Capital Insurance Group (CIG):

Is the leading regional property and casualty insurer serving the Western United States.Since 1898, CIG has been dedicated to serving and protecting our communities by partnering with local Independent Insurance Advisors, supporting local charities, and hosting community-focused events. The relationships we have established with our clients over the years allow us the opportunity to build lifelong partnerships and provide services our clients have come to count on. CIG is rated “A” Excellent by A.M. Best.

CIG is a privately held, employee-owned company providing personal, home and auto insurance in California, Nevada, Oregon, and Washington as well as commercial and agricultural insurance to customers in California, Nevada, Oregon, Washington, Arizona, and New Mexico. Surplus Lines products are available in Arizona, California, Idaho, Nevada, Oregon and Washington. Consult your local CIG Insurance Advisor for the types of coverage available in your state.

CIG HISTORY It all started in California. Near the turn of the century, farming and ranching had a rich and deeply rooted history in the area and was the most important economic activity in the region. In 1898, Ventura County Mutual Fire Insurance Company was formed by a group of prosperous California farmers. They needed a way to provide coverage that would protect them from disastrous claims – especially fire.

From these humble beginnings, the company grew, merged, and evolved through the years into Capital Insurance Group® (CIG), the leading regional property and casualty insurer serving the Western United States.

2001 California Insurance Group is named to the prestigious Ward’s 50 list for the first time. Every year since 1991, the Ward Group has conducted an analysis and evaluated more than 3,000 property-casualty insurance companies to identify the 50 top performers. Each Ward’s 50 company has passed all safety and consistency screens and achieved superior performance over the five years analyzed. Nevada Capital Insurance Company incorporates on June 13, 2001, in the state of Nevada to write property/casualty business, commencing January 1, 2002.

2002 California Insurance Group makes the Ward’s 50 list again and breaks in at #181 on the A.M. Best Top 200 Property/Casualty Writers’ List as a leading U.S. property/casualty writer. The company expands into Oregon with Commercial products and starts writing Commercial CMP in Arizona. Gas is $1.61 per gallon and the average cost of a new home skyrockets to more than $228,000.

2003 With the company’s expansion to other states, California Insurance Group is renamed Capital Insurance Group (CIG). The company is honored by Ward’s 50 again and advances to #168 on the A.M. Best list. U.S. interest rates are at a 45-year record low of 1 percent and Apple launches iTunes.

2004 Capital Insurance Group makes the Ward’s 50 list for the fourth year in a row and moves up another notch on the A.M. Best list to #167. The average sticker price on a new car is more than $30,000, a movie ticket sets you back $8, and popcorn to eat while you watch costs an extra $3.

2005 Capital Insurance Group moves to #171 on the A.M. Best list. The company continues expansion in Oregon to include Commercial Farm coverage. A 10th planet is discovered in the solar system, Microsoft releases the Xbox 360, and Steve Fosset breaks a world record by completing the first non-stop, non-refueled, solo flight around the world in the Virgin Atlantic Global Flyer.

2006 A.M. Best ranks Capital Insurance Group #168 on its annual list of Top 200 Property/Casualty Writers. The company continues expansion in Oregon with Personal Lines for Homeowners and Commercial CMP, BMP, and Commercial Auto in Arizona.

Arizona, Washington, and Oregon approve Nevada Capital Insurance Company as a non-admitted Surplus Lines carrier. A Super bowl ad costs $2.5 million, American Idol is captivating TV viewers, and Google purchases YouTube for $1.5 billion.

2007 Capital Insurance Group jumps up an impressive nine spots to rank #157 on the A.M. Best annual list. The company continues expansion in Oregon with Personal Auto and Umbrella. It also receives a Certificate of Authority for Eagle West Insurance Company for the states of Washington, Idaho, and Utah and for Monterey Insurance Company for the states of Washington and Idaho. The average price of a new house is $313,600, gas costs $3.38 a gallon, and Apple introduces the iPhone.

2008 Capital Insurance Group is honored for the seventh year in a row by A.M. Best and holds steady with its rank of #157 on the list. The company expands into Washington with CMP and BOP products and non-admitted products through Nevada Capital Insurance.Nevada Capital Insurance Company is approved as an Accredited Reinsurer in California. Meanwhile, “Batmania” sweeps the country as moviegoers flock to theaters to see The Dark Knight.

