CentralizerINTEGRITY EXCELLENCE RELATIONSHIPS

Inside this issue:

2 Turning Ideas Into Action: A Strategy for Success

3 Financial Report 2015

4 A Diamond in the Rough: Kapnick Insurance Group

7 Change in Residence Premises Definition

Fjording our Partnership: President’s Circle 2017

8 Severe Weather: A Before and After Guide

10 Infographic: Weathering theStorm

11 Loss Control for Policyholders

Celebrating Relationships!

12 Out With the Old, In With theNew!

FYI...

central-insurance.com April 2016

CENTRALIZE®

This is more than just a tagline; it’s our core belief and the foundation of our culture at Central. Every-

thing we do comes back to fulfilling the promise that we made to our first policy-holders 140 years ago.

As we celebrate the 140th anniversary of Central, I am truly amazed at everything that has changed in the world and our industry since our origin. I feel fortunate to be associated with a company so full of rich history and traditions; a company that has not wavered from the business model on which it was founded.

Back in 1876, local individuals and busi-nesses grew weary of sending their money to large insurance companies several states away that had very little understanding of who they were or what they were about. A collective of these individuals and businesses came together to mutually secure their own futures and promised they would be there to take care of each other come what may. Through the Great Depression, world wars, the growth of an auto industry, labor acts, and the expan-sion of a litigious society, Central has grown and evolved to meet the needs of our agents and policyholders and fulfill that same promise.

Always devoted to the independent agency distribution system and its entrepreneurs, Central’s initial business model was fairly

Scan to view our video Insurance 101: Equipment

Breakdown Coverage (For Your Business)

straightforward: identify the most profes-sional agency in a town and subsequently partner with it to entertain the commu-nity’s prominent businesses, as well as the personal insurance needs of those business owners and their friends. With that type of local commitment, it was imperative that strong relationships, efficient service, and an unwavering dedication to the security needs of those communities remain a top priority throughout the organization. If we were to stumble in meeting the expecta-tions of one community member, it would most certainly have an adverse effect on our business with the remainder. While the size and complexity of our partners, their communities, and their financial needs have grown dramatically, our core beliefs remain unchanged: partner with the best and exceed their expectations.

With a Policyholder Security Fund that hit a high-water mark at year end 2015, we remain dedicated to exceeding the finan-cial security needs of our partners for the next 140 years to come.

Central Insurance… Fulfilling the Promise for 140 Years!

Fulfilling the Promise Since 1876...by Tim Rauch, Vice President - Marketing

Turning Ideas Into Action: A Strategy for Success

My father was someone who was always thinking about three steps ahead

of everyone else. Not that he was disinterested in the here and now, but rather was always seeking an advantage or improvement over what we were doing at the time.

One day he was over the top to show me this new electronic box about the size of a washing machine. He dialed a telephone number into the controls, placed a document in a feed tray on top of the machine, and pushed a but-ton. I calmly watched as the docu-ment crawled and paused to the beeps and buzzes as the machine worked through its cycle. In that spine-tingling minute and a half of processing, my father explained at a somewhat hysterical level that an exact replica of that document was printing in our Atlanta office! I hon-estly thought he needed a vacation; how could you get so excited over this machine sending a document over the telephone? “It’s innova-tion,” he explained, “the future of business communication,” all while sending more of these faxes to Central’s other regional offices.

I have no recollection of what was on the document he sent that day, but knowing him it was something like, “You ain’t seen nothing yet!” More than 30 years later, our mu-seum is filled with equipment like the aforementioned fax machine, but our drive for innovation is the same as it was in 1979: to improve

our products and services and gain an advantage in delivering them to our customers. What’s even more interesting is our strategy hasn’t changed: identify a need, gather together a team of innovative prob-lem solvers, and build a solution that fulfills the need. It’s a strategy that has served us well in our 140 years and one you will hear more about in the pages of this report.

I am very proud to continue the investment in our culture of excel-lence; that passion my father valued so dearly. We will develop and build those exciting capabilities like the one he was proud to share with me so many years ago. It is our in-vestment in your future – anticipat-ing your needs so we can provide security, protection, and peace of mind.

Central is currently building an Innovation Team of people who think like my father to enhance the development of our products and services. Their focus will be to anticipate your needs in the future. We look forward to sharing these results in next year’s report.

If you had one of those fancy little machines, I could fax you a document that says, “You ain’t seen nothing yet!”

