PROGRAMS OVERVIEW. Specialized Business Insurance for Specialized Industries. Program Target Accounts Coverages Contacts

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1 Specialized Business Insurance for Specialized Industries PROGRAMS OVERVIEW With the expertise gained from more than 20 years of successful program management backed by the strength of the nation s largest, top-rated carriers NIP Programs provides brokers and their clients with custom-tailored coverage, exceptional support and service, and financial stability through all market cycles. We use our deep industry knowledge to develop unique underwriting, loss control and claims service models, valued by both agents and their clients alike. For each program we offer, we ve studied the industry to better understand the challenges and risks faced by business owners from complying with regulatory issues to staying current in their respective fields. The result? Each program has been carefully designed to meet the specific needs of these unique business types, providing our insureds with outstanding coverage, responsive support, and all at competitive prices. Program Target Accounts Coverages Contacts GlassPro For Glass Manufacturers, Dealers, and Installers Glass and Glazing s (Glaziers) Glass Merchants Glass Installers Auto Glass Repair & Installation (On and Off-Site)NOTE: 75% of payroll must be within these classes Risks working within NYC s 5 boroughs Risks performing work in excess of 6 feet in height within the state of New York Risks working in Cook County, IL General Liability (limits up to $1M per occurrence/$2m aggregate) Product Liability (limits up to $1M per occurrence/$2m aggregate) Auto Liability (limits up to $1M per occurrence) Property / Inland Marine (limits up to $500K) (limits up to $10M) Minimum Premium: $1,000 GL AD&D Coverage (limits up to $100,000) Replacement Cost for Glass Racks GL Amendatory Endorsement Additional Insured Required by Written Contract Waiver of Subrogation Available Primary Wording Available Enhanced Building and Personal Property Forms (866) [email protected] Additional Coverages Computer Equipment $250,000 Media, Electronic Data & Programs $100,000 Coverage Extensions Accounts Receivable Records $100,000 Personal Effects and Property of Others $25,000 Property off Premises $50,000 Off Premise Utility Failure Property Damage $100,000 NOTE: This document is for informational purposes only. Only a policy can provide the actual coverages, conditions, exclusions, premiums, and deductibles. This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy by NIP Group, all rights reserved. NIP Programs Overview Page 1 of 8

2 GrowPro For Greenhouse Growers, Independent Garden Centers and Nursery Growers Greenhouse Growers Independent Garden Centers Florists Hybrids Livestock on Premises Selling or Growing of Fruits and Vegetables (Transplants acceptable, must sell directly to grower) Operations with Fewer than 3 Employees, Including Partners and Owners Agricultural Crop Spraying Snow Removal (Limited snow removal may be acceptable) General Liability Premises and Operations (limits up to $1M per occurrence/$2m aggregate) Auto Liability (limits up to $1M per occurrence/$2m aggregate) Property, including Equipment Breakdown and Spoilage Product Liability (limits up to $2M) (limits up to $20M) Minimum Premium: $2,500 Package Coverage for buildings, greenhouses and crops for losses due to fire, wind, collapse, hail, failure of utility services and boiler or equipment breakdowns Stock coverage for outdoor plant inventory up to $250,000 Growing stock covered at selling price Limited pollution liability coverage for pesticide application Coverage limits can be tailored to seasonal fluctuations of crop & inventory (866) [email protected] HVAC Pro For Heating, Ventilation, Air Conditioning & Refrigeration s AC Systems, Refrigeration Systems, Equipment Dealers, Heating or HVAC Sales, Installation, Service, Repair, Sheet Metal s (Outside OR shop-only) Accounts performing work as a General or Paper Accounts performing work on new tract housing and new condo projects General Liability Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate) Auto Liability & Physical Damage ($1M Combined Single Limit) Property (limits up to $3M Total Insured Value) Blanket Additional Insured Blanket Waiver of Rights Primary Non-Contributory Completed Operations Employee Benefits Liability Limited Jobsite Pollution Liability InteriorScapePro For s providing Indoor Plant Installation & Maintenance 25% or more indoor plant maintenance or indoor landscape Installation/construction including living wall features and rooftop landscapes/green roofs General Liability ($1M per occurrence/$2m aggregate) Business Auto Liability ($1M combined single limit) Property Inland Marine Crime Workmanship Error Endorsement Pesticide or Herbicide Applicator Coverage Limited Pollution Liability Extension Endorsement Page 2 of 8

