AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

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1 About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that matter most to you by providing secure, customizable coverage; competitive pricing and payment options; loss control strategies that can help prevent claims; techniques that can reduce the impact of the claims that do occur; and excellent service. Berkshire Hathaway is licensed to write select lines in 47 states plus the District of Columbia. In 2013, our insurance company subsidiaries (Am, East, Nor, and West) insured 73,000 businesses. History suggests that about nine out of ten of them will renew with us! Berkshire Hathaway Advantages Competitive basic rates with price discounts for qualifying businesses. An easy application process. Quick underwriting responses. A variety of installment payment options. An Internet-based Policyholder Service Center. Valuable loss control services. Toll-free Claims Reporting and Customer Service Hotlines. Fair and prompt claims settlements. An understanding of your circumstances and challenges! Berkshire Hathaway Insurance Companies Home Office Wilkes-Barre, Pennsylvania Ver 8/2015

2 Workers Compensation Insurance Available in the states highlighted below. CA OR NV ID UT MT CO SD NE KS MN WI IA IL MO MI IN KY NY PA WV VA ME VT NH MA RI CT NJ DE MD DC YOUR EMPLOYEES; YOUR BUSINESS. NC AZ NM OK AR TN SC MS AL GA HI TX LA AK FL Berkshire Hathaway s Workers Compensation insurance offers many flexible options and value-added services that can make your workplace safer and your bottom line stronger! For example... Qualifying businesses can earn return premium as part of our Dividend Programs. A variety of payment options exist, including payroll billing. Our unique Cooperative Care sm program offers customized loss control, medical management, subrogation, and fraud prevention strategies.

3 Businessowner s Insurance Available in CA, CT, GA, IL, KS, MA, MD, MI, MN, MO, MS, NC, NH, NJ, NY, PA, SC, TN, TX, and VA. YOUR PROPERTY; YOUR BUSINESS. Tailored to small- to mid-sized operations, Berkshire Hathaway s Businessowner s Policy helps you protect your financial resources. Our product offers: All the major business property and liability coverages. The availability of many specialized endorsements, including ones specifically targeted for artisan contractors, restaurants, professional offices, and retail and service establishments. Optional increased limits. The flexibility to customize your coverage to your unique circumstances. A variety of price discounts.

4 Commercial Auto Insurance Available in NJ, PA, and SC. YOUR FLEET; YOUR BUSINESS. An ideal complement to our Businessowner s Policy, our Commercial Auto coverage was designed for vehicles: Having values of $75,000 or less and a maximum gross weight of 45,000 pounds. Involved with local and intermediate travel up to a 200-mile radius. Our product includes: Liability, Physical Damage, and Statutory Coverages. A S-T-R-E-T-C-H Endorsement that can add a variety of extras at minimal cost. Optional increased limits.

5 Commercial Umbrella/Excess Available in CA, CT, GA, IL, KS, MA, MD, MI, MN, MO, MS, NC, NH, NJ, PA, SC, TN, TX, and VA. (Excess is available in NY.) YOUR FINANCES; YOUR BUSINESS. Our Commercial Umbrella/ Excess Policies give your organization an additional tier of protection, typically extending existing limits as well as your financial security. Our policies feature: The ability to attach over a variety of Liability coverages. A particularly quick and easy process when all the underlying policies are Berkshire Hathaway s (just a few simple questions are asked!). The availability to cover other carriers policies as long as at least the Businessowner s (or, in the case of Umbrella, the Commercial Auto) is ours.