Since 1876…

F. W. Purmort Chairman of the Board and President

To view the full Annual Report, visit the Agents Access website.2

Financial ReportCentral Mutual and All America Insurance Companies December 31, 2015

Assets Central Mutual All AmericaBonds $750,845,499 $225,977,412

Stocks – Affiliates 145,965,052 0

Stocks – Nonaffiliated 268,017,938 1,979

Real Estate 44,251,738 0

Cash & Short-Term Investments 32,545,192 9,663,487

Agents’ Balances & Uncollected Premiums 153,389,374 29,258,743

Accounts Receivable – Reinsurance 6,588,423 1,254,938

Interest & Dividends Due and Accrued 17,112,503 2,391,817

Federal Income Taxes Recoverable 0 0

Other Assets 32,467,691 7,235,151

Total Admitted Assets $1,451,183,410 $275,783,527

Liabilities and Policyholders’ Security Fund Central Mutual All AmericaLosses & Loss Adjusting Expenses $361,267,060 $68,812,773

Unearned Premiums 263,403,060 50,172,014

Commissions Payable & Contingent Commissions 17,723,404 3,375,887

Ceded Reinsurance Premiums Payable 4,165,044 793,342

Taxes and Other Expenses 42,016,140 4,256,354

Dividends to Policyholders 290,697 55,371

Other Liabilities 56,515,884 2,352,734

Capital Stock and Contributed Surplus 0 14,552,000

Unassigned Funds (Policyholders’ Security Fund) 705,802,121 131,413,052

Policyholders’ Security Fund 705,802,121 145,965,052

Total Liabilities & Policyholders’ Security Fund $1,451,183,410 $275,783,527

Tangible AssetsCentral Mutual Insurance Company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,451,183,410

All America Insurance Company. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $275,783,527

Direct Premium Written. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $630,501,027

Net Premiums Written / Policyholders’ Surplus Ratio . . . . . . . . . . . . . . . . . . . . . . . . . 0.82

Combined Ratio – Central Companies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .91.5%

Combined Ratio – P&C Industry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .98.0%

This information is not intended to su-percede, or be as comprehensive as, the statutory annual statement filed for each company with the appropriate state insurance departments. The statutory financial statements of Central Mutual Insurance Company and Consolidated Subsidiaries have been audited by Plante & Moran, PLLC. Complete copies of the statutory financial statements have been filed with the appropriate state insurance departments and are also on file at the Home Office of the Central Insurance Companies in Van Wert, Ohio.

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A Diamond in the Rough: Kapnick Insurance Group

It’s said the diamonds found on Earth were formed hundreds of millions of years ago. But Central has uncovered

a diamond in Michigan that’s just a few months old.

Kapnick Insurance Group recently eclipsed the $10 million premium mark with Central, elevating them to the highest tier of achievement in Central’s President’s Circle – the Diamond Tier. Appointed by Central in 2008, the agency has also achieved Inner Circle, Key Partner, and Premier agency status in just eight short years. Chief Execu-tive Officer Jim Kapnick and his brother Mike, President and Chief Operating Officer, are the third generation of Kapnicks to lead the agency established by their grandfather, Elmer Kapnick, in 1946. Today the agency writes both personal and commercial lines with Central, especially program and niche business.

“We really push the niche business on programs,” says Mike. “Our dad (Doug) grew Kapnick by focusing on certain niches and becoming a consultative expert in those areas. We’ve made a strong recommitment to that over the last couple years, especially in the towing, habitational, and golf course markets.”

“One of the things we really appreciate is that Central’s very open to having discussions about products, potentially different coverages, and listening to what the clients actually need,” says Mike. “That’s really important, espe-cially when you go into those industry focuses. Central’s been great at that.”

“I mention this all the time to the personal insurance leadership team at Central, that we share such similar core values. We both want to do what’s right for our clients! This is probably the biggest reason for our com-bined success.”

Sam Engardio, Sr. Vice President

“Central has given us new marketing opportunities that didn’t exist before,” says Sam Engardio. “We either had to place a client with the standard protec-tion or high net worth stand-by com-panies like Chubb, AIG, etc. We love the new Signature Program and find the product outstanding. It allows the young, nearly affluent clients a better option for coverage. With the major changes in the high net worth personal insurance market, having Central’s Signature product available will lead us to more opportunities with the next group of high net worth clients. Not to mention Central’s outstanding claims service is instrumental in us choosing the Signature product for higher valued homes and schedules.”

