Welcome LETTER FROM OUR PRINCIPALS. p f

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2 LETTER FROM OUR PRINCIPALS Welcome Appalachian Underwriters, Inc. was founded in 1996 upon the principles of providing the products and services that small businesses need. Throughout the past 20 years, our purpose hasn t changed and we stand by that commitment today. We have continued improving and expanding the types of products we provide, such as the Xpress Phone Quote System and the Online Raters for many of our products. Here at Appalachian Underwriters, we are constantly updating, changing and adding services and products to best satisfy the needs of our customers. Please check our website, to stay up-to-date on all of our initiatives to be the best MGA we can be. Our marketing staff is available to answer any questions you may have and to assist with getting your appointment to do business with us. Thank you for taking the time to review our product guide. Call today to discuss how we can partner together to make, Business Made Easy. Sincerely, Robert J. Arowood Principal William M. Arowood Principal p f

3 TABLE OF CONTENTS ABOUT THE COMPANY... 1 AUI AGENT ADVANTAGE... 2 HOW TO GET APPOINTED... 3 MARKETING TEAM... 4 WORKERS COMPENSATION... 5 COMMERCIAL SPECIALTY... 7 BROKERAGE... 9 PERSONAL LINES GARAGE XPRESS QUOTES PEO CONTACT DIRECTORY p f

4 ABOUT OUR COMPANY NATIONWIDE AUI provides coverage in all 50 states and has offices located across the country to better serve over 30,000 agencies. ACCESS TO OVER 150 CARRIERS Our partnership with over 150 carriers allows us to offer a wide range of products and services, as well as offer competitive pricing. CELEBRATING 20 YEARS Founded in 1996, we have been building partnerships with our agents for over 20 years. NATION S 6TH LARGEST MGA Named Nation s 6th Largest MGA in 2015 by Business Insurance. 5-STAR MGA Voted 5-Star MGA in 2016 by Insurance Business America. BUSINESS MADE EASY 1

5 AUI AGENT ADVANTAGE ACCESS TO OVER 100+ MARKETS We offer access to both Admitted and Non-Admitted markets through our partnership with national and regional carriers. ONLINE AGENT PORTAL - RATE, QUOTE, BIND ONLINE AND MORE! XPRESS QUOTES DEDICATED UNDERWRITING AND MARKETING TEAMS AGENT TRAINING WEBINARS AGENT ADVANTAGE REWARDS PROGRAM Our members have access to many perks with our AUI Agent Advantage Program. REWARDS CARD Earn an extra $10 for every eligible new business bind NEW AGENCY REFERRALS Earn an extra $100 for referring a new appointed agency AGENT GIVEAWAYS We hold many different prize giveaways throughout the year EXCLUSIVE AGENT DISCOUNTS Through multiple vendors including Staples, AT&T, Dell Computers, Choice Hotels and rental car companies

6 HOW TO GET Visit our website at and click on the Get Appointed link. Submit completed appointment packet to: or fax to Contact our Marketing Department for questions or assistance at ext The Appalachian Underwriters agent membership offers insurance agents and brokers access to national and regional carriers in both admitted and non-admitted markets. We will provide a dedicated team of professionals aligned by state and region to ensure your agency gets the support it needs to be successful. Becoming an appointed agent has many advantages and places your agency in a competitive position in the market.

