Federated National Insurance Company Louisiana Habitational Mercantile General Liability Program Quick Reference Guide

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1 Federated National Insurance Company N.W. 14 Street, Suite 180 Sunrise, Florida Phone FedNat.com Federated National Insurance Company Louisiana Habitational Mercantile General Liability Program Quick Reference Guide Friendly and knowledgeable underwriting staff Competitive Commission / Subject to underwriting approval Program Highlights Waivers of Subrogation require no approval Low minimum premium 300+ GL class codes Blanket additional Insured available Upon request Artisan and Miscellaneous classes No Flat Cancellation unless insured initial on one policy Artisan minimum premiums will payment is a NSF check apply RATE/QUOTE/BIND/POLICY ISSUANCE PROCEDURES: Log into FedNat.com and click on Point of Sale. Then click on Habitational Mercantile General Liability to rate / quote / bind / issue policy. Additional underwriting information requested may include: Picture ( if required) Inspection Report (if required) Loss Runs on risks which develop a premium over $5,000 CERTIFICATES OF INSURANCE: Certificates are generated through the online rating system. Any Certificate requiring special language must be sent to the Company for prior approval. Certificates may not be used to alter any agreements or clauses from that which appears in the policy. The Written Notice of Cancellation must state ten (10) days, unless otherwise requested by the certificate holder and approved by the Company. CLAIMS PROCEDURES Report a claim by calling (800) Any claim information can be ed or faxed to: Fax #: (888) report@FedNat.com DEDUCTIBLE $250 per claim (Property Damage) GENERAL LIABILITY - LIMITS OF INSURANCE Maximum Limits $1,000,000 Each Occurrence Limit $2,000,000 General Aggregate Limit $2,000,000 Products - Completed Operations Aggregate Limit $1,000,000 Personal Injury and Advertising Liability $100,000 Fire Damage Legal Liability $5,000 Medical Payment Expense 1

2 ACCEPTABLE RISKS: Amusement Centers Antique Stores Apartment Buildings (obtain inspection) Appliance Distributors Household Type Appliance Stores Household Type Archery Ranges Army / Navy Stores Art Galleries Not for Art Galleries Other than Not for Athletic Games Sponsored by Insured Not for Athletic Games Sponsored by Insured Other than Not for Athletic or Sports Contests In buildings Lessees Not for Athletic or Sports Contests In buildings Lessees Other than Not for Athletic Programs Amateur Not for Athletic Programs Amateur Other than Not for Athletic Teams professional or semi-professional Auctioneers livestock sales conducted away from the insured s premises Auctioneers sales conducted away from the insured s premises Auctions on premises owned or rented by the insured Bakeries Baker Plants Barber or Beauty Shop Supplies Distributors Barber Shops Bars and Taverns Bazaars operated by the insured Not for Bazaars operated by the insured Other than Not for Beach Chairs and Umbrellas rented to others Beauty Parlors and Hair Styling Salons Beverage Bottler soft drinks carbonated in cans or plastic bottles Beverage Bottler soft drinks carbonated in glass bottles Beverage Bottler soft drinks in metal cylinders Beverage Bottler soft drinks Not carbonated in bottles or cans Beverage Distributors alcoholic other than beer Beverage Distributors Nonalcoholic and beer Bicycle Stores sales and servicing Billiard or Pool Halls Billiard or Pool Table Mfg Bingo Games in public halls or theaters commercially operated Boarding or Rooming Houses Bookbinding Not for Bookbinding Other than Not for Books and Magazines Stores Not for Books and Magazines Stores Other than Not for Bottle and Jar Mfg. glass Not for use under pressure Bottle and Jar Mfg. glass for use under pressure returnable Bottle and Jar Mfg. plastic Nonreturnable Bottle and Jar Mfg. plastic returnable Bowling Lanes Boxes or Containers Mfg. corrugated or fiberboard Building Material Dealers Building Material Distributors Buildings or Premises bank and other financial institutions manufacturing (lessor s risk ) Not for manufacturing (lessor s risk ) Other than Not for manufacturing maintained by the insured (lessor s risk ) Not for manufacturing maintained by the insured (lessor s risk ) Other than Not for Buildings or Premises office premises occupied by employees of the insured Not for Buildings or Premises office premises occupied by employees of the insured Other than Not for Buttons or Fasteners Mfg Camera and Photographic Equipment Stores Candle Mfg Candy or Confectionery Products Mfg Candy or Confectionery Stores Car Washes Car Washes self service Carpet or Rug Mfg Catalog or Premium Coupon Redemption Stores Cemeteries Not for Cemeteries Other than Not for China, Porcelain or Earthenware Mfg Churches or Other Houses of Worship Clock Mfg. 2