So what’s the key to Kapnick’s success? The agency’s Annual Strategic Planning process.

“It’s an annual plan that involves every single employee,” says Mike. “We know from a leadership standpoint that we don’t know everything and we don’t have all of the answers. We need every single person to give their opinion and insight. They are the ones

working with our clients, carriers, vendors, and each other. They’re the ones who really know.”

The Annual Strategic Planning process begins in December, before the begin-ning of the year when agency produc-tion is high and agency staff is busy. It starts with the Growth Leadership Team, a mixture of top client execu-tives, members of the Executive Team, and internal leadership staff.

“Once a year we get together and talk about our plan for growth for the next year,” says Mike. “What are our initia-tives to make sure that we continue to grow every single year?”

After the initial meeting of the Growth Leadership Team, the planning pro-cess continues with the Afternoons of Dialogue. Each department within the agency’s three divisions – Employee Benefits, Property & Casualty, and Corporate Administration – meets without their manager. Each meeting is instead facilitated by a manager from a different division of the company to encourage honest communication. The sessions generate some really great discussion that’s very positive and forward thinking.

“It’s basically an open conversation,” says Mike. “We do have some estab-lished questions to prompt conversa-tion, but the setting really gives every employee the opportunity to say what’s on their mind and be part of the process.” Meeting facilitators are paired with a group that is similar to the one they manage in their own division of the company.

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“This allows the managing team leaders to learn a ton,” says Mike. “They learn a lot just talking to the group.”

After the Afternoons of Dialogue are complete, the Operational Leadership Team meets for a day to compile the notes from the sessions and come up with the initiatives to accomplish in the coming year. These initiatives are then presented to the Executive Commit-tee to make sure they align with the company’s mission and goals.

The Annual Strategic Planning process wraps up with a Spring Fling where all employees gather at one of the agency offices to preview the key initiatives for the year and hear the direction for the company.

“We close the office at noon,” says Mike, “and spend about an hour talking about what the next year will bring. Then we do a fun event for the rest of the afternoon…bowling, a painting class, a pub crawl, a tour of the Uni-versity of Michigan Athletic Facilities. All in all, it generates a lot of team building across offices and departments.”

Mike says the official process only takes about a month but employee input is encouraged throughout the year.

“I think it’s great to have every single employee feel comfortable that they have an opportunity to be part of our success. Even though it’s condensed into a short time period, we don’t want them to only say what’s on their

Pat Jackson, Central Regional Manager and Vice President, presents Jim Kapnick

with the Diamond Partner Award.

(continued on page 6)

mind at just that moment. Being involved in the planning process gets them thinking and encourages them to be strategic all year long.”

Mike Kapnick

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The process also assures the Strategic Plan stays on track.

“Standing up there and going through our initiatives for the year in front of everyone holds the Executive Com-mittee accountable,” says Mike. “It’s easy to complete a strategic plan that sounds great then throw it up on a shelf where it collects dust. We address all of last year’s initiatives and share not only which we’ve accomplished, but which ones still need a little more work.”

Involving the entire agency in the strategic planning also helps the agency accomplish more in a shorter amount of time.

“There’s a lot of excitement,” says Mike. “People know what’s going on and there’s a lot of buy in. If our Hu-man Resources manager has an initia-tive, everyone is already familiar with it so when it’s addressed, there’s already buy in that allows us to get things done quicker.” In fact, a quarter of the agency’s initiatives for 2016 established in December were already completed by the end of March.

The Annual Strategic Plan process not only has a profound effect on company morale, it’s an asset when it comes to hiring and retaining that coveted work-force in the industry: millennials.

“It’s definitely been part of our thought process. As we’ve grown, we’ve un-derstood we need to get more people involved for us to continue to grow. On the other hand, the way

we operate appeals to the millennial generation. They want to be involved, they want to be part of a team, part of projects. Our struc-ture is a great marriage be-tween those two needs.”

Mike Kapnick

Mike says it’s not just the millennials who appreciate the agency’s approach.

“We’ve even seen how refreshing it is for the more experienced employees that we’ve hired to be at a company that really wants their input and involve-ment,” says Mike. “We’ve experienced a big changeover in the last couple years; one-third of our employees have been here less than two years. Employees come in and can be skepti-cal, but we’ve received a lot of great feedback on how we allow them to be involved in determining the direction of the agency. I think people feel that they are part of something here, which is important. It’s a family-owned business; Jim and I are third generation. Everyone that chooses to work here is part of the family.”

