1. July 2007 Networked Insurance Agents Copyright 2007 Networked gives you the tools you need to make your Personal Lines business grow! California Personal Lines

2. May 2007 Networked Insurance Agents Copyright 2007©

3. May 2007 Networked Insurance Agents Copyright 2007© Personal Lines Management Scott SmithPersonal Lines Manager Scott SmithPersonal Lines Manager (530) 274-6981 scott.smith@networkedins.com Gina BajonePersonal Lines Senior Underwriter/Team Leader Gina BajonePersonal Lines Senior Underwriter/Team Leader (530) 274-6923gina.bajone@networkedins.com

4. May 2007 Networked Insurance Agents Copyright 2007© Personal Lines Underwriters  Erin Cummings Handles: TSVP Greg Arca & Rocco DeMateis & Chris Decolati (530) 274-6932erin.cummings@networkedins.com  Sara Zahm Handles TSVPs Cheryl Hicks (530) 274-6927sara.zahm@networkedins.com  Jeanine Haring Handles TSVP’s Larry Oslie & Cheryl Hicks (530) 477-3938jeanine.haring@networkedins.com

5. May 2007 Networked Insurance Agents Copyright 2007© Personal Lines CSR’s  Allison CoulstonHandles: TSVP Apinya Nguy (530) 274-6909allison.coulston@networkedins.com  Jackie AtkinsonHandles: TSVP Greg Arca & Jeannette Riley (530) 274-6985jackie.atkinson@networkedins.com  Trista DutcherHandles: TSVP’S Cheryl Hicks (530) 274-6915trista.dutcher@networkedins.com  Lisa LinesHandles: TSVP Larry Oslie (530) 274-6970lisa.lines@networkedins.com  Amber Stone Handles: TSVP Apinya Nguy & Marcia Rudick (530) 274-6978amber.stone@networkedins.com

6. May 2007 Networked Insurance Agents Copyright 2007© Personal Lines Tech’s  Michelle DailyHandles all pre-approval CLUE, MVR and mapping requests (530) 477-3965plapps@networkedins.com

7. May 2007 Networked Insurance Agents Copyright 2007© NETWORKED MARKETS - We give you access to name brand, customer recognized, competitively priced Carriers! NETWORKED MARKETS - We give you access to name brand, customer recognized, competitively priced Carriers! Property   Chubb   Encompass   First American   Hartford   Safeco  Kemper  Travelers  Clarendon/Balboa  Fireman’s Fund  AIG Private Client* *Package only

8. May 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   Kemper   Do you have a “High End” home you need to place?   Networked recommends:   Chubb   Fireman’s Fund   AIG   How about homes with multiple losses?   Networked recommends:   Balboa   Foremost * (anticipated release 12/05!)   Stand alone DP3’s?   Networked recommends:   Travelers   Balboa   First American   Kemper

9. May 2007 Networked Insurance Agents Copyright 2007© How About Auto? Once again, Networked has access to Name Brand customer recognized, competitively priced Carriers  Encompass  Hartford  Kemper  Travelers  Chubb*  Fireman’s Fund  Safeco Minimum pref. limits 50/100/50,000 * Need supporting home  Non-Standard  Commerce West  Safeco

10. May 2007 Networked Insurance Agents Copyright 2007© What other tools does Networked Personal Lines have in it’s tool box that will help me be successful?  Mobile Home/Manufactured Home/Modular Home – Foremost  Stand Alone Excess –RLI  Stand Alone in Home Business – RLI  Stand Alone Earthquake – Geo Vera, Pacific Select, Royal Sun Alliance  Stand Alone Motorcycles – Foremost, Safeco  Stand Alone Watercraft – Travelers, Chubb, Foremost, Safeco

11. May 2007 Networked Insurance Agents Copyright 2007© So, tell me more… …I Like what I see!

12. May 2007 Networked Insurance Agents Copyright 2007© Balboa  Specializing in monoline property HO3, HO4, HO6 and including monoline Dwelling Fire, Secondary/Seasonal homes and Vacation rentals.  5 tiers available  Will write secondary home without the primary  Dwelling limits as low as $80,000  Will consider up to three losses (must be of different cause).  All Dwelling Fires must be submitted with 2 colored photos (front and back of the risk)

13. May 2007 Networked Insurance Agents Copyright 2007© Chubb  Specializing in HV Property $500,000+. With primary home will also consider Auto, Dwelling Fire, Watercraft & Excess  Subject to: Earthquake and 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  Customers enjoy superior claims service with maximum control over how, when, where and by whom property is replaced or repaired.  200% Extended Replacement Cost  All risk on contents when written in the Deluxe program  24 hour minimum turn around on quotes

14. May 2007 Networked Insurance Agents Copyright 2007© Commerce West  Preferred (Select) and Non-Standard (Protection) Auto  15/30 limits available in Protection only  Discounts: Multi-car permitted between Protection and Select programs  Payment Plan Discounts up to 13% available in the Protection Program for Full Pay or 50% down  Non-Owner Policy available in the Protection program- will write more than 1 driver.  Moving violations charged on violation date.  Agent must provide MVR for the Select Program only  Protection Plan – photos required if no prior insurance or lapse and comp and collision are requested.  SR-22 are available in the Protection Program

15. May 2007 Networked Insurance Agents Copyright 2007© Encompass Insurance Co.  Package Policies preferred  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 three levels of coverage: Special, Deluxe & Elite.  Aggregate Property Limits.  Will entertain family risks including youthful operators. **Lower commission paid on the vehicle the youthful is assigned to.  Credit for existing insurance.  Package discount is 12% off the home and 15% off the auto

