Personal Linesportfolio

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Partner with the best.

Strong &true to our roots

In 1919, a Pennsylvania farmer’s association founded our company to provide farm-related workers’ compensation insurance to its members. Today, we do business in nine states, including a broad variety of business insurance and personal auto and homeowners insurance. And, we changed from an agricultural focus to a service-economy focus. True to our roots, we’re still a mutual insurance company, which means that we operate for the benefit of our policyholders.

Headquartered in Harrisburg, PA, we are a financially sound company with an A.M. Best Financial Strength Rating of A- (Excellent). And we’ve always sold through independent agents, focusing on helping our agents grow. About Us

Focused on helping our agents grow

We’re a regional company that delivers our products only through independent agents. So we’re always focused on helping our agents grow. From competitive products and pricing to real-time, fast online quoting. From attractive commission and profit-sharing programs to local presence and outstanding claims service.

Our Underwriting Philosophy

Penn National Insurance wishes to maintain a long-term, stable relationship with the personal lines accounts that you present to us. Our underwriting philosophy is predicated on writing and retaining quality risks that consistently produce profitable results.

Using predictive modeling, our underwriting system applies a myriad of factors and different characteristics to accurately and fairly rate auto and homeowners risks in order to capture a broader market while remaining profitable. Our people set us apart

We have been told time and time again that it is our people who set us apart. From the friendly voices of our customer service staff to the personal visits by our territory managers and underwriters to the promptness of our claims adjusters, we offer our agents and customers outstanding service. From our regional offices, we have local people in place to offer local solutions.

Plus, our agents benefit from the unusually long tenure of our employees. Our staff stability means that our agents have developed long-lasting relationships with their territory managers, underwriters and our executive management team.

Our goal is to delight our customers — both agents and policyholders — with outstanding service, products and people.

Winner of: Best Places to Work in Insurance | Best Places to Work in IT | Best Places to Work in PA Products

Comprehensive coverage at a competitive price.

n Medical Payments Coverage pays for injuries to the insured and passengers.

n Bodily Injury Liability Coverage for injuries to someone else resulting from a crash caused by the insured.

n Property Damage Liability Coverage pays for damage caused to someone else’s car or property in a crash.

n Collision Coverage pays for repairs to the insured’s car after an accident. n Other-Than-Collision auto (Comprehensive) Coverage pays for repairs to the insured’s car after damage Medical from something other than a collision. Liability n Uninsured and Underinsured Motorist Coverage pays medical bills Collision for insured and passengers if a driver without insurance or without enough Comprehensive insurance causes injuries in a crash. UM/UIM

Additional Coverages

We offer a variety of optional coverages that can be purchased for an additional premium.

Auto Loan/Lease Coverage for the difference between the amount owed on a car loan or lease and what would be paid under a personal automobile insurance policy if car were totaled. Pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

Replacement Cost Auto Covered losses are paid without considering depreciation in the car’s value. Cost would only be the policy deductible. Cars damaged as a result of fire or theft will be covered at actual cash value. Auto We reward responsible car owners and good drivers by offering a variety of premium discounts, including discounts for: n Passive restraints, such as automatic seatbelts and airbags n Good student discount n Drivers who have passed an approved driver’s education course n Multi-car discount n First accident forgiveness n Multi-policy discount n Daytime running lights n Paid-in-full discount

Because insurance laws are different in every state, Auto PennPac® Endorsement we do not offer all discounts in all states. This optional, affordable endorsement bundles valuable coverages for extra peace of mind. Auto PennPac includes: n Pet Coverage $ 500 discounts n Automobile Death Benefit $2,500 n Seat Belt and Restraint Benefit $ 500 &features When collision and comprehensive coverages are purchased, you also receive: Preferred Provider Repair n Towing and Labor $ 100 Through our Preferred Repair Program, policy- n Travel Interruption $ 500 holders can take their damaged vehicle to one of n Locksmith Services $ 100 our preferred repair shops or the repair shop of their choice. The shops in our Preferred Repair Program n Airbag Replacement $2,500 have a history of completing quality repairs in a n Personal Effects $ 500 timely fashion, and taking care of all the paperwork. n Non-owned Trailer $2,500 n Sound Equipment $4,000 n Deductible Waivers for Collision: Damaged windshield? • Total Vehicle Loss involving third-party vehicle We have a dedicated National Glass Claims • Not At-Fault Accident Hotline – 800.330.3038 – for the fastest service for policyholder’s auto glass cracks or other damage. • Claimant insured with Penn National Insurance You have the option of selecting to have their glass n Deductible Waivers for Collision and Comprehensive: repaired using the ProGlass Alliance network with • When loss involves both of the insured’s the 20/20 Perfect Guaranty or going to a glass Homeowners and Auto policies with us repair shop of their choosing.

