Presented by: Michael P. Natzel

525 East Broadway

Mount Pleasant, MI 48858

989.773.6985 x4257

November 14, 2014

Insurance Proposal for: DeTour Arts and Technology

This proposal will expire on December 17, 2014

This proposal gives an overview of the insurance pr ogram recommended for your business. It presents a general summary of your insurance needs and should not be construed as a legal interpretation of your insurance coverage. Please consult your specific i nsurance policies for details on coverage, conditio ns, and exclusions. Also, in the event that your company m ay enter into a contractual relationship, or curren tly have a contract with another company – please be advised the coverages proposed herein may NOT satisfy the requirements imposed by such contracts.

Servicing Team DeTour Arts and Technology

Michael P “Mick” Natzel Agent

(989) 817-4257mpnatzel@ga-ins.com

Mick entered the insurance industry in 2007, when he joined the General Agency as

a Commercial Lines Agent. Mick is a Central Michigan graduate, holding a Bachelor of

Education degree and currently completing his graduate studies. Mick holds the

Michigan Property and Casualty agents license and maintains a Commercial Lines

Coverage Specialist designation.

Jessica Nerbonne Account Executive

(989) 817-4269jnerbonne@ga-ins.com

Jessica Nerbonne joined the General Agency in 2014 and delivers an exemplary and

professional customer service experience to our customers. As a Commercial Lines

Account Executive, Jessica’s focus includes policy and portfolio management, sales

force assistance, and exposure identification for our customers.

Kelly Switzer , CISR Claims Executive

(989) 817-4260kswitzer@ga-ins.com

Kelly Switzer has been with the General Agency since 1998, a key committee

member in the implementation of the agency’s in house Claims Department where

she continues to work today. Kelly oversees the Claims Department for Commercial

Lines, Personal Lines, and Employee Benefit Departments and also assists customers

with utilization within our Risk Management Center. Kelly holders her Certified

Insurance Service Representative designation with the National Alliance.

Introduction to the Agency Established in 1915, the General Agency Co. is one of the area’s oldest continuous businesses. Often regarded as Central Michigan’s largest independent agency, the General Agency Co. is committed to growth, education, automation and the Independent Insurance Agency System.

We specialize in finding markets for difficult to place commercial risks. We also develop and handle several Group and Association programs. While we can handle complex commercial insurance programs, we also provide the personal service necessary on all types of businesses and personal lines coverage. With over 30 different companies to choose from to cover your personal, commercial or employee benefit needs.

As Independent Agents our principle employer is YOU! Our objective is to provide you with financially sound insurance carriers that feature the best possible coverage, price and service combination available. We are committed to excellent service and to treat you with the respect you deserve.

Location Schedule DeTour Arts and Technology

Loc # Bldg # Address

001 001 202 South Division St � DeTour Village, MI 49725

Property DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Detail Subject

Amount

Val

Co- Ins %

Cause of Loss

Ded

Loc # : 000 Bldg # : 000 Misc Policy Coverages

Property Off Premises & In Transit Earthquake Flood School Prop

$10,000 $150,000 $150,000

RC RC RC RC

Special Eq

Flood Special

$1,000 $5,000 $5,000

Loc # : 001 Bldg # : 001 202 South Division St, DeTour Village, MI 49725/School Building

Business Personal Property $618,000 RC 100 Special $1,000

Additional Coverages Equipment Protection Endorsement – CP7313 Equipment Breakdown Expediting Expenses - $50,000 Hazardous Substances - $50,000 Electrical Generating Equipment - $250,000 Service Interruption – Up to BI Limit Computer Equipment - $50,000 School Property Coverage Form – CP7123 Personal Property – included in BPP limit if within 1,000 ft. of premises Synthetic Athletic Tracks or Surfaces – included in building limit Signs and fences – included in building limit if within 1,000 ft of building Debris Removal - $50,000 Preservation of Property – 30 days Fire Department Service Charge - $25,000 Pollutant Clean-up and Removal - $50,000 Ordinance or Law – included in building limit Electronic Data & Interruption of Computer Operations - $25,000 Collapse – included as a covered peril Limited Coverage for Fungus, Wet Rot, Dry Rot and Bacteria - $15,000 Business Income/Extra Expense – Actual Loss Sustained $1,000,000 Sewer Backup - $100,000 Fire Extinguishing System Recharge – no limit if discharged by accident or to fight fire Spoilage - $50,000 Arson Reward - $25,000 Cost of Taking Inventory $50,000 Legal Liability - $100,000 Utility Services – Direct Damage /Time Element/Utility Supply Services - $100,000 Changes or Extremes in Temperature or Humidity - $15,000 Newly Acquired or Constructed Property

