1. Networked gives you the tools you need to make your Personal Lines business grow! Networked Insurance Arizona Personal Lines

2. July 2007 Networked Insurance Agents Copyright 2007

3. July 2007 Networked Insurance Agents Copyright 2007 Personal Lines Management Scott Smith Personal Lines Manager ( 530) 274-6981scott.smith@networkedins.com Gina BajonePersonal Lines Senior Underwriter & Team Leader (530) 274-6923gina.bajone@networkedins.com Patti Leonard Territorial Sales Vice President (480) 292-9642patti.leonard@networkedins.com

4. July 2007 Networked Insurance Agents Copyright 2007 Personal Lines Underwriters Erin Cummings Underwriter Erin Cummings Underwriter – Backup (530)274-6932 (530)274-6932erin.cummings@networkedins.com Jeanine Haring Underwriter Jeanine Haring Underwriter – Backup (530)477-3938 (530)477-3938jeanine.haring@networkedins.com Sara ZahmUnderwriter – Backup (530) 274-6927sara.zahm@networkedins.com

5. July 2007 Networked Insurance Agents Copyright 2007 Personal Lines CCRs Allison CoulstonCustomer Care Representative - AZ Territory (530) 274-6909allison.coulston@networkedins.com Amber Stone Customer Care Representative - Backup (530) 274-6978amber.stone@networkedins.com Lisa LinesCustomer Care Representative - Backup (530) 274-6970 lisa.lines@networkedins.com Jackie Atkinson Customer Care Representative - Backup (530) 274-6985jackie.atkinson@networkedins.com Trista DutcherCustomer Care Representative - Backup (530) 274-6915trista.ducther@networkedins.com

6. July 2007 Networked Insurance Agents Copyright 2007 What can these Carriers do for you? Do your clients need a quality/competitively priced HO3, HO4, HO6? Networked recommends: Travelers First American Encompass Hartford Colorado Casualty Do you have a High End home you need to place? Networked recommends: Chubb Firemans Fund AIG Private Client How about DP3s? Networked recommends: All of our carriers will write..with the home ! Safeco, First American and Colorado Casualty will write stand alone

7. July 2007 Networked Insurance Agents Copyright 2007 Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers Networked Markets Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers Encompass Hartford Travelers Safeco Colorado Casualty Minimum pref. limits 50/100/50,000 * Need supporting home Firemans Fund* Chubb* Met Life AIG*

8. July 2007 Networked Insurance Agents Copyright 2007 What other tools does Networked Personal Lines have in its tool box that will help me be successful? Stand Alone Excess –RLI Stand Alone in Home Business – RLI Stand Alone Watercraft – Travelers, Foremost, Safeco Manufactured Homes & Motorcycles - Foremost

9. July 2007 Networked Insurance Agents Copyright 2007 So, tell me more… …I Like what I see!

10. July 2007 Networked Insurance Agents Copyright 2007 AIG Private Client Specializing in HV Property at $1 million+ Require three lines to bind i.e. Home, Schedule, Umbrella Minimum Umbrella limit available at $5 million Flood coverage automatically given in the HO3 policy Guaranteed Replacement Cost Possible to do a stand alone Schedule

11. July 2007 Networked Insurance Agents Copyright 2007 Chubb Specializing in HV Property $400,000+. With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess with supporting home Subject to: Brush mapping. Expert home appraisals and loss control evaluation upon issuing of the Homeowners policies. Deductible waived in the event of a loss exceeding $50,000 Deluxe and Standard contents offered 200% Extended Replacement Cost

12. July 2007 Networked Insurance Agents Copyright 2007 Colorado Casualty One of the most competitive packages available without sacrificing quality. Package desired but monoline available for Homeowners, Renters, Auto, and Dwelling Fire Full Pay or EFT payment plans will give the insured a better premium Comp losses are not rated for if under $100 Different effective dates can be written on a package. Two losses are ok to write in the past 3 years. No fire, liability or water losses allowed. Photos required for all homes submitted Lower limits for UM/UIM are not permitted however the coverage can be rejected entirely.

13. July 2007 Networked Insurance Agents Copyright 2007 Encompass Insurance Co Package Policies encouraged however they will write mono line Home, Auto, Condo and Renters A Package consists of the Auto & Primary Home (Homeowners, Condo Owners or Renters) Package policies can also include Boat, Dwelling Fire, Motorcycle, Recreational Vehicles, Motor Homes and Excess Liability All lines of business on one policy, one bill, one deductible, one installment fee. Offers two levels of coverage: Deluxe & Elite Aggregate Property Limits 200% Credit for existing insurance. Will write up to 1 loss on homes including water (subject to approval) All policies are subject to credit score ( will not accept a low score) May be able to write up to 3 total incidents per household on autos (subject to underwriting approval)

14. July 2007 Networked Insurance Agents Copyright 2007 Encompass Sales Tips Credit for existing insurance – Write the home or auto with current effective date and the remaining line with a future effective date (must be submitted at the same time). Underwriting is once and done: The package is underwritten at the time it is submitted and not again when the second policy is effective. Gaps are covered: If the client has a claim that exceeds their primary policy prior to the Encompass policy taking effect, Encompass will cover the difference. (If a covered peril) Locked in rates: If the rates change before the second policy is effective the insured will continue to get the rate that was quoted. Package discount is applied.

