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					                                                                       Products and Carriers
                                                               Product                                           Carrier
RIC Insurance General Agency / NWC Insurance Services


                                                        Business Owner Polices,   Hartford / Travelers / CNA / Liberty / RIC / Century Surety / Markel /
                                                        Package, and General      Scottsdale / Burlington / Evanston / First Financial / Guilford / Western
                                                        Liability                 Heritage
                                                        Bonds                     Liberty
                                                        Commercial Umbrella       AIG
                                                        Workers’ Compensation     AIG / Hartford / Liberty / C N A / Zenith / Everest / Employers / State
                                                                                  Fund / Travelers / Chartis
                                                        Commercial Auto &         Victoria / Progressive / Hartford / Travelers / Liberty / Penn
                                                        Cargo                     American / CNA / National Indemnity
                                                        Commercial Builders Risk Zurich
                                                        Earthquake                Arch Specialty / Aspen Specialty / Axis Surplus / Beazley Syndicates /
                                                                                  Empire Indemnity / Endurance American Specialty / Essex / Everest /
                                                                                  General Star / Golden Bear / Houston Casualty / Insurance Company
                                                                                  of the West / Landmark American / Lexington / Mt. Hawley / Various
                                                                                  Lloyds Syndicates / Plaza / Praetorian / Princeton E&S / North East/ QBE
                                                                                  Specialty / Rockhill / Scottsdale / Westchester Surplus Lines
                                                        E&O                       ACE / CNA / Beazley / Chartis / Crum & Foster / Hartford / Houston
                                                                                  Casualty / Markel / Philadelphia / ProAssurance Company / Travelers
                                                        D&O                       Ace / CNA / Carolina Casualty / Crum & Foster / Hartford / Markel /
                                                                                  Philadelphia / Travelers / Chartis
                                                        EPLI                      Ace / Markel / Lexington

                                                        Aerospace / Aviation      Chartis / Global Aerospace / USIG -United States Aircraft Group
                                                        Environmental Liability   Liberty Insurance Company / Esses Insurance Company / Century
                                                                                  Insurance Company / Chartis Insurance Company
                                                        Allied Health Care        ProAssurance Specialty Insurance Company / Essex Insurance Company
                                                        Program
                                                        Security Privacy          Hartford / Travelers / CNA / Beazley / Philadelphia / Axis Insurance
                                                        Liability                 Company / Charis Insurance / Essex Insurance Company
                                                        Agriculture Risks         Travelers
                                                        Commercial Surplus        Scottsdale / Western Heritage / Century Surety /
                                                        Lines                     Burlington / Markel / Evanston / Essex / Penn America /
                                                                                  Penn Star
                                                                                  Contact Information
                                                                           Phone: 888-693-7892 • Fax 866-577-7595
                                                                                 Website: www.nwcinsure.com

                                                        The Bind Zone
RIC Insurance General Agency / NWC Insurance Services


                                                        Josefina Lojas       Trainer / Underwriting   2607            jlojas@nwcinsure.com
                                                                             Marketing Representative
                                                        Carol Platt          Trainer / Underwriting   2625            cplatt@nwcinsure.com
                                                        Stacey Massa         Trainer / Underwriting   2687            smassa@nwcinsure.com
                                                        Jesie VonGelken      Triner / Underwriter     2606            jesiev@nwcinsure.com
                                                        Commercial Auto
                                                        Desiree Jackson      Underwriter              2517            djackson@nwcinsure.com

                                                        Business Owner, GL, Artisan Contractrors, Package, Comm Umbrella, EQ, &
                                                        Builders Risk Programs
                                                        Shana Marcheschi     Underwriter              2696            shanam@nwcinsure.com
                                                        Desiree Jackson      Underwriter              2517            djackson@nwcinsure.com

                                                        Brandi Byrne         Underwriting Assistant   2691            bbyrne@nwcinsure.com

                                                        DJ Guinn             Underwriting Assistant   2510            djguinn@nwcinsure.com

                                                        Specialty Underwriter- E&O, D&O, EPLI, Environmental Pollution, Aerospace,
                                                        Aviation, Allied Health Care and Agriculture Risks
                                                        Charles Espinosa     Underwriter- Texas Office 866-400-1989   charlese@ric-ins.com

                                                        Workers’ Compensation Program
                                                        Richard Mann         Underwriter              2624            rmann@nwcinsure.com
                                                        Amanda Sprang        Underwriter              2511            amandas@ric-ins.com

                                                        Bonds Program
                                                        Kris Cover           Underwriter              2620            kcover@nwcinsure.com
                                                        Molly Sell           Underwriter              2632            msell@nwcinsure.com
                                                        Nicole Sutton        Underwriter              2607            nsutton@nwcinsure.com
                                                        Administrative Department
                                                        Ann Marie Wyman      Agent Licensing          2686            awyman@nwcinsure.com
                                                                         Marketing & Surplus Lines
                                                                           Contact Information
                                                        Marketing Representatives Territory                           Contact Information
RIC Insurance General Agency / NWC Insurance Services


                                                        Lizzie Novak                 Northern CA, OR, WA              1-888-693-7892 x 2514
                                                                                                                      lizzien@ric-ins.com
                                                        Jim Pierce                   Greater Reno, Tahoe, Truckee     1-888-693-7892 x7108
                                                                                     Area, Northern NV                 jimp@ltmastos.com
                                                        Jeff Hall                    Greater Las Vegas Area,          1-702-279-8741
                                                                                     Southern NV, AZ                  jeffh@ltmastos.com
                                                        Tricia Stoll                 Orange, San Diego, Riverside     1-800-310-1303 x8216
                                                                                     Counties                         tstoll@nwcinsure.com
                                                        Alex Silva                   Ventura, Los Angeles, San        1-818-235-4648
                                                                                     Bernardino Counties              alexs@ric-ins.com
                                                        Josefina Lojas               All Other (Internal Marketing)   1-888-693-7892 x2687
                                                                                                                      jlojas@nwcinsure.com
                                                        Surplus Lines Underwriters
                                                        Underwriter                  Location                         Contact Information
                                                        Stacey Ziska                 Santa Rosa, CA                   1-888-693-7892 x2613
                                                                                                                      staceyz@ric-ins.com
                                                        Megan Torkelson              Santa Rosa, CA                   1-888-693-7892 x2695
                                                                                                                      Direct: 1-707-648-9943
                                                                                                                      megan@ric-ins.com
                                                        Danielle Rider               Reno, NV                         1-800-752-1873 x7110
                                                                                                                      danieller@ltmastos.com
                                                        Kristy Conrad                Reno, NV                         1-800-752-1873 x7109
                                                                                                                      kristyc@ltmastos.com
                                                        Jennifer Troup-Scott         Las Vegas, NV                    1-702-334-6050
                                                                                                                      jennifert@ltmastos.com
                                                        Teresa Spraggins             Tustin, CA                       1-800-310-1303 x8220
                                                                                                                      teresas@ric-ins.com
                                                        Ryan Stanley                 Tustin, CA                       1-800-310-1303 x8219
                                                                                                                      ryans@ric-ins.com
                                                        Robert Young                 Tustin, CA                       1-800-310-1303
                                                                                                                      roberty@ric-ins.com
                                                        Accounting Contact
                                                        Karen Remmele                Santa Rosa                       1-888-693-7892 x 2635
                                                                                                                      kremmele@nwcinsure.com
                                                                           Personal Lines & CSR’s
                                                                             Contact Information
                                                        Personal Lines Underwriters
RIC Insurance General Agency / NWC Insurance Services


                                                        Underwriter         Location                                 Contact Information
                                                        Stefanie Sifuentes       Reno, NV                            1-800-752-1873 ext 7113
                                                                                 Home Owners & Dwelling Fire         stefanie@ltmastos.com
                                                        Danielle Funches         Reno, NV                            1-800-752-1873 ext 7107
                                                                                 Mobile Homes                        daniellef@ltmastos.com
                                                        Michael Haley            Reno, NV                            1-800-752-1873 ext 7105
                                                                                 High Value Dwellings                michealh@ltmastos.com

                                                        Sharai Boles             Reno, NV                            1-800-752-1873 ext 7114
                                                                                 Personal Umbrella Policies


                                                        Customer Service Representatives
                                                        Our CSR’s have an Alpha split that goes by the Business Name, DBA or the First Name of the
                                                        Insured.

                                                        Kris Cover              #’s A-B   888-693-7892 Ext 2620       kcover@nwcinsure.com

                                                        Amanda McCulloch          C-G     800-752-1873 Ext 7106       amcculloch@nwcinsure.com

                                                        Molly Sell                H-L     888-693-7892 Ext 2632       msell@nwcinsure.com

                                                        Kevin Brock               M-R     888-693-7892 Ext 2623       kbrock@nwcinsure.com

                                                        Nicole Sutton             S-Z     Ext 2607                    nsutton@nwcinsure.com
Acct ID: _____________________________

User ID: _____________________________

Password:____________________________




            Get in the zone with the NWC Insurance Services instant online

                 rating and quoting system and receive a quote instantly.

                                     Step by Step Instructions!
 Begin your quote at www.nwcinsure.com/bind-zone
 Enter your account ID….User Name….Password

 On the “WELCOME AGENCY PARTNERS” Screen
 1. Under Get Information – click on Carrier Availability by Class and State
 2. Enter “ZIP Code” for Business
 3. Click on “Classify the Business”
 4. In the “Search section” … type in the 1-2 word Business description
 5. Select Business type that best describes your risk… It will drill down to “specific business
    type”
 6. Select the class, confirming the Business Classification
 7. Click on “Select this Class”

 ONCE YOU DETERMINE THE CORRECT CLASS
 1. The screen will show you which carriers and what product line they will write
 2. And, will provide you with underwriting notes so that you know if the class is acceptable
 3. If Acceptable…Click on “start a new Full Quote Application”
 4. Once you enter all the information about your risk hit “submit”
 5. Then Click on DASHBOARD and it will show which carriers are beginning to quote
 6. It may take 1-15 minutes ….but that is how fast you will receive a price indication!
 7. If the customer likes the price, you will then convert to a full quote and then hit bind.
 8. The underwriter will confirm the bind the same day!

 REMINDER……NOT ALL OF OUR CARRIERS ARE AVAILABLE ON THE BIND ZONE

 1. If there is not a carrier on The Bind Zone, that will quote your risk….
 2. Then please go to our website www.nwcinsure.com …. click on Products, then select
    Product Type.
 3. Select the application under Product Type and submit to NWC the normal way, either by
    email or fax.
        When in doubt about “THE BIND ZONE” call Jesie 1-888-693-7892 ext 2606.
                                                                 Business Owner, General Liability,
                                                              Commercial Umbrella, and Package Policy
                                                                            Program
                                                                                 Available in all States except AK
                                                                               Limited in some coastal areas of TX
RIC Insurance General Agency / NWC Insurance Services



                                                                     No property GL only in AL, FL, LA, KY, NJ, NY, PA, WY




                                                        NWC offers a variety of Business Owner, General Liability, and Package Policies.
                                                        The Business Owner Policies generally are for accounts up to $50,000 with Package
                                                        Policies covering risks that are larger than $50,000.

                                                        We can quote the Commercial Auto, Workers’ Compensation, and Umbrella policies
                                                        along with the BOP.


