Welcome to Harleysville Insurance

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1 Welcome to Harleysville Insurance

2 Meet our Recognized as Good people to know in the markets we serve, Harleysville has gained prominence within the insurance industry with our long-standing record of financial stability and reputation for providing exceptional customer service.

3 Good people to know. Pardon us if our pride is showing, but we think Harleysville people are a cut above. That is why we put our employees and the agents who sell our products at the heart of our brand. Our Good people to know work hard each and every day to make sure all your dealings with us are ethical and satisfying. And, most of all, we strive to ensure that, when you look back on what made you place your trust in Harleysville, you would make those same decisions all over again. Here are some things you should know about our company: We focus on what we do best. We protect small to mid-sized businesses, as well as individuals and families, with quality insurance coverages at competitive prices. We offer a full line of personal, commercial, life and flood insurance products. We have a reputation for providing superior service. Although we rank among the nation s top insurance groups, our employees retain a small-town attitude in pleasing the people they serve every day, especially when it comes to handling claims. Harleysville s commitment to outstanding customer service is what sets us apart from other insurers in the marketplace. We sell our products exclusively through independent insurance agents. Independent agents serve as advocates for insurance consumers, and we understand the trust and commitment that comes with their decisions to rely on Harleysville to protect and serve their valuable customers. You ll be glad you did. 1

4 Business insurance Our core business is protecting business Businessowners programs Commercial package programs Commercial output program Property General liability Automobile Inland marine Crime Workers compensation Umbrella Professional liability (EPLI/Condo D&O) Miscellaneous liability 2

5 We insure businesses of all kinds in towns and cities large and small. In the process, we not only protect the financial future of those businesses, we help the economies of America s communities thrive. Here are just a few reasons why Harleysville is the insurer of choice for a growing number of businessowners throughout the country: Expertise. Even the most careful business can experience loss. Vandals destroy. Buildings burn. Inventory gets damaged. Thieves steal. Employees get hurt. And people sue. Harleysville s insurance professionals have the experience and expertise to ensure that our business customers are protected against risks that can threaten the health of their companies, and the livelihood of the employees who need it to survive. Tailored insurance protection. Harleysville offers specific insurance programs to meet the unique needs of a wide variety of businesses from professional services and retail stores, to contractors and wholesalers. These programs not only ensure comprehensive, tailored protection, they provide better value for the insurance dollars our customers spend. Value-added services. At Harleysville, we give our customers more than just insurance coverage, we provide help. Help in preventing on-the-job accidents and property damage through our loss control services. Help in controlling the cost of medical care associated with work place injuries through our managed care program. Help in providing a vigorous legal defense, and in recovering after a traumatic loss, through our claims resolution experts. Commitment. We seek relationships that last. And there are plenty of agents and insurance customers who have benefited from our products for decades some, for as long as 75 years or more. Our commercial clients look to us for more than insurance coverage. We also help them: Prevent on-the-job accidents and property damage. Control the cost of medical care associated with work place injuries. Return employees to productive work when injuries do occur. 3

6 Personal insurance Peace of mind, help in a hurry Automobile Homeowners/condominium owners Renters Dwelling fire Inland marine Boat Excess liability Note: Not all products may be available in all of our operating states. 4

7 We ve been insuring drivers for almost as long as cars have been around. We also insure homes, condos, boats and just about anything else people need to protect from financial loss. Property owners and renters turn to Harleysville for insurance against all types of calamities, from kitchen fires and stolen jewelry, to shattered windows and slip-and-fall injuries to houseguests. The type of insurance and level of coverage can be designed to fit any lifestyle... whether our customer wants to insure the contents of a small apartment or a high-value residence complete with a homebased business office. For youthful drivers, mature drivers and everyone in between, we offer quality automobile insurance with multiple pricing and savings features to reward our most responsible motorists with the best rates. When our policyholders experience an accident, we offer a host of service options to make life easier while repairs are being made. Captains and crew members also can turn to Harleysville for protection against special perils of the seas, bays, lakes and rivers. Our pleasure watercraft coverage goes with them from the waterways to the highways, protecting their investment during transport and in dry storage. Harleysville s independent repair networks play an important role in providing exemplary claims service to our customers. Through these networks, we provide our policyholders with freedom to select local home- and auto-repair professionals who partner with Harleysville to: Consistently perform quality work. Complete repairs in a timely fashion. Offer services at reduced prices. For customers who want an extra layer of protection over and above their fundamental personal insurance policies, we offer personal blanket excess liability coverage to guard against lawsuits of a catastrophic nature. All of Harleysville s personal insurance customers enjoy: 24-hour claims reporting designed for quick resolution. Payment flexibility, including electronic funds transfer. Numerous opportunities to save, starting with discounts for carrying multiple policies with us. Coverage options designed to fit any lifestyle. 5