15. July 2007 Networked Insurance Agents Copyright 2007 Firemans Fund Specializing in HV Property $400,000+, Auto, Dwelling Fire, Watercraft & Excess No Maximum Coverage A 200% Extended Replacement Cost Need to Write Home to Write Auto Send in Firemans Fund Location Approval Worksheet with an unsigned Acord application Location approval subject to brush mapping No EFIS

16. July 2007 Networked Insurance Agents Copyright 2007 First American Specialty Specializing in Monoline Homeowners, Condo Owners and Dwelling Fire. No Credit Score! Max 1 loss in the past 3 years No wood shake or shingle roofs Homeowner Plus Endorsement is included in all policies Personal Injury Inflation Guard Personal Property Special Limits: $200 on any one sports card w/ $1,000 aggregate $2,500 on any one oriental rug w/ $10,000 aggregate $2,500 on any one fine art article w/ $10,000 aggregate

17. July 2007 Networked Insurance Agents Copyright 2007 Hartford Insurance Company Currently writing Auto, HO3, HO4, HO6 Secondary Home and Dwelling Fire with supporting Home. Discounts: Account Credit Auto (varies per policy), Home (10%) and 25% Multi-Car. Domestic Partner Discount - married rate for couples in committed relationship or single parent with custody of children. New Home Discount up to 33% Sentinel Silver and Gold Endorsement includes Replacement Cost Contents, Replacement Cost Dwelling (150%), and increase liability limit automatically Home minimum $500 deductible Will write up to two losses of any type in 3 years on home (may be subject to approval) All insurance scores are eligible with Hartford

18. July 2007 Networked Insurance Agents Copyright 2007 Safeco Currently writing HO3, HO4, HO6, Auto, Dwelling Fire, Watercraft and Excess (with package) Will accept any score Discounts: Account Credit, Multi Car, Accident Prevention, Anti Theft Will entertain family risks including youthful operators (good student discount for youthful drivers with 3.0 GPA or better

19. July 2007 Networked Insurance Agents Copyright 2007 Travelers Property & Casualty Currently writing HO3, HO4, HO6, Auto, COC, Dwelling Fire (with supporting Home), Watercraft & Excess Subject to: Credit Score, CLUE, MVRs Discounts: Account Credit 10% Auto & 10% Home Will entertain family risks including youthful operators. (good student discount for youthful drivers with 3.0 GPA or better) COC policy available with endorsement covering building materials. No owner builders.

20. July 2007 Networked Insurance Agents Copyright 2007

21. July 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account? VERY IMPORTANT: Our carriers do not allow us to extend binding authority to our affiliates. In order to expedite binding of your submission please follow these instructions carefully. First quote the risk on NLinkPL at www.networkedins.com To request binding fax (530) 274-2527 or email plapps@networkedins.com a completed submission (please note we treat all applications as bind requests). Please do not send applications for pre-approval. Within 4-6 hours you will receive an acknowledgement letter

22. July 2007 Networked Insurance Agents Copyright 2007 How do I bind a Personal Lines Account Continued…. Once the underwriter reviews the account you will then receive one of the following within 24 hours. A Confirmation of Coverage if the submission is complete and the risk qualifies. **Please note coverage is not bound until you receive a confirmation of coverage from Networked. An Additional Information Memo if the submission is incomplete. **Please note Networked will not bind coverage until all information is received and the effective date will be determined once submission is complete A Declination Letter if the risk is unacceptable. **Please note another carrier will be offered if one is available

23. July 2007 Networked Insurance Agents Copyright 2007 How to complete an Auto submission: Completed Acord Auto Application Prior Dec Page – Copy of NLINK PL Quote Supplemental Forms/Items Signed UM Form – May be carrier specific Proof for a not-at-fault accident (i.e. Police Report or letter of experience) Company Specific Supplemental Signed Drivers Exclusion

24. July 2007 Networked Insurance Agents Copyright 2007 How to complete a Home submission: Completed Acord Application Replacement Cost Estimator Agents Copy of the NLINK PL quote Supplemental Forms: Older Home Questionnaire – Company Specific Wood Stove Questionnaire – Company Specific Photos (if applicable)

25. July 2007 Networked Insurance Agents Copyright 2007 Escrow Closes Networked understands the urgency of escrow closes. We have implemented the following for your convenience: Fax in a complete submission noting on the cover page that this is an escrow close. If you have scanning capabilities you can email the submission directly to the underwriter to help expedite the procedure. Once faxed, contact the underwriter who will be handling the account to let them know you have sent in an escrow close and give the clients name. The underwriter will work that account first and contact you immediately to advise if an EOI can be issued or if additional information is needed. **Please note Networked does not require signatures to bind coverage for escrow closes**

26. July 2007 Networked Insurance Agents Copyright 2007 Please mail all originals and down payment to our office within 7 days of receipt of the confirmation of coverage. Please note since Networked holds the carrier appointment our affiliates are unable to contact the carriers directly. For any questions about a risk please contact your designated underwriter Final Step…

27. July 2007 Networked Insurance Agents Copyright 2007 THANK YOU! We appreciate your business!