And they don’t just want to be involved once a year: they want to be involved throughout the process.

“We said we want to get this done,” says Mike. “How do we give the op-portunity to all of our employees to dive into some of those and be part of implementing that initiative?” So the agency’s executive team has created committees outside of the management team to tackle some of the initiatives identified during the strategic planning.

Kapnick’s approach to making the company’s success a team effort aligns perfectly with Central’s core values. This shared philosophy is just one of the reasons Central and Kapnick enjoy such a strong and mutually beneficial partnership.

“We take the relationships with all of our carriers very seriously. We really look at it as a partnership and see how we can get into a win/win situation. Right from the start, the relationship with Central just felt right. Our core values, who we are and what we’re trying to ac-complish, it’s a really nice fit.”

Mike Kapnick

Mike says what really drives the agency/carrier relationship is which carrier the agency staff feels comfortable with – that’s who they’re going to recommend to clients. Central’s presence and con-tinual training has built this relationship.

“We’re here to represent our clients to get them the best coverage,” says Mike, “and while we understand that price is very important – especially on the personal lines side – we try to convey to our clients that what they’re really purchasing is a legal contract. When a claim happens, they want to make sure they have all of the support that contract promises. We’re here to help assure they’re purchasing from a carrier that’s going to respond the way that they should. We feel really good know-ing that Central’s going to do that.”

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Set sail on a Scandinavian adventure with Central! From the spectacular beauty of Bergen, Norway, to the excitement and culture of metropolitan Stockholm, Sweden, President’s Circle 2017 will offer the experience of a lifetime! First we’ll

explore the majestic mountains and picturesque waterfalls of Norway, then travel to Stockholm, where modern attractions meet historic charm, and enjoy all this capital city has to offer. The 2017 trip has it all so set your goals now. Visit the “Publications” sec-tion of our Agents Access website for details on how your agency can qualify.

Change in Residence Premises Definition

ISO recently introduced a change to their Homeowners program to clarify the definition of “residence premises”

and how coverage applies when there is a change in occupancy.

At Central, we feel occupancy should be an underwriting eligibility issue and not a coverage determination issue at the time of a claim. We do not feel ISO’s recent changes are in the best interest of our policyholders, agency partners, or Central. As a result, we are not adopting ISO’s filed changes.

Instead, Central has filed company-unique endorsements that modify the definition of “residence premises” to completely remove the “where you reside” verbiage.

The first endorsement applies to own-ers form policies and the second endorsement applies to HO-6 policies. These mandatory endorsements will be attached to all homeowners policies at no additional cost. Same as what oc-curs today, changes in occupancy will be handled by the underwriter according to applicable state laws.

Central’s new endorsements address the catastrophic gap in coverage caused by the current “residence premises” definition and allow us to meet the policyholder’s reasonable expectation of coverage.

You can find more detailed informa-tion on the issue as reported by Bill Wilson from the Independent Insur-ance Agents & Brokers of America on the IIABA website. Choose “Vir-tual University” on the “Education & Events” dropdown menu, then expand the “Featured Resources” section on the left-hand page menu and choose “Where You Reside.”

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Severe Weather: A Before and After Guide

The Spring storm season is here and while you can’t control the weather, you can help your

customers be better prepared for severe weather events and recover more quickly after. Central offers a variety of resources you can post on your agency’s website or share on your Facebook page to provide helpful tips and information.

Before severe weather strikes…

• Our Generator Safety Tips and Simple Sump Pump Maintenance videos will help your policyhold-ers make sure equipment is ready should they need it. Simple Roof Maintenance Tips will help poli-cyholders keep their roofs in top shape so they can better prevent storm damage.

• An up-to-date home inventory makes it easier to settle claims when a loss occurs. The How to Complete A Household Inventory video is a step-by-step guide on completing the inventory process. Share the video along with our Household Inventory (2-4010) brochure.

• Central offers over 25 weather-related blog posts including “Pre-paring for a Power Outage,” “Do You Need Flood Insurance For Your Home?,” “Tree Damage – Are You Insured?,” and “Are You Prepared for a Disaster?”

• Our series of Storm Proofing brochures cover topics such as inspecting your home for wind-resistance and common myths about storm-proofing. Storm Season is Here…Are You Pre-pared? (2-7587) and Preparing for an Emergency (22-1314) outline the steps to take before a disaster strikes.