                                                                       PO Box 12279, Santa Rosa, CA 95406
                                                                     Phone: 888-693-7892 • Fax: 866-577-7595
                                                                          Website: www.nwcinsure.com
                                                                          BOP, GL, Umbrella & Package
                                                                               Acceptable Classes
                                                        Office Program                    Retail Program - continued               Mailing and Addressing Company
                                                        Accountants                       Bakeries                                 Media Duplication
RIC Insurance General Agency / NWC Insurance Services


                                                        Advertising Agency                Bed & Bath Shops                         Music Recording Studio
                                                        Associations – Prof. or Trade     Banner and Flag Shops                    Nail Salon
                                                        Auditing                          Beauty and Barber Supplies               Optometrists Office
                                                        Bookkeepers                       Beverage Store (Soda, Beer, Wine)        Office Machine Repair
                                                        Book and Magazine Publishers      Bicycle Stores                           Photographic Studio
                                                        Advertising Agency                Books and Magazines                      Piano Tuning
                                                        Architects (non-structural)       Bridal Shops                             Photo Finishing Lab
                                                        Attorney                          Cake Decorating Equip/Supplies           Printers
                                                        Chiropractors                     Cameras/Photo Supply or Repair           Shoe Repair
                                                        Claims Adjusters                  Candy Stores                             Travel Agency
                                                        Clubs – Prof. or Trade            Cards and Stationery                     Videographers
                                                        Commercial Artist                 Carpet, Rugs & Floor Coverings           Veterinarians
                                                        Computer Consultants              Clothing Stores                          Watch / Jewelry Repair
                                                        Consulting, Sales Service Org.    Computer & Software Stores               Wholesale Program
                                                        Counselors – Financial Planners   Cosmetics, Toiletries                    Auto Parts
                                                        Draftsmen (non-structural)        Craft Stores                             Barber and Beauty Supply
                                                        Dentist Office                    Curtains and Drapes                      Candy, Nut Confectionery
                                                        Dental Lab                        Coffee & Tea Supplies                    Craft Supplies
                                                        Employment Agency (no temp)       Electrical Supplies                      Hardware
                                                        Engineers (non-structural)        Florists (Real or Artificial)            Pet Supplies
                                                        Graphic Artist                    Musical Instrument Stores                Educational / School Supply
                                                        Insurance Agents                  Party Good Stores (no rental)            Office Machine Equipment
                                                        Interior Decorator                Picture Frames                           Office Supply
                                                        Lawyers                           Restaurant Equip. & Fixtures
                                                        Management Consultants            Sauna and Spa Stores                     Financial Services
                                                        Manufacturer Representatives      Specialty Stores                         Credit Unions
                                                        Medical Offices                                                            Financial Planner
                                                        Office Buildings                  Technology Program                       Insurance Agents
                                                        Ophthalmologist’s Office          Custom Computer Programming              Mortgage Banker / Broker
                                                        Publishers                        Computer Consultants                     Security Broker / Dealer
                                                        Purchasing Office                 Web Site Design                          Title Agents
                                                        Real Estate – Residential                                                  Stock Brokers
                                                        Real Estate – Commercial          Service Program
                                                        Real Estate Appraiser             Answering Service                        Contractors Program
                                                        Retirement Planners               Appliance Repair                         (In business and insured for 3 years)
                                                        Sign Shop                         Auto Glass Shops                         Property & Auto for Many Artisans
                                                        Speech Therapists                 Barber Shop                              Janitor (Commercial Only)
                                                        Tax Preparers                     Beauty Salon                             Carpet / Furniture Cleaning
                                                        Telemarketing Offices             Book Binding                             Communication Equip Installation
                                                                                          Camera Repair                            Manufacturers Program
                                                        Retail Program                    Canvas Goods                             Candy or Other Confectionery
                                                        Appliance Stores                  Cemeteries                               Cutlery and Flatware
                                                        Art Pictures and Posters          Clothing Repair / Alterations / Tailor   Electronic Components
                                                        Art Gallery,                      Copy and Duplication Services
                                                        Art Studios                       Court Reporting Services                 Other Programs
                                                                                          Dressmaking                              Office Buildings
                                                        Artists Supplies
                                                                                          Engraving                                Shopping Centers
                                                        AV Equipment, Sales, Service
                                                                                          Glass Shop                               Restaurants- Travelers-3yrs in business
                                                        Apparel and Accessories
                                                                                          Laundry                                  or brand new-not opened yet, 0-25%
                                                        Auto Parts / Supply Stores
                                                                                          Learning Centers                         liquor sales.
                                                        Awnings and Canvas Good
                                                                                          Locksmith                                Churches - No outdoor activities.
                                                                                                                                   Apartments & Condos- CA
                                                                             Hartford and Travelers
                                                                          Artisan Contractors Program
                                                        Hartford Artisan Contractors requires the businesses to be under the same ownership for 3 years.
                                                        They will write the following classes in most states excluding AK, AZ, CA, FL, GA, LA, NV, or NY.
RIC Insurance General Agency / NWC Insurance Services


                                                        •    Air Conditioning Equipment Installation, Service & Repair
                                                        •    Bricklaying & Tuck Pointing
                                                        •    Cabinet Building/Installation
                                                        •    Carpentry – Finish & Trim Only
                                                        •    Carpet & Furniture Cleaning at the Customers Premises
                                                        •    Ceiling Acoustical Installation
                                                        •    Chimney Construction (Excludes Cleaning)
                                                        •    Communication Equipment Installation – Industrial/Commercial
                                                        •    Concrete Finishing Residential – Foundation/Sidewalks
                                                        •    Driveway, Parking Area or Sidewalk Paving or Repaving
                                                        •    Drywall or Wallboard Installation (Excluding Exterior Insulation Finishing Systems)
                                                        •    Electrical Wiring (Excluding Alarms/Security Cameras)
                                                        •    Fence Installation
                                                        •    Floor Covering Installation
                                                        •    Heating/Combined Heating & Air Conditioning Equipment Installation
                                                        •    Home Appliance Installation
                                                        •    Interior Tile/Stone/Marble/Mosaic Installation
                                                        •    Landscaping
                                                        •    Lawn Irrigation or Sprinkler System Installation
                                                        •    Lighting Installation
                                                        •    Masonry- Limited
                                                        •    Painting (Exterior & Interior)
                                                        •    Plumbing - Limited
                                                        •    Refrigeration Equipment & Systems Installation, Service & Repair
                                                        •    Swimming Pool Cleaning & Maintenance (No pool repair)
                                                        •    TV, Cable, Radio, or Phone Installation
                                                        •    Window Treatment Installation

                                                        Travelers Insurance requires prospects to be new businesses with 3 years of management experience or 3 years in
                                                        under same ownership & insured. Travelers will write these classes in most states with the exception of AK, AZ, CA, FL,
                                                        GA, LA, MT, NY, and Northern Illinois.

                                                        •     Air Conditioning Equipment Installation
                                                        •     Carpentry Interior
                                                        •     Carpet & Floor Covering Installation
                                                        •     Communication Equipment Installation
                                                        •     Concrete Construction
                                                        •     Counter Top Installation
                                                        •     Door or Assembled Millwork Installation (overhead garage door installation for residential risks only)
                                                        •     Driveways, Sidewalks, and Parking Areas
                                                        •     Electrical Wiring Within Buildings (excluding alarms and security cameras)
                                                        •     Excavation – Residential Only
                                                        •     Grading of Land, Site Preparation
                                                        •     Masonry And Other Stone Work
                                                        •     Monument Engraving and Installation
                                                        •     Septic Tank Installation, Service & Repair (excluding cleaning)
                                                        •     Sign Installation and Repair (no risks involving cranes and/or rigging or work on billboards)
                                                                      Artisan Contractors &
                                                                  Contractors Equipment Program
RIC Insurance General Agency / NWC Insurance Services




                                                                    Available in AZ, AR, CA, CO, ID, NV, NM, OR, TX, UT, WA

                                                                       Navigators Artisan Contractors General Liability
                                                                             & Contractors Equipment Program
                                                          • To qualify for this program the contractor must have two years experience!
                                                          • Over 50 Eligible Classifications Available
                                                          • $750.00 Minimum Premium
                                                          • AIX Rated Admitted Carrier
                                                          • Broker Fees Apply

                                                        Get your own online indication on our website at www.nwcinsure.com. If the insured likes
                                                        the price you can fill out the online artisan contractors form and we will give you a firm
                                                        quote.




                                                                         PO Box 12279, Santa Rosa, CA 95406
                                                                       Phone: 888-693-7892 • Fax: 866-577-7595
                                                                            Website: www.nwcinsure.com
                                                                           Artisan Contractors Navigators
                                                                               Program Eligible Risks
                                                        Air Conditioning         Air conditioning
RIC Insurance General Agency / NWC Insurance Services


                                                        Appliance Installation   Appliance Installation Commercial – No residential, apartment work ok.
                                                        – Commercial             No cutting, slicing equipment.
                                                        Appliance Installation   Appliances and Accessories – Installation, service and repair of household
                                                        – Household              appliances & accessories. No commercial appliances.
                                                        (residential)
                                                        Carpentry – Residential Carpentry – Residential Only. Includes non-structural remodeling & repair.
                                                                                All roofing work must be subcontracted. Framing work only not allowed.
                                                                                No exterior work on buildings exceeding 3 stories. Examples: Kitchen &
                                                                                bathroom remodeling & decking.
                                                        Carpentry – Interior Interior – Finish carpentry, includes woodwork, trim, countertop (no tile),
                                                                             wooden doors, cabinet installation, and shelving. No General Contracting,
                                                                             interior room remodel or framing work only.
                                                        Carpentry NOC        Carpentry – Commercial Only. Includes commercial tenants improvements
                                                                             & betterments, repair & replacement. ALL roofing work must be subcon-
                                                                             tracted. NO exterior work on buildings exceeding 3 stories.
                                                        Carpentry – Handyman Handyman – No roofing, foundation repair or new construction. Service &
                                                                             repair work only. Maximum $1,000 per job w/license - $500 w/o license.
                                                        Carpentry – Residential Structural Remodel – Maximum $500,000 Gross Receipts. Work includes
                                                        Structural Remodel      adding square footage such as second story or room additions. All Roofing
                                                                                work must be subcontracted. NO exterior work on buildings exceeding 3
                                                                                stories. Service & Repair and/or Commercial Only Premium Credit NOT
                                                                                available for this class.
                                                        Carpet-Upholstery       Carpet, Rug, Furniture or Upholstery Cleaning – on customer premises
                                                        Cleaning                only, no shop exposure. Only 100% Service/Repair and/or Commercial
                                                                                risks permitted in this class.
                                                        Ceiling / Wall          Ceiling or Wall Installation – metal, acoustic
                                                        Installation – metal
                                                        Communication Equip- Telephone Equipment Installation – wiring, cables & circuits for telephone
                                                        ment Installation       and communications equipment operating at <50 VOLTS. NO telephone
                                                                                line construction, burglar, fire alarm/emergency systems work.
                                                        Concrete Construction    Concrete Construction – Includes pouring, placing & finishing concrete.
                                                                                 Patios, pads, walkways, mow strips, driveways ok. NO foundations or
                                                                                 exterior work on buildings exceeding 3 stores, no pool construction, no
                                                                                 public street, road or highway work. Incidental commercial foundations
                                                                                 allowed (up to 15% of annual receipts).
                                                        Conduit Construction     Conduit Construction – Installation of communication or electrical en-
                                                        – Cable/wire             casement. Max. depth 8 feet. Service & Repair and/or Commercial Only
                                                                                 Premium Credit NOT available for this class.
                                                                           Artisan Contractors Program
                                                                            Eligible Risks - Continued

                                                        Debris Removal – construction Debris Removal – No roof tear-off, soft demo or janitorial work.
RIC Insurance General Agency / NWC Insurance Services


                                                        site
                                                        Door / Millwork Installation – Door/Millwork Installation – No window work. (Service and re-
                                                        Metal                          pair of garage doors ok)
                                                        Drilling – Water                Drilling – Water –Private water drilling with limited agricultural
                                                                                        exposure. No water quality testing or municipal work. Service &
                                                                                        Repair and/or Commercial Only Premium Credit NOT available
                                                                                        for this class.
                                                        Driveway / Sidewalk Paving      Driveway, Parking Area or Sidewalk – Includes asphalt or paver
                                                                                        installation, parking lots, private roads &commercial or residential
                                                                                        driveways or sidewalks. No Public street, road or highway work.
                                                                                        No grading or excavation other than incidental to paving (use
                                                                                        those specific classes if not incidental).
                                                        Drywall                         Drywall or Wallboard Installation – Residential service and repair
                                                                                        only. New commercial OK. No insulation work.
                                                        Electrical – within buildings   Electrical Work within Buildings – no exposure outside of build-
                                                                                        ing including power line construction or pole work. No burglar
                                                                                        or fire alarm system, generator, electrical machinery or auxiliary
                                                                                        apparatus work. No work over 480 volts. Incidental residential
                                                                                        landscape work is OK (up to 15% of annual receipts).
                                                        Excavation                      Excavation – Max depth 12 ft. No Public street, road, highway, ag-
                                                                                        ricultural or building demolition other than outbuildings. Service
                                                                                        & Repair and/or Commercial Only Premium Credit NOT available
                                                                                        for this class.
                                                        Fence Erection                  Fence Erection Contractors – No child-safety or electrically
                                                                                        charged fencing. Incidental automated gates acceptable. No
                                                                                        manufacture of metal fences – erection only with no other welding
                                                                                        exposure.
                                                        Floor Covering – no tile        Floor Covering Installation – No dealers. Installation of carpeting,
                                                                                        laminate and hardwood flooring. Ceramic tile, stone, marble or
                                                                                        terrazzo work should be separately classified as Tile.
                                                        Grading                         Grading – No Public street, road, highway or agriculture work.
                                                                                        Service & Repair and/or Commercial Only Premium Credit NOT
                                                                                        available for this class.
                                                        Heat / AC no LPG                Heating and Air Conditioning Systems – No refrigeration or cold
                                                                                        storage work. Incidental LPG work OK (up to 5% of annual re-
                                                                                        ceipts).
                                                                            Artisan Contractors Program
                                                                             Eligible Risks - Continued
                                                        Household Furnishings House Furnishings Installation- Includes installation of pictures, mirrors,
RIC Insurance General Agency / NWC Insurance Services


                                                                              window treatments and closet organizers. No furniture repair or moving
                                                                              services.


