FARM UMBRELLA LIABILITY PROGRAM

FARM UMBRELLA LIABILITY PROGRAM COVERAGE LIMIT... 31.2 ELIGIBILITY... 31.2 MINIMUM UNDERLYING REQUIREMENTS... 31.2 INELIGIBLE RISKS AND EXCLUDED EXPOSURES... 31.3 POLICY PERIOD... 31.5 PREMIUM COMPUTATION... 31.5 PREMIUM COMPUTATION FOR LIMITS IN EXCESS OF $1,000,000... 31.7 MAR 2010 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN 31.1

FARM UMBRELLA LIABILITY UNDERWRITING AND RATING GUIDE COVERAGE LIMIT $2,000,000 ELIGIBILITY 1. Policy may be issued to an individual farmer, a farm partnership, or a farm family corporation. 2. Underlying Automobile Liability and Farmowners or Farmers Comprehensive Personal Liability coverage must be written by Germantown Mutual. 3. Motor vehicle reports (MVR s). New Business: MVR s are obtained on all new business. Renewal: The Company will obtain violation data through a third party vendor. This vendor will provide violation data provided to them by state agencies responsible for accumulating such data on all drivers insured by the Company. This information is supplied to the Company four months prior to the renewal of the risk to allow sufficient time to underwrite the account. 4. No policy may be bound by the agent without authorization from the Company. Each applicant or application must be approved by the Company prior to binding umbrella coverage. 5. A signed personal umbrella application must be completed for all new risks. The Farm Umbrella Renewal Questionnaire must be completed and signed every three years for the renewal of each risk. 6. Primary coverages not written by Germantown Mutual will be written in insurance companies with a Best s rating of B+ or better. MINIMUM UNDERLYING REQUIREMENTS Automobile Liability $250,000/500,000 BI and 100,000 PD Un/Underinsured Motorists 300,000 (available only in states which require or this coverage on the Umbrella policy) 1,000,000 Farmowners 300,000 CSL Recreational Vehicles 250,000/500,000 BI or (automated mode of transportation 300,000/300,000 BI and not licensed for road use) 100,000 PD or 300,000 CSL Watercraft Liability 300,000 CSL Note: No Personal Umbrella coverage is available for any watercraft greater than 50 ft. in length or any watercraft requiring a crew. Rental Dwellings 300,000 CSL (1- to 4- family only) Custom Farming 300,000 with receipts in excess of $5,000 31.2 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN MAR 2010

Employers Liability 300,000 CSL or 100,000 BI each accident 500,000 BI policy limit - disease 100,000 BI each employee - disease Business Pursuits 300,000 CSL Retained Limit $1,000 INELIGIBLE RISKS AND EXCLUDED EXPOSURES 1. Professional Liability or Errors and Omissions Liability. 2. Crop dusting by aircraft. 3. Aircraft Liability. 4. Watercraft over 50 feet or requiring a crew. 5. 1 2 passenger designed jet skis exceeding 100 horsepower/900 cc or 3 4 passenger designed jet skis exceeding 120 horsepower or 1000 cc. 6. The following drivers: A. Assigned risk drivers. B. Any driver whose license has been suspended or revoked within the last three years. C. Any driver not eligible under Germantown Mutual s current personal or commercial auto underwriting guidelines. D. Any driver who has been convicted of reckless driving or driving while under the influence of alcohol or drugs within the last 10 years or as limited by state law. E. Any driver with more than two moving violations or at fault accidents in a three year period. 7. Professional politicians and elected or appointed officials (not including town assemblymen, city counsel members or selectmen for towns less than 10,000). 8. Public lecturers. 9. Newspaper reporters, editors, or publishers. 10. Labor leaders. 11. Professional entertainers including athletes and radio and television announcers and telecasters or others who are in the public lime light. 12. Any person who has been sued for libel and slander. Persons who represent a moral hazard. 13. Law enforcement officials (not including judges, bailiffs, correction officers, probation officers, fire personnel or state/town inspectors). 14. Business pursuits other than the classifications listed in the Premium Computation section of this Guide. 15. Home Day Care exposures involving more than six or as prescribed by state law. 16. Risks with more than eight rental dwellings. 17. Bed and breakfast exposures. Unless the following conditions have been met: A. Each risk shall be inspected by the Company. B. Each room must contain a smoke detector. C. Liquor Law Liability is to be excluded. MAR 2010 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN 31.3

