StarAdvantage® Businessowners Program

2012 Program EnhancementsAgent Presentation

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Overview

Garage classes are now eligible for StarAdvantage BOP

New coverage enhancements apply to all BOP customers

Product enhancements apply to New Business effective on or after Nov. 1, 2012

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Eligible Garage Classes

Body Shops Parts & Supply Stores (Retail)

with Service Bays Car Washes (Other Than Self-service) Gas Stations with Service Bays

• Full or self-service

• With or without car wash

Service/Repair Shops

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Service/Repair Class Descriptions

Accessories Sales & Installation

Air Conditioning and Heating Alarm Systems Brake and Clutch Decals & Pinstriping Detailing Electrical General Repairs Glass

Mufflers Oil Change & Lubrication Pinstriping, Waxing & Buffing Radio/Stereo Systems Rustproofing & Undercoating Sun Roofs Tires Transmissions Tune-ups Upholstery & Car Tops

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Product Eligibility

Garage Operations Size Eligibility• 100,000 sq. ft. per garage location; insured must be occupant

• $5 million annual gross sales per garage location;off-premises limited to 25%

• 15 employees; total for all garage locations

Garage Operations Are Not Bindable

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Garage vs. Non-Garage Classes

Classification Use garage class Use NON-garage class

Auto parts & supply store

With service bays Without service bays

Convenience store with gasoline

Full-service With service bays

Self-service Without service bays

Tire dealer With service bays Without service bays

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Coverage Enhancements Automatic

Primary/Non-Contributory Language• Al – Manager/Lessor of Premises• Al – Lessor of Leased Equipment

Business Income Ordinary Payroll Expense• 12-month period of coverage (same as other BI expenses)

Damage to Rented Building Assumed through Lease or Contract• $5,000

Fire Department Service Charge • $25,000

Newly Acquired or Constructed Property• Buildings: $1 Million • BPP: $500,000

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Coverage Enhancements Automatic

Newly Acquired Organizations (Liability)• Earlier of 180 days or end of policy period

Pollutant Clean-up and Removal (Property)• $25,000

Reward Coverage• $25,000

Waiver of Transfer of Rights of Recovery Against Others to Us (Written Contracts)—Liability

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Coverage Enhancements Optional

Specifically Named Additional Insureds• Manager/lessor of premises

• Lessor of leased equipment

Per Claim PD Liability Deductibles Gasoline Spill Liability Aggregate Liability Limits of 3X Occurrence Limit for

Both General and Products-Completed Operations Aggregates

Per Project General Aggregate Snow and Ice Removal—Products/Completed

Operations

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Garage Coverage Automatic

Covered Property Clarification• Buildings—include above- and below-ground storage tanks including

piping, connections and electrical equipment• BPP—includes fuel in above- and below-ground storage tanks

Customers’ Autos Coverage (GKLL)• $20,000 excess legal liability comprehensive and collision for garage

locations with a $250 per auto/$500 per occurrence deductible

Damage to Leased Property• $20,000 per occurrence

Damage to Your Product Caused by Defective Products• $250 deductible

Employees’ Tools• $5,000 per occurrence/$500 per tool maximum

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Garage Coverage Automatic

Hired and Non-Owned Auto Liability • N/A in IL and VT

• Afforded on an excess basis and not subject to aggregate limits

Operation of Customers Autos on Insured Premises Ordinance or Law Coverage at Garage Locations

• Coverage 1

• Coverage 2: $50,000

• Coverage 3: $50,000

Supplemental Payments• Bail Bonds: $2,500/Loss of earnings: $500

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Optional Garage Endorsements

Broad Form Endorsement (N/A in IL, VT)• Broad form insured—hired auto and non-owned auto liability

• Hired auto liability coverage territory amendment

• Hired auto physical damage: $50,000

• Injury to co-employee coverage—hired auto liability

• Knowledge or notice of occurrence or offense

• Unintentional failure to disclose hazards

• Cancellation condition—60 days notice required

Damage To Your Work (Liability)—$500 deductible

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Garage Premium Determination

Garage Liability• Rating based separately on number of full-time (FT) and number of

part-time (PT) employees All companies currently available under BOP now

available for garage operations (preferred, standard, surcharged)

Minimum Premium• Same minimum premium for garage segment as for other segments,

except $1,250 in NJ and $1,000 in PA Available Discounts:

• Central station• New building• Multiple location• Franchisee (except not applicable to gasoline stations)

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Thank you!

Thank you for viewing this presentation on Harleysville’s StarAdvantage Businessowners Program enhancements.

If you have any questions about the product, please contact your Harleysville commercial lines territory manager, business development specialist or commercial lines underwriter.