Convenient Right Pay “pay-as-you-go” billing for Workers Compensation

Highlights include: • Nolargedownpayment

• Premiumeachpayperiodisbasedonactualpayroll

—noestimates

• Improvedcash-flowforyourbusiness—nowaiting

forfuturepremiumadjustments

• Payrollisreporteddirectlybyyouoryourcertified

payrollcompanyforeachpayrollperiod

• Minimizesauditsurprises

• Simplifiedbilling,plus24/7onlineaccessto

premiumcalculationsandpayrollhistory

Risk Management—Uticapolicyholdersgetthesecomplimentaryservices:

• StreamingvideowithtopicslikeLoadingDock

andWarehouseSafety,precautionsforroad

ConstructionZones,DriverandCargoSecurity

andmanymore.

• Onlinecoursesonforkliftsafety,backsafety,

tractortrailerbackingplustopicslikefall

preventionandpreventingsexualharassment

thatcanhelpwithcompliance.

• Ifyouhave20ormorevehicles,yougetcomments

andcomplimentsphonedintoatollfreenumber

onhowyourvehiclesarebeingdriven.

• Accesstopolicyholderonlyriskmanagementsite withtopicspertinenttoyouroperation

One-Stop Bonds—OurBondDepartmentsavesyoutimebyofferingawidevarietyofSuretyBonds.andERISApoliciesrequiredbystateandfederalgovernment.

Claims Services—Utica’sconvenientclaimsofficesarestaffedwithexpertswhoknowyourneedsandareoncall24hoursaday,sevendaysaweektoserveyoupromptlyandefficiently.AskaboutUtica’sUti-CAREprogramthatprovidessignificantsavingstoworkerscompensationpolicyholdersbyprovidingtimely,qualitymedicalcarethatcanputemployeesbackonthejobmorequickly.

*Coverage and availability vary by state.

For more information, contact your local independent agent who represents the Utica National companies.

This document provides a summary or description of insurance products and/or services offered by the companies of the Utica National Insurance Group. This summary or description does not provide any coverage and does not amend, modify or supplement any insurance policy. Consult the actual policy or your independent insurance agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available. Policy availability may vary by state.

9-A-1617 Ed. 8-13

H o w

D o e s

Y o u r

I n s u r a n c e

S t a c k

U p ?

Utica National Insurance Group&Wholesalers Distributors

P R O G R A M Utica National Insurance Group Insurance that starts with you.®

Utica Mutual Insurance Company and its affiliated companies, New Hartford, NY 13413www.uticanational.com

UticaNationalalsobringsyou...

OtherOptionalCoveragesAvailable

Wholesalers Limited Product Recall Coverage — reimbursescertainextraexpenseslikenotification,overtime,shipping,etc.incurredduetoaproductwithdrawalorrecallduetoproductdefectortampering.

Deferred Payments Coverage—Coversyourinterestinpersonalpropertysoldunderanyinstallmentordeferredpaymentplanafterdeliverytothebuyersifacoveredlossoccursbeforefullpaymentismade.

General Liability Extension Endorsement—Withcoverageslikeautomaticadditionalinsureds.

Commercial Auto Extension Endorsement—ExtendsyourBusinessAutoPolicybyincludingadditionalcoverageitemsnotwritteninyourbasicAutoPolicy.OneofthemorepopularfeaturesisAutomaticHiredAutoPhysicalDamagecoverage.

Auto Business Income Coverage—Coverstheactuallossofbusinessincomeandextraexpenseyousustainduetothedestructionordisablementofacoveredauto.

Liquor Liability —availableforbeerandwinedistributers.

Employment Practices Coverage—Insuresagainstawiderangeofexposuresincludingwrongfultermination,wrongfulrefusaltoemploy,sexualharassment,discrimination,failuretopromote,andmuchmore.

Employee Benefits Program Liability—Insuresagainstnegligentacts,errors,oromissionscommittedbyyouoranypersonforwhoseactsyouarelegallyresponsiblefor whileengagingintheadministrationofyouremployee benefitplans.

Uticarecognizesthatnotwowholesalersordistributorsarealike.WithourWholesalers&Distributorsprogramyoucanchoosethehigherlimitsand/orroadercoverageyoumayneedforvariousProperty,CrimeandInlandMarineexposures.

Obtaining

theproper

insurance

isone

ofthemost

important

thingsyour

company

candoto

protect

profits.

OurWholesalersandDistributors UNI-FlexEndorsementprovidesover 20packagedcoverageenhancements including:

Brands and Labels Coverage—Thiscoveragehelpsprotectthereputationandmarketingappealofproductsyouhandleafteracoveredloss.Itpaysthereasonablecoststostamp“salvage”onmerchandiseorremoveanybrandsorlabelsfromdamageditems.

Business Income from Dependent Properties—Paysforlostincomeresultingfromthenecessarysuspensionofyouroperationsduetodirectphysicallossordamagebyacoveredcauseoflosstothoseentitiesdesignatedasyourimportantsuppliers,buyers,ormanufacturers.

Consequential Loss—Thiscoveragepaysforthereductioninthevalueofremainingstockthatisrenderedunmarketableasacompleteproductbecauseanotherpartorpartsofthestockhavebeenlostordamagedbyacoveredcauseofloss.

Coverage for Seasonal Increase in Your Business Personal Property—Thiscoverageprovidesautomaticincreasesforseasonalvariationsinthevalueofyour businesspersonalproperty.

Utica National Insurance Group&Wholesalers Distributors

P R O G R A M

ThisspecialprogramforWholesalersandDistributorsoffersenhanced protectionforareasofparticular concerntoyou.

Does your current insurance meet your needs? UticaNational’sWholesalersand

DistributorsInsuranceProgramprovides

thebroadprotectionwholesalersand

distributorsneedtoday.Coverage

canbetailoredtoincludeWorkers

Compensation,BusinessAuto,

CommercialUmbrellaLiability,

GeneralLiability,

CommercialProperty,

InlandMarine,Crime,

andBonds.