallagher. Gallagher stepped in when former commander Maj. Gen. Alan Lynn was named vice director of the Defense Information Systems Agency in September.
Morrison is set to be succeeded at Fort Gordon by Brig. Gen. John Baker, currently director of the J-6 at U.S. Central Command, MacDill Air Force Base, Fla.
Posted by Amber Corrin on Jan 09, 2014 at 4:52 AM
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Meet 100 women and men who are doing great things in federal IT.
Click here for the full list
Three-time Federal 100 winner is leaving government in July.
Members of Congress heaped hard questions on federal IT leaders at a June 16 hearing and suggested strongly that somebody needs to be fired.
Senate bill carves out exemption for supercomputing and other lab IT; an earlier version of the measure would have exempted the entire Department of Energy.
OPM is partnering with CSID to try to manage the fallout from a massive breach of some 4 million federal personnel records.
Steve Kelman applauds the OMB's move to make career employees "goal leaders" for performance management initiatives -- but wishes it had come far earlier in the administration.
In an exclusive interview, Jimaye Sones, who was Defense Information Systems Agency comptroller from 2005 to 2013, says he was reassigned after revealing questionable accounting practices at the agency.
Through computer forensics training and internships, veterans are helping Immigration and Customs Enforcement tackle a backlog in child exploitation cases.
After two months on the job studying DOD's cybersecurity and IT needs, Secretary Ashton Carter is set to unveil a new Pentagon cyber strategy in Silicon Valley.
The failure of massive federal IT projects can usually be traced to poor management. The solution is as multilayered as the projects themselves.
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Article ID: 2881070 - View products that this article applies to.
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This update KB2881070 resolves a list of issues. This update version is 15.0.4641.1000. Check out the Known issues that may occur after you install this update and the prerequisites before you install the update.
Get the update KB2881070 for Lync 2013
The update is available for download from the Microsoft Download Center.
Download the 32-bit Lync update package now.
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How to install the update
PrerequisitesTo install this Lync 2013 update, make sure that the following updates are installed:
For more information about how to download Microsoft support files, click the following article number to view the article in the Microsoft Knowledge Base:
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119591Microsoft scanned this file for viruses. Microsoft used the most current virus-detection software that was available on the date that the file was posted. The file is stored on security-enhanced servers that help prevent any unauthorized changes to the file.
(https://support.microsoft.com/kb/119591/ )How to obtain Microsoft support files from online services
Restart informationYou do not have to restart the computer after you apply this update.
Issues that the update fixes
This update resolves the following issues:
Additionally, this update resolves the Lync 2013 issues that are described in the following KB articles:
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After you install this update, you may experience the issues that are described in the following Microsoft Knowledge Base articles:
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After the update is installed, the global version of this update has the file attributes, or a later version of the file attributes, that are listed in the following tables.
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This update may not contain all the files that you must have to fully update a product to the latest build. This update contains only the files that you must have to correct the issues that are listed in this article.
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The Office System TechCenter contains the latest administrative updates and strategic deployment resources for all versions of Office. For more information about the Office System TechCenter, go to the following Microsoft website:
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Article ID: 2881070 - Last Review: August 12, 2014 - Revision: 1.0
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It might just be me, but the annual MediaGuardian 100 – just published – provides a lovely insight into the many ways TV touches upon our different media and various parts of our media lives. It is an elegant 'Äì albeit accidental 'Äì exposition of convergence and shows how TV is the strong and consistent thread running through almost every aspect of the media landscape.
The set-up for the list betrays a lingering – though thankfully declining – propensity to play 'old' or 'traditional' media off against 'new' or 'digital' media. The front page introduces the 100 (which comes with a heavy disclaimer on how it was chosen) by saying:
"Back in the heady days of 2001, [the list] was topped by big broadcasters, AOL and someone called Gordon Brown. How things change…This year, more than ever, digital dominates, with the rise of social media bringing new challenges to traditional businesses. Will newspaper bosses ever dominate the lists again?"
Now I can'Äôt answer that last question, and I suspect the answer is no-one really knows.Ý But the direction of travel seems to be most definitely from text to audio-visual, whatever technology or platform you'Äôre looking at. Ý
A Thinkbox interpretation of how TV (an almost entirely digital and very social medium) figures within the top 10 alone will, I'm sure, convince you that TV is truly where it's at.
Here is the top 10:
1. Steve Jobs, Apple: makes flat devices with screens that let you watch more TV; TV on the bus, TV at work. If he could make faded jeans and black roll necks with screens on, I'm sure he would.
2. Sergey Brin and Larry Page, Google: search is hugely driven by TV programmes and ads.Ý Joined the TV business by buying YouTube, a recent convert to 'Äòproper'Äô professional TV, making it another TV platform.Ý Recently announced the coming of Google TV.
3. Mark Thompson, BBC: works for a company that makes some of the best TV in the world, and a pioneer of on-demand TV with iPlayer
4. Rupert Murdoch, News Corp: the Daddy of pay TV.Ý Trying to buy all of Sky.Ý MediaGuardian says he is 'Äòbetting the future on television'Äô
5. Evan Williams, Twitter: nothing gives a better window into how TV's shared 'virtual sofa' encourages real time debate and chatter than Twitter. It would be a lot quieter without TV
6. Simon Cowell: fronts and owns some of the biggest TV shows in the UK (and isn't exactly small on US TV)
7. Mark Zuckerberg, Facebook: owner of the home to countless TV programme and advertising fan pages and conversations. Facebook without TV would be a less exciting, and visited, place.
8. James Murdoch, News Corp and BSkyB: chairman of a major UK TV company
9. Jeremy Hunt, Culture Secretary: obviously will have more than a passing interest in all things TV, especially how it is funded
10. Archie Norman, ITV: chairman of the largest commercial UK TV channel group
And we need not stop at the top 10 (at 11 is Martin Sorrell, who makes a fair bit of money from commercial TV; at 12 is Jay Hunt, controller of BBC1…).
Obviously, even I might struggle to see the TV-ness of some of the people in the 100 (Clay Shirky, [no. 93], for example 'Äì although he was only too happy to use TV interviews to plug his new book, on sale at all good bookshops priced at ¬£20 – or you can get the gist for free here).
But my point is that, although this blog is an obviously TV-centric way of looking at it (radio and newspapers could have a go too), I'Äôd suggest it is as valid 'Äì if not more so 'Äì as banging on endlessly about global 'Äòdigital'Äô technologists.Ý The list should be at least as much about the people who make the content, professional or not, that makes digital platforms, broadcast and online, worth visiting.


