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Mercantile & Services

Mercantile and Services Portfolio

% of Total Premium

Lessors Risk

Retail

Professional Offices

Auto Services

All Other Segments

Service

Restaurants

Golf

Hotels

4.0%

24.3%

14.3%

7.7%

12.0%

6.3%

15.4%

9.4%

6.5%

Generalist Appetite

You write Mercantile accounts at

your Agency!

Broad Appetite & Expertise

Small/MM/Large

BOP/Large Deductibles/SIR’s

MERCANTILE

EXPRESS LANE

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Coverages

Property:

Building definition includes foundations and underground pipes

Outdoor Property – $100,000

Building Ordinance and Law – $50K and $100K

General Liability:

Per Location Aggregate

Additional Insured – required by written contract

Umbrella: Up to $25M

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Off Premises Power Failure

Spoilage, Refrigerated Vaccines

Medical Equipment

Data Compromise

Patient’s Personally Identifiable Information

Money & Securities / Employee Theft

Doctor and Dentist Offices

Customer-facing brochures newly available

for co-branding for Medical Offices

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Case-by-caseTarget

Avoid

Our Hotel Appetite & Results

5 yr. avg. premium growth = 18%

2017: 20% Premium Growth

May now entertain $25,000+ superior WC

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Specialized Coverage Offerings:

Golf & Tennis Pro Professional Liability

Club Services E&O

Liquor Liability

Abuse or Molestation

IM – Tees, Greens & Cut Fairways / Golf

Maintenance Equipment

DIC Flood & EQ

Management Liability Insurance

Crisis Response

Targeting:

Fully Sprinklered Club Houses

NFPA Life Safety Codes – including

Emergency Lighting

CS Fire Alarms, Hard Wired Smoke

Detectors and Burglar Alarms

Golf & Country Club

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Primary Coverage for Customer’s Auto

while Test Driving the Vehicle

Targeting Auto Body Shops and Auto

Repair Shops

Muffler/Transmission/Specialty (upholstery,

stereo, alarm)

Garage keepers

Dealer Plates (up to 5 sets)

Loaner Cars – with proper Contractual

Risk Transfer (No Rental)

Auto Services

Ineligible:

Tire Recapping or Retreading Operations

Dismantling or Salvage Operations

Snow Plowing for Hire Operation

Tow Truck Operations / Roadside Assistance8

Largest Segment and Growing

$124M Year-end 2017

BOP – Office Eligibility:

Up to 200,000 square feet (up to 40,000

mercantile occupancy)

Up to 6 stories

Age of Building <40 Years Old

One & Done®

Ease of Doing Business!

MM and Large

Tailor Coverages to account’s needs

Lessors Risk Only

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Contractual Risk Transfer Services

Available on eSelect®

Guidance on Leases

Limits and verbiage

Off the Shelf Risk Transfer Agreements for

Snow removal

Contractors

Janitorial services

Safety Management Services

Infrared testing

Safety checklist

On demand video library

Lessors Risk Only

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Dedicated Small Business Team

Your Partners to Success

Mercantile & Services

CLAS® – One & Done®

Much more than BOP

Value-Added Services

Safety training video library

Mobile app for phone/tablet

Access to services & claims

Digital policy delivery

Small Business / BOP

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OB/GYN – Large Group of Doctors’ Offices WC $92,000

BOP $74,000

Why we won:

65 Locations written on a BOP

Our competitors were unable to write

that many locations on their BOPs

Selective had more robust coverages

Boutique Hotel & Spa GL/COP/IM/UM $86,000

Why we won:

COP – Flexible Property Limits

IM – Covering on-going Renovations

Abuse or Molestation and Miscellaneous

Professional Coverage for the Spa

Operations

UM – $10M Limit – Including AorM

Driving Success through M&S

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