After the storm… • Our After A Loss: Filing Your

Home Insurance Claim or After A Loss: Filing Your Business Insur-ance Claim videos will guide your customers through the claims process. Insurance 101: Business Income Coverage will help business

owners understand the coverage they might have should the storm interrupt their operations.

• “After the Storm: Finding and Hiring the Right Contractor” and “Navigating the Roof Claim Pro-cess” are two of the many helpful blog posts that can aid your cus-tomers in recovering after a loss.

• Businesses can benefit from our Business Interruption Basics (2-7605), Flood Recovery Action Steps (22-1313), and Preparing for Electrical Power Outage (22-1304) brochures.

All of these resources and many, many more are available on our website:

• Videos…visit our YouTube chan-nel or refer to our “Video Library” webpage found in the “Publica-tions” box on Agents Access. The “Video Library” webpage provides links to download each video as well as the HTML code to embed these videos on your website. Policyholders can access our videos via the “Video Library” page found on the “Resources” menu on central-insurance.com.

• Blog Posts...visit Central’s blog and choose the “Weather” category for a full list of weather-related posts. Simply choose your preferred method to share from the options at the bottom of each post.

• Brochures…can be found on the “Resources” page on central-insurance.com. You can also download and print them from the “Forms & Brochures” menu on Agents Access.

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Of course, one of the best ways you can aid your customers is to be pre-pared for severe weather yourself.

Before a catastrophe… • Explain to each of your policy-

holders the coverage afforded by the policy as written.

• Discuss replacement cost provi-sions as well as co-insurance clauses.

• Eliminate disappointing surprises by reviewing coverage limits, exclusions, and deductibles with your insureds before any loss occurs.

• Set aside ample supplies of neces-sary forms so you may start pro-cessing your losses immediately.

• Know your sources of additional help and equipment.

• Consider the need for additional telephone service to receive the calls from your policyholders.

During a catastrophe… • Call the Regional Claims Man-

ager as soon as possible after a catastrophe and discuss your best guess as to the number of claims you anticipate receiving and the average expected loss per claim. Provide a separate estimate for homeowners, auto, and com-mercial property.

• Report a claim by:

1. Submitting it online directly through our website at central-insurance.com.

2. E-mailing the Loss Notice from your system to Central at lossnotices@central-insur-ance.com.

3. Faxing the Loss Notice from your internal computer system to 800-736-7026 or 419-238-7626.

4. Utilizing the “Report a Claim” link on the “Claims” menu on the Agents Access website.

5. Preparing an ACORD Loss Notice and fax it to Central at 800-736-7026 or 419-238-7626.

6. Faxing Central a copy of the declarations page. Please write the insured’s phone number and any special contact instructions on the declarations page.

If the loss is a bona fide hardship case requiring immediate attention, please telephone the notice to our Home Of-fice at 888-263-2924.

• Do not assign any losses to claims representatives.

• Do not handle any losses by Agency Claim Check unless re-quested to do so by the Regional Claims Manager.

Central’s “Severe Weather Alert” noti-fications are sent when severe weather threatens or affects your area and your policyholders. These e-mail messages contain information about Central’s claims procedure and how to report a claim. We often include information about FEMA in the event flooding is im-minent. It’s important information you will appreciate having readily available should you be faced with a catastrophic weather event.

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Loss Control for Policyholders

Preparing for an ISO VisitBusiness owners commonly tell us someone from ISO wants to visit their business and then we invariably hear the question, “Who are they and why do they want an appointment?” ISO, or the Insurance Services Office, is an independent organization that evaluates the building and business operations inside the building to determine a “fire rate.” Insurance companies then use the fire rate as a basis to develop the premium for the business’s property coverage.

ISO uses many factors to develop the fire rate such as the building construc-tion, the nature of the business inside the building, the type of manufacturing processes and materials used in the business, and how the materials are stored in the building. In addition, they will evaluate the adequacy of internal fire protection systems based on the business inside the building. Examples of internal fire protection systems include sprinkler systems, fire extin-guishers, fire suppression systems in restaurants, and spray booths for auto body shops. How these systems are maintained is also considered in the fire rate development. They also take into consideration the quality of the local fire department and the amount of water near the building that can be utilized to fight a fire.

Central’s webinar “Preparing for an ISO Visit” will explain these factors and what your customer can do to prepare in advance for an ISO visit.

