24-25 Coastal Proposal

INSURANCE PROPOSAL Prepared for: Coastal Protection, Inc.

WHO WE ARE + Since our beginning in 1952, we’ve held true to our core purpose of leading complex businesses into safety and security. For us here at Snellings Walters, that means being more than just your insurance advisors. It means being your insurance advocates, digging deeper than surface level to find solutions that will lead to better outcomes. AUTHENTIC ACCOUNTABLE CURIOUS ENGAGED Values should be more than just words on a wall. They should be visible in all that you do. We’re proud to say that every-one of our employees’ lives these out every day. We lead to inspire confidence, so your potential is unleashed. We aren’t here to just provide services, but to give powerful advice that will help you control your outcomes. 10/22/24 Page 2 of 25

SERVICE TEAM + WAYNE DEAN Partner Phone: (706) 207-3393 Email: wdean@snellingswalters.com + Why Wayne does what he does: He enjoys the relationships he has built, and the motivation to help his clients grow their businesses. Wayne specializes in designing and placing commercial insurance programs, which includes Cyber liability, Professional Errors and Omissions, Commercial Auto, Commercial Umbrella, Workers Compensation, Employment Practices Liability, and Captives. His role is to help improve employee productivity, business valuations, and EBITDA through innovative solutions and strategies. Wayne began his insurance career in 2003 as a producer in Georgia. Wayne graduated from Augusta State University, where he played college baseball. He grew up in Athens, GA and attended Clarke Central High School. Wayne and his wife, Kelli, have two beautiful girls, Avery and Kendall, and currently make their home in Athens. They are both huge UGA fans and members of Athens First United Methodist Church. Wayne enjoys golf, outdoor activities on the water, and traveling with the family. + BRIAN ROBINSON Sr. Client Executive Phone: (404) 232-5067 Email: brobinson@snellingswalters.com + Why Brian does what he does: To serve and encourage his family and others. Brian is responsible for directing the insurance carrier placement activities and servicing clients. In this role, he collaborates with clients and insurance carrier underwriting leaders to design risk management/insurance programs and services that align with Snellings Walters Insurance Agency clients and prospective clients. This allows him to use his passion for serving others to insure they have a comprehensive risk management/insurance program that will protect the client, their business, and their employees. Brian is married to Angela and has three children. He lives on a lake so you will find Brian on his boat fishing; he also enjoys cooking and trying new recipes. Brian attended Auburn University of Montgomery while he served in the Air Force as a security police specialist. He earned the Certified Authority on Works Comp (CAWC) designation in 2016 and his Certified Insurance Counselor CIC designation in 2023. 10/22/24 Page 3 of 25

MEETING OBJECTIVES How can we make this time meaningful for you today? 10/22/24 Page 4 of 25

TABLE OF CONTENTS Who We Are 2 Service Team 3 Meeting Objectives 4 Table Of Contents 5 Premium Summary 6 Marketing Summary 8 Named Insureds 9 General Liability 10 Commercial Umbrella 12 Commercial Auto 14 Cyber Liability 17 Employment Related Practices 20 Crime 21 Other Available Coverages 22 Feedback for SWIA 24 THIS DOCUMENT SUMMARIZES THE PROPOSAL FOR YOUR INSURANCE AND IS NOT A COMPLETE LIST OF EVERY FORM/ENDORSEMENT/EXCLUSION INCLUDED WITHIN THE POLICY. THIS IS NOT A CONTRACT. THE TERMS OF THE POLICY FORMS WILL CONTROL THE INSURANCE CONTRACT WITHOUT REGARD TO ANY STATEMENT MADE IN THE PROPOSAL. 10/22/24 Page 5 of 25