7 MARKETING TEAM Contact a Marketing Representative , ext marketing@appund.com Find a Representative in your area at Our Internal Marketing Team collaborates with our Underwriting Team to achieve industry leading service levels. Our team of experienced regional field representatives visit agencies to offer personalized service. We routinely travel the country hosting lunch and learn workshops and trade shows empowering our agents with the knowledge and tools to be successful. We partner with our agents and together it is Business Made Easy. We invite you to visit our website for our schedule of upcoming events! p ext f marketing@appund.com 4

8 WORKERS COMPENSATION Workers Compensation is one of our core lines of business and what our company was founded upon. If there is a case you are working on, odds are we will have a solution for you. CHOICE COMP Auto Body Shops Auto Parts Stores Auto Services Bars and Taverns Beauty Salons Book Stores Clerical Clothing Stores Convenience Stores with Gas Sales Fast Food Restaurants Grocery Stores Hardware Stores Hotels Insurance Agencies Law Offices Liquor/Wine Stores Machine Shops Medical/Dental Offices Pet Stores Pharmacy/Drug Stores Plastics Manufacturing Printing Operations Restaurants with Wait Staff Retail Bakeries (No Delivery) Retail NOCs Tobacco and E-Cigarette Stores Wholesale NOCs HEALTHCARE Assisted and Independent Living Facilities Retirement Communities Nursing Homes Home Healthcare Surgical Hospitals Call for more programs, products and state availability! ACORDs and applications are available online at p p ext. ext f f wcsubmissions@appund.com marketing@appund.com

9 WORKERS COMPENSATION Hard-to-place Workers Compensation is our specialty! Receive an instant premium indication for most construction risks by using our XpressWorkersComp Online Rater! New Ventures, No Prior, Lapses in Coverage, and High Experience Mods are eligible. CONSTRUCTION Acoustical Ceiling Carpet Installation Commercial Construction Commercial Janitorial Concrete Construction NOC Door and Window Installation Drywall Electrical Wiring Excavation and Grading Fence Erection Fire Sprinkler Installation Flat Concrete Framing Hardwood Floor Installation HVAC Interior Trim Landscape Construction Landscape Maintenance Masonry Millwright Painting Plumbing Residential Construction Residential Janitorial Siding Installation Stone and Brick Paver Installation Swimming Pool Construction Tile Installation Welding OTHER RISKS COVERED Aviation Defense Based Act Foreign Manufacturing Professional Employer Organization Transportation Temporary Staffing United States Longshore and Harbor (USL&H) Call for more programs, products and state availability! ACORDs and applications are available online at p p ext. ext f f wcsubmissions@appund.com marketing@appund.com

10 COMMERCIAL SPECIALTY The Commercial Specialty division is focused on providing agents access to a reputable line of carriers offering a wide range of coverages and classes. Our team of dedicated and experienced Underwriters provide unequaled quote turnaround time and policy services. LINES OF BUSINESS Commercial Auto Builder s Risk Contractor s Equipment Cyber Liability Directors and Officers Errors and Omissions Excess Liability General Liability Inland Marine Installation Floater Liquor Liability Property CONTRACTORS (Commercial and Residential) Artisan/General Contractors Carpentry Concrete Drywall Electrical Flooring Handyman HVAC Janitorial Landscaping Roofing Septic Tank Swimming Pool Construction Window Cleaning PACKAGE (General Liability and Property) RESTAURANTS Fast Food Restaurants Bars and Taverns Banquet Halls Night Clubs BUILDINGS Apartments 1,2,3 and 4 Family Dwellings Up To 50% Subsidized Housing Not Age Restrictive Pool Exposure Approved Vacant MISCELLANEOUS Convenience Stores Daycares Grocery Stores Electronics Stores Laundromats Nail Salons Office Buildings Call for more programs, products and state availability! ACORDs and applications are available online at p ext f essubmissions@appund.com 7

