THE HARTFORD
3600 WISEMAN BLVD .
SAN ANTONIO TX 78251
FEDERAL BAKERS , INC . 45201 GLOBAL PLAZA
STERLING VA 20166
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IMPORTANT NOTICE TO OUR POLICYHOLDERS
ENCLOSED IS YOUR SPECTRUM POLICY FROM THE HARTFORD. WE ARE PROVIDING YOU WITH A COMPLETE SET OF POLICY FORMS, NOTICES AND BROCHURES. IN THE INTEREST OF PAPER CONSERVATION AND TO REDUCE EXPENSES, AT RENEWAL OF THIS POLICY WE WILL BE PROVIDING YOU ONLY WITH THOSE DOCUMENTS WHICH HAVE CHANGED FROM THOSE NOW BEING PROVIDED. YOU SHOULD RETAIN ALL OF THESE DOCUMENTS INDEFINITELY SO THAT YOU WILL HAVE A COMPLETE SET OF POLICY FORMS AT ALL TIMES FOR YOUR REFERENCE.
IF YOU HAVE QUESTIONS, OR IF AT ANY TIME YOU NEED COPIES OF ANY OF THE FORMS LISTED ON YOUR POLICY, PLEASE CALL YOUR HARTFORD AGENT OR BROKER, OR THE OFFICE OF THE
HARTFORD IDENTIFIED ON YOUR POLICY, AS APPROPRIATE.
HARTFORD
HARTFORD
YOUR INSURANCE RENEWAL IS ENCLOSED. IT'S TIME TO REVIEW YOUR POLICY.
FEDERAL BAKERS, INC. Policy Number: 42 SBA ZM1123
CV Policy Effective Date: 01/01/11
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rn 45201 GLOBAL PLAZA Policy Expiration Date: 01/01/12
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CD STERLING VA 20166 Source Code: APR-COV-100 v2
1---"--tss coverage right for your current business operations?
C and The Hartford would like to thank you for your business.
VI placed in The Hartford and the opportunity to serve your business insurance rn
If the opportunity to complete your business insurance check-up with a H I, it is never too late to do so. It is important to keep your policy coverage up tc ly to respond to your business needs at the most cost efficient premium.
✓ rd insurance professional to complete your business insurance check-up today. T arge to you. This review is easy, convenient and only takes a few minutes. You
vv low your needs have changed:
Change in amount of property or equipment Change in employees or payroll
Change in billing or deductible preferences
During the review we may make coverage recommendations, provide peace of mind solutions, and possibly reduce your costs.
Here is all you need to do:
o Call toll free (800) 417-8006 , and enter extension 3031 any weekday from 8 A.M. to 6 P.M. EST and request your business insurance check-up.
o To best serve you, please have your Policy Number or Account Number and a Copy of your current Renewal Policy in hand when you call.
We encourage you to visit our website as it provides a detailed explanation of insurance coverages and risk management tools, specifically for small business owners like yourself.
www.sb.thehartford.com
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Once again, CLARKE & SAMPSON INC/PHS and The Hartford would like to thank you for your business. We look forward to speaking with you in the near future.
Direct Bill Information
You will soon receive your first bill from The Hartford. Please do not make any payment until you receive your bill.
Your insurance policy is in force as of the effective date shown on the policy. (If
you do not wish to continue your coverage with The Hartford, you must contact
your Hartford agent or broker immediately. In addition, you must either return
your policy to The Hartford or submit to The Hartford a signed "Lost Policy
Release" form, which you can obtain from your agent or broker.)
Here's how you will be billed:
o Your total premium is displayed on the front of your policy. You will be billed according to the payment plan under which you are enrolled.
o Please pay the exact amount of the "minimum due" shown on your bill or you may choose to pay your total premium in full. Please note that a nominal service fee is added to each billing installment. To save on service fees, you may prepay future installments if you wish. To avoid late payment fees, please pay the "minimum due" so that it is received by the due date shown on your bill. Service and late payment fees do not apply in all states.
o If you are on the installment billing plan and a credit or additional premium is due as the result of a change made to your policy, the credit or additional premium will be spread equally over the future billing installments.
o For your convenience, more than one policy may be combined on a single monthly bill. This means you can add eligible policies to your billing account at any time.
If you have any questions about your bill, please call The Hartford's Customer Service toll-free number 1-866-467-8730.