Building - $1,000,000 up to 120 days Business Personal Property - $1,000,000 up to 120 days

Personal Effects and Property of Others - $50,000 Valuable Papers & Records - $200,000 Outdoor Property - $100,000 but not more than $1,000 for any one tree, shrub or plant Non-Owned Detached Trailers - $5,000 Accounts Receivable - $200,000 Monies & Securities - $10,000 Fine Arts - $50,000 Building Foundations & Pilings - $250,000 Underground Fiber Optic Cable - $2,500

Inland Marine DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Electronic Data Processing Equipment - Replacement Cost/Special Perils - Deductible $1,000 Scheduled Equipment

Item # Description Amount of Ins.

001 Hardware $30,000

002 Software $10,000 *Hardware includes Laptops

Additional Coverages EDP Equipment Coverage Form – IM7200 Debris Removal - $10,000 Electrical and Power Supply Disturbance – included as covered peril ($2,500 deductible) Emergency Removal Coverage – 365 days Emergency Removal Expenses - $2,500 Fraud & Deceit - $2,500 Mechanical Breakdown – included ($2,500 deductible) Acquired Locations - $500,000 up to 60 days Earthquake – included as covered peril ($5,000 deductible) Newly Purchased or Leased Hardware - $500,000 up to 60 days Off-Site Computers – up to scheduled hardware & software combined limit Protection & Control Systems - $10,000 Recharge of Fire Extinguishing Equipment - $15,000 Rewards - $2,500 Software Storage - $50,000 Property in Transit - up to scheduled hardware & software combined limit Pollution Cleanup & Removal - $10,000 Virus & Hacking - $25,000 each occurrence; $75,000 annually Income/Extra Expense Extension for Civil Authority – 30 days Income/Extra Expense Period of Loss Extension – 30 days Income/Extra Expense at Acquired Locations - $50,000 up to 60 days Off Premises Utility Service Interruption - $25,000 including overhead transmission lines with 24 hour waiting period Income/Extra Expense for Virus & Hacking - $25,000 each occurrence; $75,000 annually with 24 hour waiting period

General Liability DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 This policy is on an Occurence Form Coverage Detail

Limits of Liability Description

$1,000,000 Per Occurrence

$3,000,000 Annual Aggregate, Other Than Products

$3,000,000 Annual Aggregate, Products & Completed Operations

$1,000,000 Personal And Advertising Injury Aggregate

$100,000 Fire Damage Liability

$5,000 Medical Expense Each Claim

Not Applicable Deductible / Claim

$1,000,000 Employee Benefits Liability Limit

$3,000,000 Employee Benefits Liability Aggregate Limit

$1,000 Employee Benefits Liability Deductible / Claim

Schedule of Hazards

Loc#

Prem Code

Class Code

Classification

Premium Basis

001 Employee 47469 Schools-Faculty Liability for Corporal Punishment of Pupils

5

001 Students 47471 Schools-Public-Kindergarten, Elementary,or Jr High

44

001 Employee 47473 Schools-Public-High 9

001 Flat Charge 87509 Primary Additional Insured If Any

001 Flat Charge 87731 CGL Amendment-Schools If Any

001 Students 87777 Abuse or Molestation Liability 44

001 Students 87818 Violent Event Response Coverage 44

Additional Coverages School Violent Event Response Coverage – CG7614 Each Event Limit - $500,000 Aggregate Limit - $500,000 Each Person Limit - $25,000 CGL Amendment-Schools Endorsement – CG7255 Pollution liability arising out of usual classroom instruction on-premise Non-owned watercraft liability Property damage due to elevator use Removal of contractual liability exclusion for Personal & Advertising Injury Medical Payments coverage extended from 1 year to 3 years Extended Supplementary Payments

