WEBINAR SERIES Beauty Salon and Barber Shop Janitorial

WEBINAR SERIES Beauty Salon and Barber Shop & Janitorial Services Sponsored by Abram Interstate Insurance Services (916) 780 -7000 | Abram. Interstate. com Aug. 23, 2017

Our Presenters John Poucher Sales and Marketing Manager johnp@abraminterstate. com Sarah Benson CPCU, ASLI, RPLU, AIS, AINS Assistant Vice President, Travel Underwriter

AGENDA Why Partner with Abram Interstate and USLI Beauty Salon and Barber Shop- The Opportunity, Product Focus, Class Distribution, Product Advantages Janitorial Services- The Opportunity, Product Focus, Class Distribution, Product Advantages How to Get a Quote Business Resource Center

Why Partner With Abram and USLI Abram Interstate Insurance Services r 21 Years in Business r Privately Held and Operated r Consistent Growth From 3 to 21 Employees r Our Market Focus is Commercial, Agri-Business and Personal Lines r Friendly and Energetic Team – We are Here to Help r Phone and Web Instant Quote System for USLI r Berkshire Hathaway Company r A. M. Best A++ Financial Stability Rating r No General Liability Deductible r Ability to Consider New Ventures r Many Admitted Product Offerings r Services of the Business Resource Center

Question 1 How many people are employed as hairdressers, hair stylists, & cosmetologists in California? Answer – 41, 400

Industry and Opportunity Beauty Salon and Barber Shop There are over a million beauty salons in the United States Projected 10 percent job growth from 2014 -2024 within the industry 31% of beauty workers are self employed: Most are required to carry insurance

Lines of Coverage Offered Beauty Salon and Barber Shop General Liability: $1 Million each occurrence, $2 Million aggregate, $500, 000 damage to premises rented to you ($100, 000 is included), $25, 000 medical payments ($5, 000 is included) Professional Liability: Coverage included up to the general liability limit Property: Up to $3 Million Excess/Umbrella: $5 Million additional capacity available Hired & Non-owned Auto Equipment breakdown

Coverage Features Beauty Salon and Barber Shop Rated based on full and part-time professional operators (Part time is considered less than 20 hours/week) Tanning device liability Up to four beds r $100, 000/$300, 000 maximum limits r $100 per bed r Massage liability We can consider up to four massage therapists r $100 per therapist r

Coverage Features Beauty Salon and Barber Shop Professional liability Automatically included for specified professional services r Provides coverage for bodily injury, property damage or personal and advertising injury arising only out of the rendering of or the failure to render the following professional services: r • • • Applying hair extensions Facials (except chemical peels) Hair coloring and highlighting Hair cutting Hair perming or straightening Hair styling • Manicures and pedicures • Makeup application (except permanent makeup) • Massage • Shaving • Waxing

Coverage Features Beauty Salon and Barber Shop Professional liability- this coverage is extended to both independents and operators who rent chairs/booths when we write the salon! The ability to write general/professional liability for independent contractors/operators. r For individuals renting chair or booth Massage Therapists Beauticians, nail technicians, or barbers r Low minimum premiums start at $210 in California

Question 2 How many Janitorial Service Companies Does California Have? Answer – 14, 958

Product’s Growth Janitorial Services

Where We Compete Best Janitorial Services Mercantile 26. 6% 26. 7% Residential 46. 7% Office

Target Locations Janitorial Services Medical Offices Office Buildings Apartments Office Operations Offices of: Condominiums Auto Repair • Club Houses Industrial • Common Areas Institutional Machine Shops Manufacturing Processing Warehouses Homes Mercantile Arcades Banks Restaurants Retail Stores Theaters Fitness Centers Churches

Extensive Array of Coverages Janitorial Services Available General Liability Limits: $1 million each occurrence, $3 million aggregate, $300, 000 damage to premises rented to you, $5, 000 medical expense Excess/Umbrella: $5 million additional capacity available Property Damage Extension: Eliminates damage to property exclusion for items under care, custody, control of insured- each occurrence limit of $5, 000.

Extensive Array of Coverages Janitorial Services Employee Theft Coverage r Limits $5, 000/$10, 000 up to $100, 000/$200, 000 Employee must be convicted of theft for coverage to be triggered Inland Marine Coverage Contractors Equipment- covers tools wherever located ($2, 500 per item, $10, 000 per loss) r Rental Reimbursement- rental of equipment when there has been a loss to covered equipment ($250/day, $5, 000 per loss) r Lost Key Coverage- coverage for keys (and locks) in insured’s care ($25, 000 limit) r

How Our Product is Different Janitorial Services Floor Waxing up to 50% Blanket Additional Insured Non-auditable rating basis

We Make It Quick and Easy Get an Instant Phone Quote. Call Abram’s Dedicated USLI phone number 888 -845 -1626 Quote online at www. abraminterstate. com All Quotes come with a pre-filled application Digital applications are also available for your applicant to complete with an electronic signature. We can quote using any application. Send to apps@abraminterstate. com

The Business Resource Center offers a variety of services available on all USLI products including:

The Business Resource Center only works to win business when it is a part of your sales discussion Every quote includes an attachment promoting this message after the pre-filled application Save money, time and peace of mind! Our cost calculator can show your clients how to save big!

How can it help YOU grow your business? Strengthens the client relationship and protects long-term operations and renewal business r Serves as a vehicle to cross-sell/upsell new lines of business r Increases your ability to bind at the point-of-sale r Offers tools to increase your clients’ business opportunities r Bring something to the table that your competitor can’t provide r

Questions? (916) 780 -7000