Why Farmers Insurance for Your Business? Discussion with Nancy O’Neale February 5, 2016

Farmers Financial Stability Farmers opened for business in 1928, just before the Great Depression. During that turbulent period, we paid claims in cash while others issued IOUs. Through the years, we kept a simple approach that centers on disciplined investment strategies, caring for the community and providing excellent service to our customers.

Farmers Financial Strength Our financial strength makes us a standout in the industry: Farmers Group, Inc., is a subsidiary of Zurich Financial Services, the world’s second-largest Commercial Property and Casualty insurer All three of the major credit reporting agencies — AM Best, Moody’s, and Standard and Poor’s — give Farmers an “A” rating and a “Positive” or “Stable” outlook Farmers manages small-business premium of over $2.2 billion and more than 600,000 policies Acquisitions of companies like Foremost, Bristol West, Zurich Small Business, and 21st Century Insurance, further illustrate that strength

Farmers Brand Recognition With over 80 years as a trusted brand, Farmers is the third-largest insurer of homes and vehicles in our operating territories, and the second-largest Commercial multi-peril writer. It’s a strong position to be in, and has allowed us to be the fastest-growing multi-line carrier in the United States.

Farmers Community Involvement We have a longstanding tradition of community outreach and support. From scholarship programs to educational resources to supporting the arts, Farmers’ community involvement is as diverse as its customers and agents. Farmers partners with, and is a major supporter of, organizations such as the March of Dimes and the National Center for Missing and Exploited Children. Farmers agents play a major role in these efforts — giving back to the communities where they live and serve.

Farmers Claims Response With our award-winning Farmers HelpPoint® service your get an unparalleled claims response: One number to call — (800) 435-7764, or (800) HELPPOINT Specially trained consultants can help you file a claim, determine your most urgent needs and meet them fast HelpPoint is available every day of the year, around the clock Complementing HelpPoint is our industry-leading catastrophe response team with three Mobile Claims Center buses and 39 Customer Care Vehicles throughout our operating territory Farmers is ready wherever a disaster strikes — you can rest assured that we’ll be there when you need us most

Your Farmers Local Agent Nancy O’Neale We have the ability to satisfy your insurance needs: As your professional, local agent, I help you with your personal Auto, Home, Specialty, Life, and Business insurance needs Getting insurance from a single source helps simplify your life As your Farmers agent, I can offer you a broad array of coverage discounts As your Farmers agent, I put my professional experience to work for you, helping you to choose the coverage you want and that is suited to you I recognize that your business is unique and requires insurance coverage that meet your specific needs – our Farmers packages can be designed for the challenges and opportunities that you often face and tailored for your needs

Farmers Business Owners Packages Farmers offers a wide range of business packages that are customized to meet our client’s needs including coverage for: Artisan Contractors Workers Compensation Auto Service & Repair Commercial Umbrella Automotive Trades Business Auto We also offer: Habitational Builders Risk Hospitality Surety Bonds Institutional General Liability Manufacturing Professional Liability Real Estate Retail Services

Disability Income Insurance Farmers Business Life Insurance As a business owner, life insurance is an important asset in the longevity of your business. We don’t just want to cover your property, we want your business to be around for a long time. To help you accomplish this, Farmers offers life insurance products such as: Key Person Insurance Group Life Insurance Disability Income Insurance We tailor a package to fit you and your employees needs at affordable rates. We’d be happy to customize a package just for you and your business.

A Farmers Free Business Consultation Because Farmers offers such a wide range of products, we don’t believe in a cookie cutter approach when it comes to your business. In order for us to customize a package just for you, it’s best that we sit down and talk about your insurance needs. I’d like to find out more about your business and review your existing insurance to see if you have any gaps in your coverage. At Farmer’s, we’ve got you covered! Please contact me today to schedule your free business consultation.

A Farmers Free Business Consultation Please contact my agency to schedule your free business consultation at: Nancy O’Neale Farmers Birmingham Agency 36880 Woodward Avenue, Ste. 103 Bloomfield Hills, MI 48304 248.750.0973 (office) 248.346.5068 (direct) noneale@farmersagent.com www.farmersagent.com/noneale www.facebook/farmers.noneale