                                                        Janitorial -            Janitorial - COMMERCIAL OFFICES ONLY – No residential expo-
                                                        Commercial              sures, model homes, retail work or sales of chemicals or cleaning sup-
                                                                                plies. Only 100% Service/. Repair and/or Commercial risks permitted in
                                                                                this class.
                                                        Landscape - Gardening Landscape Maintenance & Gardening – Basic landscape/lawn care ser-
                                                                              vice-mowing &/or installation. Over-the-counter fertilizer/weed control
                                                                              or sprinkler installation ok. NO pesticides. Decks (use 91340), decorative
                                                                              retaining walls (use 97447), fountain, pond or cement work other than
                                                                              mow strips (use 915560).

                                                        Masonry                 Masonry – Includes cutting & laying of bricks, block, stone and other
                                                                                unit masonry or clay product and mortar work. Retaining walls over 6
                                                                                feet not allowed BUT perimeter wall over 6 feet ok. No street, road or
                                                                                highway walls or work. NO exterior work on buildings exceeding 3 sto-
                                                                                ries, chimney or cast-in-place concrete work.
                                                        Metal Erection –        Metal Erection – Decorative – Interior work only, non-structural, office
                                                        Decorative              partitions or workstations. Service& Repair and/or Commercial Only
                                                                                Premium Credit NOT available for this class.
                                                        Paint Exterior          Painting Exterior – Buildings and appurtenant structures only, including
                                                        (Under 3 stories)       walkways/fences, surface preparation and faux/texture painting. NPO
                                                                                waterproofing, exterior work on buildings exceeding 3 stories or roof
                                                                                painting. No work on tanks, street and road or bridges.

                                                        Paint Interior          Paint Interior- Bathtub Refinishing ok. No exterior/no waterproofing.

                                                        Paperhanging            Paperhanging – Includes surface preparation, covering walls and ceilings
                                                                                with wallpaper, fabric vinyl or other wall coverings.

                                                        Plaster / Stucco        Plaster or Stucco Work – COMMERCIAL WORK ONLY. No residential.
                                                                                Excludes Exterior insulation and Finish Systems (EIFS) work and exteri-
                                                                                or work on buildings exceeding 3 stories in height. Service & Repair and/
                                                                                or Commercial Only Premium Credit NOT available for this class.

                                                        Prefabricated           Prefabricated Building Erection – Intended for light, non-habitational
                                                        Building Erection       service or outbuildings. No commercial retail usage. Service & Repair
                                                                                and/or Commercial Only Premium Credit NOT available for this class.
                                                                            Artisan Contractors Program
                                                                             Eligible Risks - Continued
                                                        Refrigeration        Refrigeration Equipment – Installation, service and repair of commercial re-
RIC Insurance General Agency / NWC Insurance Services


                                                        Equipment Instal-    frigeration systems. No wholesale cold storage work or Freon, manufacturing
                                                        lation Service       or processing work. Incidental LPG work ok (up to 15% of annual receipts.

                                                        Siding and Gutter    Siding and Gutter – Installation includes soffit/fascia and decorative shutters.
                                                        Installation         No spray on siding/roofing/roof flashings or work on buildings exceeding 3
                                                                             stories. Only 100% Service/Repair and/or Commercial risks permitted in this
                                                                             class.

                                                        Sign Painting        Sign Painting – No sign erection or work over 2 stories. Only 100% Service/
                                                                             Repair and/or Commercial risks permitted in this class.

                                                        Satellite Dish       Satellite Dish Installation – Service or repair – No work on buildings exceed-
                                                        Installation         ing 3 stories in height.

                                                        Septic Tank          Septic Tank Cleaning – No RV, blasting or work below 12 feet. Some restau-
                                                        Cleaning             rant grease trap work ok. Service & Repair and/or Commercial Only Premi-
                                                                             um Credit NOT available for this class.

                                                        Septic Tank          Septic Tank Installation – No RV, blasting or work below 12 feet. Service &
                                                        Installation         Repair and/or Commercial Only Premium Credit NOT available for this class.

                                                        Sewer Mains          Sewer Mains Construction – No work below 12 feet. No blasting. Service &
                                                        Construction         Repair and/or Commercial Only Premium Credit NOT available for this class.

                                                        Tile / Stone         Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of
                                                                             these materials to floors, walls or counter-tops. NO swimming pool work or
                                                                             roofing operations.

                                                        Installation         Tile, Stone, Marble, Mosaic or Terrazzo Work – Installation and repair of
                                                                             these materials to floors, walls or counter-tops. NO swimming pool work or
                                                                             roofing operations
                                                        Water Mains          Water Mains Construction – No work below 12 feet. No blasting. Service &
                                                        Construction         Repair and/or Commercial Only Premium Credit NOT available for this class.

                                                        Water Softening      Installation Servicing and repair.
                                                        Equipment
                            Eligible Contractors Equipment
                             Inland Marine Risks - Navigators
Coverage     Description of Coverage Valuation         Co-       Max Lim-       Deductible Information
Type                                                   Insurance its Avail-     Theft      All Other Perils
                                                                 able           Deductible Deductible
Office      This coverage applies          Replacement    90%    $2,000,000       $2,500        $1,000
Contents    to miscellaneous office        Cost
            contents and equipment,
            furniture and fixtures
            usual and incidental to
            the applicant’s business,
            the applicant’s property
            or the property of others
            for which the applicant is
            legally liable. Earthquake
            and Flood are excluded.
Misc. Tools This coverage is intended      Actual         80%    $2,000,000       $2,500    1% of the
            to cover hand and power                              all contrac-               amount of in-
& Small                                    Cash Value                                       surance on the
Equipment tools such as laser beams,                             tors equip-                item(s) lost or
            transits, surveyor's instru-                         ment (total                damaged but not
                                                                                            less than $500.
            ments, walkie-talkies,                               insured
            radios, cell phones and                              values)
            similar items. The maxi-
            mum value of any one
            tool is $1,500.
Computer This coverage applies to          Replacement    90%    $50,000 to-      $1,500         $500
Systems     the applicant's program-       Cost                  tal insured
Hardware mable electronic equip-                                 values with
            ment that is used to store,                          a $5,000
            retrieve and process data                            maximum
            and other associated                                 for extra
                                                                 expense
            equipment such as print-
            ers.
Computer This coverage applies to          Replacement    90%    $50,000 to-      $1,500         $500
Systems     data stored on media and       Cost                  tal insured
Data &      programming records                                  values with
            used for electronic data                             a $5,000
Media
            processing or electroni-                             maximum
            cally controlled equip-                              for extra
                                                                 expense
            ment. Media includes
            such items as software,
            films, tapes, discs, drums
            or cells.
                             Eligible Contractors Equipment
                             Inland Marine Risks - continued
 Coverage     Description of Coverage           Valuation          Co-         Max        Deductible Information
   Type                                                         Insurance     Limits        Theft     All Other
                                                                             Available    Deductible    Perils
                                                                                                      Deductible
 Computer     This coverage is intended to      Replacment        90%         $5,000       $1,500.   $500.
 Systems      cover those extra expenses re-
              quired to avoid or minimize the      Cost
   Extra      suspension of business and to
 Expense      continue business operations.
Scheduled    This coverage is intended to         Actual Cash     80%       $2,000,000     $2,500    1% of the
             cover equipment such as trac-                                       all                 amount of
   Light     tors, fork lifts, compressors,          Value
                                                                            contractors              insurance on
             portable generators, scaffold-
    and      ing, portable welders, portable                                equipment                the item(s)
  Medium concrete mixers, light plants,                                        (total                lost or dam-
             job site trailers and those small                                insured                aged but not
Equipment tools valued more than $1,500.                                      values)                less than
             Items will be specifically listed                                                       $500.
             and scheduled on the policy.
 Scheduled This coverage is intended to             Actual        80%       $2,000,000     $2,500    1% of the
             cover equipment such as load-                                       all                 amount of
  Heavy      ers, bulldozers, graders, scrap-        Cash
                                                                            contractors              insurance on
             ers, and power shovels. Equip-          Value
Equipment ment used in asphalt plants,                                      equipment                the item(s)
             demolition, dredging, farming,                                    (total                lost or dam-
             logging, mining, oil field,                                      insured                aged but not
             landfill, roofing, scrap yards or                                values)                less than
             cranes, booms, material han-                                                            $500.
             dling conveyer equipment are
             types of equipment that are not
             eligible for coverage.
Installation This coverage applies to materi- Replacement         90%        $500,000      $2,500    $1,000
             als and supplies intended for
  Floater    installation, while in transit and      Cost
             at the job sites or at a premises
             owned or leased by the insured
             if the material is designated for
             installation at a specific job site.
  Rented     This coverage applies to equip-        Actual        80%       $500,000       $2,500    1% of the
             ment rented or leased from                                                              amount of in-
  Leased                                             Cash                                            surance on the
             others. The lease or rental term
             on the equipment cannot exceed          Value                                           item(s) lost or
Equipment 12 consecutive months.                                                                     damaged but
                                                                                                     not less than
                                                                                                     $500.
Ineligible Risks: Woodworkers, cabinet makers, any operation with wood cutting or sawing, bridge building,
demolition, mining, dredging, oil field, scrap yards, warehousing.
                                                                           WC            ORKERS’
                                                                                            OMPENSATION


                                                        Available in all states except the monopolistic states - ND, OH, WA, WV, WY
RIC Insurance General Agency / NWC Insurance Services




                                                        Workers' Compensation coverage is mandated by most states for all employers who
                                                        employ one or more workers. Workers' Compensation coverage is provided to protect
                                                        workers who are involved in a work related accident or suffer a job related injury or
                                                        illness. The standard Workers' Compensation policy form provides coverage for
                                                        medical expenses, temporary disability, permanent disability, vocational
                                                        rehabilitation, and death benefits.

                                                        Rates and premiums are determined based on many factors including the nature of
                                                        work performed by employees, the total payroll paid by the employer, the prior loss
                                                        experience of the business, and the overall evaluation of the employer’s management
                                                        business practices.