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The mission of the Bloomfield Hills Schools Transportation Department is to transport the children of this District safely, in mechanically sound vehicles, to and from school and school activities, with compassion, caring, and courtesy in a safe environment.
The Transportation Department consists of 54 caring bus drivers, a dispatcher, a secretary and a manager. We have 58 buses that are excellently maintained by our mechanics. We have received excellent police inspections for our fleet for the past twenty years. We are very proud of this accomplishment.
We strive for everyone who rides the bus to feel safe and secure and enjoy their bus ride.
Have a safe and happy school year!
They're Headed Back to School!
As students from all over the state get ready for their first day of school, the Bloomfield Hills Schools bus fleet rolled out on test runs, ensuring the first day goes as smoothly as possible. "I believe we have the best bus drivers and mechanics in the state," says Superintendent, Rob Glass. Bloomfield backs that statement with 20 years of perfect bus inspections.
Diane Holden, Transportation Manager of Bloomfield Hills Schools, says that her team's commitment to keeping the buses in perfect inspection condition for twenty years running is impressive. Diane is responsible for ensuring each bus is put through a complete inspection over the summer, so school is able to begin with the least amount of technical problems. Diane and her staff also review each bus route and make changes to optimize efficiency and create the shortest ride possible for each student. It's a task that takes nearly the entire summer to complete.
Kathy Cox was the first bus driver to select her route. Kathy has been a valued employee of Bloomfield Hills Schools since 1988 and has driven this particular route for seven years. After Kathy selected her run, her bus was put through a mirror check and the mechanical team did a final spot check of the bus. During the mechanical check, Kathy noticed a her warning lights were not working properly and a mechanic quickly performed the repair before Kathy headed out on her test run.
As Kathy performed her test run, she highlighted the importance of the warning lights. "We try to make the stops on the right hand side, so the children don't have to run across the street to get to the bus door," she said. "There are certainly spots along my route where cars consistently don't stop for my yellow lights or even my red lights. It's a real concern I have every day and sometimes we will ask the police to help out. I tell all of the students to cross in front of the bus because I control that intersection and they'll be safer that way." She worries about the start of school in particular because the students are eager to get to school and motorists aren't accustomed to seeing and stopping for buses. "They get used to not having us on the road over the summer. So, when school starts back up again, we do our best to make sure cars see us in plenty of time to come to a full stop and ensure the students' safety," Kathy said.
Kathy also talks about discipline on the bus and how her strategy is to get to know the children in her care. With her proactive approach, she says she has very few discipline issues and compliments the Bloomfield Hills Schools parents for being so involved and having such high expectations for their child's behavior on the bus.
Diane says that parents often like to meet the bus driver and take pictures of their student with their bus driver on the first day of school. "I'm the first and last person a child sees in their school day. I know I can be the difference between a child heading home in tears or with a smile. If I get to know each one of them, talk to them, and take an interest in their lives, I can hopefully improve their overall school experience," said Kathy. Superintendent Glass says that a bus driver is a key person in a child's life and can set the tone for the day and the school year.
Click here to view Bloomfield Hills Schools on Click On Detroit.
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Janet Heslet


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JLC News
March 11
Study: 10 Factors to Bar Wrongful Convictions
A new research report from Professor Jon Gould and his team helps identify factors that point to systemic failure in the criminal justice system.
SPA Master's Degree in Terrorism and Homeland Security Policy Ranked Among Top Programs
SPA's Master's program in Terrorism and Homeland Security Policy was recently ranked among the top programs in the U.S. and U.K. by Forensic Outreach, a London-based website.
June 30, 2015
BleakHouse Poetry Press honors social justice writers, artists
BleakHouse Publishing, an independent press founded by School of Public Affairs Professor Robert Johnson recently honored members of the publishing house for their outstanding work.
May 19, 2015
7th Annual Undergraduate Research Symposium Winners Announced
The School of Public Affairs held the 7th Annual Undergraduate Research Symposium held on Wednesday April 22, 2015 with 42 participating students.
April 24, 2015
Professor Johnson's BleakHouse Publishing Releases Powerful Poetry Collection
The independent press recently released a collection of poems deconstructing delusions of race in the criminal justice system.
April 14, 2015
European Union Court of Justice Officials Visit SPA Class
Two officials from the Court of Justice of the European Union, Europe's high court, spoke to a group of School of Public Affairs students on Friday, April 3.
April 9, 2015
JLC Professor Lynn Addington Hosts Conference on Complex Crime Datasets
On February 5-6, Associate Professor Lynn Addington hosted a conference of scholars and practitioners to discuss the challenges of working with complex crime datasets.
February 20, 2015


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Joanna Sleigh
Moriah College
Infinite deferral of meaning
HSC year: 2010, ARTEXPRESS year: 2011
Expressive form: Time-based forms
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