3 IrrigationPro For s providing irrigation for Lawns and Golf Courses Sprinkler and Irrigation Installation and Repair Pesticide Applicators (non-aerial) Excavations Site Preparation Land Improvement and Grading One-Person Operations Accounts performing work as General or Paper Environmental remediation/abatement contractors NYC 5 Boroughs General Liability Premises and Operations (limits up to $1M per occurrence/$2m aggregate, $2M products/completed operations aggregate) Auto Liability& Physical Damage ($1M combined single limit) Property (limits up to $3M total insured value) Blanket additional insured Per-project aggregate Blanket waiver of rights Employee benefits liability Limited jobsite pollution liability Employment Practices Liability Insurance (EPLI) LandPro TreePro For Landscapers, Tree Services, and Arborists Landscape Gardening Lawn Care Services Tree Pruning Tree Repair and Removal Spraying Operations Hardscaping Limited Snow Removal: must be less than 30% of total operation Logging Operations and Lumberyards 100% Green Waste Recycling Operations 100% Consulting Work Aircraft and Crop Spraying General Liability (limits up to $1M per occurrence/$2m aggregate) Auto Liability (limits up to $1M per occurrence) Property (limits up to $1M) Inland Marine (limits up to $1M) (limits up to $5M) Note: We have the ability to increase Umbrella to $25M, contact us for details Crime (limits up to $100K) Minimum Premium: $1,000 GL without auto; $1,500 with auto Errors & Omissions Specialized coverage for pesticide and herbicide spraying operations Limited job site pollution Custom Coverage for bucket trucks, cranes, and tub grinders\ For Landscapers and Incidental Tree Work LawnCarePro For Lawn Care Service Providers and Applicators of Pesticides, Herbicides, and Fertilizers Structured to meet unique risks faced by applicators of lawn and tree pesticides; herbicides; and fertilizers. Broadest portfolio of specialized coverages, fills gaps left by other insurance programs. Target Classes with 25% (or greater) application of lawn and tree pesticides, herbicides, and fertilizers. General Liability ($1M per occurrence/$2m aggregate) Business Auto Liability ($1M combined single limit) Property Inland Marine Crime Program is admitted in all states and can be written in 45 states ) Workmanship Error Endorsement Pesticide or Herbicide Applicator Coverage Limited Pollution Liability Extension Endorsement Page 3 of 8