PREMIUM SUMMARY Premium (Not Being a Premium Description of Coverage Member) (Being a Member Carrier General Liability $15,006.99 $13,150.20 Lloyd’s of London Commercial Umbrella $8,009.36 $6,674.85 Lloyd’s of London Commercial Auto $89,147.00 $89,147.00 Clear Blue Ins. Cyber Liability $2,340.45 $2,340.45 Tokio Marine HCC Employment Related Practices $2,294.00 $2,294.00 Cincinnati Insurance Premium Total $116,797.80 $113,606.50 Billing / Audit Information Description Selection General Liability - Billing Annual pay or Premium Financed General Liability – Audit Annual Commercial Umbrella - Billing Annual pay or Premium Financed Commercial Auto - Billing Annual pay or Premium Financed Cyber Liability - Billing Annual pay or Premium Financed Employment Related Practices - Billing Direct Bill Quarterly Conditions / Subjectivities • General Liability o 3 Years Loss History o Active ESA Membership to receive discounted rate o Copy of Contract o Joinder Agreements o SL Disclosure and Acknowledgement Form - Signed by the Insured • Auto o All vehicles must be equipped with forward facing cameras. The forward facing cameras must be installed within 30 days of the effective date. The Insured can select its own cameras and comply with this Quote Condition by providing their QEO Loss Control Representative proof of purchase, provider name, or pictures of the installed cameras. The Insured can also select to obtain cameras at a substantially reduced rate through Motive. If the Insured selects Motive, they will sign a two year contract and will then receive a check out link from Motive to bill them $35.00 per month/ per camera. Please see attached documents for additional details within the QEO Fleet Guardian Program Flyer and to select a qualified camera implementation option on the Dash Cam Confirmation Form. If this condition is not complied with, the policy is subject to cancellation. o Continuation of coverage is contingent upon an effective risk control review of the insured's venture within 60 days from the time of binding. A QEO Risk Control Consultant will contact the insured and request a meeting after the policy is bound. Essential risk control 10/22/24 Page 6 of 25

recommendations or driver safety programs (if applicable) should be applied within 30 days of the review to maintain coverage. o Current MVR is required on all drivers including new and replacement drivers. Subject to acceptable MVRs on all listed drivers. The agent will be notified if any drivers are not acceptable for QEO's program o Driver requirement for all units: MAXIMUM AGE 72 unless pre-approved by underwriter o Driver requirement for light, medium and private passenger units: MINIMUM AGE 21 o Drivers must have a minimum of 2 years of experience driving equipment of a similar type, configuration and GVW o Signed and dated ACORD application o Signed and dated PIP selection/rejection form o Signed and dated Uninsured Motorist selection/rejection form o Subject to phone call with agent, insured, and underwriting within 5 days of binding to review QEO's claims reporting requirements o New drivers must be prior approved by underwriter o Addition of any equipment 15 years or older (model year 2010 and older) to policy requires prior approval of underwriter. Photographs required (front/back; both sides; interior), said photographs must demonstrate the equipment is in good condition o Subject to receipt of currently valued loss runs • Cyber o A completed TMHCC NetGuard New Business Application (NGPNBOA-62023), · signed and dated no more than 45 days prior to the proposed effective date. Other cyber new business applications are acceptable if they contain the following: revenues, records, and a cyber claims question covering the last 3 years. • EPLI o Will need 5 years loss runs showing no losses o New business app completed and signed in order to bind coverage 10/22/24 Page 7 of 25

MARKETING SUMMARY Carrier Result Notes Travelers Declined Due to Class of business and state of FL Intact Declined Due to amount of installation on preexisting home Hartford Declined No Longer writing in FL for this class of business 10/22/24 Page 8 of 25

NAMED INSUREDS d lla e e t r o a b y l m ilit y ut Re b t A t ili l n l U ia a b i e ia c s c l L ia r m r a L ce e r r oy i m e e pl n b mme act m e y o m r o Named Insured G C C E P C        Coastal Protection, Inc. Location Schedule Loc Bldg Address 1 1 3906 US Hwy 98 W, Units 25, 26 and 27, Office Sales And Banks Santa Rosa Beach, FL 32459 1 2 3906 US Hwy 98 W, Units 25, 26 and 27, Office Sales And Banks Santa Rosa Beach, FL 32459 10/22/24 Page 9 of 25