2009 Capital Insurance Group is chosen for the fifth time in nine years as one of the Ward’s 50 top performing property-casualty insurance companies in the country and ranks #155 on A.M. Best’s Top 200 Property/Casualty Writers list. The company continues expansion in Oregon with Dwelling Fire coverage. The company withdraws its Certificate of Authority for Monterey Insurance Company in Nevada and receives approval from Nevada for Monterey Insurance Company to accept Surplus Lines business in Nevada. Technological advances in the world include the smart thermostat, handheld ultrasound, and the Mercury Probe.

2010 Capital Insurance Group is named to the Ward’s 50 list again and jumps another 10 spaces to land at #145 on the A.M. Best list. The company expands with Personal Lines in Washington and Agricultural coverage in Arizona. It also receives a Certificate of Authority for Monterey Insurance Company and Eagle West Insurance Company for New Mexico. Non-admitted products in Oregon, Washington, and Arizona are written through Nevada Capital Insurance Company. Non-admitted products in Nevada are written through Monterey Insurance Company. Apple announces the iPad, Avatar becomes the highest grossing film of all time, and As The World Turns airs its final episode after 54 years.

2011 Capital Insurance Group makes it onto A.M. Best’s Top 200 list for the 11th straight year, now ranking #143, and is honored again with a place on the Ward’s 50 list. The company expands in Washington with Personal Lines and into New Mexico with CMP and Commercial Auto. It also expands non-admitted products to California through Nevada Capital Insurance Company. Non-admitted products are also written in Oregon, Washington, and Arizona through Nevada Capital Insurance Company. Non-admitted products are written in Nevada through Monterey Insurance Company. The average cost of gas on the West Coast is $3.74 per gallon, The Oprah Winfrey Show ends after a 25-year run, and the world population hits 7 billion.

2012 Capital Insurance Group is selected for the Ward’s 50 list for the eighth time. The company expands in New Mexico with CMP and Commercial Auto coverage and in Idaho with non-admitted products. Researchers successfully perform the first implantation of a bionic eye,Encyclopedia Britannica stops the presses after 244 years, and over 100 million iPhones have been sold worldwide since 2007

2013 Capital Insurance Group celebrates the company’s 115th anniversary on April 3, marking a tradition of commitment to clients and agents since 1898. CIG again receives an “A” rating (Excellent) and moves up in ranking to 137th in the prestigious A.M. Best

Top 200 Property/Casualty Writers. The free Community Safety Saturday™ events expand to include four California and Nevada cities, providing families with safety awareness and prevention demonstrations, activities and resources. The company launches the CIG Mobile App, enabling personal auto policy clients to access the benefits of their CIG coverage from Virtually Everywhere. The Employment Practices Liability Insurance (EPLI) website debuts, providing loss prevention resources and an advice line for CIG Commercial policy clients with EPLI coverage.

INSURANCE PRODUCTS OFFERED BY CIG:PERSONAL AUTO INSURANCE

HOMEOWNERS INSURANCE

BUILDING OWNERS INSURANCE

COMMERCIAL BUSINESS INSURANCE

AGRICULTURAL INSURANCE

Personal Auto Insurance

Do You Know What Your Auto Insurance Covers?

Basic insurance covers your vehicle for damage or loss, but the right amount of coverage also provides protection from financial exposure due to injuries sustained in an accident — to yourself, your passengers, other drivers, or pedestrians — as well as damage to other people’s property. A CIG Insurance Advisor can steer you in the right direction, toward coverage that fits your needs and budget.

CIG Auto Insurance provides excellent coverage and superior service, such as Come-To-You Auto Glass Repair, brand name replacement parts for repairs, bonus safety and security services like The Protector Network, and more.

Roadside Service

Whether you’re a CIG Commercial Auto or CIG Personal Auto policy holder, you have the opportunity to add roadside service to complement your coverage. For a small fee, we offer Commercial Roadside Assistance for Commercial Auto policy holders and Auto CARD 100 for Personal Auto policy holders. Both are a great value for the services provided! Commercial Auto policy holders can also take advantage of roadside service

discounts with Commercial Express Assistance – as part of your policy – at no additional cost.

