Master PacSM

Pac PlusSMQuickReferenceGuideSELECT ACCOUNTS | SMALL BUSINESS

Available liability options:XTEND Endorsement® –• AircraftCharteredwithCrew• BlanketAdditionalInsured–ManagersorLessorsofPremises• BlanketAdditionalInsured–LessorofLeasedEquipment• BlanketWaiverofSubrogation• BroadenedNamedInsured• DamagetoPremisesRentedtoYouExtension• ExtensionofCoverage–BodilyInjury• IncidentalMedicalMalpractice• IncreasedSupplementaryPayments–Costofbailbondsupto$2,500Lossofearningsupto$500perday

• InjurytoCo-EmployeesandCo-VolunteerWorkers• KnowledgeandNoticeofOccurrenceorOffense• Non-OwnedWatercraft–Increasedto50feet• PersonalInjury–AssumedbyContract• ReasonableForce–BodilyInjuryorPropertyDamage• UnintentionalOmission• AdditionalcoveragesapplytoManufacturersandWholesalers

Other available liability options include:• AdditionalInsureds–Various• CyberFirstEssentials®–Small Businessavailablein2

nd GenTravelersExpress for Master Pac• EmployeeBenefitsLiability• EmploymentPracticesLiability+SM(EPL+)withIdentityFraudExpenseReimbursementavailablein

2nd GenTravelersExpress for Master Pac• GaragekeepersLegalLiability• HiredandNon-ownedAutoLiability• Limits:$2Moccurrence/$4Maggregate-availableformostsegments• ProfessionalLiabilityforPrintersandVeterinarians• StopGap–MonopolisticWorkersCompensation• WorldBusinessEssentials

Features:• “Special”Form• ReplacementCost(ACVOptional)• NoCoinsurance• Deductible

– $500standardforMaster Pac– $1,000standardforPac Plus– Optionsfor$1,000;$2,500;$5,000;$10,000or$25,000

Building includes:• Completedadditions• Fencesandfixtures• Permanentlyattachedmachineryandequipment• Retainingwalls• Ownedpropertyusedtomaintainorservicebuilding,structureorpremises

Business personal property includes:• Propertywithin1,000feetofthepremises• Propertyofothersintheinsured’scare,custody,orcontrol.SeealsoBaileesCustomersGoodsoption

• Improvementsandbetterments• MoneyandSecurities(Theftperilcanbeexcluded.ForPac Plus,theftperillimitedto$25,000,butlimitcanbeincreased)

• Theftoffurs–Upto$2,500• Theftofjewelry,watches,preciousmetals–Upto$5,000

– Limitationdoesnotapplytojewelryorwatchesworth$500orlessperitem.IncreasedlimitsforpreciousmetalsapplyforManufacturers

• Theftofpatterns,dies,moldsandformsupto$2,500.Increasedlimits applyforManufacturers

Business income and extra expense:Apartment PacSM, Building PacSM, Business PacSM, Condominium PacSM, Contractors PacSM, Office PacSM, RestaurantSMandStore Pac®segments–Actuallosssustainedfor12consecutivemonths(optionalforGarage PacSMandReligious PacSM).

• CoverageisoptionalforallPac Plussegments.• ForallPacandPac Plussegments,coveragemaybewrittenonapolicyorlocationlevelsubjecttoamaximumdollarlimitwithoutthe12-monthlimitation.Dollarlimitswillbedeterminedbyapercentageofannualreceiptsandcanbemodified(notapplicabletoReligious Pac)– 50%ofannualreceiptsforBusiness,Contractors,Manufacturers,Office,Restaurant,StoreandWholesalers

– 80%ofrents/feesforApartment,BuildingandCondominiums• ExtendedBusinessIncome–Upto60consecutivedayswithoptionstoincrease• Deductibledoesnotapply• SeealsoCoverageextensions:Dependentoncertaincoverages

Property coverages

Additional coverages:(*Coverage in addition to the Limits of Insurance)

• ArsonandTheftReward*–Upto$5,000,deductibledoesnotapply• ClaimDataExpense*–Upto$5,000forexpensesincurredforrequiredactivitiesincludingtakinginventory,appraisals,etc.