3 ACCEPTABLE RISKS cont Clothing Mfg Clothing or Wearing Apparel Distributors Clothing or Wearing Apparel Stores Not for Clothing or Wearing Apparel Stores Other than Not for Club civic, service or social having buildings or premises owned or leased Not for Club civic, service or social having buildings or premises owned or leased Other than Not for Club civic, service or social No buildings or premises owned or leased except for office purposes Not for Club civic, service or social No buildings or premises owned or leased except for office purposes Other than Not for Clubs country or golf Clubs racket sports and handball Concessionaires Concessionaires Check room, shoeshine, or toilet concessions in hotels, restaurants, railroad station, etc Condominiums commercial bank or mercantile, manufacturing or office (association risk ) Condominiums commercial shopping centers (association risk ) Condominiums commercial warehouses manufacturing or private (association risk ) Condominiums residential (association risk ) Copying and Duplicating Services retail *Cotton or Wool Merchants Crematories Not for Crematories Other than Not for Dairy Products Mfg Dairy Products or Butter and Egg Stores Not for Dairy Products or Butter and Egg Stores Other than Not for *Delicatessens Department or Discount Stores Distributors food or drink Distributors No food or drink *Draftsmen Drugstores Drugstores No table or counter service for beverage or food Dwellings one-family (lessor s risk ) Dwellings two-family (lessor s risk ) Dwellings three-family (lessor s risk ) Dwellings four-family (lessor s risk ) Engraving *Equipment, Fixtures, or Supplies for hotels, restaurants, and bar distribution xcu Excavation Express Companies Fabric Distributors *Fabric Stores Feed, Grain or Hay Dealers Fence Dealers *Floor Covering Distributors Floor Covering Mfg. Not carpets, rugs, ceramic stone tiles Floor Covering Stores Florists Formal Wear or Costumes rented to others Frozen Food distributors Fruit or Vegetable Dealers Fruit or Vegetable Distributors Furniture Stores Not for Furniture Stores Other than Not for Garbage. Ash or Refuse Collecting Gardening and Light Farming Supply Dealers Retail See Stores Not food or drink Gemstone Cutting or Polishing Gift Shops Not for Gift Shops Other than Not for Golf Courses miniature Golf Driving Ranges *Greenhouse Erection Grocery Distribution Grocery Stores Halls Not for Halls Other than Not for Hardware and Tool Distributors Hardware Stores Hearing Aid Stores Hobby, Model Maker or Artist s Supply Stores Home Improvement Stores Honey Extracting Hotels and Motels with pools less than four stories Hotels and Motels with pools four stories or more Hotels and Motels without pools or beaches less than four stories Hotels and Motels without pools or beaches four stories 3

4 ACCEPTABLE RISKS cont. or more Hotels and Motels less than four stories (lessor s risk ) Ice Cream Stores Ice Dealers and Distributors Insurance Agents Janitorial Supplies dealers or distributors Jewelry Mfg Jewelry Stores or Distributors Lamp Shade Mfg Lamps or Lanterns Mfg Lamps or Lanterns Mfg. electric Land occupied by persons other than the insured for business purposes (lessor s risk ) Laundries and Dry Cleaners self services Laundries and Dry Cleaning Plants Laundry and Dry Cleaning or Dyeing Receiving Stations Laundry and Dry Cleaning Stores Laundry Rental Service Leather Goods Mfg Libraries Lumberyards Mail Order Houses Manufacturers Representatives Markets Not open air (lessor s risk ) Not for Markets Not open air (lessor s risk ) Other than Not for Markets open air (lessor s risk ) Not for Markets open air (lessor s risk ) Other than Not for Mattress or Box Spring Mfg Mausoleums Not for Mausoleums Other than Not for Model Homes Motels Refer to Hotels and Motels Museums Not for Museums Other than Not for Musical Instrument Stores Newspaper or Magazine Distributors Newsstands Nightclubs, Cabarets and Discotheques Nursery garden Office Machines Mfg Optical Goods Stores Paint, Wallpaper or Wallcovering Stores Painting, Picture or Frame Stores Parking private Parking public open air Parking public shopping centers maintained by the insured (lessor s risk ) Parking public Not open air Parking public shopping centers maintained by lessee (lessor s risk ) Parks or Playgrounds Pet Grooming Pet Stores Photo Finishing Laboratories Photographers Piano Tuning Picnic Grounds commercially operated Plumbing Fixtures Mfg Plumbing Supplies and Fixtures Dealers and Distributors Plywood, Veneer or Veneer Products Mfg. without log processing Printers or Electrotypes Supplies Distributors Printing Not for Printing Other than Not for Produce Handling or Packing Real Estate Agents Recording Studios Records, Tapes and Sheet Music Stores Restaurants operated by concessionaires Not for Restaurants operated by concessionaires Other than Not for Restaurants refreshment stands or drive-ins with tray service Not for Restaurants refreshment stands or drive-ins with tray service Other than Not for Restaurants self service or self-ordering including cafeterias and smorgasbords Not for Restaurants self service or self-ordering including cafeterias and smorgasbords Other than Not for Restaurants with no sales of alcoholic beverages with dance floor Restaurants with no sales of alcoholic beverages without dance floor Restaurants with sales of alcoholic beverages that are less than 75% of the total annual receipts of the restaurants with dance floor Restaurants with sales of alcoholic beverages that are less than 75% of the total annual receipts of the restaurants without dance floor 4

