The Travelers advantage

Our staff is dedicated to contractors. This dedication means our underwriters, risk control consultants and claim professionals not only know construction but are skilled in helping contractors better manage their complex indemnity, additional insured, and other contractual exposures – and their overall cost of risk.

Travelers’ appetite for large and small plumbing and mechanical contractors is broad. Some markets can serve you locally, but not when you grow or work outside of your area. Travelers serves multi-state and local plumbing and mechanical contractors with experience that translates to a better understanding of what you do.

Total account solution

Travelers is your single source for insurance and risk management solutions to meet the needs of plumbing and mechanical contractors. Products available include:• Commercial general liability• Workers compensation• Automobile liability and physical damage• Global i.e., exposure in Canada and Mexico• Umbrella• Property• Surety

• Inland marine coverage – Contractors equipment – Installation and builders’ risk – Computerized business equipment

• Owners and contractors protective coverage• Railroad protective coverage• Employment practices liability • Directors and officers liability• Fiduciary liability• Crime coverages• Products available on a surplus lines basis:*

– Contractors professional liability – Contractors pollution liability – Fungi or bacteria property damage and cleanup

The strength of Travelers

In business more than 150 years, Travelers is a component of the Dow Jones Industrial Average and an industry leader in insurance. We consistently receive high ratings for financial strength and claims-paying ability from independent rating services, including A.M. Best, Moody’s andStandard & Poor’s. Our financial strength allows us to give you a long-term commitment to support your business needs. We’re with you before, during and after a loss.

Air conditioning to heating systems, water supply to sewer hookups, clean rooms to boilers, plumbing and mechanical contractors put their specialized knowledge and tools to work for their customers.

ConstructionPLUMBING AND MECHANICAL CONTRACTORS

travelers.com/construction

The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

*Coverage is underwritten by St. Paul Surplus Lines Insurance Company, a subsidiary company of Travelers. St. Paul Surplus Lines Insurance Company is a U.S.-based surplus lines insurer, and the information in this document is provided for general informational purposes and does not constitute an offer to sell or a solicitation. Furthermore, the document is intended for surplus lines licensees.

© 2014 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. CP-7098 Rev.1-14

How do your current carrier’s coverages and services compare? Travelers Currentcarrier

Coverage – everything you expect and more …

Total account solution for Property & Casualty lines plus: •Additional insured endorsements that can meet your contract requirements •Contractors XTEND Endorsement® with 14 GL coverage enhancements specifically for contractors •Professional coverage available on a non-admitted basis: A separate policy specifically developed to address contractors’ design exposures •Pollution coverage available: A separate contractors pollution liability policy written on a non-admitted basis with its own set of limits. Mold coverage including bodily injury, property damage and cleanup costs may be added by endorsement

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New product available for plumbing and mechanical contractors with $3 million or less in annual payroll – mold coverage limited to property damage and cleanup costs is available on a separate non-admitted policy. No requirement to purchase a pollution policy to obtain this coverage

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Dedicated risk control with construction expertise

Specialists available locally to assist you with your risk control challenges •Safety Academy classes on current topics relevant to plumbing and mechanical contractors such as Daily Safety Management and Fall Hazard Awareness – at no cost to you

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Online safety webinars to hear from industry professionals on a variety of risk control topics – at no cost to you •Website with an extensive portfolio of products and services – providing easy access to a broad range of information that can help address the safety challenges faced by contractors

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Industrial Hygiene & Laboratory Analytical Services – American Industrial Hygiene Association (AIHA) Accredited Lab, consulting toll-free helpline (1.800.842.0355)

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Dedicated claim staff with construction expertise – when youneed it

24/7 claim reporting via the Internet (travelers.com) or our toll-free phone number giving you easy, convenient options to quickly submit claims •60+ local claim offices with dedicated construction claim professionals equipped to quickly respond to claims and conduct site investigations when appropriate

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Dedicated construction attorneys: We use only experienced trial counsel who know construction and can produce results •Forensic Investigation providing expertise that will help identify the liabilities of the contractor •TravComp® – State-of-the-art claims technology combined with co-located claims and medical professionals to facilitate the best possible claim outcome •

Bill plans Multiple direct bill and agency bill plans available to fit your cash flow needs •

Please contact us for more information

For contractors professional liability contact Deb Evers at 651.310.8022 or djevers@travelers.com

For contractors pollution liability please contact Travelers Environmental Practice at 866.787.2857