11 COMMERCIAL SPECIALTY INLAND MARINE CONTRACTOR S EQUIPMENT Scheduled Equipment Owned Small Tools ($1,000 per item) Employee Tools ($1,000 per item) Equipment Leased or Rented from Others Equipment Borrowed from Others BUILDER S RISK Ground Up Builder s Risk Rehab and Renovation with No Structural Changes Protection Classes 8, 9 and 10 Eligible INSTALLATION FLOATERS Specific Job Versus Blanket All Risk PROFESSIONAL LIABILITY Cyber Liability Directors & Officers Liability Employment Practices Liability Insurance Insurance Agents E&O Management Consultants Non-Profit Directors and Officers Public Officials Real Estate Agents Staffing Tech E&O Temporary Staffing COMMERCIAL AUTO CONTRACTORS (Commercial/Residential) Alarm Installers General Electrical HVAC Fencing Irrigation Floor Covering Landscaping Framing Masonry Painting Plumbing Roofing PEST CONTROL SERVICES APPLIANCE REPAIR DISTRIBUTORS Auto Parts Dealers Beverage Food ENERGY Oil Field Service Natural Gas Service Vehicles Call for more programs, products and state availability! ACORDs and applications are available online at p ext f essubmissions@appund.com 8

12 BROKERAGE Our Brokerage division provides alternative coverage for those hard-to-place accounts and business segments that do not fit within one of our programs. These accounts are typically non-renewed by an admitted carrier or are larger than $10,000 in premium. AVIATION Aircraft Airports Control Tower Liability Drones CONSTRUCTION Airports Alarm Installation Boilers Bridge Repair Commercial Contractors Crane Erectors Demolition Dredging Drywall and Plastering EIFS Fiber Optic Fire Extinguishing Systems Foundation Repair Land Grading New York Contractors Oil and Gas Painting and Waterproofing Railroad Protective Residential Contractors Roofing Street and Road ENVIRONMENTAL Asbestos Abatement Auto Salvage and Scrap Yards Biohazard Response Emergency Response Fire and Water Restoration Green Energy Hazardous Materials Consulting Hazmat Transporters Industrial Hygiene Lead Abatement Recycling, Landfills, Composting and Solid Waste Soil Remediation Storage Tank MARINE Boat Dealer s Inventory Charterers Legal Liability Excess Marine Liability Hull Hull Builder s Risk Marine General Liability Motor Truck Cargo Ocean Marine Protection and Indemnity Available in all states! ACORDs and applications are available online at p f brokersubmissions@appund.com 9

13 BROKERAGE GENERAL CASUALTY Amusement Centers Apartments Automotive Parts Manufacturing Auto, Truck and Manufacturers Cleaning Products Manufacturing Cosmetics, Skin and Hair Care Energy Drinks Manufacturing Exercise Equipment Manufacturing Fertilizer Manufacturing Furniture Manufacturing Green Energy Manufacturing Guns and Body Armor Manufacturing Importers and Distributors Low Income Housing Machine Shops Medical Equipment Rental Metal Goods Office Buildings Paint Manufacturers Plastic Goods Products Liability Prosthetics Manufacturing Real Estate Security Guards - Armed Shopping Centers Sporting Goods Sales and Manufacturing Student Housing Surgical and Invasive Medical Equipment Manufacturing Toys and Games Vitamins Manufacturing HOSPITALITY Bars, Taverns and Restaurants Gentlemen s Clubs Golf Resorts and Club Operations Gun, Hunt and Fishing Clubs Hotels Liquor Liability Night Clubs Sporting and Entertainment PROFESSIONAL LIABILITY Allied Healthcare Cyber Liability Directors and Officers Employment Practices Liability Errors and Omissions Fiduciary Liability Home Healthcare Lawyers Medical Malpractice PROPERTY Aged Properties Apartments Builder s Risk Coastal Property Commercial Flood Condo Hotels Inland Marine Products Layered Programs Poorly Constructed Theft Coverage Vacant Property Wind Coverage p f brokersubmissions@appund.com 10 REAL ESTATE OWNED PROGRAM (REO) Multi-Property Private Investor Real Estate Schedules via Monthly Reporting (Property, Wind, Flood, General Liability, Sinkhole, Earthquake and Loss of Rents) Available in all states! ACORDs and applications are available online at