                                                                        PO Box 12279, Santa Rosa, CA 95406
                                                                      Phone: 888-693-7892 • Fax: 866-577-7595
                                                                           Website: www.nwcinsure.com
                                                                       Workers’ Compensation
                                                                        Acceptable Classes
                                                        Air-Conditioning Equipment Mfg.                Banks - All employees
                                                        Aircraft Engine Mfg.                           Barber Shops or Beauty Parlors
RIC Insurance General Agency / NWC Insurance Services


                                                        Aluminum Ware Mfg.                             Baths - NOC
                                                        Analytical or Testing Labs - NOC.              Billiard Halls - all employees - incl. restaurant
                                                        Apartment or Condo Complex - all               employees
                                                        employees.                                     Biomedical Research Laboratories
                                                        Apartment or Condo Complex - Prop Mgmt         Bookbinding Operation – All Other Employees
                                                        Supervisors.                                   Bookbinding Operation - editing and office employees
                                                        Apartment or Condo Complex - seniors - all     Bookbinding Operation - Salespersons
                                                        employees.
                                                                                                       Boot or Shoe Mfg
                                                        Apartment or Condo Complex - seniors -
                                                        prop Mgmt super.                               Bottle Dealers - secondhand
                                                        Attorney Support Services including clerical   Bowling Centers - all employees - incl.
                                                        and outside sales.                             restaurant
                                                        Attorneys - all employees.                     Box Mfg - Folding Paper Boxes - NOC
                                                        Audio Post Production.                         Box Mfg - Rigid Paper Boxes
                                                        Audio/Visual Electronic Products Mfg.          Boy and Girl Scout Councils - executive
                                                        Auditors, Accountants.                         secretaries
                                                        Auto Gas Stations - retail - all employees.    Breweries or Malt Houses - including bottling
                                                        Auto or Truck Body and Fender Repairing.       Brick or Clay Product Mfg NOC
                                                        Auto or Truck Dealers - other than sales       Building Material Dealers - Commercial - No 2nd hand
                                                        persons.
                                                                                                       Building Operation - Commercial - All other Employees
                                                        Auto or Truck Engine Mfg.
                                                                                                       Building Operation - Commercial - Prop Mgmt
                                                        Auto or Truck Radiator Mfg.                    Supervisors
                                                        Auto or Truck Repair Shops - no retail gas.    Building Operation - NOC - all other
                                                        Auto or Truck Salespersons.                    employees
                                                        Auto or Truck Service Stations - all           Building Operation - NOC - Property Mgmt Supervisors
                                                        employees.                                     Building or Roofing Paper or Felt Preparation
                                                        Auto or Truck Storage Garages                  Cabinet Mfg. - Wood
                                                        Auto or Truck Transmission Repair              Cabinet or Fixtures – Installation – Portable NOC
                                                        Automobile or Automobile Truck Towing,         Can Mfg
                                                        Roadside Assistance, or Freeway Service
                                                        Patrol                                         Canneries - Fish
                                                        Awning, Tarp, or Canvas Goods Mfg - NOC        Canneries - NOC - including Fruit Preserving
                                                        - shop only                                    Carpet or Rug Mfg - other than jute or hemp carpets
                                                        Bag Mfg - Paper                                Cemetery Operation - all employees
                                                        Bag Mfg - Plastic                              Churches - all employees other than clergy, clerical
                                                        Bag Mfg - Traveling Bags or Hand Luggage       Churches - clergy, clerical
                                                        Bakeries and Cracker Mfg                       Clerical Office Employees
                                                                      Workers’ Compensation
                                                                       Acceptable Classes
                                                        Clock Mfg                                     Door or Window Frame Mfg - metal
                                                        Clothing Mfg - including embroidery Mfg       Door or Window Mfg - metal or combination metal
RIC Insurance General Agency / NWC Insurance Services


                                                        Clubs - Country or golf                       and glass
                                                        Clubs - NOC - All employees                   Door or Window Mfg - wood
                                                        Clubs - Swimming - all employees              Door, Sash or Window Mfg - wood
                                                        Clubs - Tennis or Racquetball - all employees Draftspersons
                                                        Coffin or Casket Mfg - Wood                   Dressmaking or Tailoring - custom exclusively
                                                        College or Schools - Private - not auto - all Drug or Pharmaceutical Prep Mfg – no Mfg of ingredi-
                                                        employees other than professors, teachers or ents – NOC
                                                        professional employees - including cafeterias Dry Cleaning or Dyeing - NOC
                                                        College or Schools - Private - not auto -     Dry Cleaning or Laundry - retail
                                                        professors, teachers or professionals
                                                                                                      Electric Appliance Mfg - NOC
                                                        Computer Memory Disk Mfg - rigid
                                                                                                      Electric Control Panel or Switchgear Mfg
                                                        Computer or Computer Peripheral Equipment
                                                        Mfg                                           Electric Motor Mfg or Repair
                                                        Computer or Computer System Installation, Electric Power or Transmission Equipment Mfg - NOC
                                                        Inspection, Adjustment or Repair – Shop and Electrical Apparatus Mfg - NOC
                                                        Outside–
                                                                                                      Electrical Connector Mfg
                                                        Computer Printing Ribbon Mfg
                                                                                                      Electrical Wire Harness Mfg
                                                        Computer Programming or Software
                                                        Development                                   Electronic Element Mfg - NOC
                                                        Confections and Food Sundries Mfg             Electronic Prepress- all operations
                                                        Coppersmithing - shop                         Elevator Inspecting - no service inspections, oiling or
                                                                                                      repairing
                                                        Corrugated Container Mfg.
                                                                                                      Engineer – Consulting
                                                        Cosmetic, Personal Care Products Mfg – not
                                                        Mfg of ingredients                            Engraving
                                                        Cottonseed Oil Mfg or Refining – inc.         Envelope Mfg
                                                        installation/repair of equip.                 Exercise or Health Institutes - all employees
                                                        Creameries and Dairy Products Mfg             Farm Machinery Dealers - shop and outside
                                                        Credit Unions - all employees                 Fiber preparation - wood
                                                        Crematory Operations - all employees          Fixtures or Lamp Mfg or Assembly - Metal - electric
                                                        Day Care Centers-child-not residential care or gas
                                                        facilities-                                   Florists - cultivating or gardening
                                                        all EEs                                       Flower or Flower Arrangement Mfg - artificial
                                                        Dental Laboratories                           Fruit - citrus fruit packing and handling
                                                        Dentists and Dental Surgeons - all employees Fruit - dried fruit packing and handling
                                                        Distilling - NOC                              Fruit - fresh fruit packing and handling
                                                        Document Duplication or Photocopying
                                                        Service-all employees including clerical andFruit & Vegetable Processing - Fresh - Ready to Eat
                                                        outside salespersons                          Fruit Juice or Concentrate Mfg
                                                                          Workers’ Compensation
                                                                           Acceptable Classes
                                                        Furniture Assembling - other than metal             Leather Goods Mfg - NOC
                                                        Furniture Mfg - metal                               Lens Mfg - ground and polished lenses
RIC Insurance General Agency / NWC Insurance Services


                                                        Furniture Mfg - wood - including assembling         Libraries - all employees other than librarians
                                                        or finishing
                                                                                                            Libraries - librarians or professional assistants
                                                        Gasket Mfg
                                                                                                            Libraries - Public
                                                        Gate or Corral Mfg - tube or pipe stock
                                                                                                            Lumberyards - commercial - no 2nd hand materials
                                                        Glass Merchants - including bending, grinding,
                                                        beveling                                            Macaroni Mfg
                                                        Glassware Mfg - no automatic or semi-               Machine Mfg - office or sewing - NOC
                                                        automatic machines                                  Machine Shops - aircraft components
                                                        Glassware Mfg - NOC                                 Machine Shops - NOC
                                                        Golf Club or Fishing Rod Mfg or Assembly            Machinery and Equipment Dealers - secondhand
                                                        Graphic Design – All Operations                     Machinery Dealers - NOC - including demonstration
                                                        Hardware Mfg - NOC                                  Machinery Mfg - commercial food processing
                                                        Hat Mfg                                             equipment
                                                        Heat Treating - metal                               Machinery Mfg - industrial - NOC
                                                        Homeowners Associations - not building              Machinery Mfg - material handling equipment
                                                        operation                                           Machinery Mfg - portable tools & lawn care
                                                        Hotels - all employees                              Machinery Mfg - swimming pool and spa
                                                        Ink, Mucilage or polish Mfg                         Machinery or Equip Mfg - agricultural, construction,
                                                        Inspection for Insurance or Valuation purposes      mining
                                                        - NOC                                               Magnetic Tape Mfg
                                                        Instrument – professional or scientific – instal-   Mailing Company
                                                        lation, service or repair                           Medical Instrument Mfg - electronic - diagnostic or
                                                        Instrument Mfg - Electronic                         treatment
                                                        Instrument Mfg-non electric-scientific or           Metal Goods Mfg - NOC
                                                        medical NOC                                         Mobilehome Park Operation - all other employees
                                                        Insurance Companies - all employees                 Mobilehome Park operation - property mgmt
                                                        Integrated Circuit and Semiconductor Wafer          supervisors
                                                        Mfg                                                 Mortgage Brokers - all employees
                                                        Internet or Web-based Application Develop-          Mortgage Brokers-all employees
                                                        ment or Operation
                                                                                                            Motels - all employees
                                                        Janitorial Services - by contractors
                                                                                                            Motion Pictures - development of negatives, printing
                                                        Jewelry Mfg - including foundry operations          and all subsequent ops
                                                        Knitting - NOC                                      Motion pictures - film exchanges - not located at mo-
                                                        Labor Unions - employees engaged outside of         tion picture studio
                                                        office                                              Motion Pictures - production - in studios and outside -
                                                        Lampshade Mfg - not metal or glass                  all operations up to the development of negatives
                                                        Laundries - NOC - all employees                     Motorcycle Dealers - all operations
                                                                          Workers’ Compensation
                                                                           Acceptable Classes
                                                        Museums - all employees                         Pickle Mfg
                                                        Musical Instrument Mfg - other than metal -     Picture Frame Assembly - wood or metal
RIC Insurance General Agency / NWC Insurance Services


                                                        NOC                                             Picture or Artwork Framing - including frame assembly
                                                        Nail, Tack or Rivet Mfg - cold or hot work      Pillow, Quilt, Comforter or Cushion Mfg - no mattress
                                                        News Agts or Distributors of Magazines /        or box spring Mfg
                                                        Periodicals - not retail                        Pipe or Tube Mfg - other than iron or steel
                                                        Newspaper Publishing or Newspaper Printing      Plaster Board or plaster Block Mfg
                                                        - all other EEs
                                                                                                        Plaster Statuary or Ornament Mfg
                                                        Newspaper Publishing / Printing - editing,
                                                        designing                                       Plastic Goods Mfg - NOC
                                                        Newspaper Publishing / Printing - reporters,    Plastics - blow molded products Mfg - NOC
                                                        advertising                                     Plastics - extrusion molded products Mfg - NOC
                                                        Newspaper, Magazine or book Publishing -        Plastics - fabricated products Mfg - no molding - NOC
                                                        editing, designing -no printing                 Plastics - Fiber reinforced plastic products Mfg - NOC
                                                        Nut Hulling, Shelling Or Processing             Plastics - injection molded products Mfg NOC
                                                        Nut, Bolt or Screw Mfg - cold or hot work       Plastics - thermoformed products Mfg - NOC
                                                        Office Machine Installation, Inspection, Ad-    Plumbers' Supplies Dealers - wholesale or retail - gas
                                                        justment or Repair – Shop & Outside–            steam or hot water
                                                        Oil Mfg or refining – vegetable – NOC           Potteries - glazed or porcelain, earthenware
                                                        Oil or Gas Well Supplies or Equipment           Power Supply Mfg - NPD
                                                        Dealers - store or yard not 2nd hand
                                                                                                        Printed Circuit Board Assembling - by contractor
                                                        Olive Handling - sorting curing, packing and
                                                        canning.                                        Printed Circuit Board Mfg
                                                        Optical Goods mfg - NOC                         Printing - Quick Printing or Photocopying - all
                                                                                                        employees including clerical and outside salespersons
                                                        Orthotic or Prosthetic Device Mfg – including
                                                        fitting and adjusting                           Printing Operation - editing, designing, proofreading
                                                        Painting - automobile or truck bodies - no      Printing Operation - screen printing - all other
                                                        body or fender work                             employees
                                                        Painting - shop only                            Printing Operation - screen printing - editing, designing,
                                                                                                        proofreading
                                                        Paper Coating or Laminating
                                                                                                        Printing Operations - all other employees - incl. Misc.
                                                        Paper Goods Mfg - NOC                           employees - NOC
                                                        Paper or Pulp Mfg - including card, bristol,    Printing Operations - Salespersons - outside
                                                        paper, straw, fiber board mfg
                                                                                                        Product Demonstrators and Sample distributors – by
                                                        Paper Stock Dealers - secondhand                contractors – in stores
                                                        Pattern or Model Mfg - metal, plastic or wood   Public Colleges or Schools – All Employees
                                                        Pen or Mechanical Pencil Mfg                    Pump or Hydraulic Apparatus Mfg or Repair - NOC
                                                        Photo Engraving
                                                                                                        Radio, Television or Commercial Broadcasting Stations
                                                        Photofinishing - all employees                  - all employees - including clerical office employees
                                                        Photographers - all employees                   and salespersons
                                                        Physicians - all employees                      Refrigerator Mfg - metal
                                                                            Workers’ Compensation
                                                                             Acceptable Classes
                                                        Restaurant or Taverns - all employees - incl.       Stores - eyewear - whls or retail
                                                        musicians and entertainers                          Stores - feed, tack and farm supplies - retail
RIC Insurance General Agency / NWC Insurance Services