8 Life insurance Financial security long into the future Employee benefits Key employee coverage Buy/sell funding Executive rewards plans Retirement savings plans Individual life insurance and annuities Note: Not all products may be available in all of our operating states. 6

9 Long-term financial security is a top priority among Americans today, and the products of Harleysville Life Insurance Company help them achieve it. There s more to business insurance than property coverage or protecting a company s assets against lawsuits. Life insurance and related products are all about maintaining financial stability for a company far into the future for the businessowner and the family, its partners and executives, and, of course, its employees. Businessowners turn to Harleysville Life to help them: Attract quality talent with a full line of employee benefits programs from group life and disability plans to savings and retirement plans that enable their business to compete for top-rated job candidates. Minimize the impact of losing a key employee who has died, with life insurance funds to hire and train a replacement, and to compensate the business for lost sales and profits. Ensure the continuation of the business upon an owner s death, with tax-free funds to finance any number of business transactions, including the buyout of a surviving spouse s equity interest in the business. Keep talent through our executive rewards plans, which provide funds to pay for performance and keep the best people highly motivated to stay with the company. For more than four decades, Harleysville Life has protected the financial futures of families and individuals, as well. When our customers suffer the loss of a loved one, our products provide the funds they need to: Meet funeral and estate settlement expenses. Provide survivor income for the family. Pay off a mortgage or other debts. Ensure an effective wealth transfer plan for loved ones and charity. 7

10 Flood insurance Protecting customers in the eyeofastorm Coastal hurricanes. Violent thunderstorms. Stalled Nor easters. Local downpours. Floods can happen anywhere at any time and flood loss is not covered by standard property insurance policies. To meet this essential coverage need, Harleysville provides protection and personalized service to flood insurance policyholders who understand that someday, they too, could be in harm s way. Harleysville is among the country s largest flood insurance providers who actively participate as a Write Your Own (WYO) Carrier in the National Flood Insurance Program, directed by the U.S. Department of Homeland Security s Federal Emergency Management Agency (FEMA). As a general agent for the federal government, Harleysville issues flood insurance policies whether monoline or in conjunction with other Harleysville products and settles any claims that may result. Flood insurance is available to protect eligible homes, condominiums, apartments and commercial buildings and their contents in communities that participate in the National Flood Insurance Program. Standard flood policies can be purchased by any property owner or renter, regardless of the flood zone in which they are located. Preferred risk flood policies are available to property owners or renters not located in a high-hazard flood zone. 8

11 Harleysville at a glance Leading regional provider of insurance products for small and mid-sized businesses, as well as for individuals and families Founded in 1917 as an auto insurer in Harleysville, Pennsylvania; Harleysville Life Insurance Company formed in 1960 Full line of personal, commercial, life and flood insurance products Operates primarily in 32 states in the Midwest, Mid-Atlantic, Northeast and Southeast regions of the United States Products sold exclusively through independent insurance agents The Harleysville Insurance organization includes Harleysville Group Inc. (NASDAQ: HGIC), a publicly traded holding company for nine regional property/casualty insurance companies. Harleysville Mutual Insurance Company is the majority shareholder of Harleysville Group Inc. Consolidated property and casualty operations of Harleysville Group and Harleysville Mutual produce more than $1 billion of net written premium annually. For more information about Harleysville Insurance, visit our Web site at:

12 Strengthening our reputation At Harleysville, we believe good business practices coupled with ethical conduct and a sense of moral duty and fair play is, was, and always will be a fine way to run an insurance company. Today and every day, we strengthen our Good people to know reputation with every interaction that takes place.... as Good people to know. Harleysville Insurance 355 Maple Avenue Harleysville, PA Z / Harleysville Mutual Insurance Company All rights reserved

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