GENERAL LIABILITY Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Lloyd’s of London Policy Dates Policy Number 10/29/2024 to 10/29/2025 TBD Coverage Detail Description Limits Per Occurrence $1,000,000 Professional Liability $1,000,000 General Aggregate $2,000,000 Products & Completed Operations Aggregate $2,000,000 Personal and Advertising Injury Aggregate $1,000,000 Fire Damage Liability $100,000 Medical Expense Each Claim $10,000 Cyber Aggregate (Claims Made) $100,000 Lost Key $5,000 Property Damage Deductible - Per Occurrence $1,000 Bodily Injury Deductible - Per Occurrence $1,000 Schedule of Hazards Loc Bldg Class Premium Based Premium Code Classification On Rate Basis 1 1 3906 US Hwy 98 W, Units 25, 26 and 27, Santa Rosa Beach, Florida 32459 54202 Technology Industries Gross Sales $2.47 $4,800,000 10/22/24 Page 10 of 25

Forms & Endorsements Certificate NMA 2868 SLC-3 (USA) Coverage Part Declarations BP SARPG 004 02 24 Schedule of Forms & Endorsements BP SARPG 003 02 24 Commercial General Liability Coverage Form SARPG-GL-02-17 Common Policy Conditions IL 00 17 11 98 Additional Insured – Owners, Lessees or Contractors – Automatic Status when Required in Construction Agreement with You CG 20 33 04 13 Additional Insured - Owners, Lessees or Contractors - Completed Operations CG 20 37 04 13 Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization CG 20 10 04 13 Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) CG 24 04 12 19 Addition of Fire Damage Limit Coverage SARPG-CGL-PL FD 02 17 Addition of Professional Liability Coverage and Amendment of Limits of Insurance Amendatory Endorsement SARPG-PL 02 17 Cancellation by Us CG 02 12 11 85 Care, Custody and Control Enhancement SARPG-CGL-PL CCC 07 16 Lost Key Liability Amendatory Endorsement SARPG-CGL-PL LKL 07 16 Primary and Non-Contributory Endorsement SARPG-CGL-PNC 07 14 Florida Surplus Lines Notice (Rates and Forms) LMA 9038 Florida Surplus Lines Notice (Guaranty Act) LMA 9037 Applicable Law (U.S.A.) LMA5021 Biological or Chemical Materials Exclusion NMA2962 Lloyd's Privacy Policy Statement LSW1135B Nuclear Incident Exclusion Clause-Liability-Direct (Broad) (U.S.A.) NMA1256 Radioactive Contamination Exclusion Clause – Physical Damage – Direct NMA1191 Sanctions Limitation Clause LMA3100A Service of Suit Clause (USA) LMA5020 Several Liability Notice LSW1001 U.S. Terrorism Risk Insurance Act of 2002 as Amended Not Purchased Clause LMA5390 Exclusion – Access or Disclosure of Confidential or Personal Information and Data-Related Liability – Limited Bodily Injury Exception Not Included CG 33 59 05 14 Employment-Related Practices Exclusion CG 21 47 12 07 Fungi or Bacteria Exclusion CG 21 67 12 04 Communicable Disease Exclusion LMA5396 Perfluorinated Compounds, Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) Exclusion No. 2 LMA5596A War and Civil War Exclusion NMA464 War and Terrorism Exclusion Endorsement NMA2918 Asbestos and Silica Exclusion SARPG-CGL-PL ASB SIL 07 16 Exclusion – Armed Guard Services SARPG-CGL-PL AG 07 16 Exclusion-AMPS Based Cellular Alarm Communication Systems SARPG-CGL-PL AMPS 07 16 Punitive Damages Exclusion SARPG-CGL-PL PDE 07 16 Participation Schedule BP SARPG 001 02 24 Beazley Breach Response Declarations Page F00654 072019 ed. Beazley Breach Response Policy F00653 112017 ed. Catastrophic First Party Loss Amendatory Endorsement E15628 012023 ed. First Party Loss Exclusion Amendatory Endorsement E15627 012023 ed. War and Cyber War Exclusion E15626 012023 ed. Participation Schedule BP SARPG 002 02 24 Note: This forms list may not be a complete listing as additional state and carrier required forms may be applicable to this account. 10/22/24 Page 11 of 25