14 PERSONAL LINES Our Personal Lines division is focused on providing agents access to multiple preferred and specialty products by utilizing the latest technology to self-serve quickly and more accurately. We provide not only raters that afford real-time comparative rating, but also carrier direct solutions where agencies can rate, quote, issue and service policies. Explore our Personal Lines markets! HOMEOWNERS & DWELLING FIRE Builder s Risk Claims Sensitive Coastal Course of Construction Distressed High and Low Value Preferred and Specialty Short Term Rental Specialty Tenant Vacant AUTO Antique Collector and Exotic Classic Kit Cars Preferred UMBRELLA & CPL Celebrity Preferred High Risk OTHER LINES Collections Condo Earthquake Excess Flood Home-Based Business Mobile Home Personal Article Floaters Special Events Watercraft Call for more programs, products and state availability! ACORDs and applications are available online at p f plsubmissions@appund.com 11

15 PERSONAL LINES HIGH VALUE - RELIANCE RISK SOLUTIONS Reliance Risk Solutions was created for risks that are too large or complex for your in-house markets. DWELLING CAPABILITIES No maximum deductible No maximum TIV All occupancy types can be considered Mid-Term COC or Ground Up Construction programs available All protection classes are acceptable Earthquake coverage for Masonry Construction available CBRA Flood Program available COLLECTIONS CAPABILITIES No maximum TIV Flexible deductible options if requested Agreed or Stated Value Loss Settlement Options AUTOMOBILE CAPABILITIES No minimum or maximum value on a single vehicle Agreed value or ACV Loss Settlement available Physical damage only is available WATERCRAFT CAPABILITIES Broad navigational limits available No Maximum Hull Value Liability-only policies available LIABILITY CAPABILITIES Primary or Layered Excess Liability programs available Complex Ownership Structures can be named insured Broad Watercraft Appetite Excess UM Coverage available Primary and Excess CPL Programs available Call for more programs, products and state availability! ACORDs and applications are available online at p f rrs@appund.com 12

16 GARAGE (DEALERS & SERVICES) Our diverse Garage program offers specialized coverage, competitive pricing and an unparalleled service platform. CARpro (Certified Auto Repair Program) General Repair Shops Transmission Repair Shops Glass Replacement Shops Exhaust System Repair Shops LINES OF BUSINESS General Liability Garagekeepers Property (Building and Contents) Workers Compensation MARpro (Mobile Auto Reconditioning Program) Mobile Windshield Repair Mobile Detailing (car washing waxing, interior carpet cleaning) Mobile Headlight Restoration Mobile Paint and Chip Repair Mobile Paintless Dent Repair Mobile Upholstery Services LINES OF BUSINESS General Liability Garagekeepers Non-Owned Auto Liability Property (Building and Contents) DEALERpro (Independent Auto Dealer Program) Auto Wholesalers/Brokers Auto Auctions Dealers with Service and/or Repair Non-Franchised Auto or Truck Dealers LINES OF BUSINESS Garage Liability Fire Legal Liability Dealer s Open Lot Garagekeepers Property (Building and Contents) Workers Compensation Call for more programs, products and state availability! ACORDs and applications are available online at p ext f essubmissions@appund.com 13

17 XPRESS QUOTES ONLINE RATERS WORKERS COMPENSATION Construction Choice Comp (Non-construction, small business risks) COMMERCIAL SPECIALTY Xpress Contractor s General Liability Xpress Inland Marine Commercial Lines Package PERSONAL LINES Automobile Collector Vehicle Comprehensive Personal Liability Dwelling Earthquake Home-based Business Mobile Home Motorcycle Special Events Vacant Dwelling Watercraft XPRESS PHONE QUOTES COMMERCIAL SPECIALTY ext GENERAL & ARTISAN CONTRACTORS Remodeling Contractors Residential Roofing Excavation/Grading Framing BUSINESS OWNERS AND PACKAGE POLICIES SINGLE LOCATION Accounting Offices Law Offices Florist Real Estate Offices Retail Stores Medical Offices HO3, HO4, HO5, HO6, HO8 and DP1, DP3 Low To High Value (No Max TIV) Coastal, Tenant, Seasonal and Vacant Builder s Risk Course of Construction (COC) EXCESS OVER CONTRACTOR POLICES Underlying A Rated carrier Current gross receipts of $5 million or less PERSONAL LINES ext Preferred, Distressed, Loss-Sensitive Canceled, Declined and Non-Renewed Excess Liability & CPL p ext f p f plsubmissions@appund.com