You may also qualify for specific cost-saving discounts or coverage options, including:

Coverage on two or more vehicles Installed safety devices, such as airbags Installed vehicle theft prevention devices, such as alarms, disabling devices,

and theft recovery

Homeowners Insurance

You’re one of a Kind and So Is Your Home

That’s Why You Need an Insurance Protection PlanDesigned to Fit Your Lifestyle

Protecting your home, personal property, and personal liability is the first step to insuring your way of life. CIG Home is the home safety and security insurance plan designed to protect your lifestyle.

We are here to protect you and your family and make sure you can rebuild your life after a loss – rebuild/repair your home, replace your valuables, or provide a defense if you are sued.

A CIG Insurance Advisor can take the mystery out of buying homeowners insurance. We offer customized coverage that protects your investment in your home and personal property and provides for personal liability in case someone is injured in your home or your property is damaged at home or while away. CIG also offers extended coverage to

provide you with additional financial protection for other types of loss, damage, and liability.

Home Appliance and Electronics Breakdown Coverage

Home Appliance and Electronics Breakdown Coverage* gives you the extended coverage option to insure your appliances, such as your refrigerator, air conditioner, water heater, and more in the event one or more of these breaks down. You’ll be covered for mechanical or electronic breakdown and be protected from costly out-of-pocket expenses for labor, parts, and loss of use. All this for less than $3 a month when you add the Home Appliance and Electronics Breakdown coverage to your CIG Home policy!

Condo Insurance

You may not be fully protected and may be responsible for insuring the interior walls, flooring, cabinets, and more, as well as your belongings and personal liability. Not sure if there are gaps in your coverage? A CIG Insurance Advisor can review your condominium association’s master policy and customize a policy to fit your needs.

Coverage highlights

Personal Property Replacement Cost protection in the event your property is damaged or destroyed

Loss assessment for damage to the property owned by all condo unit owners, such as a recreational center

Additional Living Expense coverage in the event your condominium is damaged and not habitable for a time

Key and Lock Replacement after a covered loss Spoilage of Refrigerated Products after a covered loss Worldwide Personal Liability coverage Medical coverage for injured guests, regardless of fault Identity Fraud Expense Reimbursement and Unlimited Fraud Prevention and

Resolution Assistance

Dwelling Fire Insurance

If you own a home you rent out, consider a CIG Dwelling Fire policy to protect your investment. Would you be protected if your tenants accidentally started a devastating kitchen fire? What if a windstorm knocked a big tree onto the roof? Talk with a CIG Insurance Advisor to see what a Dwelling Fire Insurance policy covers and how you can be protected when disaster strikes.

Landlord Property Protection Coverage Highlights

Dwelling Protection customized to meet the estimated rebuilding cost of your rental property

Think Twice Coverage for Extended Replacement Cost protection in the event of a total loss to your dwelling that exceeds the limit of coverage

Landlord Property Coverage, including furniture, appliances, and other items in the dwelling

Loss of Rental Income in the event your rental dwelling is damaged by a covered loss and not habitable

Ordinance or Law protection to cover the increased costs of construction required after a covered loss because of changes in local, state, or federal building codes

Renters Insurance

Did you know your landlord’s insurance usually only covers the building you live in and common areas? As a renter, you need to protect your belongings and yourself in case someone is injured while visiting or there is a lawsuit. A CIG Renters policy provides property and liability coverage for you and your family. You can also expand your coverage to protect your home office, sports equipment, jewelry, art, antiques, and other valuables.

A CIG Insurance Advisor can review your policy and help make sure you have the right coverage for your unique lifestyle.