16. May 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.

17. May 2007 Networked Insurance Agents Copyright 2007© Kemper Auto & Home  Offers package policies – Home, Auto, PA & Umbrella on one policy, one bill. Aggregate Property Limits on Package Plus  Extended Replacement Cost Coverage (automatically included) provides 150% of the blanket limit, not just Coverage A  Parked Auto Collision: Waives insured’s collision deductible in the event that the insured’s vehicle is hit while legally parked.  Kemper Total: Includes Auto Loan/Lease coverage & Replacement Cost Coverage for the vehicle in event of total loss.  Owned by Unitrin, A rated carrier.  Kemper Package Plus gives your client approximately 14% discount on Auto and 12% discount on Home.  CEC – Credit for Existing Coverage endorsement allows the insured to have a future effective date on Home or Auto and still get the package discount.  Now offering Stand Alone Dwelling Fire

18. May 2007 Networked Insurance Agents Copyright 2007© Fireman’s Fund  Specializing in HV Property $500,000+, Auto, Dwelling Fire, Watercraft & Excess  No Maximum Coverage A  200% Extended Replacement Cost  Is interested in stand alone “high end autos”  Send in Fireman’s Fund Location Approval Worksheet

19. May 2007 Networked Insurance Agents Copyright 2007© First American Specialty  Specializing in Monoline Property, Homeowners and Condo Owners, Stand Alone Dwelling Fires.  Will consider up to two losses of different nature excluding fire and liability. Water losses under $5,000 ok. (receipts may be required)  Homeowner Plus Endorsement is included in all policies  Extended Replacement Cost up to 150%  Ordinance or Law  Personal Injury  Inflation Guard

20. May 2007 Networked Insurance Agents Copyright 2007© Hartford Insurance Company  Currently writing Auto, HO3, HO4, HO6 and Dwelling Fire with supporting Home.  Discounts: Superior Driver 15%, Account Credit Auto 10% Home 15%. New Home Discount up to 33%  Domestic Partner Discount - married rate for couples in committed relationship or single parent with custody of children.  Must meet CA Good Driver to qualify (including youthful operators).  Automatic Replacement Cost Protection for cars under 1 year old with less than 15,000 miles included with Comp and Collision.  $10,000 Accidental Death Benefit included  H5A Endorsement includes: Replacement Cost Contents and Dwelling (150%), Theft of jewelry or watches $2,500/$1,000 per item limit and more.  30% surcharge for first loss, 50% surcharge for second loss

21. May 2007 Networked Insurance Agents Copyright 2007© Travelers Property & Casualty  Currently writing HO3, HO4, HO6, Auto, COC, Dwelling Fire, Watercraft & Excess  Subject to: CLUE, MVR’s, IRAS and Brush mapping.  Discounts: 14% Superior Driver, 12% Degreed Professional and Account Credits of Auto,15% Home 25%. New Home to Customer 10%.  COC policy available. No owner builders.

22. May 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

23. May 2007 Networked Insurance Agents Copyright 2007© High Value and Hard to Place Personal Lines  HO-3  Brush and unprotected properties  Primary, secondary, seasonal and rentals  Earthquake available  HO-4/6  Builders Risk  Vacant Dwellings  Personal Articles Floaters

24. July 2007 Networked Insurance Agents Copyright 2007 Do you have difficulty placing rural homeowners?  High value dwellings  Protection class 9 or 10  Large 4-legged pets  Animals boarded on premises  Too many acres for personal lines Contact our Agribusiness Unit who can place these accounts with mainstream markets and broad homeowners coverage forms. agribusiness_submissions@networkedins.com or call David Lundy (530) 274-6952 or Rebecca Donahue (530) 274-6951

25. May 2007 Networked Insurance Agents Copyright 2007©

26. May 2007 Networked Insurance Agents Copyright 2007© Pre Qualify your Risks: Networked wants to save you time!!! Before you take the time to complete all the forms necessary to get coverage bound pre qualify your risk to see if it will qualify for the coverage you are requesting. Send an email to Michelle Daily at michelle.daily@networkedins.com You will get a response within 6 hours **Remember the technician can only tell you what is on the report, she does not have underwriting authority

27. May 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.  To request binding fax or email a completed submission to Networked (please note we treat all applications as bind requests). Please do not send applications for pre-approval.  Within 24 hours you will receive an acknowledgement letter

28. May 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

29. May 2007 Networked Insurance Agents Copyright 2007© How to complete an Auto submission:  Completed Acord Auto Application  Copies Current Registration/Bill of Sale  Prior Dec Page –  Copy of Agent’s Quote Supplemental Forms or items: as needed  Current MVR’s for Commerce West  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 Driver’s Exclusion

30. May 2007 Networked Insurance Agents Copyright 2007© How to complete a Home submission  Completed Acord Application  Replacement Cost Estimator  Agents Copy of the quote Supplemental Forms: as needed  Older Home Questionnaire – Company Specific  Wood Stove Questionnaire – Company Specific  Photos (if applicable)

31. May 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**

32. May 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. (Note: Commerce West is 3 days! ) 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 Networked’s Personal Lines Underwriting Department.

33. May 2007 Networked Insurance Agents Copyright 2007© THANK YOU FOR YOUR BUSINESS !!! Scott Smith Personal Lines Manager (530) 274-6981 or scott.smith@networkedins.com