Options for Making a Payment:
o Repetitive EFT Want a fast and easy way to make your scheduled payments to The Hartford? Then sign up for Electronic Funds Transfer (EFT) and save*. By having your payments automatically deducted from your bank account, you don't have to write and mail a check or worry about your payment being received on time. To learn more about EFT and to sign up today for this time saving service:
o Call customer service, toll-free at 1-866-467-8730 o Press 2 for "Payment or Billing Account Information" o Say "I'm a Policyholder"
o Say "EFT"
o Pay by Phone Call toll-free at 1-866-467-8730 to make a one-time payment.
o Mail Check Send in a check with your remittance stub in the envelope enclosed with your bill.
*EFT savings not applicable in LA, MT, TX, VA, & WA
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Hartford Spectrum
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HARTFORD
tlARTFORD
PRODUCER COMPENSATION NOTICE
You can review and obtain information on The Hartford's producer compensation practices at
www.TheHartford.com or at 1-800-592-5717.
*15 00 242ZM 11230 11 2
VIRGINIA NOTICE TO POLICYHOLDERS - CLAIMS-MADE
LIABILITY COVERAGE
THIS NOTICE IS NOT YOUR POLICY. IT IS A STATEMENT AS REQUIRED BY VIRGINIA LAW REGARDING YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY AND CONTACT YOUR HARTFORD AGENT
in OR BROKER IF YOU HAVE ANY QUESTIONS.
rn
tn You have purchased a policy which includes claims-made liability coverage. Please read this policy carefully to c,
understand your coverage. There are certain circumstances in which you must be provided the opportunity to purchase an extended reporting period for reporting claims. These are explained in your policy. If you have any questions regarding the cost of an extended reporting period or the available options under the extended reporting period, please contact your agent or broker.
Form SS 33 02 09 10
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POLICYHOLDER NOTICE - IDENTITY RECOVERY
COVERAGE
We are pleased to inform you that your Business Owners policy from The Hartford now includes Identity Recovery coverage—at no extra cost to you. (Coverage is provided to individuals, the owners (sole proprietor or at
least 20% ownership) or partners, and full time employees whose identity has been stolen.)
Qz, Identity theft occurs when someone illegally assumes your identity of and uses it to do one or more of the following: r•-)
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Identity theft has struck 27 million Americans in the past five years alone and is the fastest growing crime in America. Owners of small businesses are especially vulnerable because they may have access to substantial lines of credit and are, therefore, attractive targets to identity thieves.
Identity Theft Can Cost You Time and Money
When identity theft occurs, victims have to spend money and, even more significantly, a considerable amount of time and energy to clear their credit history and correct their records. Victims frequently mention that this is an immensely frustrating and time-consuming experience. And long hours spent correcting your credit or identity records are a costly distraction from your business. The Hartford's Identity Recovery program is specially designed to save business owners like you the time and money of correcting problems stemming from the personal identity theft.
Case Manager Service and Expense Reimbursement
Even though you take all the right precautions as a business owner to protect yourself from identity theft, it can happen. If it does, your policy now provides you with the following protection and assistance:
o Access to a toll-free help line
(1-888-772-1798)
staffed by experienced identity theft counselors who can answer your questions, provide information and resources that can help you if you are a victim of identity theft, and speed the recovery process since they are familiar with the appropriate process and procedures. These services include:o Working with credit bureaus, creditors, financial institutions, and others to identify errors and help you correct your records;
o Enrolling you in an electronic credit monitoring service; o Requesting a fraud alert with credit bureaus where warranted;
o Preparing communications for you to send to the Social Security Administration, state Department of Motor Vehicles and other government entities;
o Providing legal referrals for assistance with court appearances and legal entanglements; o Working with you to check for a recurrence of identity theft problems;
o Keeping detailed records of the steps taken and remaining in the process.
o Reimbursement up to 515,000 for covered expenses (such as cost of obtaining credit bureau reports, postage, phone and shipping fees, certain legal fees caused by identity theft, and Notary and filing fees.) Should you suspect that you are a victim of identify theft, call our toll-free Identity Recovery Help Line at 1-888-772-1798. Identity recovery counselors are available Monday - Friday from 8:00 AM to 8:00 PM Eastern Standard Time.
Please review your policy carefully for policy terms and conditions. Thank you. Form SS 38 25 12 07 Page 1 of 1 o Make purchases; o Receive loans; o Undertake obligations; or o Commit crimes. © 2007, The Hartford
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IMPORTANT NOTICE TO POLICYHOLDERS - EXCLUSIONS
CARE, CUSTODY OR CONTROL OF REAL AND
PERSONAL PROPERTY
Beginning with this renewal, forms SX 21 04 Exclusion- Care, Custody or Control of Personal
Property and SX 21 05 Exclusion- Care, Custody or Control of Real Property will be attached to
your Spectrum policy which includes Umbrella coverage. These Umbrella forms eliminate
coverage for damage to real and personal property that is in your care, custody or control.