Additional coverages and coverage extensions

Additional coverages, cont.• DebrisRemoval*–Upto25%ofthesumofdirectlosspaidplusdeductible.Uptoanadditional$25,000mayapply

• EmployeeDishonesty*–Upto$25,000.Limitcanbeincreased.Canbeexcluded.• ExpeditingExpenses*–Upto$25,000• FineArts*–Upto$25,000.Limitcanbeincreased.Limitedexclusions.Breakagelimitationdoesnotapply.Coverageappliesanywhereinpolicyterritory.Statedvalueappliesifscheduleisonfile

• FireDepartmentServiceCharge*–Upto$25,000,deductibledoesnotapply• FireProtectiveEquipmentDischarge*–Upto$10,000foraccidentalorintentionaldischarge

• ForgeryorAlteration*–Upto$25,000.Limitcanbeincreased.Includeslegaldefense.Canbeexcluded

• GreenBuildingAlternatives–IncreasedCost–5%oflossofordamage,upto$25,000• GreenBuildingReengineeringandRecertificationExpense–5%oflossofordamage, upto$25,000

• NewlyAcquiredorConstructedProperty*– Building–Upto$500,000– BusinessPersonalProperty–Upto$250,000– Upto180days

• OrdinanceorLaw*–Uptoacombinedlimitof$25,000for:– Lossinvalueofundamagedportionofbuilding– Demolitioncost

– Increasedcostofconstruction

– Limitcanbeincreased.SeealsoOrdinanceorLaw–IncreasedPeriodofRestoration

• OutdoorTrees,Shrubs,PlantsandLawns*–Upto$3,000forallcoveredcausesofloss,includesdebrisremoval

• PollutantCleanupandRemoval*–Upto$25,000annualaggregate• PreservationofProperty–Upto90days• TemporaryRelocationofProperty*–Upto$50,000forpropertyremovedfrompremisesforupto90days

• WaterDamage,OtherLiquids,PowderorMoltenMaterialDamage–Payscostsrelatedtoaccessingthesourceofdamage

Coverage extensions: Dependent on certain coverages:(*Coverage provided within the Limits of Insurance)

• AccountsReceivable–Upto$25,000onandoffpremises.On-premiseslimitcanbeincreased.Deductibledoesnotapply

• AppurtenantBuildingsandStructures–Upto$50,000• BuildingGlass*–Forbuildingownerortenant,propertydeductibleapplieswithoptionforglass-specificdeductible.Fewexclusionsapply

• BusinessIncomeandExtraExpensefromDependentProperty–Upto$10,000–Limitcanbeincreased.24-hourwaitingperiodapplies

• BusinessIncomeandExtraExpense–NewlyAcquiredPremises–Upto$250,000forupto90days

• BusinessPersonalPropertyOffPremises*–Coverageapplies:– Intransit(toorfromthepremises)– Temporarilyatapremisesyoudonotown,lease,oroperate– Atanyfair,tradeshow,orexhibition.(ExceptionsapplytoManufacturers andWholesalers)

• CivilAuthority*–ExtendsBusinessIncomeandExtraExpensecoveragebeginningaftera24-hourwaitingperiod(nowaitingperiodforExtraExpense),foruptothreeconsecutiveweeks

• ElectronicDataProcessing*–IncludeduptoBusinessPersonalPropertylimit,subjecttoamaximumof$50,000–Limitcanbeincreased– Worldwidecoverage– Limitedexclusions(artificialelectricity,breakdown,andoff-premisespowerfailure arecovered)

– Upto$25,000fortransit/offpremises– Upto$25,000fornewlyacquiredEDP– Upto$25,000backupdataoffpremises– Upto$25,000forelectronicvandalism–SeealsoInterruptionofComputerOperations

Additional coverages and coverage extensions

Coverage extensions, cont.• EquipmentBreakdown*–Included

– Upto$25,000forpollutantcontamination– Upto$25,000forexpeditingexpenses– $100,000limitappliesfordirectdamageofdiagnosticequipment,power-generatingequipment,orproductionequipment–Limitcanbeincreased

– Breakdowncoveragetoutilityservicesiscovered– Coveragecanbeexcluded– SeealsotheSpoilageoption

• GreenBuildingandBusinessPersonalPropertyAlternatives–IncreasedPeriodofRestoration–Upto30days

