1. TWFG Commercial Business School – Auto Repair 1 Auto Dealer Program

2. TWFG Commercial Business School – Auto Repair 2 TWFG Commercial Business School Retail & Service Independent Auto Dealer Program TWFG now has access an Independent Auto Dealer Program through Cornerstone Underwriting Partners (CUP) Program includes: Garage Liability Garagekeepers Dealers Open Lot Dealer Errors & Omissions Other Key Coverages

3. TWFG Commercial Business School – Auto Repair 3 TWFG Commercial Business School Retail & Service Independent Auto Dealer Program Program does not include: Property We can obtain mono-line property quotes from a majority of our National Carriers in areas not subject to coastal exposures Comp & Collision Not available for risks within 25 miles of coastal waters or in Flood Zone A locations

4. TWFG Commercial Business School – Auto Repair 4 TWFG Commercial Business School Retail & Service Independent Auto Dealer Program Program designed for: Typical used car lots that sell everyday used cars/trucks. Primary activity is vehicle sales Dealers with some repair and service work Other activities can include: Loan processing Offering of various insurance products Other associated activities New Ventures are Acceptable

5. TWFG Commercial Business School – Auto Repair 5 TWFG Commercial Business School Retail & Service Independent Auto Dealer Program Admitted or Non-Admitted This program is offered on admitted or non-admitted depending on the state. Huge market advantage in those states where program is offered on an admitted basis Review the Independent Auto Dealer State Availability document for individual state details

6. TWFG Commercial Business School – Auto Repair 6 Independent Auto Dealer Program Eligible Classes Include: Independent retail auto/truck dealers with NO service activity Dealers with service/repair activity up to 49% of total revenue Used auto Wholesale/Brokers Used Auto Auctions

7. TWFG Commercial Business School – Auto Repair 7 Independent Auto Dealer Program Ineligible Classes Include: Salvage Operations Franchise/New Auto Sales Mono-Line Dealers Open Lot Repossession Operations Handicapped Modifications, Dealers or Repair Car Rental Motorcycles, ATVs, Watercraft

8. TWFG Commercial Business School – Auto Repair 8 Independent Auto Dealer Program Program Highlights: Minimum Premium$1000 Maximum Deductible$5000 Garage Liability LimitUp to $1,000,000 Fire Legal Liability LimitUp to $300,000 Dealers Open Lot LimitUp to $750,000 GaragekeepersUp to $500,000** New Ventures Acceptable

9. TWFG Commercial Business School – Auto Repair 9 Independent Auto Dealer Program Submission Requirements: Independent Auto Dealer Supplemental Application (Competitor apps are acceptable) 3 Years Loss Runs (Statements of no loss may be acceptable per underwriting approval) An FEIN or Social Security Number is Required

10. TWFG Commercial Business School – Auto Repair 10 Independent Auto Dealer Program Binding Requirements: Signed Quote $250 Flat Policy Fee (fully earned) for policies under $10,000 in premium $500 Flat Policy Fee (fully earned) for policies over $10,000 in premium Signed PIP and UM/UIM rejections forms when applicable

11. TWFG Commercial Business School – Auto Repair 11 Independent Auto Dealer Program Coverage Descriptions: Garage Liability – Combines GL and Auto Liability due to lines separating the two are often blurred Medical Payments – Options include Auto Med Pay, Premises Med Pay, and Combined Med Pay UM/UIM – The coverage functions the same as it does on any auto policy. Charged on per dealer plate basis

12. TWFG Commercial Business School – Auto Repair 12 Independent Auto Dealer Program Coverage Descriptions: Garagekeepers – Provides physical damage coverage for autos while in the care, control, and custody of the insured. There are 2 options when selecting Garagekeepers: Legal Liability – Provides coverage for physical damage arising from negligence Primary – Provides primary coverage to customers autos. The policy responds regardless of whether or not the insured was negligent

13. TWFG Commercial Business School – Auto Repair 13 Independent Auto Dealer Program Coverage Descriptions: Dealers Physical Damage Coverage(Dealers Open Lot) – Provides physical damage coverage to vehicles held or sale Optional Coverages: Odometer Alteration Broad Form Garage Endorsement Truth-In-Lending E&O On-Hook Coverage Title Errors & OmissionsSpecified Auto Coverage Insurance Agents E&OBroad Form Products Coverage Drive Other Car

14. TWFG Commercial Business School – Auto Repair 14 Independent Auto Dealer Program Coverage Descriptions: Garage Liability – Combines GL and Auto Liability due to lines separating the two are often blurred Medical Payments – Options include Auto Med Pay, Premises Med Pay, and Combined Med Pay UM/UIM – The coverage functions the same as it does on any auto policy. Charged on per dealer plate basis

15. TWFG Commercial Business School – Auto Repair 15 TWFG Commercial Business School Retail & Service Questions???