COMMERCIAL UMBRELLA Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Lloyds of London Policy Dates Policy Number 10/29/2024 to 10/29/2025 TBD Coverage Detail Description Limits Per Occurrence $2,000,000 Annual Aggregate Limit $2,000,000 Retained Limit $10,000 Underlying Coverages Policy Type Carrier / Policy # Policy Period Limits General Liability Lloyds of London / 10/29/24 to 10/29/25 Each Occurrence $1,000,000 General Aggregate $2,000,000 Products & Comp Ops $2,000,000 Pers & Adv Injury $1,000,000 Forms & Endorsements Certificate NMA 2868 SLC-3 (USA) Coverage Part Declarations BP SARPG 005 02 24 Schedule of Underlying Insurances BP SARPG 006 02 24 Schedule of Forms & Endorsements BP SARPG 003 02 24 Commercial General Liability Umbrella Coverage Form SARPG-CU-07 12 16 Common Policy Conditions IL 00 17 11 98 Non-Concurrency of Policy Periods - Retained Limit CU 24 37 12 05 Florida Surplus Lines Notice (Guaranty Act) LMA 9037 Florida Surplus Lines Notice (Rates and Forms) LMA 9038 Applicable Law (U.S.A.) LMA5021 Biological or Chemical Materials Exclusion NMA2962 Lloyd's Privacy Policy Statement LSW1135B Nuclear Incident Exclusion Clause-Liability-Direct (Broad) (U.S.A.) NMA1256 Radioactive Contamination Exclusion Clause – Physical Damage – Direct NMA1191 Sanctions Limitation Clause LMA3100A Addition of Professional Liability Coverage and Amendment of Limits of Insurance SARPG-CU-EO 06 07 Noncontributory – Other Insurance Condition CU 24 78 11 16 Service of Suit Clause (USA) LMA5020 Several Liability Notice LSW1001 U.S. Terrorism Risk Insurance Act of 2002 as Amended Not Purchased Clause LMA5390 Communicable Disease Exclusion LMA5396 10/22/24 Page 12 of 25

Waiver of Transfer of Rights of Recovery Against Others to Us CU 24 03 09 00 Additional Insured - Owners, Lessees or Contractors - Completed Operations CG 20 37 04 13 Perfluorinated Compounds, Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) Exclusion No. 2 LMA5596A Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization CG 20 10 04 13 War and Civil War Exclusion NMA464 War and Terrorism Exclusion Endorsement NMA2918 Participation Schedule BP SARPG 001 02 24 Note: This forms list may not be a complete listing as additional state and carrier required forms may be applicable to this account 10/22/24 Page 13 of 25

COMMERCIAL AUTO Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Clear Blue Insurance Company Policy Dates Policy Number 10/29/2024 to 10/29/2025 TBD Coverage Detail Description Symbols* Limits Auto Liability – Combined Single Limit 7,8,9 $1,000,000 Personal Injury Protection 7 $10,000 Medical Payments 7 $5,000 Uninsured Motorists - Each Accident 7 $20,000 Hired / Borrowed Auto Liability Included Non-owned Auto Liability Included Comprehensive Deductible 7 $1,000 Collision Deductible 7 $1,000 *Symbol Definition (1) Any Auto (4) Owned Autos (7) Autos Other Than Private Passenger Specified On Schedule (2) All Owned Autos (5) All Owned Autos (8) Hired Autos Requiring No-Fault Coverage (3) Owned Private Passenger (6) Owned Autos (9) Non-Owned Autos Autos Subject To Compulsory U.M. Law o Blanket additional insured endorsement included o Blanket waiver of subrogation included o We will require a copy of the contract between the entity and the insured that requires the insured to include primary & non-contributory 10/22/24 Page 14 of 25

