PUBLIC SAFETY COMMUNITY

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1 PROTECTION. AT YOUR SERVICE. AUTO HOME BOAT MOTORCYCLE RV Dedicated to the PUBLIC SAFETY COMMUNITY and their families (866) StarAndShield.com

2 It s a wonderful thing to have Star & Shield LOOKING OUT FOR US, just like we re looking out for our community. - Police Officer In Public Safety WE LOOK AFTER EACH OTHER, and to have a company like Star & Shield, in insurance, do the same, really stands out. - Firefighter The service was very personalized. IT WAS LIKE I MATTERED. - Corrections

3 DEDICATED You answered a different calling. Why buy the same insurance? Star & Shield Group is dedicated to providing personal lines insurance services to the Public Safety Community and their families. Our flagship carrier, Star & Shield Insurance Exchange, is a member-owned insurance company providing competitively priced personal auto* insurance with specific coverage and discounts designed for public safety professionals. Star & Shield Group also represents other leading insurance companies for homeowners, renters, rental homes, boats, RVs, motorcycles and umbrella!** Evolving from over 30 years of self-insurance fund management for public safety entities in Florida, we are committed to providing great coverage, service and value to those who put their lives on the line every day. All products can be accessed by calling (866) Call Center Hours (EST): Monday - Friday, 8am - 6pm A licensed Sales & Service Associate is waiting to assist you. Star & Shield Insurance Exchange (SSIE) is a Florida reciprocal insurer licensed by the Florida Office of Insurance Regulation to write personal auto insurance. Membership in SSIE is subject to the Subscribers Agreement and Power of Attorney, and contingent on underwriting guidelines and policy ownership, and subject to change. Membership does not imply any legal ownership or rights to insurance products. Applicants are individually underwritten and must meet eligibility requirements. Some applicants may not qualify for auto insurance and/or all discounts. SSIE policies are nonassessable per Florida Statute and available only in states where SSIE is licensed. Star & Shield Services LLC, which is part of Star & Shield Group, is the authorized agent for SSIE products. Homeowners, Boat, Motorcycle and RV are written through non-affiliated insurance companies and are sold through Star & Shield Services LLC. Purchase of these non-affiliated insurance products does not establish membership in SSIE. Promotional material for descriptive purposes only insurance coverage subject to policy terms.

4 Star & Shield Insurance Exchange is MEMBER-OWNED Member-owned means as a member ( policyholder ) you BENEFIT with the company s success, not outside stockholders. There are multiple ways the profits of Star & Shield Insurance Exchange can be used, including: 1. Keep rates low 2. Enhance coverage(s) 3. Grow the company I'm not just a client, I'M AN OWNER of this company. - Law Enforcement Social Services Organization Employee

5 QUOTES Getting a quote is EASY Star & Shield Group offers personalized service through our dedicated call center. One number is all you need to know for sales, service and claims! For a quote call: (866) Call Center Hours (EST) Monday Friday, 8am 6pm Claims 24 hours a day / 7 days a week For the MOST ACCURATE QUOTE, please have your current policy declaration page available when calling. Star & Shield Insurance Exchange (SSIE) is a Florida reciprocal insurer licensed by the Florida Office of Insurance Regulation to write personal auto insurance. Membership in SSIE is subject to the Subscribers Agreement and Power of Attorney, and contingent on underwriting guidelines and policy ownership, and subject to change. Membership does not imply any legal ownership or rights to insurance products. Applicants are individually underwritten and must meet eligibility requirements. Some applicants may not qualify for auto insurance and/or all discounts. SSIE policies are nonassessable per Florida Statute and available only in states where SSIE is licensed. Star & Shield Services LLC, which is part of Star & Shield Group, is the authorized agent for SSIE products. Homeowners, Boat, Motorcycle and RV are written through non-affiliated insurance companies and are sold through Star & Shield Services LLC. Purchase of these non-affiliated insurance products does not establish membership in SSIE. Promotional material for descriptive purposes only insurance coverage subject to policy terms.

6 Star & Shield Insurance Exchange offers MULTIPLE DISCOUNTS An auto policy with Star & Shield Insurance Exchange* offers multiple discounts, including: Emergency Vehicle Operator Course (EVOC) Continuous insurance with your prior carrier for at least five (5) years Paid in Full Home Ownership Responsible Driver Good Student I TRUST THEM. I trust that they ll do the right thing and if I ever need them, they ll be there. - Retired Police Officer Star & Shield Insurance Exchange (SSIE) is a Florida reciprocal insurer licensed by the Florida Office of Insurance Regulation to write personal auto insurance. Membership in SSIE is subject to the Subscribers Agreement and Power of Attorney, and contingent on underwriting guidelines and policy ownership, and subject to change. Membership does not imply any legal ownership or rights to insurance products. Applicants are individually underwritten and must meet eligibility requirements. Some applicants may not qualify for auto insurance and/or all discounts. SSIE policies are nonassessable per Florida Statute and available only in states where SSIE is licensed. Star & Shield Services LLC, which is part of Star & Shield Group, is the authorized agent for SSIE products. Homeowners, Boat, Motorcycle and RV are written through non-affiliated insurance companies and are sold through Star & Shield Services LLC. Purchase of these non-affiliated insurance products does not establish membership in SSIE. Promotional material for descriptive purposes only insurance coverage subject to policy terms.