CIG provides customized protection based on what’s important to you and what you own. Our Renters coverage will replace your valuables, provide a defense if you are sued, and pay for medical and property damage of others after an accident if you are legally liable.CIG Rent provides:

Broad coverage for personal property Additional expenses you incur when your home is uninhabitable

after a covered lossIG Rent insures: Personal liability, worldwide Medical coverage for injured guests, regardless of fault Furniture and owned appliances Home electronics and audio equipment Computer equipment Jewelry, furs, and fine art Expenses related to identity fraud Bicycles, golf clubs, and other sports equipment Golf carts Firearms Small boatsCIG Rent covers financial loss or damages from: Fire Theft or unauthorized use of credit/debit cards Wildfire Storms and high winds Smoke damage (after a covered loss) Explosion Ice, snow, freezing conditions Water (excluding flood waters) Identity fraud Personal Injury (such as libel or slander)

BUILDING OWNER INSURANCE

Owning and running a building is an enormous undertaking and responsibility. Theft, disaster, lawsuits, breakage, and business interruption can be extremely disruptive to your business and to those who utilize your building. That’s why it’s important that your insurance partner has the expertise to recommend the best coverage options for your property.

CIG provides building owners with customized insurance plans and packages specifically tailored to fit your business needs. As the leading property and casualty insurer serving the Western United States, CIG insures commercial property, apartments, offices, buildings or offices leased to others, HOAs, warehouses, storage facilities, distribution centers, covered parking structures, schools, and institutional buildings.

Apartment Building Insurance

CIG is a leader in apartment insurance. We understand that protecting your multi-unit residential housing investment is different than insuring other kinds of properties. Tenants rely on you during a crisis. Your ability to quickly fix, recover, and sustain the viability of your residential property is essential.

CIG’s Business Owners Policy (BOP) for apartment buildings is designed to cover property and liability exposures that are uniquely associated with multi-unit residential buildings. We protect you from financial loss, damage, liability, and business interruption that can result from unforeseen situations including theft, disaster, lawsuit, and breakage.

Have you made any changes to your apartment building since your last insurance review? Did you add a pool or spa? More parking spaces? Perhaps you upgraded appliances? Installed carbon monoxide detectors? A new sprinkler or fire alarm system?

CIG offers up to a 24-month Period of Indemnity for Business Interruption, and our Equipment Breakdown protection covers electrical and air conditioning. For your Building Ordinance coverage, we automatically provide $100,000 per building and allow you the option to purchase coverage up to the building’s limit.

Does your current coverage take into account all risk contingencies? Call a professional CIG Insurance Advisor to discuss a customized apartment building insurance plan and other cost-saving coverage options. Be sure to ask about the 5% premium reduction Renewal Credit, the Smoke-Free Building Credit, and all the credits that may apply to your BOP.

Leased Building Insurance

The success of your properties depends on how well you maintain and manage your leased buildings, as well as on having the right insurance coverage to minimize the impact on tenants and protect your investment from losses should the unexpected occur.

Protect your leased properties against loss, damage, liability, or business interruption with CIG, so you’re prepared when unforeseen events such as theft, fire, breakage, and lawsuits take place.

When it comes to risk, liability, and exposure, no two properties are alike. That’s why it’s best to talk with a CIG Insurance Advisor who can help you create an individualized safety and security plan that provides the exact coverage you need.

HOA Insurance

Managing a homeowners association (HOA) is never easy. One thing most HOA boards agree on is having good insurance protection for their property and liability risks. The governance of your residential complex is similar to running a small town – you’re responsible for the safety and security of common-use areas, as well as for managing the budget and maintenance.

CIG will work with your HOA board to customize a policy that fits your community’s needs. Our speedy On-the-Spot™ Response and FastTrack Processing™ of claims can make a big difference in rectifying damage or loss before residents become frustrated or upset. Our risk management assistance can also help owner-residents participate in safety and security planning and prevention.

CIG Homeowners Association (HOA) Business Owners Policy (BOP) covers:

Housing complexes and associations

Residential complexes

Multi-building managed housing developments (PUDs) and associations

Types of Coverage:

Building – covers structure and property including fixtures, flooring, and cabinets, as well as any auxiliary structures a Residential Community Association would have, such as signs, fencing, garage(s), pool, and/or clubhouse

Comprehensive General Liability – protects against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others

Building Ordinance and Law – covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss

Warehouse Insurance

Warehouse insurance coverage is based on your particular structure, the goods you store inside, and how those materials are handled. For example, if you are storing and handling inventory for others, you may need bailee’s coverage to protect against damage to those products.

Talk with a CIG Insurance Advisor and get a free policy evaluation and recommendation to make sure that your business is adequately covered for risks specific to your operation.