                                                        Rubber Goods Mfg - NOC                              Stores - floor covering - wholesale or retail - carpets,
                                                        Rubber Stock Dealers - secondhand                   rugs, vinyl or linoleum
                                                        Rubber Tire Dealers - wholesale or retail           Stores - florists - including service away from
                                                        Salespersons - outside                              premises
                                                        Screen Printed Merchandise Dealers - all other      Stores - furniture - whls or retail
                                                        employees                                           Stores - garden supplies - NOC
                                                        Screen Printed Merchandise Dealers - editing,       Stores - groceries and provisions - convenience -
                                                        designing, proofreading                             retail
                                                        Screw Machine Products Mfg - NOC                    Stores – Groceries and Provisions - Retail
                                                        Seed Merchants                                      Stores - ice cream or frozen yogurt shops
                                                        Sheet Metal Products Mfg - NOC                      Stores - jewelry - whls or retail
                                                        Shutter Mfg - wood                                  Stores - lighting fixtures - wholesale or retail
                                                        Sign Mfg - metal, plastic or wood - NOC             Stores – Meat, Fish or Poultry – Retail
                                                        Sign Mfg - quick sign shops - including outside     Stores – Meat, Fish or Poultry – Wholesale
                                                        operations                                          Stores - office supplies and stationery - wholesale or
                                                        Sign Painting or Lettering - shop and outside       retail
                                                        Soap or Synthetic Detergent Mfg                     Stores - paint or paint supplies - wholesale or retail
                                                        Solar Panel Mfg                                     Stores - Retail - NOC
                                                        Speaker Mfg                                         Stores - sandwich Shops - not restaurants - N.O.C.
                                                        Spinning or Weaving - natural and synthetic         Stores - videotape - rental or sale - retail
                                                        fibers - NOC                                        etail
                                                        Stores - automobile accessories - wholesale or      Stores - Wholesale - NOC
                                                        retail
                                                                                                            Stores - wine or spirits - wholesale
                                                        Stores - beverage preparation shops - not bars or
                                                        taverns                                             Stores fruit or vegetables - retail
                                                        Stores - bicycles and bicycle accessories-whole-    Stores-Hardware-Retail
                                                        sale or retail                                      Stove Mfg
                                                        Stores - boat dealers - all operations              Sugar Mfg or Refining - beet or cane - including
                                                        Stores - books - retail                             beet dumps
                                                        Stores - ceramic tile - wholesale or retail         Superintendent of Public Schools –Office
                                                        Stores - clothing, wearing apparel or dry goods -   Swimming Pools - commercial - all employees
                                                        retail                                              Tag, Button or Fastener Mfg
                                                        Stores - Clothing, wearing apparel or dry goods     Taxidermist
                                                        - wholesale
                                                                                                            Telecommunications Companies - all employees
                                                        Stores - computer - wholesale or retail
                                                                                                            Telecommunications Equipment Mfg.
                                                        Stores – Delicatessen - Retail
                                                                                                            Terra Cotta Mfg - for decorative or architectural
                                                        Stores - department stores - retail                 purposes
                                                                          Workers’ Compensation
                                                                           Acceptable Classes
                                                        Theaters - motion picture - all employees         Warehouses - general merchandise - NOC
                                                        Theaters - music ensembles - all performers and   Warehouses - self-storage - all other employees
RIC Insurance General Agency / NWC Insurance Services


                                                        directors of performers                           including on-site mgr
                                                        Tile or Earthenware Mfg - NOC                     Warehouses - self-storage - property management
                                                        Tool Mfg - NOC                                    supervisors
                                                        Towel or Toilet Supply Companies - no laundry     Watch Mfg - including foundry operations
                                                        ops                                               Weighers, Samplers or inspectors of Merchandise
                                                        Trophy Mfg - including foundry operations         on Docks
                                                        Tube or Pipe Products Mfg - NOC                   Wheelchair Mfg - metal
                                                        Typewriter Ribbon Mfg or Refurbishing             Window Blind Mfg or Assembly - all types
                                                        Valve Mfg - NOC                                   Wineries - all operations
                                                        Vegetable or Fruit Processors - frozen            Wiping Cloth or Rag Dealers - including all laundry
                                                        Vegetables - fresh vegetable and tomato packing   operations
                                                        and handling                                      Wire Drawing
                                                        Video post Production - computer or electronic    Wire Goods Mfg - NOC
                                                        -all
                                                                                                          Wire Rope or Cable Mfg - including wire drawing
                                                        employees
                                                                                                          Wire Rope or Cable Mfg - no wire drawing
                                                        Vinegar Mfg
                                                                                                          Wood products Mfg - NOC
                                                        Vitamin or Food Supplement Mfg – not manu-
                                                        facturing ingredients                             Yarn or Thread Dyeing or Finishing - no yarn or
                                                        Warehouses - cold storage                         thread mfg

                                                                                      New Business Submissions
                                                        Submission Requirements:
                                                        ACORD 130 application
                                                        Everest Supplemental Application—please include 4 years est. payrolls/premiums
                                                        4 years currently valued loss runs—valuation date must be 90 days or less from the eff. date
                                                        Mod Worksheet—if available

                                                        Submissions With Multiple States*:
                                                        We have authority to write Non-California exposures up to 25% of total payroll outside of California
                                                        subject to:
                                                        Exposure(s) other than clerical/sales are limited to the contiguous states of Arizona, Nevada, Oregon
                                                        and Utah;

                                                        Clerical / Sales exposures ARE permitted in states outside of the contiguous states, but any such
                                                        payroll is limited to 10% overall policy period payroll.

                                                        Any exceptions need to be referred to Everest.

                                                        * Please note that a higher deposit may be required on risks with out-of-state exposures
                                                                          Commercial Auto
                                                                         and Cargo Coverage
                                                                                         Available in all states
RIC Insurance General Agency / NWC Insurance Services




                                                        RIC Commercial Auto provides coverage for Liability, Medical Payments, Personal Injury Protection,

                                                        Uninsured and Underinsured Motorists, Comprehensive, Specified Perils and Collision coverage’s.

                                                        The coverage is tailored to specific state requirements where that is necessary.

                                                        We have markets available for Truckers, Contractors, Cranes, Boom Trucks, Dump Trucks,

                                                        Garage Operations and many more classes.




                                                                          PO Box 12279, Santa Rosa, CA 95406
                                                                        Phone: 888-693-7892 • Fax: 866-577-7595
                                                                             Website: www.nwcinsure.com
                                                                            Commercial Auto
                                                                            Acceptable Classes
                                                        The chart below lists the classes of business we are able to write as part of our Commercial Auto
                                                        Program. The following pages provide additional information for each class of business, including
RIC Insurance General Agency / NWC Insurance Services


                                                        eligible and ineligible risks. For risks not shown, please contact us to discuss.

                                                        ▪ Auto Transporter
                                                        ▪ Cement Mixers, Ready Mix and Concrete Pumpers
                                                        ▪ Contractors
                                                        ▪ Cranes and Boom Trucks
                                                        ▪ Dump Truck Operations
                                                        ▪ Food Delivery
                                                        ▪ Funeral Operations
                                                        ▪ Garbage Operations
                                                        ▪ Household Goods Movers
                                                        ▪ Mobile Business
                                                        ▪ Specialized Delivery
                                                        ▪ Trucking (0 - 200 Miles)
                                                        ▪ Manufacturer, Wholesale and Retail Delivery
                                                        For all Commercial Auto accounts, Student Drivers and Non-Employee Passengers are not allowed.
                                                        AUTO TRANSPORTER
                                                        Eligible Risks:
                                                        ▪ This classification includes automobile haulers engaged primarily in the transportation of new and
                                                          used private passenger and light trucks.
                                                        ▪ Radius up to 200 miles.
                                                        Ineligible Exposures:
                                                        ▪ Transportation of salvage or dismantled vehicles
                                                        ▪ Drive-away or vehicle delivery services requiring the use of CA2005 Drive-Away Contractors
                                                        ▪ Rollback only operations
                                                        ▪ Mobile Home/ Manufactured Home Toters
                                                        ▪ Automobile brokerage
                                                        ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own
                                                           name. No exceptions will be made.
                                                        CEMENT MIXERS, READY MIX and CONCRETE PUMPERS
                                                        Eligible Exposures:
                                                        ▪ This classification includes cement mixers, ready mix and concrete pumper trucks and trailers, which
                                                           typically operate at or near construction sites.
                                                        ▪ Radius up to 100 miles. If incidental exposure over 100 miles exists, submit to your home office
                                                          underwriter.
                                                        Ineligible Exposures:
                                                        ▪ New ventures- The account must have a minimum of 2 years verifiable loss history in their own name.
                                                           No exceptions will be made.
                                                                                    Commercial Auto
                                                                      Acceptable Classes ~ continued ~
                                                        CONTRACTORS
                                                        Eligible Exposures:
RIC Insurance General Agency / NWC Insurance Services



                                                        ▪ This classification includes general contractors such as building contractors, welders, vacuum trucks,
                                                           septic tank services and street sweepers. Also included in this classification are artisan contractors
                                                           such as plumbers, lawn service, painters, home remodeling, tree service, electrical contractors,
                                                           cleaning services, exterminators, etc.
                                                        ▪ Radius up to 200 miles. If incidental exposure over 300 miles exists, submit to your home office
                                                          underwriter.
                                                        ▪ If the account has vehicle(s) with booms or cherry pickers, these vehicles must be underwritten and
                                                           rated using the Cranes and Boom Trucks underwriting guideline.
                                                        ▪ If the account has incidental dump vehicles, they must be underwritten and rated using the Dumping
                                                          Operations underwriting guideline.

                                                        Ineligible Exposures:
                                                        ▪ Remediation/Spill Cleanup Contractors
                                                        ▪ Asbestos Abatement Contractors

                                                        CRANES and BOOM TRUCKS

                                                        Eligible Exposures:
                                                        ▪ This classification includes vehicles with permanently attached cranes, booms or cherry pickers,
                                                           which typically operate at or near construction sites.
                                                        ▪ The vehicles must be licensed for road use.
                                                        ▪ The account must have general liability coverage in force with another carrier and we must be
                                                           named as a certificate holder.
                                                        ▪ Radius up to 100 miles. If incidental exposure over 100 miles exists, submit to your home office
                                                           underwriter.

                                                        Ineligible Exposures:
                                                        ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own
                                                           name. No exceptions will be made.

                                                        DUMP TRUCK OPERATIONS ELIGIBLE EXPOSURES
                                                        ▪ This classification includes vehicles hauling coal, aggregates, dirt or other non-hazardous dump
                                                          commodities.

                                                        Ineligible Exposures:
                                                        ▪ New ventures - The account must have a minimum of 2 years verifiable loss history in their own
                                                           name. No exceptions will be made.
                                                        ▪ For Sand + Gravel, and Coal hauling risks, minimum is 3 years verifiable loss history in their own
                                                          name.
                                                        ▪ Operations hauling any amount of hazardous materials or waste, or non-petroleum contaminated dirt
                                                                                    Commercial Auto
                                                                     Acceptable Classes ~ continued ~
                                                        FOOD DELIVERY
                                                        Eligible Exposures:
RIC Insurance General Agency / NWC Insurance Services


                                                        ▪ This classification includes vehicles used by food manufacturers or wholesale distributors to transport
                                                           their own raw or finished product such as bakery, produce, beverage, water, ice and meat distributors.
                                                        ▪ Radius up to 200 miles.


                                                        Ineligible Exposures:
                                                        ▪ Ice cream vendor
                                                        ▪ Pizza delivery
                                                        FUNERAL OPERATIONS
                                                        Ineligible Exposures:
                                                        ▪ Funeral escort services (Non-owned vehicles)


                                                        GARBAGE OPERATIONS
                                                        Eligible Exposures:
                                                        ▪ This classification includes contracted collection of garbage, trash, refuse or recyclables at residential,
                                                          commercial or industrial sites for disposal or recycling.
                                                        ▪ Roll Off Operations.
                                                        ▪ Salvage operations including scrap dealers.

                                                        Ineligible Exposures:
                                                        ▪ Vehicles operating as a trucker and not being used for residential, commercial or industrial pickup and
                                                          disposal (e.g., transfer station to landfill or hauling bailed trash)
                                                        ▪ For hire scrap metal haulers
                                                        ▪ New ventures- The account must have a minimum of 3 years verifiable loss history in their own name.
                                                          No exceptions will be made.
                                                        ▪ Accounts transporting Regulated Medical Waste or Biohazard Waste or any risk with active
                                                           brokerage authority.