Vehicles Med Comp Coll No Vehicle Liab PIP Pay UM Ded Ded 1 2021 Nissan Nv 2500 Tall • • • • $1,000 $1,000 1N6BF0LY3MN800662 2 2019 Nissan Nv 2500 Tall • • • • $1,000 $1,000 1N6BF0LY1KN809258 3 2021 Nissan Nv 1500 Low • • • • $1,000 $1,000 1N6BF0KM6MN807166 4 2022 Ram Promaster 2500 • • • • $1,000 $1,000 3C6LRVDG0NE119356 5 2022 Ram Promaster City • • • • $1,000 $1,000 ZFBHRFAB1N6W97049 6 2023 Ram Promaster 2500 • • • • $1,000 $1,000 3C6LRVDG6PE553459 7 2022 Ram Promaster City • • • • $1,000 $1,000 ZFBHRFAB9N6Y70736 8 2016 Ford Transit 150-Low • • • • $1,000 $1,000 1FTYE1ZM8GKA19779 9 2014 Nissan Nv 200 • • • • $1,000 $1,000 3N6CM0KNXEK699242 10 2014 Nissan Nv 200 • • • • $1,000 $1,000 3N6CM0KNXEK699502 11 2015 Ford Transit-250 Tall • • • • $1,000 $1,000 1FTNR2XM7FKA25054 12 2015 Ford Transit 250-Mid • • • • $1,000 $1,000 1FTNR2CM2FKA22553 13 2016 Ford Transit Connect Xl • • • • $1,000 $1,000 NM0LS7E76G1288548 Driver List Date of License Drive Other No Name Birth Number Car 1 Travis Miller On File On File Not Provided 2 Christopher Jordan Futral On File On File Not Provided 3 Joshua Andrews On File On File Not Provided 4 James "Jimmy" McCormick On File On File Not Provided 5 Brian Milligan On File On File Not Provided 6 Christopher Tate On File On File Not Provided 7 Pascal "Pat" Pearson On File On File Not Provided 8 Brandon Blyden On File On File Not Provided 9 Bailey Head On File On File Not Provided 10/22/24 Page 15 of 25

Forms & Endorsements Auto - BUSINESS AUTO DECLARATIONS - CADS 03-1 02/04 Auto - BUSINESS AUTO COVERAGE FORM - CA 00 01 03 06 Auto - FLORIDA CHANGES - CA 01 28 03 09 Auto - FLORIDA CHANGES - CANCELLATION AND NONRENEWAL - CA 02 67 11 12 Auto - PRIMARY AND NONCONTRIBUTORY – OTHER INSURANCE CONDITION - CA 04 49 11 16 Auto - FLORIDA PUBLIC OR LIVERY PASSENGER CONVEYANCE, TRANSPORTATION NETWORK AND ON- DEMAND DELIVERY SERVICES EXCLUSION - CA 05 04 08 18 Auto - FLORIDA UNINSURED MOTORISTS COVERAGE - NONSTACKED - CA 21 72 10 09 Auto - FLORIDA PERSONAL INJURY PROTECTION - CA 22 10 01 13 Auto - AUTO MEDICAL PAYMENTS COVERAGE - CA 99 03 03 06 Auto - LOSS PAYABLE CLAUSE - CA 99 44 12 93 Auto - ADDITIONAL INSURED ENDORSEMENT - Q ADLIN-B 08 14 Auto - PUNITIVE DAMAGE EXCLUSION - Q PED200-A 08 14 Auto - COMMERCIAL AUTO TOWING ENDORSEMENT - Q TOWBAMC 6 20 Auto - WAIVER OF SUBROGATION ENDORSEMENT - Q WAIVER-B 0814 Commercial Package - PRIVACY STATEMENT - CBIC - Q PRV CBIC Commercial Package - COMMON POLICY CONDITIONS - IL 00 17 11 98 Commercial Package - NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) - IL 00 21 09 08 Commercial Package - OFAC - U S TREASURY DEPARTMENT OFFICE OF FOREIGN ASSETS CONTROL - IL P 001 01 04 Commercial Package - COMMON POLICY DECLARATIONS - IL DS 00 09 08 10/22/24 Page 16 of 25