Please contact your agent, broker, or representative if you have any questions, and thank you for
choosing The Hartford as your insurer.
Form SS 38 50 07 06
POLICYHOLDER NOTICE
BUILDING LIMIT- AUTOMATIC INCREASE REVISION
Dear Hartford Policyholder:
A new form, SS 41 51, has been added to your Spectrum policy.
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This form modifies the Building Limit - Automatic Increase provision in the Standard Property
Coverage Form (form SS 00 06) or the Special Property Coverage Form (form SS 00 07) and
moves the provision from the Limits of Insurance section to the Additional Coverages section of
the policy.
The replacement language clarifies that the additional percentage of the Building limit that may be
applied in the event of a covered loss in excess of the Building Limit of Insurance is calculated on
an annualized basis, subject to a maximum of 8%. This is provided at no additional cost to you.
This may result in a reduction of coverage. Please review your Spectrum policy to determine how
this change may affect you.
If you have any questions regarding your Spectrum policy, please contact your Hartford
representative.
Thank you for choosing The Hartford as your insurer.
Form SS 38 96 10 09 Page 1 of 1
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POLICY NUMBER: 42 SBA ZM1123
THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN
RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK
INSURANCE ACT.
DISCLOSURE PURSUANT TO TERRORISM RISK
INSURANCE ACT
SCHEDULE
Terrorism Premium (Certified Acts):
A. Dis,
In Terrorism Risk
Ins we are required
to provrue you wun a nonce cusciosing the portion of your premium, if any, attributable to coverage for certified acts of terrorism under TRIA. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement.
B. Disclosure Of Federal Participation In Payment Of Terrorism Losses
The United States Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals 85% of that portion of such insured losses that exceeds the applicable insurer deductible.
However, if aggregate insured losses attributable to certified acts of terrorism under TRIA exceed $100 billion in a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion.
C. Cap On Insurer Participation In Payment Of Terrorism Losses
If aggregate insured losses attributable to certified acts of terrorism under TRIA exceed $100 billion in a Program Year (January 1 through December 31) and we have met our insurer deductible under TRIA, we shall not be liable for the payment of any portion of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury.
D. All other terms and conditions remain the same.
Form SS 83 76 01 08 Page 1 of 1
© 2008, The Hartford
IMPORTANT INFORMATION REGARDING
YOUR INSURANCE
c IN THE EVENT YOU NEED TO CONTACT SOMEONE ABOUT THIS INSURANCE FOR ANY REASON, in
rn PLEASE CONTACT YOUR HARTFORD AGENT. If no agent was involved in the sale of this insurance, or if you rn
c) have additional questions, you may contact the insurance company issuing this insurance at the following address and telephone number.
*1500242ZM
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112 SERVICING OFFICE:
THE HARTFORD
8711 UNIVERSITY EAST DRIVE CHARLOTTE
(866) 467-8730
NC 28213
If you have been unable to contact or obtain satisfaction from the agent or from The Hartford's servicing office, you may contact the Virginia State Corporation Commission's Bureau of Insurance at the address below.
VIRGINIA BUREAU OF INSURANCE P.O. Box 1157
Richmond, VA 23218
Telephone: (804) 371-9185
1-800-552-7945 (Virginia Residents Only)
Written correspondence is preferable so that a record of your inquiry is maintained.
WHEN CONTACTING YOUR AGENT, COMPANY OR THE BUREAU OF INSURANCE,
HAVE YOUR POLICY NUMBER AVAILABLE.
Form G-3020-3
IMPORTANT NOTICE TO POLICYHOLDERS
To help your insurance keep pace with increasing costs, we have increased your amount of insurance . . . giving you
v_i better protection in case of either a partial, or total loss to your property.
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(J,' If you feel the new amount is not the proper one, please contact your agent or broker.
*15 002 42ZM 1 123 0112
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IMPORTANT NOTICE TO POLICYHOLDERS
EXCLUSION — FUNGI, BACTERIA AND VIRUSES FOLLOWING FORM — FUNGI, BACTERIA AND VIRUSES
NEW EXCLUSION(S) HAVE BEEN ADDED TO YOUR SPECTRUM POLICY. YOU SHOULD REVIEW YOUR POLICY AND CONTACT YOUR HARTFORD AGENT OR YOUR BROKER IF YOU HAVE ANY QUESTIONS.