                                                        HOUSEHOLD GOODS MOVERS
                                                        Eligible Exposures:
                                                        ▪ This classification includes vehicles owned by household goods movers.

                                                        Ineligible Exposures:
                                                        ▪ Non-Owned Auto liability
                                                        ▪ Risks operating over 200 miles
                                                                                 Commercial Auto
                                                                   Acceptable Classes ~ continued ~
                                                        MOBILE BUSINESS
                                                        Eligible Exposures:
RIC Insurance General Agency / NWC Insurance Services



                                                        ▪ This classification includes businesses operating in or from their own vehicles, such as
                                                          bookmobiles, mobile medical units, mobile repair or service units, roadside auto service and
                                                          mobile food vendor.
                                                        ▪ The account must have general liability coverage in force with another carrier and we must be
                                                          named as a certificate holder.

                                                        Ineligible Exposures:
                                                        ▪ Ice cream vendor
                                                        ▪ Pizza delivery

                                                        SPECIALIZED DELIVERY
                                                        Eligible Exposures:
                                                        ▪ This classification includes vehicles owned by courier services, magazine and newspaper distribu-
                                                        tors and armored cars.

                                                        Ineligible Exposures:
                                                        ▪ Door to door newspaper delivery
                                                        ▪ Non-Owned Auto liability

                                                        TRUCKING (0 - 200 MILES)
                                                        Eligible Exposures:
                                                        ▪ This classification includes for hire operations such as common, contract or exempt carriers.

                                                        Ineligible Exposures:
                                                        ▪ Bulk (Tank) Hazardous Materials (greater than 119 gallons or 882 pounds). Incidental hazardous
                                                          materials such as cans of spray paint, household cleaners and batteries are acceptable.
                                                        ▪ Double and Triple trailers
                                                        ▪ Risks Transporting butane, propane, LPG or gasoline.
                                                        ▪ Regulated Medical Waste or Biohazard Waste
                                                        ▪ Risks hauling munitions or explosives, including liquid Hydrogen, Nitrogen, Chlorine, fireworks,
                                                          fuses, dynamite, Nitroglycerin, Ammonium Nitrate.
                                                        ▪ Mobile Home or Manufactured Home Toters
                                                        ▪ Risks transporting any amount of Class 1 Explosives, Class 2.3 Poisonous Gas, Class 6 Poisonous
                                                           Gas or Class 7 Radioactive
                                                        ▪ Any risk hauling logs
                                                        ▪ Any risk with active brokerage authority
                                                                                  Commercial Auto
                                                                    Acceptable Classes ~ continued ~
                                                        TRUCKING Ineligible Exposures - continued:
RIC Insurance General Agency / NWC Insurance Services


                                                        ▪ Drive-away contractors. Any operation whose employee(s) drive non-owned vehicle(s) from one
                                                          destination to another while requiring the use of CA2005 Drive-Away Contractors.
                                                        ▪ New ventures- The account must have a minimum of 3 years verifiable loss history in their own
                                                          name. No exceptions will be made.


                                                        MANUFACTURER, WHOLESALE and RETAIL DELIVERY (0- 200 Miles)

                                                        Eligible Exposures:
                                                        ▪ This classification includes businesses that deliver their own commodities such as appliances, auto
                                                          parts, building supplies, furniture, office equipment and supplies.
                                                        ▪ Department stores, catering services, dairies, private carriers, farmers and lumberyards are also
                                                          included in this classification.

                                                        Ineligible Exposures:
                                                        ▪ Bulk (Tank) Hazardous Materials (greater than 119 gallons or 882 pounds). Incidental hazardous
                                                           materials such as cans of spray paint, household cleaners and batteries are acceptable.
                                                        ▪ Double and Triple trailers
                                                        ▪ Regulated Medical Waste or Biohazard Waste
                                                        ▪ Mobile Home or Manufactured Home Toters
                                                                                  Garage
RIC Insurance General Agency / NWC Insurance Services




                                                        Requirements:
                                                        • New Ventures Okay
                                                        • Minimum Three Years Experience
                                                        • Hired/Non-owned Available
                                                        • Tool Limits Available
                                                        • Owner Occupied Available

                                                        We have been successfully writing:
                                                        •   Auto Repair Shops              ▪   Brake Shops
                                                        •   Car Wash                       ▪   Body Shops Small Fleets
                                                        •   Detail Shop                    ▪   Mobile Windshield
                                                        •   Oil Change                     ▪   Small Fleets
                                                        •   Body Shops                     ▪   Heavy Truck Repair Shops
                                                        •   Motorcycle Repair Shops




                                                                           Contact Information
                                                                 Phone: 888-693-7892 •           Fax: 866-577-7595
                                                             Underwriters: Shana ext 2696              Desiree ext 2517
                                                                      COMMERCIAL
                                                                  EARTHQUAKE PROGRAM
                                                                          Available in AZ, CA, NV, OR, WA
RIC Insurance General Agency / NWC Insurance Services




                                                        The NWC Insurance Services Earthquake Program provides coverage for virtually
                                                        any type of commercial building, including apartment buildings that contain four
                                                        or more units. Commercial Earthquake coverage is written on a DIC (Difference in
                                                        Conditions) form and has an annual renewal. Deductible range from 5% to 20%
                                                        depending on the individual carrier and the characteristics of the risks. The premium
                                                        is calculated based on the age of the building, location of the building, type of
                                                        construction of the building, and the parking configuration.


                                                                       PO Box 12279, Santa Rosa, CA 95406
                                                                     Phone: 888-693-7892 • Fax: 866-577-7595
                                                                          Website: www.nwcinsure.com
                   COMMERCIAL EARTHQUAKE & DIC QUOTE FORM

Agents Name: _______________________________ Date: _______________________

Telephone: _________________ Fax: _____________________ Email Address:______________________

General Information:
Named Insured: ___________________________________________________________________________
DBA: ___________________________________________________________________________________
Mailing Address: __________________________________________________________________________
Property Address: _________________________________________________________________________
Policy Limit Requested: $_____________________ Deductible Requested: ____5% ___10% ___15% ___20%
Inspection Contact Name: _____________________________Inspection Contact Number: _____________
Effective Date: ________________ Desired Quote Date: _________________

Underwriting Information:
Building(s) Total Value: $____________ (If Multiple Buildings, Building Supplemental Required)
Total Sq. Ft. Living Space: ____________ Total Sq. Ft. Parking Space: _________
Total Number of Buildings: _________ Year Built:________ #Living Stories:_______
#Parking Stories: _________ Occupancy Type: __________________________
Hangovers or Setbacks? Yes No Unknown
Building Shape: ___Regular ___Irregular ___Unknown               Number of Units: _________

Construction Type:
___Wood Frame/Stucco ___Joisted Masonry-Tilt Up ___Joisted Masonry-Unreinforced Masonry
___Masonry Non-Combustible ___Reinforced Concrete or Steel Frame

Type of Parking:
___Tuck Under ___Tuck Under 2 Sides ___Subterranean ___Partial Subterranean ___Street
___Habitational Over Garage ___Detached ___Attached (No Structure Above) ___First Floor
___Soft First floor

Distance to Cliffs or Hillsides: _______________ Prior EQ Losses: ___Yes ___No
Date Of Loss: _______________ Amount of Loss: $___________________

Optional Coverages:
Contents Value: $________________ Business Income/Extra Expense: $____________
Ordinance or Law: ___10% ___20% of Building Sub-Limits
Tenants Improvements & Betterments: $____________(Must have a given value to be quoted)
Mold Clean Up & Removal Limit $10,000: ___Yes ___No
Flood: Yes No Flood Zone:______ EQ Sprinkler Leakage: Yes No
Additional Property Coverage: $________________(Pools, Spas, Fences&/or Paved Surfaces)

____________________________________         ____________________________________
Insured Signature                             Agent Signature
                Earthquake Program Supplemental Information

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________

Building Number______ Amount of Coverage: $___________________________
Complete Address:__________________________________________________
City, State, Zip:_____________________________________________________
Total Square Footage:_______________
       Parking Configurations for Earthquake




                                                                                  Type: First Floor Parking

          Type: None

                                      Type: Tuckunder- 1 side




                                                                                     Type: Soft First Floor



                                                                    NONE – No parking structure at the location.
           Type: Detached                                           DETACHED – parking structure is not attached to the
                                                                    building.
                                      Type: Tuckunder- 2 sides
                                                                    ATTACHED – NO STRUCTURE ABOVE – Parking
                                                                    structure is attached to the building, but there is no
                                                                    occupied space above the parking.
                                                                    HABITATIONAL OVER GARAGE (HOG) – Parking
                                                                    area on first floor, with occupied space above. Parking area
                                                                    has walls between stalls and shear wall on ends. Often seen
                                                                    in townhouses or apartments.
                                                                    TUCKUNDER – 1 S IDE – One wall of first floor parking
                                                                    is open, with no garage door. Support columns are used in
                                                                    lieu of shear walls in open wall.
                                                                    TUCKUNDER – 2 S IDES – More than one wall is open
                                                                    for parking. Treated as Soft First Floor Parking.
                                                                    FULL S UBTERRANEAN – Parking is located under the
                                                                    building with wall underground. Walls are generally
Type: Attached - No Structure Above    Type: Full Subterranean      concrete or concrete block. Ceilings are concrete supported
                                                                    by concrete columns. Access to parking is by ramps.
                                                                    PARTIAL S UBTERRANEAN – Similar to full subterra-
                                                                    nean, except that ground slopes down to side of access is at
                                                                    ground level. Side walls of parking are not co mpletely
                                                                    shear walls.
                                                                    FIRST FLOOR PARKING – Parking is on first floor of
                                                                    structure. Three walls of parking area are shear walls, with
                                                                    the fourth having garage doors.
                                                                    SOFT FIRST FLOOR PARKING – Parking is on first
                                                                    floor of structure. Walls are open, with no shear strength.
                                                                    Instead of shear walls, the perimeter has support columns.


   Type: Habitational over Garage      Type: Partial Subterranean
                                                                         Specialty Products
                                                                                        Available in all states
RIC Insurance General Agency / NWC Insurance Services




                                                        Errors & Omissions (E&O) - Professional Liability Insurance is purchased by companies to
                                                        protect against the costly litigation that could arise from claims alleging negligence or inadequacy in the
                                                        performance of their professional services.
                                                        Directors and Officers (D&O) - Insurance is to provide financial protection to directors and officers of
                                                        a corporation from liability in the event of a claim or lawsuit against them asserting wrongdoing in
                                                        connection with the company’s business. Directors and Officers can also be sued for performance of
                                                        their duties as they relate to the company.
                                                        Employee Practice Liability Insurance - EPLI - Covers losses that would not be covered by D&O
                                                        coverage or GL. EPLI Protects against Sexual Harassment, Discrimination Claims, Wrongful
                                                        Termination Claims, and Whistleblower Claims.
                                                        Environmental Pollution - Coverage for companies who face pollution liabilities in their regular daily
                                                        operations. Fixed Site Pollution Legal Liability, Contractor’s Pollution Liability, Contractor and
                                                        Professional Services, Storage Tank Third-Party Liability, Corrective Action and Cleanup,
                                                        Transportation Pollution Liability, Excess Pollution, and Security Privacy Liability.
                                                        Aerospace and Aviation - Aviation General Liability, Aviation Property, Aircraft Hull and Liability,
                                                        Aircraft Product Liability, Grounding Liability, Hanger Keepers Liability, Helicopter Liability, and
                                                        Pollution liability.
                                                        Allied Health Care - We have a wide variety of coverage available for Health Care Professionals.