Types of businesses covered:

Warehouses Shipping structures Self-storage facilities Mailing and fulfillment centers Inventory and distribution centers Covered parking facilities

Commercial Business Insurance

CIG offers commercial insurance for a wide range of businesses, whether you’re a restaurant, hotel, flower shop, accounting firm, golf course, or manufactured home community. We have insurance specialists who understand the nuances of what makes your business tick and what you need to protect it.

Knowing you’re covered for unexpected events and losses that can put you out of business can give you the confidence to take on the challenges of daily business with greater ease. Ask a CIG Insurance Advisor for a policy evaluation to make sure you have the right coverage for your commercial enterprise.

CIG Retail Business Insurance

Running a retail business has its own unique challenges. Protecting your business involves not just your place of business but all the people who come into your store. For retailers, liability coverage can be as critical as your property protection. To be prepared for the unexpected, you need a sound safety and security plan.

CIG Retail Business Insurance should be an essential part of your safety and security plan. Ask your local CIG Insurance Advisor what the best options are for your retail business.

Hospitality Insurance

When you’re in the hospitality business, you go to great lengths to cater to your guests so they have a positive experience and want to return. As frenetic and unpredictable as your job may be under normal circumstances, when a sudden interruption occurs, it can throw everything into a tailspin. Keeping your doors open is critical to your survival.

CIG recommends that you have a strategically sound safety and security plan so you’re prepared for the unexpected. We offer unmatched protection for business continuity, including outstanding fire, liability, and equipment breakdown coverage. Contact a CIG Insurance Advisor for a hospitality insurance policy evaluation to make sure you have the protection your business needs.

Types of businesses covered:

Hospitality Businesses (Hotels and Motels) Bed & Breakfast Inns

 Office Insurance

Running a commercial office is a big responsibility. In addition to satisfying your clients every day, you also have to worry about insuring your business for theft, disaster, lawsuits, breakage, and business interruptions. Any one of these events could shut you down for a day, week, month, or more. That’s why it’s important that your insurance partner have the expertise to recommend the best coverage options for your professional office.

Call your local CIG Insurance Advisor to design a Commercial Office Insurance plan to protect your business against loss, damage, liability, or business interruption.

Types of professional offices covered:

Doctors Veterinarians Health Care Services Accountants Financial and Insurance Services Attorneys and Legal Services Real Estate Services Sales and Other Professional Offices

Restaurant Insurance

When you own a restaurant or food service business, keeping the focus on your customers is very important. CIG Restaurant and Food Services Insurance will make sure you are covered in the event something unforeseen occurs so that you and your staff are prepared and protected. CIG insures your restaurant business against loss, damage, liability, or business interruption.

CIG Restaurant Insurance is the foundation of any safety and security plan, which is essential to staying in business long term and maintaining good relationships with your customers.

Types of businesses covered:

Restaurants Bakeries Delicatessens Food Services Catering Services

Employment Practices Liability Insurance

EPLI Offers Coverage for Liability and Defense Costs

Business owners, like you, know today’s workplace can generate unwelcome surprises. Surveys indicate that, despite how carefully people manage their businesses, more than 66% expect they will face an employee, vendor or customer lawsuit at some point. Defending against these claims can be a tough, costly and lengthy process.

You can add EPLI coverage as an enhancement to your CIG Commercial Insurance package or BOP policy to protect yourself and your business from costs associated with lawsuits resulting from wrongful employment acts whether valid or not. You’ll also have online access to forms and procedures, web-based training, a best-practices checklist, a customizable handbook, access to a toll-free advice line, and much more. These are the tools and information you need to avoid situations that can lead to an employment claim.

If you already have EPLI coverage with CIG through our Risk Mitigation platform, The Protector Network, and unlock all the benefits of your coverage now.

