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1 Page 1 of 5 Class Code: Classification: Apartment Buildings Authority Premises -Authorized Products/Completed Operations - Included Authorized Rating ISO rated Additional Information Premium Basis Units Required Applications Apartment Supplemental Application Acord Applications Scope of Operations This classification includes apartment complexes that are over two stories in height. Refer to Apartment Hotels -less than 4stories 60015or Apartment Hotels -4stories or more for risks withweekly or daily rentals Refer to the Apartment Buildings -garden classification 60011ifthe buildingis two stories or less. Refer to the Condo and Homeowner Association classification 62003for condo, townhome and homeowner associations. Refer to the Swimmingpools classification 48925for guidelines regardingpools. This classification does not include risks that were built as condos that are still owned by the developer. This classification includes Cooperative (Co-op)Apartment Complexes. Refer to class 32130for habitational exposures on farms. Eligibility Underwriting Requirements l Swimmingpools must meet the underwritingrequirements listed on the SwimmingPool classification l An inspection should confirm that there are no cookinggrills on balconies. l An inspection should confirm that parapeted fire walls exist ifmore than 16units in any one fire division. l Warrant operational smoke detection devices in eachunit (property only). l Exclude Assault and Battery for risks withany subsidized units, risks that provide their own security and risks that have prior A&Blosses. l Buildings must have multiple means ofegress Inspection Order an inspection on all risks.reorder at every third renewal. Submit Prohibit

2 Page 2 of 5 l Risks over 150units per location or complex l Buildings over 75years old and 3stories or more l Previous mold or water damage claims. Must showevidence ofcomplete remediation l Subsidized housingunless Rural Development Authority (elderly housingis prohibited) l Risks built as condominiums but are currently beingleased as apartments l Risks involved in foreclosure, receivership, bankruptcy or owned by a bankor have been within the past 7 years l Buildings over 50% vacant l Student housingincludingfraternities and sororities l Grills allowed on outside balconies or decks l Assisted livingfacilities l Senior housing l Nursingor convalescent homes l Risks withproperty managers as the named insured l Buildings over 6stories that are not fully sprinklered l Buildings over 20stories l HUDSubsidized or Low-Income Housing l Governmental HousingProjects l More than 15% ofunits Hope VIhousing(formerly called Section 8) l Risks required to name Governmental Subdivisions or HousingAuthority as Additional Insured l Individually rented mobile homes l Developer owned condominium risks beingrented out l Apartments without Smoke detectors and multiple means ofegress l Risks withaluminum wiring, fuses or knob and tube electrical systems ISO Notes The followingshall be separately classified and rated: l Occupancy other than for residential purposes l One-to-four family dwellings l Boardingor roominghouses l Indoor parking l Swimmingpools l Bathingbeaches GL Rating Additional Exposures, Class Codes and Charges: Baseball Diamonds and Sports (tennis, basketball, racquetball, etc.) $100each Boat Docks/Slips $50each Boat Ramps $100each Playgrounds $100each Fitness Center $250each SwimmingPool/Hot Tubs See Swimmingpools classification Watchmen/Security Guards (employed)-see Security and Patrol Agencies classification Submit l Risks over 150units per location or complex l Buildings over 75years old l Previous mold or water damage claims.must showevidence ofcomplete remediation l Subsidized housingunless Rural Development Authority (elderly housingis prohibited) Prohibit l Student housingincludingfraternities and sororities l Senior housing, unless community kitchen l Risks withproperty managers as the named insured l Buildings over 50% vacant

3 Page 3 of 5 l Requests for Loss Assessment Coverage for owned condo units l Risks involved in foreclosure, receivership, bankruptcy or owned by a bankor have been within the past 7years l Buildings over 6stories that are not fully sprinklered l Buildings over 20stories l HUDSubsidized or Low-Income Housing l Governmental HousingProjects l More than 15% ofunits Hope VIhousing (formerly called Section 8) l Individually rented mobile homes l Risks withaluminum wiring l Grills allowed on outside balconies or decks Rating Minimum deductible: $1,000 Occupancy Type: apartments s The endorsements listed are standard, but are not all inclusive.evaluation ofthe riskmay require additional endorsements not listed. Interline IL 0017 Common Policy Conditions Exclusion ofother Nuclear, Biological, Chemical or Radiological Acts ofterrorism Insurance Policy Jacket Minimum Earned Premium Retained IL 0021 Nuclear Exclusion Schedule ofendorsements Service ofsuit Exclusion -Canines Use State specificform ifapplicable ifthere have been prior dog bite claims Actual CashValue Defined CP 0010 Buildingand Personal Coverage CP 0090 Commercial Conditions Exclusion ofpathogenic or Poisonous Biological or Chemical Material

4 Page 4 of 5 IL 0415 Protective Safeguards Warrant Smoke detection devices in eachunit that are operational and maintained by semi-annual maintenance program Total or Constructive Loss Clause CP 1010 Causes ofloss -Basic CP 1020 Causes ofloss -Broad CP 1030 Causes ofloss -Special Basis ofpremium Canine Limitation CG 0001 Commercial Coverage Exclusion -Access or Disclosure ofconfidential or Personal Information and Data -Related Liability Exclusions and Limitations Amendatory CG 2144 Limitation ofcoverage to Designated Premises or Project CG 2139 Limitation-Contractual Liability Products -Completed Operations Included in General Aggregate CG 0300 Deductible Liability Insurance Exclusion -Assault and Battery Exclusion -Cross Suits - Associations Do not use ifattaching Canine Exclusion Attachifsubsidized units, when riskis proving security or ifprevious A&B losses. ifthe riskis a Cooperative (Co-op) CG 2152 Exclusion -Financial Services ifthe riskis a Cooperative (Co-op) Exclusion -Water Damage Use ifprior water damage claims Habitability Exclusion in CA ifany

5 Page 5 of subsidized units