18 PROFESSIONAL EMPLOYER ORGANIZATION A member of the AUI, Inc. family of companies, American Employer Group grew out of a desire to take the insurance philosophy of asset protection and expand it to provide a more comprehensive approach to business services. Our insurance-minded approach allows us to help our partner clients grow their companies while lowering their overall costs. With over 200+ years of combined experience, our team of experts specialize in a wide-range of business solutions, all custom tailored to fit our clients individual needs. Our state footprint continues to expand. Please contact us for state availability. PAYROLL SERVICES 24/7 Access to the Payroll Web Portal for You & Employees Flexible Pay Options, Including Direct Deposit, Pay Cards, and Check Printing Management of Child Support, Wage Garnishment, Tax Liens, and All Other Deductions Time and Attendance Tracking Multi-State Tax Filing File/Pay FICA, FUTA, SUTA, 940/941 Reports, & Generate or Deliver W-2s RISK MANAGEMENT Job Task Analysis Analyze/Recommend Safety Protocols On-Site Inspections Safety Program Development Drug-Free Workplace Coordinate Safety Training OSHA Assistance p info@aegpeo.com 15

19 PROFESSIONAL EMPLOYER ORGANIZATION EMPLOYEE/EMPLOYER BENEFITS Major Medical Health Insurance Voluntary Benefits Dental and Vision Long-Term Disability 401K Plans Pre-Tax Administration Life Insurance Individual & Estate Investment Accounts HUMAN RESOURCES Employee Handbooks Employment Verification Handling of Unemployment Claims & Hearings Background Checks & Drug Screens New Hire Reporting Employee Records Management (HRIS) Employment Termination Practices WORKERS COMPENSATION No Down Payments No Year-End Audits Competitive Rates Dedicated Staff Members to Handle Claims File Workers Compensation Notice of Injury Reports Education for Clients & Injured Workers Fraud Investigations Return to Work Programs ACA EMPLOYER MANDATE COMPLIANCE Hourly Tracking Allows for Variable Hour Measurement Tracking Administration Assistance Tax Filing Management Real-Time Reporting Eligibility Notifications Visibility into Compliance Risks Audit Support & Data Mining Available Distribution of Print/Digital 1095C Forms p info@aegpeo.com 16

20 CONTACT DIRECTORY MAIN LINE: CUSTOMER SERVICE:...ext MARKETING:...ext WORKERS COMPENSATION Rate Online: Submissions: Fax Submissions: Contact an Underwriter: New Business... ext Renewals... ext PERSONAL LINES Rate Online: Phone Quote: ext Submissions: Fax Submissions: Contact an Underwriter: Direct Select... ext Specialty Home... ext High Value All Other... ext COMMERCIAL SPECIALTY Rate Online: Phone Quote: ext Submissions: Fax Submissions: Contact an Underwriter: ext BROKERAGE Submissions: Fax Submissions: Contact a Broker: GARAGE Submissions: essubmissions@appund.com Fax Submissions: Contact an Underwriter: ext PROFESSIONAL EMPLOYER ORGANIZATION info@aegpeo.com Phone: Website: A complete contact directory listing is available online at Oak Ridge Turnpike Suite A-1000 Oak Ridge, Tennessee appund.com COLUMBIA, SC KENNESAW, GA ST. PETERS, MO SANFORD, FL SARASOTA, FL SCOTTSDALE, AZ