• GreenBusinessPersonalPropertyAlternatives–IncreasedCosts–5%oflossofordamage,upto$25,000

• InterruptionofComputerOperations– Upto$25,000aggregatelimitduetophysicallosstoEDPdata/media.Limitcanbeincreased

• MoneyOrdersandCounterfeitPaperCurrency*–IncludedwithinBPP• Non-OwnedDetachedTrailers*–Upto$5,000• OrdinanceorLaw–IncreasedPeriodofRestoration–Upto$25,000• OutdoorProperty*–Upto$10,000appliesto:

– Bridges,walks,roadways,patios– Radioandtelevisionantennas– Satellitedishes

• PersonalEffects–Upto$25,000• Signs*–Coverageincluded.On-premisescoverageonly.Off-premisessignscanbecoveredundertheSignsInlandMarineoption

• Spoilage–ConsequentialLoss*–Coversdamageduetochangeintemperatureorhumidityduetoacoveredcauseoflosstospecifictypesofequipmentwithinthebuildingatthedescribedpremises–SeealsotheSpoilageoption

• TheftDamagetoRentedProperty*–Appliestotenantswhoareobligatedtomakerepairs• ValuablePapersandRecords–Upto$25,000onandoffpremises–On-premiseslimitcanbeincreased

Available property and inland marine options:Power PacSM Endorsement –• AccountsReceivable–Increasedby$100,000onandoffpremises• BrandsorLabels–Upto$25,000• BusinessIncomeandExtraExpensefromDependentProperty–Increasedto$25,000• BusinessIncomeandExtraExpense–NewlyAcquiredPremises–Increasedto$500,000• ClaimDataExpense–Increasedto$10,000• ComputerFraud–Upto$5,000• Electronicdataprocessingequipment,dataandmediaoffpremises–Increasedto$50,000• Electronicvandalism–Increasedto$50,000• ExtendedBusinessIncome–Increasedto90days• IdentityFraudExpense–$15,000(AnnualAggregatePerInsuredPerson)• LimitedBuildingCoverage–TenantObligation–Upto$5,000• LostKeyConsequentialLoss–Upto$500• NewlyAcquiredBusinessPersonalProperty–Increasedto$500,000• OrdinanceorLaw–Includestenantsimprovementsandbetterments• OrdinanceorLaw–IncreasedPeriodofRestoration–Increasedto$50,000• OutdoorTrees,Shrubs,PlantsandLawns–Increasedto$5,000• UnauthorizedBusinessCardUse–Upto$5,000

Property and inland marine options

*Unlessotherwisespecified,limitsareonaperoccurrencebasis.

Available property and inland marine options, cont.• UtilityServices–DirectDamage–Upto$2,500• UtilityServices–TimeElement–Upto$2,500Building Owners Endorsement* – • LessorsLeaseholdInterestupto$25,000• OrdinanceorLaw–increasedto$100,000perpremises/$250,000peroccurrencewithhigherlimitoptionsavailablein

• TenantMoveBackExpensesupto$25,000• Debrisremovalincreasedto$50,000

Other available property and inland marine options include:• BaileesCustomersGoods–Providescoverageatdescribedpremises,atagentorsubcontractorpremisesorintransit.Alimitednumberofexclusionsapply. Coverageincludes:– BusinessIncomeandExtraExpense– ConfusionofProperty– MissingPropertyexceeding$1,000– WorkinProgressexceeding$1,000– GoodsinTransit–Upto$30,000– Furs–Upto$5,000,nottoexceed$2,500peritem

• ERISA–BroadensinsuredtoincludeemployeebenefitplanssponsoredbytheInsured–thelimitisseparatefromemployeedishonesty

• InflationGuard–AutomaticallyincreasestheLimitofInsuranceforBuildingand/orBusinessPersonalPropertybyapredeterminedpercentage,pro-ratedforeachdayofthepolicyperiod

• InterruptionofComputerOperations–IncreasedlimitsavailableforBusinessIncomeandExtraExpensecoveragecausedbydirectphysicallosstoEDP

• SewerorDrainBackup–CoversdamagetoCoveredPropertycausedbywaterorsewagethatbacksuporoverflowsfromasewer,drainorsump