4 LightscapePro For s who install or maintain outdoor lighting systems 50% or more outdoor lighting installation Installation/Construction including: outdoor lighting, related landscape installation and maintenance, irrigation installation and maintenance and holiday lighting General Liability ($1M per occurrence/$2m aggregate) Business Auto Liability ($1M combined single limit) Property Inland Marine Crime Pesticide or Herbicide Applicator Coverage Limited Pollution Liability Extension Endorsement MaintenancePro For Commercial Cleaning and Maintenance Services Janitorial services Indoor and outdoor maintenance Window cleaning Carpet and upholstery cleaners High tech clean rooms Pest Control Services Exterior Window Cleaning over 3 Stories HVAC Maintenance Healthcare Facility Maintenance that involves bio waste Industrial Equipment Refineries or Petrochemical Facilities Snow and Ice removal (incidental exposure may be acceptable). General Liability Premises and Operations (limits up to $1M per occurrence, $2M aggregate) Product Liability (limits up to $1M) Auto Liability (limits up to $1M CSL) Property Inland Marine Crime Coverage (limits up to $25M) ISO Janitorial Services Endorsement Employee Dishonesty Client s property Client s Loss of Use Resulting from Employee Theft Lost Key and Lock Replacement Coverage Property Damage to Client s Property caused by Insured s Work Property Coverage (first party) for Client s Personal Property in care, custody or control of insured Your Work Coverage Reimbursement to Insured (reasonable expenses) Limited Pollution Coverage Including cleanup (limits up to $300K) Blanket additional insured Business Income Dependent Properties (866) [email protected] PetPro For Pet Care professionals Pet Care Service Providers for companion pets Veterinary Practices and Hospitals Animal Welfare Organizations Pet Supply Retailers Pet Rescue Operations Animal Shelters Not-for-Profits Pet-Related Associations Professionals caring for large animals Establishments involved in the sale of companion pets General Liability Premises and Operations; Professional Liability (up to $3M) with Consent to Settle; Directors and Officers Liability; Property; Business Income (Disaster Recovery); Inland Marine (includes specialized and mobile equipment); Auto (including truck contents); Products and Completed Operations; Crime; Product Recall by Governmental Authority; Excess Coverage (up to $5M); Employee Dishonesty; Evacuation and Relocation; Crisis Management Expense Reimbursement; Defense Expenses (for cruelty allegations); Loss or Damage to Companion Pets; Coverage for; Volunteers and Fosters; Animal Bailee (coverage for companion pets in your care); Adoption Denial Coverage; Pet Adoption and Special Events Coverage; Pet Foster Parents Liability Coverage; Employee Practices Liability (EPLI); Argo Claim website [email protected] (P&C) [email protected] (Comp) All U.S., EXCEPT for AK, FL, HI, and LA Page 4 of 8

5 PlumbingPro For Plumbing contractors Plumbing s Accounts performing work as a General or Paper Accounts performing work on new tract housing and new condo projects General Liability Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate) Auto Liability & Physical Damage ($1M Combined Single Limit) Property (limits up to $3M Total Insured Value) Blanket Additional Insured Blanket Waiver of Rights Primary Non-Contributory Completed Operations Employee Benefits Liability Limited Jobsite Pollution Liability PowerPro For Electrical s Electrical s Electrical Apparatus Installation, Service, and Repair Accounts performing work as a General or Paper Accounts performing work on new tract housing and new condo projects General Liability Premises and Operations (up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate) Auto Liability & Physical Damage ($1M Combined Single Limit) Property (limits up to $3M Total Insured Value) Blanket Additional Insured Blanket Waiver of Rights Primary Non-Contributory Completed Operations Employee Benefits Liability Limited Jobsite Pollution Liability Workers Compensation (Statutory Limits Page 5 of 8

6 SignagePro For Fabricators or Installers of Signs or Awnings Sign Manufacturers Sign installation Outdoor Advertising Sign Shops Awning shops (Note: 75% of payroll must be within these classes.) All U.S., EXCEPT for AK, HI, and NYC s 5 boroughs AK, HI, and NYC s 5 Boroughs Risks working in NYC s 5 boroughs or performing work in excess of 6 feet in the state of New York. Risks working in Cook County, IL. General Liability (limits up to $1M per occurrence/$2m aggregate) Product Liability (limits up to $1M per occurrence/$2m aggregate) Auto Liability (limits up to $1M per occurrence) Property / Inland Marine (limits up to $500K) (limits up to $10M) Limited Pollution Liability Extension Endorsement Garage Keeper s Liability Minimum Premium: $1,000 GL Printers Errors & Omissions Liability Coverage Liability coverage for truck-mounted cranes and installation AD&D coverage (limits up to $100,000) GL Amendatory Endorsement Additional Insured Required by Written Contract Primary Wording and Waiver of Subrogation available Employee Benefits Liability Enhanced Building and Personal Property Forms Additional Coverages: Computer Equipment ($250,000); Media, Electronic Data & Programs ($100,000) Coverage Extensions: Accounts Receivable Records ($100,000); Personal Effects and Property of Others ($25,000); Property off Premises ($50,000); Off Premise Utility Failure Property Damage ($100,000) (866) [email protected] SitePro For Site Preparation and Land Improvement s Excavation Site Preparation Land Improvement Grading of Land Paving s Accounts performing work as a General or Paper Underground storage tank removal, tank construction, cleaning, or repair work (except septic tank work) Environmental remediation / abatement contractors General Liability Premises and Operations (limits up to $1M per occurrence, $2M general aggregate, $2M products completed operations aggregate) Auto Liability & Physical Damage ($1M combined single limit) Property (limits up to $3M total insured value) Blanket additional insured Per project aggregate Blanket waiver of rights Employee benefits liability Limited jobsite pollution liability Page 6 of 8