What EPLI covers:

Sexual Harassment Wrongful Termination Retaliation Discrimination Negligent Evaluation Practices Wrongful Failure to Employ or Promote (EOE) Wrongful Disciplinary Actions

Deprivation of Potential Career Opportunities Wrongful Infliction of Emotional Distress or Stress

Commercial Auto Insurance

CIG Has Commercial Vehicle Insurancefor All the Ways You Roll

Protect Your Business on the Road and at the Office

Does your business own or lease its vehicles, or do you have a job or profession that requires the regular use of your vehicle for making sales calls or carrying equipment to make service calls?A CIG Insurance Advisor can custom design an affordable commercial vehicle policy according to your type of business and the safety record of covered drivers. You’ll work with a top, local professional who will analyze and guide your safety and security plan, helping you make the right decisions — for the best overall value available from any insurer.

We will help you get the right type of coverage and the right amount of insurance, at a great rate. Connect with a CIG Insurance Advisor for a comprehensive Commercial Auto Insurance policy.

Types of auto and property care businesses covered:

Automotive Services Beverage and Product Delivery Janitorial Cleaning and Maid Services Landscape Maintenance Musical Instrument Maintenance and Repair Parking Lot Sweepers Swimming Pool Servicing Window Cleaning Services

Garage plus Program

If you run a general auto repair or servicing business that caters to private passenger vehicles and light pickup trucks, overhaul your insurance coverage with the CIG Garage plus Program.

A professional CIG Insurance Advisor will work with you to customize an affordable policy that provides the right type and amount of coverage for your business. If you have questions or would like a policy review, just ask. Your local Insurance Advisor can walk you through the coverage options and make sure you get the protection you need.

Eligible Businesses

Operations must be primarily for general automobile services for private passenger and light pickup trucks up to 20,000 pounds with individual vehicle values under $100,000, of the following types:

Lube and Oil Glass with Incidental Window Tinting Mufflers and Exhausts Smog Control General Auto Repair Mobile Auto Detailing Mobile Windshield Repair/Replacement Employee Tools on Site Exterior Signs

Golf Course Insurance

CIG knows that running a golf course is a lot more complicated than just keeping the fairways green. CIG Golf Insurance Solution™ offers golf club owners and managers a custom-designed risk and liability golf course program.

Our expert Insurance Advisors can create a plan that protects your unique exposures. This includes coverage for property damage or loss that could potentially shut down your course, as well as coverage to restore your clubhouse, fitness center, and tennis courts to working condition again.

Coverage highlights:

Clubhouse and Other Structures Mowers and Maintenance Equipment Sprinkler and Drainage Systems Tractors Golf Carts Retail Merchandise Registers and Computer Equipment Fires, Floods, and Other Disasters

Commercial Excess Liability

In business as in life, no one wants to think about what might happen if suddenly you’re dealing with an event that puts your business on hold. If you’re without the right kind of protection, your life savings and hard work could be devastated. As carefully as you run your business, it’s impossible to anticipate every possible risk, which is why you need to plan for a worst-case scenario and have the right coverage in place.

A CIG Excess Liability Insurance policy can provide you with the excess liability protection you need to save yourself from financial catastrophe. In today’s litigious environment, few successful businesses can afford to be without this safety net. You may face a host of liability exposures brought on by your business relationships with third parties, contracts, issues relating to your products or facilities, vehicular liabilities, and lawsuits by employees, customers, or competitors. With a CIG Excess Liability policy, you will be covered for physical and economic loss and the cost of legal penalties should a case go against you.

Talk with a CIG Insurance Advisor about Excess Liability Insurance coverage and build a Risk Management Security Plan that will keep your business safe.

AGRICULTURAL INSURANCE

When you’re in an agriculturally based business, you spend most of your time managing your property. There’s no time to dwell on the “what-ifs.” Farmers are by nature self-sufficient and independent, but there are some things you can’t do alone. A CIG Insurance Advisor can assist you in creating an AgBusiness Insurance plan for managing your risks. You’ll be glad you have a solid insurance and safety plan in place. CIG specializes in property, automobile, and liability coverage for Agricultural Business operations, including:

Row and Field Crops Vineyards and Wineries Wholesale Nurseries Organic Farming Hobby Farms Livestock Orchards Pastures

Optional coverages include: Vehicles and Equipment Personal and Excess Liability Environmental Protection

Vineyards and Wineries

CIG knows the creation of wine is a fine art and a complex science. We also understand that to be competitive in today’s wine market, you need to manage a fragile set of conditions to get the best results. That’s why it’s important to have a customizable protection plan, whether you’re a vineyard or winery owner.Planning for the safety and security of your vineyard or winery operation starts with the right property or liability insurance. Though you can’t completely eliminate the risk of accidents, theft, disasters, and other potential losses, you can protect yourself so you can rebound quickly if something does happen.

