Private Investigation and Security Operations Program

1. Private Investigation and Security Operations Program

2. Investigation and Security Operations Eligible Risks Detective Agencies Private Investigators Security Firms Servers of Process

3. Potentially Eligible Investigation and Security Operations Classes: Arson Investigations Skip Tracers Armed Guards Collection Agency Work Drug Searches Repossession Work Polygraph Testing Electronic Sweeps Detective/Security Instruction

4. Ineligible Investigation and Security Operations classes: Fast Food Restaurant Security Restaurant and/or Tavern Bouncers Labor Dispute Intermediaries Strike Breakers Security Guards – Traffic Control (traffic or pedestrian) Airport Security Bodyguards Government Buildings Contracts with municipalities Shoplifting surveillance and detention School Security Hospital Security

5. Requirements: Applicant must be in full compliance with all applicable county, state and federal regulations & statutes Coverage will not be offered without a history of license suspension, revocation, or renewal denial, unless there are mitigating circumstances Professional coverage will not be offered unless NSI also writes the GL coverage

6. Liability Coverage Professional liability Premises, operation, products, and completed operations $100,000 Fire legal liability (higher limits available) $5,000 medical expenses Personal and advertising liability Newly acquired organization – 90 days

7. Optional Liability Coverages Optional Firearm Coverage Property entrustment $100,000 or $250,000 with $1,000 deductible Employee benefits liability claims-made coverage Employment Practices Liability $100,000 Roll-on $250,000 Roll-on (for qualifying risks) Higher limits available Umbrella – limits up to $10,000,000

8. Available Limits Occurrence / Aggregate $1,000,000 / $3,000,000 $1,000,000 / $2,000,000 $500,000 / $1,000,000 $300,000 / $600,000

9. Property Coverage Building – Replacement cost or actual cash value Includes 4% inflation guard on buildings Includes equipment breakdown Contents – Replacement or actual cash value Includes equipment breakdown Business income with extra expense

10. Optional Property Coverages Mine subsidence (specific counties in IL, IN & KY) Earthquake Utility Service – direct damage Utility Service – time element

11. Other Optional Coverages Crime – employee dishonesty Inland Marine - equipment Bonds License and permit bonds Business service bonds ERISA bonds

12. Auto Coverage Vehicles used in business operations Liability Physical damage Hired/non-owned Submit ACORD Application with Loss History.

13. Workers’ Compensation Coverage Not available for this program.

14. Underwriting Information NSI’s Detective and Security Questionnaire and an ACORD Application OR NSI’s Detective and Security Application Both the questionnaire and the application are available on WBConnect under NSI Programs, Detective & Security

15. NSI’s Private Investigation and Security Operations Program Email questionnaire and application to nsiuw@wbmi.com For more information, please contact your NSI underwriters at 1-800-760-9250.