This is not a policy or binder and does not extend coverage. The 20/20 Perfect Vision Guaranty provides Please refer to your policy form for conditions and exclusions. added protection should a policyholder sustain glass damage to the same part that was replaced within the next 20 months or 20,000 miles of driving. The glass will be repaired or replaced free of charge, with no deductible and no claim filed. Products

We offer a variety of coverages and endorsements to meet the needs of homeowners and their property.

Available coverages include: n Personal property located anywhere in the world (some limits apply) n Liability coverage for legal expenses and damages Homeowners n Expenses incurred when Condo damages force family to Renters temporarily leave home Dwelling Fire

homeowners Additional Endorsements Available discounts At an affordable cost, we provide the following endorsements and products that give your clients features additional coverages and higher limits. & Personal Property Replacement Cost Loss Settlement We offer a variety of discounts to qualified – pays to repair or replace damaged or destroyed items homeowners. Some restrictions apply and at today’s price, with no deduction for depreciation. proof of updates may be required. Valuable Articles – covers personal property such n Multi-policy discount as jewelry, furs, fine arts, silver and electronics by n Homeowners loss free discount description and value for virtually any type of loss, with no depreciation and no deductible. n Electrical renovation discount

Loss Assessment – provides coverage for any losses n Plumbing renovation discount assessed as a member of, and required by, a condo or n Heating renovation discount homeowner association, up to the policy limit. n Fire protective device discount n Burglary protective device discount ® Homeowners PennPac , n Retired daytime occupancy discount PennPac Deluxe & PennPac Plus n Nonsmoking discount Increase the most popular special limits and add other n Wind mitigation construction discount valuable coverages on an HO-3 or HO-5 policy by n Home buyer discount adding this affordable package of endorsements. Coverages include: Discounts vary by state. Other coverage may n Identity theft be available or required depending on your state. n Money, coins, bank notes n Securities, deeds, manuscripts, passports n Water back-up, sump overflow Additional Protection n Theft of silverware Boat – Our competitive boat insurance offers you n Credit card theft an opportunity to round out accounts for current customers who own or purchase pleasure boats n Refrigerated property and sailboats. Coverages include physical damage, liability and medical.

Personal Umbrella – Our personal umbrella product Homeowners Preferred Package offers coverage over a broader range of exposures, This package bundles all our additional coverages into at competitive rates. Depending on eligibility, our one endorsement and can be attached to an HO-5 policy. personal umbrella coverage includes protection for The package provides all the coverages of our PennPac customers with: products plus: n Other carriers’ property coverage n Higher limits on six of our most popular coverages n Properties with pools n Replacement cost coverage on personal property n Virtually all types of cars and trucks – private passenger n Specified additional amount of insurance for the dwelling n Recreational vehicles, n Account Single Loss Deductible both licensed and non-licensed n Motorcycles n Boats n Rental and investment properties Automation

We don’t just create fast and simple Our automation capabilities automation solutions for our agents. have been recognized by technology industry leaders: Our goal is to delight agents with n HP Visionary Award for significant great service. strides in improving customers’ technology experiences Our personal lines quoting system — PennPlus® — will surely do just that. Built by agents for agents, n Applied Systems’ Interface Partnership Award for our this robust Real Time system makes it easier and Real Time quoting services faster to quote auto and homeowners policies with us. Plus we provide a wealth of information, tools, reports, and functions to make it easy to do business with us on our online agency portal, PennConnect.

Big enough to offer sophisticated systems and services.

Small enough to offer our agents and our policyholders the personal attention and relationships that only a regional carrier can offer. solutions PennPlus® The “Plus” speaks to the enhanced ease-of-doing business capabilities of our online quoting system. Features include: n Easy-to-navigate quote tabs n Automatic ordering and inclusion of IBS, MVR, and CLUE reports, with the ability to dispute losses/violations n Integrated home cost valuator and automatic protection class field populated n Self-populating data fields n Automatic capitalization of name and address fields n ZIP code lookup that contains our territory codes n VIN number counter that tells you how many characters were entered n Rating for increased limits as well as entered limits n A newly designed worksheet n A proposal to present to your clients n One-page application n Billing and installment information n Online deposit and RPP authorization integrated with policy submission n Easy application of upload changes and overnight processing n Access marketing brochures