Bail Bonds – Up to $3,000 Reasonable Expenses - $350 loss of earnings Attorney Fees - $100,000 per occurrence

Employees providing health care services included as an insured Safety patrol students & their parents are included as an additional insured Leased workers & substitute teachers included in definition of employee Broadened notice of occurrence Mental anguish is included in definition of bodily injury Extended Property Damage – $100,000 for Care, Custody, & Control Mobile equipment exclusion removed for any battery or solar powered vehicles owned by the school & operated by the school or students in school approved events Unintentional failure to disclose exposures Damage to Premises Rented You – limit increased to $300,000 Automatic Additional Insured-Specified Relationships

Commercial Auto DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Detail

Limits Symbol Description

$1,000,000 (8) (9) Liability Combined Single Limit

No_Coverage Uninsured Motorist Coverage

No_Coverage Underinsured Motorist Coverage

No_Coverage Medical Payments

No_Coverage Personal Injury Protection (PIP)

$1,000 CA9941 Mini Tort

Included Non-Owned Auto Liability – Employees

Included Hired & Borrowed Auto Liability

No Coverage Hired Auto Physical Damage – Comprehensive

No Coverage Hired Auto Physical Damage – Collision

No_Coverage Employees as Additional Insured

Symbol Guide (1) Any Auto (2) All Owned Autos (3) Owned Private Passenger Autos (4) Owned Autos Other than Private Passenger (5) All Owned Autos Requiring No-Fault

Coverage (6) Owned Autos Subject to Compulsory Uninsured

Motorist Law (7) Autos Specified on Schedule (8) Hired Autos (9) Non-Owned Autos

Vehicles

Vehicle

Liab

PIP

UM

UIM

Towing

Comp Ded

Coll Ded

NC NC NC NC NC NC NC

NC = No Coverage

Drivers Schedule DeTour Arts and Technology

Name

Date of Birth

State

Drivers License #

Broad PIP

DOC

NC NC

NC = No Coverage Additional Coverages Commercial Auto Amendment Schools Endorsement – CA7 317 Broadened supplementary payments Fellow Employee Inclusion Towing - $100 for private passenger vehicles. $500 for all other vehicles Transportation expense - $75 per day up to $1,000 maximum Waiver of Deductible – Glass Repair or Replacement Personal Auto Physical Damage Recovery – $500 or amount of deductible Personal Property of Others - $1,000 Extended Property Damage Coverage - $100,000 for Care, Custody, or Control Blanket Additional Insured when required by written contract/agreement Broadened Notice of Occurrence Unintentional Failure to Disclose Mental Anguish included in definition of bodily injury Hired Auto Physical Damage - $50,000 Airbag coverage Lease & Loan Gap coverage

Crime / Fidelity DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Detail

Subject Amount Deductible

Employee Theft - Blanket $500,000 $ 500

Clients’ Property $500,000 $500

Forgery or Alteration No_Coverage None

Theft, Disappearance & Destruction Inside the Premises Outside the Premises

No_Coverage No_Coverage

None None

Computer Fraud No_Coverage None

Extortion Insured’s Loss Participation: N/A No_Coverage None

ERISA Plan No_Coverage None

Funds Transfer Fraud No_Coverage None

Additional Coverages (Crime) Include Volunteer Workers as Employees – CR2509 Include Board of Education as Employees – CR7114 Clients’ Property – CR0401

Linebacker – Public Officials Liability & Employment Practices Liability Bradford Academy Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 This is a Claims Made policy with a retroactive date of 11/19/14. Coverage Detail