18. Risks with: A. pools with diving boards or slides; B. trampolines; C. unfenced pools; or D. skateboard ramps. 19. Lead poisoning and mold exposures. 20. Farms with another operation on premise which produces a greater income than farming. 21. Farm/ranch operations with gross income exceeding $4,500,000 annually. 22. Any risk in which the underlying policy contains restrictive endorsements or exclusions, such as animal liability, that would cause the umbrella policy to drop to provide primary coverage. 23. Farm operations involved in manufacturing or processing of products by the insured for sale to others (including grain elevators). This exclusion does not apply to dairy farms or to such operations as bunching of vegetables or crating of berries. 24. Race horse farms. 25. Risks with over 15% of farm income in custom farming receipts. However, custom farming receipts cannot exceed $50,000. 26. Resort or Dude ranches. 27. Farms engaged in the business of the transportation of anhydrous ammonia, L.P.G., L.N.G, highly flammable, explosive, or caustic chemicals or gases on public highways. 28. Guided annual hunting lease receipts greater than $20,000 or involving more than 4 hunters. 29. Commercial Operations: A. Hatcheries and Poultry (Layer or Broiler) operations. B. Livestock feedlots when not incidental to a farming operation. C. Greenhouses. D. Mushroom Farms. E. Commercial fertilizer exposures including application, blending, mixing or storage. 30. Corporate Farms, Partnerships and Contract Farm Operations where the owner contracts with other farmers to use his farm machinery to harvest their crops. 31. Farm operations with trucks regularly traveling outside a 200 mile radius. 32. Farm operations with trucks involved in transporting of any goods or products for others except on a neighborly exchange basis. 33. Farm operations with trucks requiring Interstate Commerce Commission, Department of Transportation, Public Service Commission, or Public Utilities Commission filings or any similar filings. 31.4 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN MAR 2010

POLICY PERIOD Annual policies only. PREMIUM COMPUTATION 1. Initial farm (includes 640 acres, $1,500,000 in general farm $90 receipts & $5,000 in receipts for custom farming) 2. Total farm acreage 641 to 1,280 acres $30 Each additional 640 acres $20 3. Each additional residence: $10 4. Rental dwellings: 1- or 2- family units $10 3- or 4- family units $10 5. Horses (charge per animal) $5 6. In-ground and above ground pools (including temporary inflatable) $25 7. Hot tubs No Charge 8. Business pursuits: Bait shop $ 30 Beauty or Barber shop on premises 30 Drapery or dressmaking (no cleaning) 15 Flower shop 30 Gladiolas or other flowers, evergreens or shrubs, including sales 30 Greenhouse on premises, including sales 30 (maximum gross receipts: $2,500 annually) Incidental office, professional, private school 5 or studio occupancy on premises Salesperson - jewelry, kitchenware, cosmetics, toys, clothing, etc. 5 (no sales on premises; no product liability coverage afforded) Salesperson - feed, fertilizer or seeds 15 (no inventory or delivery of products; no product liability coverage afforded) School teachers 5 Shearing of sheep on premises 30 Trailer spaces rented to others (no daily or weekly rentals; 30 maximum of three spaces) 9. Custom farming receipts over $5,000 to $50,000 $2 (charge per $1,000 of receipts) 10. General Farming Receipts $1,500,001 up to $2,500,000 $250 $2,500,001 up to $3,500,000 $500 $3,500,001 up to $4,500,000 $750 $4,500,001 and above Refer to underwriting 11. Private passenger autos, motorcycles and light trucks with gross $45 vehicle weight between 0 and 10,000 pounds 12. Each additional private passenger auto or light truck $30 13. Motorhomes $50 each 14. Medium trucks with gross vehicle weight between 10,000 and 20,000 pounds: 0-100 miles $60 each MAR 2010 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN 31.5