Real Time Quoting Penn National Insurance is committed to supporting the industry-wide, real-time education and implementation initiative, in conjunction with ACORD and Agent Council for Technology (ACT). Real-time is the ability to click on a button from your agency management system or comparative rater for immediate access to carrier information on the client. Whether you use AMS, TransactNOW or IVANS Transformation Station, we offer the following real-time features: n Claims Inquiry n Billing Inquiry n Loss Runs Inquiry n Policy Inquiry n Comparative raters – SilverPlume (PL Rater) and EZLynx

And to complete the quoting process, we download the policyholder information back to you upon issuing the policy or policy changes. Automation

Online services through our agents’ extranet PennConnect is our outstanding online agency extranet, where you’ll find a variety of tools for doing business with us:

n Make direct bill payments or personal lines deposits on behalf of your direct bill policyholders n View Web payment and deposit history, including a searchable directory of payments and deposits made n Manage recurring payments program, with access to necessary forms for our n Free access to replacement cost valuator n View a variety of reports, for easy tracking of your agency’s results agents n Billing, policy & claims information — search by policy number, account number, claim number or by a portion of the account name n Searchable directory of company forms, manuals, news and bulletins n Quote new Personal Lines n Quote and submit Personal Lines changes n View real-time daily policyholder notice of cancellations Marketing & Sales Support Materials

n Customize marketing & sales support materials with your agency information

n Order marketing materials and forms free of charge Policyholders can enjoy the benefits of our mobile-ready online services, wherever they go.

Go Paperless! n Sign up to be notified by email when their bill is eady.r n No paper, no clutter – with easy access to documents in one location. n Make payments securely, check a balance, view payment history, and manage payment method. n Instantly access account information when needed. n Report a claim. n Request simple policy changes.

Online Convenience. On-the-Go Service. for our policyholders

More Convenience. More Savings. Mobile App Available for Within PennPlus, you can sign up your new business Android and iPhone policyholder for our Recurring Payment Plan. Our app allows policyholders to: n They will save time and money. No checks or n Make payments postage costs needed. n Report a claim n If paying monthly, they can pick their own due date, with the Recurring Payment Plan. n Manage their account n Enjoy the worry-free freedom of knowing n Find a repair shop payment has been made. n Find a towing service n View property damage checklist n View and contact their agent n View policy information and invoice Our claims service is second to none.

We sell a product that customers hope they never use. Prompt. If they do have to use it, they interact with us during a time of terrible crisis. A car crash. A home burglary. A fire. Our product Painless. is a legal contract, promising to cover some types of losses, but not all losses. It can be tough explaining what’s covered and what’s not, when the customer is suffering through a crisis. We must stick to the terms of the legal contract of insurance. But keep the customers happy at the same time.

Convenience. Service. High We don’t outsource our call center a thousand Customer miles or a continent away from our base of operation. If you need to talk with us, our Satisfaction customer support representatives are available Scores from 8 a.m. – 4:30 p.m. ET, M-F, to offer our agents and policyholders knowledgeable, courteous and prompt answers.

15 years of customer satisfaction Here are just a few of the comments that your customers research confirms an amazingly write about our claim services: high satisfaction rate. We can’t always say to claimants, “ Service was excellent and personnel were very cooperative. “Relax, you’re covered.” Sometimes Thanks for your help!” we have to tell people that their loss isn’t covered. Our consistently “Our adjuster was very courteous and pleasant to deal with. high customer satisfaction results He was very detailed in his explanations and he really made our show that whether we’re delivering loss process as comfortable and painlessly simple as possible. good or bad news, we’re doing We have recommended Penn National Insurance to our family it promptly and politely and with and friends as an excellent company to deal with.” genuine concern and empathy. “During my 40 years of driving, I’ve had four claims including this one. I must say I never experienced a more courteous, professional and friendly customer service department.”

“I was especially appreciative how the claims adjuster went the extra mile to facilitate my claim.”

“Ex cellent service. One phone call and ten minutes later my windshield replacement was completely scheduled. All I had to do was show up for the appointment.”

Trust our experience, strength and service.

Through the years, Penn National Insurance has earned the trust of our agents and customers by delivering choice, service and value. We’ve been taking care of our customers since 1919, and we back our promise of protection with our strong financial position.

We’re rated “A- (Excellent)” by A.M. Best and have more than $1.3 billion in assets. We’re a regional carrier, offering our personal lines insurance in Pennsylvania, Tennessee, North

Carolina, Virginia, New Jersey, and Maryland.

Penn National Insurance Post Office Box 2361 Harrisburg, PA 17105-2361 www.PennNationalInsurance.com

An Equal Employment Opportunity/Affirmative Action Employer

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