Limits of Liability Description

$1,000,000 Limit for Each Loss

$3,000,000 Aggregate Limit

$1,000 Deductible

Schedule of Hazards

Classification Premium Exposure

Board Members 5

Employees (not including leased employees) 0

Students 44

Additional Coverages University Authorizer included as additional insured on a primary & non-contributory basis. Board Only Coverage - No Available Extended Reporting Period - 5 yr

Commercial Umbrella DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Detail

Limits Description

$4,000,000 Per Occurrence

$4,000,000 Annual Aggregate Limit

$4,000,000 Personal Advertising & Injury Limit

$10,000 Retained Limit

None Current Retroactive Date

Underlying Coverages

Policy Type Carrier / Policy # Policy Period Limits

Automobile Liability CSL

EMC

11/19/14 - 11/19/15

$1,000,000

General Liability Each Occurrence General Aggregate Products & Comp Ops Pers & Adv Injury Employee Benefits Liability Each Employee Aggregate

EMC

11/19/14 - 11/19/15

$1,000,000 $3,000,000 $3,000,000 $1,000,000

$1,000,000 $3,000,000

Employers Liability Each Accident Disease Policy Limit Disease Each Emp

EMC

11/19/14 - 11/19/15

$1,000,000 $1,000,000 $1,000,000

Linebacker Each Loss Aggregate

EMC

11/19/14 - 11/19/15

$1,000,000 $3,000,000

Workers Compensation / Employers Liability DeTour Arts and Technology Insurance Company: Employers Mutual Casualty Company Proposed Policy Period: November 19, 2014 to November 19, 2015 Coverage Detail

Limits Description

$1,000,000 Employers Liability: Each Accident

$1,000,000 Employers Liability: Disease – Policy Limit

$1,000,000 Employers Liability: Disease – Each Employee

At Expiration Audit Interval

1.00 Experience Mod

Included Workers Compensation: Statutory Benefit

Coverage States: MI Covered Locations

Loc# Address

001 202 Division St, DeTour Village, MI 49725

Classifications

Loc# St Code Description Payroll

001 MI 8868 School Professionals $0

Coverage Extensions / Endorsements WC000322 - Employee Leasing ClientExclusion Endt: DeTour Area Schools Included / Excluded Individuals

Name Title Included Excluded Ownership

None

Premium Summary / Comparison DeTour Arts and Technology Premiums

Line of Business Proposed Premium

Property $507

General Liability $723

Business Auto $365

Inland Marine $165

Crime $585

Workers Compensation $404

Umbrella $2,454

Linebacker $1,816

Total Premium: $7,019 Payment Options

Down Payment Amount

Check Payable to

# of Installments

Installment Amount

$1,403.80 EMC Ins Co 10 $566.52

Market Summary DeTour Arts and Technology Insurer AM Best Rating Financial Size

Category Admitted /

Non-admitted Employers Mutual Casualty Company A(Excellent) XIII Admitted AM Best Financial Strength Ratings Class Description A++, A+ Superior A, A- Excellent B++, B+ Good B, B- Fair C++, C+ Marginal C, C- Weak D Poor E Under Regulatory Supervision F In Liquidation S Suspended Financial Size Category Class Adjusted Policyholders’ Surplus ($ Millions) I Less than 1 II 1 to 2 III 2 to 5 IV 5 to 10 V 10 to 25 VI 25 to 50 VII 50 to 100 VIII 100 to 250 IX 250 to 500 X 500 to 750 XI 750 to 1,000 XII 1,000 to 1,250 XIII 1,250 to 1,500 XIV 1,500 to 2,000 XV 2,000 or greater

Acceptance of Proposal (November 14, 2014) DeTour Arts and Technology Description of Coverage Accepted? Rejected? Electronic Data Processing – Extra Expense limit $7,500 Comments: I agree to and accept this proposal of insurance as quoted, subject to the above changes, if any. I understand that this proposal is a general summary of the insurance offered and should not be construed as a legal interpretation of the insurance coverage being offered. _______________________________________________________ __________ (Client’s Signature) (Date) _______________________________________________________ __________ (Producer’s / Witness’ Signature) (Date)