                                                                            PO Box 12279, Santa Rosa, CA 95406
                                                                          Phone: 888-693-7892 • Fax: 866-577-7595
                                                                               Website: www.nwcinsure.com
                                                                          Professional Liability
                                                        Errors and Omissions - E&O coverage provides protection for claims or lawsuits for mistakes
                                                        or omissions that result in financial losses for a client of the insured. If you do not see a class of
RIC Insurance General Agency / NWC Insurance Services


                                                        business you need to submit, please contact the underwriter.
                                                        We are currently writing the following classes:
                                                        Accountant                         Graphic Design                           Recruiter
                                                        Advertising Agency                 Green Building Verifiers                 Relocation Organizer
                                                        Appraiser (no real estate)         Handwriting / Document Analyst           Resume Service
                                                        Auctioneers (no real estate)       Hotel / Motel Manager                    Retirement / Financial Planning
                                                        Bankruptcy Trustee                 Human Resources Consultant               Safety Consultant
                                                        Career Coach Claims Adjusters      Interior Decorator (non structural) /    Software Engineer
                                                        Computer Technology Consultant     Decorator                                Stenographer / Closed Captioner
                                                        Corporate Trainer                  Loss Control Consultant                  Technical Writer
                                                        Court Reporters                    Management Consultant                    Telecommunications Consultant
                                                        Data Processors                    Marketing Consultant                     Ticket Broker
                                                        Dog Groomer                        Media Consultant                         Third Party Administrator
                                                        Electronic Data                    Medical Billing Service                  Technical Writer
                                                        Employees Benefits Consultant      Mortgage Broker                          Telecommunications Consultant
                                                        Employment/Temp Agency             Notary                                   Ticket Broker
                                                        Energy Consultant                  Professional Employee Organization       Third Party Administrator
                                                        ERISA / Pension Consultant         Printer                                  Transcriptionist
                                                        Expert Witness                     Professional Organizer                   Travel Agent Tour Operator
                                                        Fundraising Consultant             Project Manager (Non Construction)       Trustee
                                                        Financial Planner / Consultant     Property Manager (Residential)           Tutor
                                                        Genealogical Coordinator           Public Relations                         Web Designer
                                                        Technology E&O:
                                                        Accounting Software                 Feasibility Needs / IT Studies           Pre-packaged Software
                                                        Administrative Services             Financial Software                       Records Management
                                                        Application Service Providers       Hardware/Software Installer              Search Engines
                                                        Archiving/Backup Services           Imaging Services
                                                                                                                                     Software/Hardware Resellers
                                                        Broadcasters Radio/TV               Internet Hosting Services
                                                        Custom Software Developer                                                    Software Engineers
                                                                                            Internet Media Services
                                                        Database Administration             Internet Service Providers               System Integration
                                                        Database Management                 IT Maintenance                           System Management
                                                        Data Processing                     IT Consulting or Staffing                Telecom Consulting
                                                        Domain Registration Services        LAN/WAN Administrators                   Training/Education–
                                                        E-commerce Services                 Network Security Services                Web Page Designers
                                                        Electronic Exchanges/Auctions       Medical Software
                                                                                                                                     Web Portal Services
                                                        Technology E&O coverage is limited to a few carriers for technology products and services in the
                                                        following industries: Aerospace, Space and Satellites, US Military and Governmental entities.
                                                                    Directors & Officers
                                                        Directors & Officers (D&O) Liability coverage for public, private and nonprofit firms of all
                                                        descriptions, including Fortune 1000, technology and financial services. Insures Corporate
RIC Insurance General Agency / NWC Insurance Services


                                                        Directors and Officers against claims alleging mismanagement or wrongful acts, alleged
                                                        errors, misleading statements, and neglect or breach of duty.
                                                        Non Profit Business Preferred Classes:         Preferred Classes for Profit Businesses:
                                                        Advocacy Groups                                Agricultural
                                                        Art and Cultural Center                        Manufacturing
                                                        Churches                                       Publishers
                                                        Chamber of Commerce                            Retail Business
                                                        Civic Associations                             Service Companies
                                                        Food Bank                                      Service Firms
                                                        Foundation
                                                        Homeless Women Shelter                         Acceptable Classes for Profit Businesses:
                                                        Humane Society                                Banks
                                                        Library                                       Captives
                                                        Meals on Wheels                               Cooperatives
                                                        Mental Health Drug Alcohol Counseling         Finance Companies
                                                        Rescue Mission                                Insurance Companies
                                                        Youth Services / Junior League                Investment Companies
                                                        Trade Associations                            Joint Underwriting Associations
                                                                                                      Money Managers
                                                        Non Profit Business Acceptable Classes:
                                                                                                      Mortgage Bankers/Brokers
                                                        Daycare
                                                        Country Club / Yacht Club                     Mutual Funds
                                                        Residential Facility / Group Home             Pension Funds
                                                        Private School (K-12)                         Risk Retention Groups
                                                        Low Income Housing                            Savings & Loans
                                                        Employment Counseling / Job Training Services Savings Banks
                                                        YMCA / YWCA                                   Security Broker / Dealers
                                                        Associations for Retarded Citizens
                                                        Hospice                                       International D&O coverage for companies
                                                        Urban League                                  domiciled outside of the U.S.
                                                        Church
                                                        Crisis Center / Hot line                      Stand-alone Side A D&O Difference in Conditions
                                                        Goodwill Industries                           coverage.
                                                        Fairs Exhibitions
                                                        Safety Council                                If you do not see a class of business you need to
                                                        Alumis                                        submit, please contact the Underwriter.
                                                                   EPLI & Environmental
                                                                        Liability
                                                                     Employee Practice Liability Insurance - EPLI
RIC Insurance General Agency / NWC Insurance Services


                                                                We will consider any size account and most types of companies.
                                                                Coverage is limited to a few carriers in the following industries:
                                                                           Credit Reporting or Collection Agencies
                                                                             Professional Employer Organizations
                                                                         Hospitals, HMO’s, PPO’s or Nursing Homes
                                                                                     Governmental Entities
                                                                                      Labor Organizations
                                                                                     Schools / Universities


                                                        Security Privacy Liability -We will consider any size account and any type of company.

                                                                                 Environmental Liability
                                                                             Fixed Site Pollution Legal Liability
                                                                               Contractor’s Pollution Liability
                                                                             Contractor and Professional Services
                                                                              Storage Tank Third-Party Liability
                                                                                Corrective Action and Cleanup
                                                                              Transportation Pollution Liability
                                                                                       Excess Pollution

                                                                                           Operations:
                                                                            General, Trade and Specialty Contractors
                                                                                   Manufacturing Companies
                                                                             All classes of Commercial Businesses
                                                                                Hospitals, Academic Institutions
                                                                                         Public Entities
                                                                                     Energy-Related Risks
                                                                         Property Management and Development Firms
                                                                                 Environmental Services Firms
                                                                          Convenience store/service station operators
                                                                          Aerospace & Aviation
                                                                              Liability
                                                                Aviation General Liability            Hanger Keepers Liability
RIC Insurance General Agency / NWC Insurance Services


                                                                    Aviation Property                   Helicopter Liability
                                                                Aircraft Hull and Liability             Pollution Liability
                                                                Aircraft Product Liability            Workers Compensation
                                                                   Grounding Liability

                                                           Aerospace and Aviation                 Aerospace Operations:
                                                           Eligible Aircraft:                     Aerospace Manufacturers
                                                           Antique Aircraft                       Airport Landlord and Tenant
                                                           BI Planes                              Aircraft Repair and Services Facilities
                                                           Experimental Aircraft                  Aircraft Completion Center
                                                           Fixed Wing                             Aviation Maintenance Shops
                                                           Foreign Manufactured Aircraft          Aviation Component Manufactures
                                                           Helicopters                            Aviation’s Product Manufacturers
                                                           Mutli-engine                           Avionics Repair and Service Outfits
                                                           Piston                                 Aircraft Sales
                                                           Rotor Wing                             Charter Commercial
                                                           Sail Planes                            Commercial Airports
                                                           Sea Planes                             Corporate Aviation
                                                           Single-Engine                          Fixed Based Operations
                                                           Sport Pilot                            Ferry Flights
                                                           Turbo Props & Conversions              Fuel and Component Parts Distributors
                                                           Turbine / VLJs                         Government Contractors
                                                           Warbirds                               Ground Services Providers
                                                                                                  Industrial Aid
                                                                                                  Instruction and Rental Services
                                                                                                  PBO
                                                                                                  Municipal Aircraft
                                                        No midterm quotes for aviation accounts   Transition Pilots
                                                                    Allied Health Care Program
                                                        Primary limits are available up to $5M per incident and $7M aggregate.
                                                        Deductibles start at zero with low minimum premiums. One policy and seperate limits for PL and GL
RIC Insurance General Agency / NWC Insurance Services


                                                        coverage.
                                                        Many previous options are now incorporated into the new form, including: Defense Outside the
                                                        Limit; Incident-Sensitive Claims Trigger; Employment Benefits Liability; Legal Defense Endorsement;
                                                        Unlimited Tail Option; and Negligence arising out of Sexual Abuse and Molestation Automatically at
                                                        set limits (limits for Negligence arising out of Sexual Abuse and Molestation may be increased).
                                                        Hired and Non-Owned Auto will be offered as an option, as well as occurrence GL for accounts
                                                        currently on the GL occurrence form.

                                                        Eligible Operations:                               Pastoral Counselor
                                                        Adult Day Care                                     Pharmacy
                                                        Alcohol and Drug Rehabilitation                    Phlebotomist
                                                        Ambulance Services – Non-Emergency                 Physical Therapy Assistant / Physical Therapy Clinic
                                                        Audiologist                                        Physician Assistant / Physician / Surgeon Assistant
                                                        Case Management                                    Psychiatric Social Worker / Psychologist
                                                        Community Mental Health Clinic                     Radiation Therapy Technician / Respiratory Therapist
                                                        Partial Hospital Program
                                                                                                           Speech Therapist / Speech-Language Pathologist
                                                        Consultants – Medical Care Provider
                                                                                                           Surgical Technician
                                                        Consultants – Safety
                                                        Counselor                                          Surgicenter – Anesthesia or No Anesthesia
                                                        CRNA Staffing                                      Testing Services
                                                        Diagnostic Imaging and X-Ray                       Ultrasound Technician / X-Ray Technician
                                                        Diagnostician
                                                                                                           Life Science & Medical Device Companies
                                                        Dialysis Center
                                                        Durable Medical Equipment Rental                   Eligible Operations:
                                                        EMT – Ambulance                                    Anesthesiology & Respiratory, Allergenics
                                                        Health and Fitness Center                          Blood Cellular & Gene Therapy
                                                        Hearing Aid Fitter                                 Cough Drops, Lozenges,
                                                        Home Health Agency                                 Cytokine, Growth Factors, Enzymes
                                                        Home Health Aide                                   Cardiovascular, Clinical Chemistry & Clinical Toxicology
                                                        Imaging Technician                                 Durable Medical Equipment, Drugs- FDA-regulated drugs
                                                        Martial Arts Instruction – Adult                   & biologics in research, clinical trials or on the market
                                                        Massage Therapist                                  Dietary Supplements, Dental
                                                        Medical Arts School                                Ear, Nose and Throat, Feminine Care Products
                                                        Medical Clinic / Medical Clinic Counseling         Gastroenterology & Urology
                                                        Medical Director                                   General and Plastic Surgery (Not Cosmetic)
                                                        Medical Labs / Medical Lab Technicians             Health care Product Development Organizations
                                                        Medical Personnel Services                         Operating Room Supplies
                                                        Medical Spa                                        Oral Care - Mouthwash, Toothpaste, Brushes, Lip Care, Floss,
                                                        Mental Health Clinic / Mental Health Technicians   Whiteners & Bleaching Agents
                                                        Nurse / Nurse Practitioner / Nurse’s Aide          Skin Care, Nail Care, Foot Care, Facial Care, Body Washes
                                                        Nurse Staffing Agency / LVN / LPN                  Medicated Shampoo
                                                        Occupational Therapist / Therapy Assistant         Therapeutic Massage, Spa Products, Foot Spas, Paraffin Baths
                                                        Ocularist
                                                        Optical Establishment / Optical Goods Store
                                                        Optometrist
                                                                               Commercial
                                                                          Builders Risk Program
                                                                                        Available in all states
RIC Insurance General Agency / NWC Insurance Services




                                                        Commercial Builder’s risk insurance is a special type of property insurance which indem-
                                                        nifies against damage to buildings while they are under construction. Builder’s risk insur-
                                                        ance is coverage that protects a person’s or organization’s insurable interest in materials,
                                                        fixtures and / or equipment being used in the construction or renovation of a building or
                                                        structure should those items sustain physical loss or damage from a covered cause.