These endorsements, titled Exclusion — Fungi, Bacteria And Viruses, and, if applicable, Following Form — Fungi Bacteria and Viruses, exclude coverage for injury or damage arising out of or related to the presence of or exposure to fungi, bacteria or viruses and byproducts resulting from those organisms. The forms also exclude any loss, cost or expense arising out of testing for and other activities that are in response to or for assessing the effects of the excluded items. A food ingestion exception is built into the form. Following Form — Fungi, Bacteria and Viruses is applicable to your SPECTRUM Umbrella coverage if included in your policy.
Please contact your agent or broker for further information.
Form SS 83 67 12 02 Page 1 of 1
Policy Number: 42 SBA ZM1123 Effective Date: 01/01/11
IMPORTANT NOTICE TO POLICYHOLDERS
-BUSINESS INCOME AND EXTRA EXPENSE COVERAGE
Your policy has been changed by the addition of form SS 40 60, Actual Loss Sustained Business Income and Extra Expense - Specified Limit to your policy. This endorsement changes your policy by applying a dollar limit to your Business Income and Extra Expense coverage. The maximum limit of insurance offered is determined by applying a Limit Factor of .65 to the amount of annual sales reported to us.
Your Annual Sales as reported to us are:
*15 00 242 ZM 11 23011 2 $6,500,000
With this change, your Specified Limit of Insurance for Business Income and Extra Expense — Actual Loss Sustained is:
$ $3,250,000
This change to your policy represents a reduction in coverage. Under Your prior policy this coverage was not subject to the Limits of Insurance.
Your new Specific Limit of Insurance for Business Income and Extra Expense is fixed for the period of Your policy, regardless of Your actual annual sales. Please contact your agent, broker, or your Hartford representative to have your policy updated with the correct Annual Sales if the Annual Sales shown above are incorrect. An incorrect Annual Sales figure may result in an inadequate limit of insurance for Business Income and Extra Expense.
Form SS 83 81 01 09 Page 1 of 1
IMPORTANT NOTICE TO VIRGINIA POLICYHOLDERS
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UNLESS SPECIFICALLY ENDORSED TO PROVIDE COVERAGE
This policy does not provide coverage for damage due to flood, surface water,
waves, tidal water, or any other overflow of a body of water.
For information on obtaining Flood Insurance, contact your agent, broker,
other Hartford representative, or the National Flood Insurance Program.
Form G-3252-0 Page 1 of 1
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SPECTRUM POLICY ADJUSTMENT NOTICE
The enclosed Spectrum Policy from The Hartford is subject to audit. The premium identified in the Declarations is a deposit or estimated premium for the policy period shown in the Declarations. The final premium will be determined when the policy period expires. The deposit or estimated premium for Business Liability coverage may be based on annual sales, payroll, or similar fluctuating exposures; the audit will determine the actual amount of exposure that existed during the policy period. Certain property coverages, such as Business Income and Extra Expense or Gross Earnings, if applicable, are also subject to audit, as they may be rated based on exposures, such as annual sales or rental income, that fluctuate during the policy period.
When the policy period expires you may receive either a form requesting pertinent information concerning this policy or a notice that a company Premium Auditor will audit your records to verify the basis of premium for your insurance policy. When the audit has been completed, you will receive a copy of the audit statement. The audit statement will show the amount of the audited policy premium.
The final audit may result in either a return premium to you or an additional premium due to The Hartford.
If we owe you a return premium, The Hartford will mail you a check for the full amount due you, less any past due amounts, if applicable.
If you owe us an additional premium, the entire amount will appear as due and payable on your next bill. This bill will also reflect the estimated premium due for the billing period of your renewal policy(ies), if any.
If you have any questions regarding the premium audit process, please contact your agent, broker, or Hartford representative.
Thank you for doing business with The Hartford.
Form SS 83 94 07 04 Page 1 of 1
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VIRGINIA NOTICE - ORDINANCE OR LAW
IMPORTANT INFORMATION FOR VIRGINIA POLICYHOLDERS
Valuable coverages are available to you as an addition to your Spectrum Policy. For an additional premium, you may purchase either the standard Ordinance or Law Coverage, or the Broad Form Ordinance or Law Coverage.
The standard Ordinance or Law Coverage provides that in the event of loss, property will be repaired or replaced in accordance with applicable ordinances or laws that regulate construction, repair or demolition. The Broad Form Ordinance or Law Coverage also includes coverage for the cleanup, removal or treatment of pollutants, as a result of the enforcement of any ordinance or law.
If you would like to purchase this coverage, please contact your Hartford Agent or representative.
PLEASE MAKE SURE TO INCLUDE YOUR POLICY NUMBER IN ANY CORRESPONDENCE.