7 Workers Compensation Workers Compensation Insurance Eligible Package Operations GlassPro For Glass Dealers and Installers GrowPro For Greenhouses, Garden Centers and Nurseries HVACPro For AC, Refrigeration, Heating and HVAC s InteriorScapePro For Indoor Plant Maintenance and Landscape Installation IrrigationPro For Irrigation and Pesticide Application s LandPro TreePro For Landscapers LawnCarePro For Pesticide, Herbicide, and Fertilizer Applicators LightScapePro For Outdoor Lighting Design and Installation MaintenancePro For Cleaning and Maintenance Services PetPro For Pet Care Professionals PlumbingPro For Commercial Plumbing s PowerPro For Electrical s SignagePro For Sign, Display, and Awning Companies SitePro For Excavation, Site Prep and Paving s Available in All States (based on operation) PAYGO (Pay As You Go) option available MSA (Monthly Self Audits) available Minimum Premium as low as $1,000 (based on individual program and risk) For Travelers Comp (800) For AmTrust Comp For Argo Comp [email protected] Available in 48 Contiguous States (based on operation; Not available in AK or HI) Cyber Liability Insurance for Cyber, Privacy and Media risks Cyber, Privacy, and Media is applicable to a wide range of companies, as most businesses have an exposure to these risks. Examples Include: Website operators and e-tailers Healthcare providers Leisure and entertainment companies Retailers Manufacturers and wholesalers Professional service companies Comprehensive media liability, including coverage for user generated content Advertising and personal injury Defamation, including libel and slander Intellectual property rights infringement Invasion of privacy Blanket professional liability Breach of contract Cyber liability, privacy liability and privacy breach notification costs Commercial general liability Property and business interruption, including cyber perils Employment Practices Liability Insurance (EPLI) Applicable to a wide range of companies, as most businesses have an exposure to these risks. Risk management training Legal help line Background checks Risk financial transfer Help in retention of key personnel assets Help in implementing management Best Practices Page 7 of 8

8 MedEdge Medical Malpractice Insurance for Allied Health Care Professionals Physician Assistants Nurse Practitioners Optometrists Comprehensive medical professional liability insurance solution for Allied Healthcare Providers and select Specialty Physician Classes Professional Liability; Premises Liability; Personal Liability; Good Samaritan Coverage; Defense Cost In Addition to Policy Limits; Consent to Settle; Loss of Earnings; HIPPA Defense Coverage; Administration Hearing Defense and License Defense; Biomedical Waste Defense Coverage; Personal Expenses; First Aid; Medical Payments; Deposition Expense Reimbursement; Accidental Death; Dismemberment; Paralysis; Occupational Incident - Hepatitis C Benefit; Occupational Incident - HIV Benefit; Invasive Cancer; In-Situ Cancer; Heart Attack; Kidney Failure; Coronary Artery Bypass; Stroke; Major Organ Transplant healthcarefnol@chartisinsurance. com NIP Programs 900 Route 9 North, Woodbridge, New Jersey U.S.A. 1 (800) NOTE: This document is for informational purposes only. Only a policy can provide the actual coverages, conditions, exclusions, premiums, and deductibles. This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy by NIP Group, all rights reserved. NIP Programs Overview Page 8 of 8