15. Non-owned automobile charge (if no vehicles $10 owned, leased, or regularly used by insured) 16. Antique Vehicles (registered) $25 17. Trailers 25 ft. or less total length No Charge 18. Multiple Trailers (Regardless of the number of trailers owned # of Vehs w/tow only charge for the number of trailers equivalent to the hitch x $45 subject properly equipped vehicle ion the underlying PAP) to 25 ft. or greater 19. Uninsured/Underinsured Motorist Liability Limit Premium Charge Per Vehicle UM UIM Both $300,000 CSL $10 $30 $40 $1,000,000 CSL $19 $56 $75 The above charges apply to each underlying vehicle covered under the PUL regardless of the number of vehicles. Notices provided to the insured will advise of the availability of higher limits and the right to reject UM &/or UIM, by completion and return of the rejection form. UM may be written without UIM or UIM may be written without UM. BI/PD/Um/UIM Limits must be changed to the required underlying limits shown on the revised Schedule of Your Primary Insurance which is included with the PUL Policy declarations if the underlying policy does not already include those limits. The effective date of the endorsement to the underlying auto policy must be the same dates as the renewal dates of the PUL Policy. If the insured rejects the UM &/or UIM coverage, we will endorse the underlying auto back to the previous limits. The notice included with the renewal will inform the policy holder of these actions. 20. Recreational vehicles (snowmobiles, golf carts, 4-wheelers, minibikes, etc.) $15 each 21. Youthful operators (under age of 25) $40 each 22. Full-time employees as youthful operators $40 each 23. Watercraft A. Up to 50 ft. Non powered or less than 25 HP No Charge Sailboats up to 26 ft. No Charge B. Each outboard in excess of 25 HP but less than 50 HP $15 each Sailboats greater than 26 ft. up to 50 ft. $15 each C. Each inboard, outboard, or inboard/outboard (50-300 HP) $25 each Above 300 HP Submit for Approval Sailboats greater than 50 ft. Submit for Approval If approved, rating will apply as follows, multiplied by the $50 minimum charge primary Watercraft liability premium: Underlying Limit Factor $300,000.45 $500,000.40 $750,000.35 $1,000,000.30 31.6 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN MAR 2010

24. Jet Ski 1-2 passenger designed jet ski not to exceed 100 HP or 900 cc $35 each 3-4 passenger designed jet ski not to exceed 120 HP or 1000 cc $40 each 25. Employers Liability: 1-10 employees (full-time working 6 months or more and $10 per part-time working over 40 days, but less than 6 months) employee 26. Personal umbrella coverages for partnerships or corporations: Charge a flat rate of $25 for each partner or corporate officer residing away from the premises. 27. Credits: Higher limits must apply to all similar insured exposures for credit deductions. Maximum of one credit only. Choose one of the following credits to apply: Reduce total premium by: A. $10 Private passenger and light truck* $500/$500 or $500,000 CSL *Not applicable when required as minimum limits. B. $10 FCPL Limit $500,000 or greater C. Increased Self Insured Retention $7 $5,000 $9 $10,000 28. Minimum policy premium: $165. PREMIUM COMPUTATION FOR LIMITS IN EXCESS OF $1,000,000 To determine the premium for $1,000,000 in excess of $1,000,000, take 50% of the premium charged for the first $1,000,000 for the second $1,000,000 of coverage. MAR 2010 GERMANTOWN MUTUAL INSURANCE COMPANY - WISCONSIN 31.7

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