The Six Conditions that Lead to AccidentsHave you ever received a phone call from a commercial insurance customer requesting assistance with driver safety issues? Agency producers and customer service representatives often receive such calls. The commercial customer may be in a transportation-related industry or their fleet operation may only be ancillary to their main opera-tions. Roadway crashes continue to be the leading cause of workplace deaths. They are by far the leading cause of death for truck drivers. What can you do to assist your policyholder in managing this risk? Our webinar “The Six Conditions that Lead to Accidents” discusses topics such as driver aware-ness, preventability of accidents, and driving defensively.

You can view these or one of our many other recorded webinars at your convenience using the links found under Loss Control in the “Online Training and Videos” box on the Agents Access homepage. Your customers can view the webinar using the link on the “Risk Management” tab on myCentral®.

Celebrating Relationships!

We are proud to recognize these agency partners and the valued relationships we

have built with them over their many years with Central!

25 YearsKalmbaugh Insurance Agency Westerville, OH

USI Southwest San Angelo, TX

Standen-Gardner Insurance Agency Inc. Elyria, OH

Central Carolina Insurance Agency Inc. Salisbury, NC

10 YearsFleming & Riles Insurance Albany, GA

Brown & Brown of New Mexico Inc. Albuquerque, NM

Crossroads Consulting & Brokerage Inc. Table Grove, IL

Randy House & Associates Inc. Benton, IL

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B

FYI…

Is your digital presence up to par? Take a moment to

review your agency website, Facebook page, and blog. Do you

have other social channels too? That’s great! But if that first ques-

tion makes you a little uneasy, don’t worry; we’ve got some great news!

Big “I” agents can now request a free “digital review” of their website and

social pages. A Trusted Choice® staff member will provide a one-on-one consultation including:

1. 15-30 minute telephone or Skypeconversation

2. Written assessment

3. Content services referrals

4. Follow-up conversation

It’s easy to request a free digital review of your website or social channels. Simply send an e-mail to Patrice Nickols (patrice.nickols@iiaba.net) for a social media re-view or Kiescha Cherry (kiescha.cherry@iiaba.net) for a website review.

In today’s world, consumers crave ease-of-access and continually look to the Web to find answers. It’s imperative you maintain at least an agency website but it’s becom-ing increasingly important to establish accounts on social outlets like Facebook, Twitter, or a blog. We know you’re busy, which is why Central creates and posts content that’s intended for your policyholders or potential customers. We want you to share our content right there on your own pages!

For additional information on how to build and maintain your digital presence, visit our “Social Media & Your Agency” webpage under the “Agency Info” menu on Agents Access.

“Digital Checkup.” IA Magazine Feb. 2016: 60.

Out With the Old, In With the New!

Effective April 1, 2016, Central ad-opted the ISO 2013 Commercial Auto changes. There is a laundry

list of changes that are taking place, but most of them involve the conversion of the old Garage Policy to the new Auto Dealers Policy.

To emphasize a prior qualifying rule that only auto and trailer dealers are to be written on a garage policy, the form has appropriately been renamed the Auto Dealers Coverage Form. Many coverages have been added with this change, mak-ing it much more comprehensive than prior versions. It now includes many GL-type coverages that are included in the ISO Commercial General Liability Form (ex: Personal & Advertising Injury, Host Liquor Liability, Incidental Medical Malpractice). Most of these coverages were available with the old forms, but had to be added à la carte.

One item that is brand new to the Auto Dealer Coverage Form is coverage for Acts, Errors or Omissions Liability. Central previously used proprietary forms for these coverages, but now most are included in ISO’s core form. We have updated all of our proprietary auto enhancement forms to contem-plate the ISO changes, and have taken

the opportunity to add some additional enhancements. Our auto related en-hancement forms are:

• The BAP Plus

• The Auto Dealers Plus (this re-places the old Garage Plus)

Few carriers in the industry have ad-opted this ISO change. Given the many broadenings of coverage, we hope this gives you the competitive edge needed to acquire and retain quality commercial auto business.

What is the best part about this change? We are not taking any rate changes based solely on this upgrade. We’re pro-viding you and your clients with broader coverage for no change in price!

And as a friendly reminder, did you know we write monoline auto? Because we value our agency relationships, we offer a monoline auto market for those that have a proven track record in com-mercial lines production and profit. For operations other than Vehicle Service, Restaurants, Self-Storage, and Heavy Industrials, we are open to writing the commercial auto policy as monoline if we are not able to write the other lines. These are subject to underwriting review and acceptability.

Contact your marketing manager or underwriter today about quoting new commercial auto business with Central!

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