5 ACCEPTABLE RISKS cont. Restaurants with sales of alcoholic beverage that are more than 75% of the total annual receipts of the restaurants with dance floor Restaurants with sales of alcoholic beverage that are more than 75% of the total annual receipts of the restaurants without dance floor Rodeos Rubber Stamp Mfg. or Assembling Sales, Service or Consulting Organizations Saw Mills or Planing Mills Sheet Metal Work shop Shoe Repair Shops Shoe Stores Shopping Centers buildings, or premises Not occupied by the insured (lessor s risk ) Shopping Centers indoor malls buildings, or premises Not occupied by the insured (lessor s risk ) Sporting Goods or Athletic Equipment Stores Stores food or drink Not for Stores food or drink Other than Not for Stores No food or drink Not for Stores No food or drink Other than Not for Supermarkets Surveyors land Not engaged in actual construction Swimming Pools Syrups or Molasses refining, blending or mfg Tailor merchants men or boys Tailoring or Dressmaking Establishments - custom Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening new goods Textile Coating or Impregnating Textile Spinning, Weaving or Knitting Mills Theaters Not for Theaters Other than Not for Theaters drive-in Theaters motion pictures Theatrical Companies traveling Truckers Upholstering Upholstering shop Vacant Buildings factories Vacant Buildings Not factories Not for Vacant Buildings Not factories Other than Not for Vacant Land Not for Vacant Land Other than Not for Variety Stores Not for Variety Stores Other than Not for Vegetable Oil Mfg Vegetable Oil Mfg. by solvent extraction Vending Machine Operations confection, food beverage or ice Venetian Blinds Mfg. or Assembling Veterinarian or Veterinary Hospitals Warehouse cold individual storage lockers Warehouse cold storage public Warehouses Warehouses occupied by multiple interests (lessor s risk ) Warehouses occupied by single interest (lessor s risk ) Warehouses mini warehouses Warehouses private Not for Warehouses private Other than Not for Watch or Watch Case Mfg Water Bottling in siphons Water Bottling in spring or well Not sparkling or carbonated Water Bottling in spring or well sparkling or carbonated Water Softening Equipment installation, servicing or repair Water Softening Equipment rented to others Wood Products Mfg Wood Turned Products Mfg Ticket Agencies Tie, Post or Pole Yard Townhouses or Similar Associations (association risk ) Toy Stores 5

6 REFFERAL RISKS: (may require additional underwriting information) Operations and tenants premises over 6 stories in height Risks with annual premium in excess of $20,000 Any risk in which the principal has been bankrupt in the past 10 years Any risk with a negative net worth BARS & TAVERNS over 5,000 square feet Live entertainment more than 3 nights per week Any risk with a claim within the last 3 years PROHIBITED RISKS: Airports - Aircraft or Flight Operations All Mining or Quarrying Operations Amusement Parks and Carnivals Animals on premises Any risks involved in the manufacture, storage or distribution of ammunition or explosives Bars & Taverns over 10,000 square feet Blasting or Excavating Operations Demolition contractors Governmental Bodies Marine Wrecking, repair, cleaning or demolition of Vessels or barges Natural or artificial fuel gas, butane, propane or liquefied petroleum gases, gasoline or fuel oil No per project or per location aggregates Production of Motion Pictures Property with poor housekeeping, including any visible damage Public or private utility companies Railroads or Contractors performing repair work on Railroad equipment Tunnel or Subway Construction Work on or Navigation of any Ocean-going Vessel Underwriting Questions? Billing Questions? Referrals? TOLL FREE: (800) FAX: (954) ADDRESS: N.W. 14 Street, Suite 180, Sunrise, FL approve@fednat.com Hours of Operation Monday Friday 8:00AM - 5:00PM (ET) 6