Protecting your property and operation requires an insurance advisor capable of understanding your challenges, risks, and investments. CIG Insurance Advisors are independent agents with more on their mind than just selling you a policy. They have the knowledge to analyze your particular exposure and tailor a plan to your needs. They

recommend CIG Vineyard and Winery Insurance Solutions because they share your total commitment to continuing safety, security, and the resilience of your business.

Vineyard and Winery coverage includes:

Winery Property Winery Tasting Room Brand and Labels Transit Coverage Shipping Recovery F.O.B. Computer Equipment and Data Recovery Water Damage due to Backup or Overflow Outdoor Furniture/Fixtures Trees and Shrubs

 CIG Vineyard Coverage

Wine grape grower coverage includes: Newly Acquired Equipment with Coverage E Chemical Drift Damage Pollution Clean-upGrowers, Packers, Shippers Insurance

If you run a family farm or a community enterprise, the produce you grow on your acreage — vegetables, fruit, or grains — is your livelihood. You know what it takes to bring in a good harvest. What you can’t control is the unexpected. What happens to your farm and your crop if there is a storm, or if someone is injured on your property and you are liable? That’s when having a CIG Insurance Advisor can make a big difference. With a solid safety and insurance plan, you can rest assured that your farm and your family are protected from property and liability risks.

Type of grower businesses covered:

Orchards Nurseries Organic Farms Row and Field Crops

Vineyards

A CIG Insurance Advisor can assist you in creating an AgBusiness Plan for managing your risks. Ask for a customized insurance policy to cover your particular exposures.

Options include:

Farm Property Vehicles and Equipment Liability and Excess Liability Product Losses in Transit

Olive Growers Business Insurance

The olive oil industry is booming and demand has doubled in the past decade. California now produces in excess of 400,000 gallons of olive oil annually and experts forecast this volume will increase by 500 percent in the next five years. Knowing how to best protect your groves and olive oil processing operations requires an insurance advisor who understands your challenges, risks, and investments.

CIG Insurance Advisors are independent agents who have the knowledge and expertise to tailor a property and liability insurance plan to suit your specific needs and exposures. They’re fully committed to the safety, security and resilience of your business.

Livestock and Dairy Insurance

Running a farm or dairy is a big responsibility, especially when you have lots of mouths to feed. Every day you are dealing with a million details: the business aspects as well as the care and feeding of your animals. Typically, farms and dairies are run on very thin margins. So, it’s important to work with an insurance advisor to create a cost-effective safety and security plan.

Call your CIG Insurance Advisor to discuss your property and liability coverage requirements.

Additional coverages available:

Livestock in Transit or Pastures Enclosures, Ranch, and Other Property Structures Dairies and Dairy Production Equipment Transport Vehicles

Farm Vehicle Insurance

Farm vehicles are the lifeblood for most growers and ranches. When a truck or tractor breaks down, work can come to a grinding halt. CIG offers solid coverage for your mobile investments, plus multi-vehicle discounts and optional deductibles from $100 to $5,000.

Three ways you can save on farm vehicle insurance:

1. Have a record of no at-fault claims in the most recent three-year period (for those eligible)

2. Have a commercial risk management program

3. Keep good records of farm equipment maintenance

Hobby Farm Program

If you’re like most hobby farmers, you’re passionate about country life and find great pleasure in rural pursuits. Whether raising a few cows or growing a few acres of organic produce for a little extra income, you need Home Farm insurance. A professional CIG Insurance Advisor can answer all your questions and get you customized coverage that fits your way of life.

Customized Protection for You and Your Home

Farm liability protection Farm buildings and structures Farm equipment, such as tools and supplies Animal collision coverage

The Hobby Farm program provides coverage for clients with a small farming operation:

10 acres or less Income of $10,000 or less Farm operations for growing certain crops like berries, nuts, row, and hay Raising certain livestock like cattle, sheep, goats, horses, and rabbits