                                                                        PO Box 12279, Santa Rosa, CA 95406
                                                                      Phone: 888-693-7892 • Fax: 866-577-7595
                                                                           Website: www.nwcinsure.com
                                                                                Commercial
                                                                           Builders Risk Program
                                                        Basic Eligibility:
RIC Insurance General Agency / NWC Insurance Services



                                                        The Builders Risk Coverage Form (40471) provides coverage for residential and com-
                                                        mercial structures with values up to $10 million. The Builders Risk Plan is
                                                        flexible -- specially trained underwriters are available to assist with coverage for
                                                        structures that fall outside these general guidelines. In general, we have capacity for
                                                        risks up to $25 million. All policies are subject to certain underwriting guidelines and
                                                        restrictions.
                                                         • Builders must have two years experience unless otherwise qualified.
                                                         • Three years experience is required when requesting coverage for
                                                             commercial structures with total estimated completed values greater
                                                             than $3,000,000.
                                                         • Catastrophic Limit is $5 million per policy.
                                                         • The Policy can be issued in the name of the homeowner/mortgagee if the builder
                                                             qualifies.

                                                        The program provides competitive coverage including:
                                                         • Coverage for theft of materials from the moment they're delivered to the job site.
                                                         • Protection for materials in-transit and at temporary locations.
                                                         • Coverage for materials that are installed or uninstalled.
                                                         • Coverage for losses due to ordinances or laws.
                                                         • An added benefit of the Builders Risk Plan is the Reward Program that offers up
                                                             to $10,000 in reward money to help deter arson, vandalism and theft at the job
                                                             site.


                                                                            PO Box 12279, Santa Rosa, CA 95406
                                                                          Phone: 888-693-7892 • Fax: 866-577-7595
                                                                               Website: www.nwcinsure.com
                                                                        Small Business Bonds
                                                                                        Available in all states
RIC Insurance General Agency / NWC Insurance Services



                                                        NWC Insurance Services offers a variety of bonds including, but not limited to:

                                                        Surety Bonds - A surety bond is designed to transfer financial risk. In some ways, it resembles
                                                        an insurance policy, except that the beneficiary of the bond, called the Obligee, is a third party. A
                                                        surety bond underwriter, called the Surety, is usually a subsidiary of a larger insurance company
                                                        specializing in such instruments. In this three-party agreement, the Principal promises to perform
                                                        certain work and pays a premium to a Surety, who will then pay out a settlement to the Obligee if
                                                        the work is not performed to specifications.

                                                        Contractor License Bonds - A contractor's bond is a type of surety bond that guarantees
                                                        promise of performance. The bond guarantees that the contractor will do the work he is contracted
                                                        to do. If the contractor fails to perform, the person who hired the contractor can make a claim
                                                        against the contractor's bond.

                                                        Court Bonds - A court bond is money that a person gives to the courts as collateral after being
                                                        charged with a crime and released. The bond serves as incentive to return for the trial because fail-
                                                        ure to do so will result in forfeiture of the bond

                                                        Notary Bonds - Allow and individual to notarize the truth of an event and are typically used in
                                                        business deals where the bond acts as a financial remedy for the truth.

                                                        ERISA Bonds – ERISA is the Employee Retirement Income Security Act.. ERISA established
                                                        minimum standards for plan administrators and investment advisers to protect employee pension
                                                        and health plans in the private sector. ERISA requires that plan officials who manage, oversee,
                                                        recommend or handle funds or other property of an employee benefit plan must be covered by a
                                                        personal fidelity bond, according to the U.S. Department of Labor.

                                                        •   Tax Preparer Bonds
                                                        •   License & Permit Bonds
                                                        •   Lost Instrument Bonds
                                                        •   Service Bonds


                                                                          PO Box 12279, Santa Rosa, CA 95406
                                                                        Phone: 888-693-7892 • Fax: 866-577-7595
                                                                             Website: www.nwcinsure.com
                                                                                Personal Lines
RIC Insurance General Agency / NWC Insurance Services




                                                        ADMITTED MARKETS
                                                        AMERICAN RELIABLE INSURANCE COMPANY (Available in NV, CA, AZ, UT)
                                                        •   Tenant, owner, seasonal, vacant, mobile home park offices
                                                        •   Replacement cost available for 1977 and newer, primary homes
                                                        •   Occasional rental
                                                        •   Golf Carts
                                                        •   Scheduled personal property available
                                                        •   Older homes with updates are acceptable
                                                        •   Check, credit card, online payments available
                                                        •   Admitted market / direct bill

                                                        AMERICAN MODERN INSURANCE GROUP (Available in all states except HI & LA)
                                                        •   DP-1 / DP-3 / HO-3 / manufactured homes
                                                        •   1 to 4 unit dwellings
                                                        •   Vacant homes
                                                        •   Check, credit card, online payments available
                                                        •   Admitted market / direct bill

                                                        CHUBB GROUP OF INSURANCE COMPANIES (Available in AR, AZ, CA, GA, ID, MS,
                                                        NJ, NM, NV, TX, UT, WA)
                                                        • Homeowners, condos, tenant occupied, auto, yacht,
                                                        • Valuable articles, watercraft, personal and excess liability
                                                        • Preferred / admitted / direct bill

                                                        TRAVELERS (Available in NV, CA, TX)
                                                        •   HO3 / HO6 / HO4 / DP3
                                                        •   Primary
                                                        •   Rental/seasonal with primary written
                                                        •   Personal auto
                                                        •   Personal umbrella
                                                        •   Admitted market / direct bill
                                                                    Personal Lines ~ continued ~
                                                        ADMITTED MARKETS CONTINUED
RIC Insurance General Agency / NWC Insurance Services


                                                        SAFECO (Available in AL, AK, AZ, CA, CO, CT, DC, GA, ID, KS, KY, LA, ME, MD, MI,
                                                        MN, MO, MT, NV, NH, NJ, NY, NC, ND, OK, SD, TX, UT, VA, WA, WY)
                                                        • HO3 / HO6 / HO4 / DP3
                                                        • Primary / rental / seasonal
                                                        • Personal auto
                                                        • Personal umbrella
                                                        • Admitted market / direct bill
                                                        RLI (Available in all states)
                                                        •   Admitted umbrella market
                                                        •   Direct bill at renewal
                                                        •   No underlying carrier info required
                                                        •   Online rating system
                                                        •   Online bill pay for agents and/or insureds

                                                        NATIONAL CASUALTY COMPANY (Available in NV Only)
                                                        •   Dwelling fire
                                                        •   Homeowners
                                                        •   Monoline liability
                                                        •   HO-4 renters packages
                                                        PERSONAL LINES – SURPLUS LINES MARKETS
                                                        SCOTTSDALE INSURANCE COMPANY (Available in CA & NV)
                                                        •   Vacant / renovations / course of construction
                                                        •   Vacant land liability
                                                        •   Fair-poor risks / declined by standard markets due to claims
                                                        •   Monoline liability up to $1,000,000 / vacant land ok
                                                        •   Inland marine available
                                                        •   Umbrellas
                                                        LEXINGTON INSURANCE COMPANY (Available in all states)
                                                        •   Starting at $250k
                                                        •   Competitive rates for condos, high value homes, seasonal, vacant
                                                        •   HO-3 with replacement costs programs for owner, tenant, and seasonal
                                                        •   DP-3 special form available for vacant dwellings
                                                        •   Builder’s risk and renovations

                                                        LLOYDS OF LONDON (Available in all states)
                                                        (Written through Harman Kemp North America, Surplus lines)
                                                        Hard to place risks
                                                        Vacation rentals
                                                        Homeowner/rental/seasonal/vacant starting at $250k
                                                        Builder’s risk and renovations
                                                                         SURPLUS LINES
                                                                         APPETITE GUIDE
                                                        The problem with putting an appetite guide on paper for us is that it is more a question
                                                        of what we don’t write rather than what we do write. The following classes are
RIC Insurance General Agency / NWC Insurance Services



                                                        examples of the types of businesses that we will write on a regular basis:

                                                        Accountants Office                 Exterminators                       Mercantile Stores
                                                        Adult Day Care                     Farm Liability                      Mobile Home Parks
                                                        Advertising Agencies               Fast Food Restaurants               Mobile Home Set up
                                                        Amusement Devices                  Fire & Burglar Alarm Installation   Mortgage Brokers
                                                        Animal Rides                       Fire Extinguisher                   Motels/Hotels
                                                        Antique Stores                     Florists                            Nail Salons
                                                        Apartments                         Food Processors                     Office Buildings
                                                        Architects and Engineers Offices   Furniture Stores                    Optometrist Offices
                                                        Art Galleries                      Garagekeepers                       Pawn Shops
                                                        Artisan Contractors                Garage Liability                    PC Repair
                                                        Commercial Contractors             Grocery Stores                      Pet Salons & Kennels
                                                        Auto Dismantlers                   Gymnastic Schools & Clubs           Pet Sitting Service
                                                        Auto Parts Stores                  Hardware Stores                     Printers
                                                        Auto Repair                        Health Clubs                        Private Investigators
                                                        Bakeries                           Hobby Stores                        Pumpkin Patch
                                                        Barber Shops/Beauty Parlors        Hole In One                         Push Carts
                                                        Bars & Taverns                     HOA’s                               Quick Lube Shops
                                                        Bed & Breakfast                    Home-based businesses               Real Estate Agents
                                                        Book Stores                        House Detailing                     Recycling Centers
                                                        Builders Risk                      House Sitting Service               Restaurants
                                                        Carriage Tours                     Ice Cream Parlors                   Sawmills/Woodworkers
                                                        Car Wash                           Insurance Agents                    Schools
                                                        Caterers                           Interior Decorators                 Seafood Operators
                                                        Children’s Summer Camps            Janitorial Services                 Security Guards
                                                        Chiropractor’s Office              Landscape/Gardeners                 Self Storage Risks
                                                        Chimney Sweeps                     Laundry & Dry Cleaners              Service Stations
                                                        Christmas Tree Lots                Lawn Mowing                         Shopping, Errand Service
                                                        Churches                           Lawyer’s Office                     Snow Removal
                                                        Clothing Stores                    Lender’s Forced Placed Property     Special Events Liability
                                                        Club Packages                      Lessor’s Risk                       Sporting Goods Store
                                                        Commercial Property                Liquor Legal Liability              Swimming Pool Construction
                                                        Contractors Equipment              Liquor Stores                       Swimming Pool Maintenance
                                                        Convenience Stores                 Loggers Liability                   Tanning Salons
                                                                                SURPLUS LINES
                                                                APPETITE GUIDE - Continued
                                                        Dance Studio                         Lumber Yards                   Ticket Agencies
RIC Insurance General Agency / NWC Insurance Services


                                                        Day Care Centers                     Maid or Servant Services       Tree Trimmers
                                                        Delicatessens                        Mail Box or Packaging Stores   Vacant Homes or Buildings
                                                        Donut Shops                          Manufacturing Rep              Video Stores
                                                        Disc Jockeys                         Martial Arts Studios           Welding Operations
                                                        Entertainment (clowns, magic,        Medical Offices                Wood Product Manufacturing
                                                        etc)
                                                        Classifications Requiring Supplemental Applications:
                                                        Applications available at www.ric-ins.com

                                                        Animal Services Program                             Amusement Device Program
                                                        Contractors Questionnaire                           Day Care/Preschool
                                                        Detective and Investigative Agency                  Event/Party Planners & Coordinators
                                                        Excavators and Graders of Land                      Exercise and Health Studio
                                                        Farm Liability                                      Salvage Yard/ Rebuilding
                                                        General Contractors                                 Heavy Truck, Bus and Equipment
                                                        Janitorial Program                                  Landscaping
                                                        Liquor Liability                                    Martial Arts Studio
                                                        Motel Program                                       Motorcycle Repair
                                                        Motorhome & RV Repair                               Outfitters and Guides
                                                        Pool Contractors                                    Product Liability
                                                        Protection Class 9 & 10                             Restaurant/Tavern
                                                        Sports Camps/Clinics/Leagues                        Tire Dealers
                                                        Tree Trimmers                                       Vacant Building
                                                        Classifications requiring Specialty Applications:
                                                        Alarm, Fire Extinguisher Installation and Repair       Beauty & Barber
                                                        Builders Risk                                          Caterer
                                                        Condo/Homeowners Associations                          Exterminators
                                                        Garage Liability                                       Habitational
                                                        Half Way House                                         Home Health Care
                                                        Medical Equipment Supply Store                         Pool Maintenance/Management
                                                        Pumpkin Patches/Christmas Tree Lots                    Push Carts
                                                        Security Guard                                         Special Event
                                                        Truckers Warehouse                                     Truckers Warehouse
                                                        Century Insurance Group Contractor’s Questionnaire
                                                        Century Insurance Group Garage Application

				
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