7 AUTO Star & Shield Group offers auto insurance through its flagship carrier Star & Shield Insurance Exchange, (SSIE) which is OWNED BY ITS MEMBERS (policyholders). Member BENEFITS include: Automatic liability coverage when driving an assigned government auto for authorized personal use. Reevaluation every 12 months to determine if you qualify for lower rates. Plus, flexible premium payment options including credit card and EFT. ELIGIBILITY MEMBERSHIP in SSIE is open to the following: Personnel of all law enforcement, corrections, fire rescue, EMS and emergency management agencies, divisions or units (local, state, federal, certified, civilian, retirees and credentialed volunteers). Widows and widowers of law enforcement, corrections, fire rescue, EMS and emergency management personnel who died while eligible. Employees and members of not-for-profit professional associations that solely represent law enforcement, corrections, fire rescue, EMS and emergency management agencies or personnel of those agencies. Employees and members of law enforcement, corrections, fire rescue, EMS or emergency management sponsored not-for-profit social service organizations. PARENTS, SIBLINGS, CHILDREN & SPOUSES of the above member categories. Auto Insurance written through Star & Shield Insurance Exchange (SSIE). Promotional material for descriptive purposes insurance coverage subject to policy terms.

8 The Star & Shield DIFFERENCE Dedicated to Law Enforcement, Corrections, Fire Rescue, EMS personnel and their families. Coverages tailored to meet the needs of the Public Safety Community. Competitive rates! YOU DIAL 911 and expect them to be there, that s what I expect from Star & Shield. - Firefighter/Paramedic Endorsed or Supported by:

9 ADDITIONAL PRODUCTS Star & Shield Group has partnered with other leading insurance companies * to provide a diverse line of products and coverages. HOMEOWNERS Available for households with Certified K9 German Shepherds. Online Policy Access. Plus, flexible premium payment options, including escrow (mortgagee bill), credit card and EFT. RENTERS If you are currently renting a home or apartment you may need a renter s policy to protect your possessions. RENTAL HOME (DWELLING FIRE) If you own a home and rent it to someone you may need a dwelling fire policy. FLOOD A flood insurance policy can help protect your home and possessions from this common source of property damage not typically covered on your homeowners policy. UMBRELLA Protects the assets and future income in addition to your primary policies. BOAT With so many boat insurance options, we can provide you with information to help you choose the best coverage for your boat or personal watercraft. MOTORCYCLE Coverage is available to fit your needs and your budget. RV You can select many types of coverage, including Vacation Liability, Full Timer s, Emergency Expense and more. CLASSIC CAR Coverage geared specifically to the car collector. Homeowners, Boat, Motorcycle and RV are written through non-affiliated insurance companies and are sold through Star & Shield Services LLC. Purchase of these non-affiliated insurance products does not establish membership in SSIE. Promotional material for descriptive purposes only insurance coverage subject to policy terms. Promotional material for descriptive purposes insurance coverage subject to policy terms.

10 WITHIN MINUTES they made arrangements for a rental car, told the adjuster where to come see my car, releases were signed and arrangements made to go to the salvage yard and remove my car. - Corrections Officer

11 CLAIMS How are CLAIMS handled? To file a claim call (866) Claims can be filed 24 hours a day / 7 days a week. The goal of Star & Shield Group is to help you return to your pre-loss lifestyle in the most professional manner possible. Star & Shield Insurance Exchange * and the other companies ** we represent strive to minimize the disruption in your life by responding to your needs PROMPTLY & FAIRLY. Star & Shield Insurance Exchange (SSIE) is a Florida reciprocal insurer licensed by the Florida Office of Insurance Regulation to write personal auto insurance. Membership in SSIE is subject to the Subscribers Agreement and Power of Attorney, and contingent on underwriting guidelines and policy ownership, and subject to change. Membership does not imply any legal ownership or rights to insurance products. Applicants are individually underwritten and must meet eligibility requirements. Some applicants may not qualify for auto insurance and/or all discounts. SSIE policies are nonassessable per Florida Statute and available only in states where SSIE is licensed. Star & Shield Services LLC, which is part of Star & Shield Group, is the authorized agent for SSIE products. Homeowners, Boat, Motorcycle and RV are written through non-affiliated insurance companies and are sold through Star & Shield Services LLC. Purchase of these non-affiliated insurance products does not establish membership in SSIE. Promotional material for descriptive purposes only insurance coverage subject to policy terms.

12 PROTECTION. AT YOUR SERVICE. AUTO HOME BOAT MOTORCYCLE RV Endorsed or Supported by: Call Center Hours (EST): Monday - Friday, 8am-6pm Claims: 24 hours a day / 7 days a week (866) StarAndShield.com April 2013

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