• Signs–Upto$25,000forneon,fluorescent,automaticormechanicalsignsandlamps.Allsignsmustbescheduled.5%deductible,butnotlessthan$50persign

• Spoilage–Coverageisprovidedforspoilageofperishablestockcausedbybreakdown,contamination,orpoweroutage.Claimmitigationexpensesandexpensestocleanupanddisposeofpropertyareincluded.Aseparatedeductibleapplies

• UtilityServices–DirectDamage–CoverslosstoCoveredPropertycausedbyinterruptionofwater,communication,orpowersupplyservices

• UtilityServices–TimeElement–Coverstimeelementlosscausedbyinterruptionofwater,communication,orpowersupplyservices–a24-hourwaitingperiodapplies

Automatic coverages:• BodilyInjuryandPropertyDamageLiability• Broadformpropertydamageliability• Defensecosts–outsidethelimitofinsurance• DamagetoPremisesRentedtoYouundertheXTENDEndorsement®:Limitof$300,000–BroadenedPerils

• Hostliquorliability• Limits:$1Moccurrence/$2Maggregate• Limitedworldwidecoverage• MedicalPayments–Upto$5,000• PremisesLiability• PersonalandAdvertisingInjuryLiability• ProductsandCompletedOperationsLiability

Liability

Available liability options:XTEND Endorsement® –• AircraftCharteredwithCrew• BlanketAdditionalInsured–ManagersorLessorsofPremises• BlanketAdditionalInsured–LessorofLeasedEquipment• BlanketWaiverofSubrogation• BroadenedNamedInsured• DamagetoPremisesRentedtoYouExtension• ExtensionofCoverage–BodilyInjury• IncidentalMedicalMalpractice• IncreasedSupplementaryPayments–Costofbailbondsupto$2,500Lossofearningsupto$500perday

• InjurytoCo-EmployeesandCo-VolunteerWorkers• KnowledgeandNoticeofOccurrenceorOffense• Non-OwnedWatercraft–Increasedto50feet• PersonalInjury–AssumedbyContract• ReasonableForce–BodilyInjuryorPropertyDamage• UnintentionalOmission• AdditionalcoveragesapplytoManufacturersandWholesalers

Other available liability options include:• AdditionalInsureds–Various• CyberFirstEssentials®–Small Businessavailablein2

nd GenTravelersExpress for Master Pac• EmployeeBenefitsLiability• EmploymentPracticesLiability+SM(EPL+)withIdentityFraudExpenseReimbursementavailablein

2nd GenTravelersExpress for Master Pac• GaragekeepersLegalLiability• HiredandNon-ownedAutoLiability• Limits:$2Moccurrence/$4Maggregate-availableformostsegments• ProfessionalLiabilityforPrintersandVeterinarians• StopGap–MonopolisticWorkersCompensation• WorldBusinessEssentials

Umbrella

*Unlessotherwisespecified,limitsareonaperoccurrencebasis.

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Thismaterialdoesnotamend,orotherwiseaffect,theprovisionsorcoveragesofanyinsurancepolicyorbondissuedbyTravelers.Itisnotarepresentationthatcoveragedoesordoesnotexistforanyparticularclaimorlossunderanysuchpolicyorbond.Coveragedependsonthefactsandcircumstancesinvolvedintheclaimorloss,allapplicablepolicyorbondprovisions,andanyapplicablelaw.Availabilityofcoveragereferencedinthisdocumentcandependonunderwritingqualificationsandstateregulations.

©2013TheTravelersIndemnityCompany.Allrightsreserved.TravelersandtheTravelersUmbrellalogoareregisteredtrademarksofTheTravelersIndemnityCompanyintheU.S.andothercountries.CX-1253Rev.11-13

Automatic coverage:• BroadenedWhoIsInsuredProvision• Worldwidecoverageterritory• Contractualliabilitynotlimitedto“insuredcontract”definition• Expandedbodilyinjurydefinition• Nolimitingdefinitionformobileequipmentorloadingandunloading• Automaticcoveragefornewlyacquiredandformedorganizations,otherthanpartnershipsorjointventures(majorityinterestrequired)

• Firstdollardefenseforsuitsnotcoveredbyunderlyinginsurance