CYBER LIABILITY Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Tokio Marine HCC Policy Dates Policy Number 10/29/2024 to 10/29/2025 TBD Coverage Detail Maximum Policy Aggregate Limit $1M LIMITS PER INSURING AGREEMENT “NIL” or “N/A” indicates that the Coverage is not included in the quoted premium and that portion of the Policy will not apply. Third Party Liability Insuring Agreements (Claims Made and Reported Coverage) Multimedia Liability Coverage $1M/$1M Security and Privacy Liability Coverage $1M/$1M Privacy Regulatory Defense and Penalties Coverage $1M/$1M PCI DSS Liability Coverage $1M/$1M Bodily Injury Liability Coverage $250K/$250K Property Damage Liability Coverage $50K/$50K TCPA Defense Coverage $50K/$50K First Party Insuring Agreements (Event Discovered and Reported Coverage) Breach Event Costs Coverage $1M/$1M Post Breach Remediation Costs Coverage $25K/$25K BrandGuard# Coverage $1M/$1M System Failure Coverage $1M/$1M Dependent System Failure Coverage $1M/$1M Cyber Extortion Coverage $1M/$1M Cyber Crime Coverage A. Financial Fraud Sublimit $250K/$250K B. B. Telecommunications and Utilities Fraud Sublimit $250K/$250K C. C. Phishing Fraud Sublimits a. Your Phishing Fraud Loss Sublimit $250K/$250K b. Client Phishing Fraud Loss Sublimit $250K/$250K c. Phishing Fraud Aggregate Sublimit (C.1. & C. 2 combined) $100K $250K Cyber Crime Aggregate Limit (A., B., & C. combined) $100K $250K Bricking Loss Coverage $1M/$1M Property Damage Loss Coverage $50K/$50K Reward Expenses Coverage $50K/$50K Court Attendance Costs Coverage $25K/$25K Additional Defense Costs Limit: $1M (Not applicable to Bodily Injury Liability, Property Damage Liability or TCPA Defense Coverage) Breach Event Costs Outside the Limit Enhancement: INCLUDED 10/22/24 Page 17 of 25

Aggregate Deductible $3,000 DEDUCTIBLE PER INSURING AGREEMENT Deductibles shown below apply to each claim Multimedia Liability Coverage $1,000 Security and Privacy Liability Coverage $1,000 Privacy Regulatory Defense and Penalties Coverage $1,000 PCI DSS Liability Coverage $1,000 Bodily Injury Liability Coverage $1,000 Property Damage Liability Coverage $1,000 TCPA Defense Coverage $1,000 Breach Event Costs Coverage $1,000 Post Breach Remediation Costs Coverage $1,000 BrandGuard# Coverage Waiting Period 2 weeks Period of Indemnity 12 months System Failure Coverage A. Data Recovery Deductible $1,000 B. Non-Physical Business Interruption Waiting Period 8 hours Period of Restoration 12 months Cyber Extortion Coverage $1,000 Cyber Crime Coverage $1,000 Bricking Loss Coverage $1,000 Property Damage Loss Coverage $1,000 Reward Expenses Coverage $1,000 Court Attendance Costs Coverage None TERMS AND CONDITIONS Third Party Liability Coverage provided on a claims-made and reported basis. First Party Coverage provided on an event discovered and reported basis. If coverage is bound, the Applicant consents to periodic non-intrusive scans of the Applicant's internet- facing systems/applications for common vulnerabilities. The individual responsible for the Applicant's network security, as designated on the Application for this insurance, will receive direct communications 10/22/24 Page 18 of 25

from the Insurer and/or its representatives regarding the results of such scans and any potentially urgent security issues identified in relation to the Applicant's organization. 10/22/24 Page 19 of 25

EMPLOYMENT RELATED PRACTICES Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Cincinnati Insurance Co Policy Dates Policy Number 10/29/2024 to 10/29/2025 Coverage Detail 10/22/24 Page 20 of 25

CRIME Named Insured Carrier / A.M. Best Rating Coastal Protection, Inc. Cincinnati Insurance Co Policy Dates Policy Number 10/29/2024 to 10/29/2025 Coverage Detail 10/22/24 Page 21 of 25

OTHER AVAILABLE COVERAGES These coverages are currently not included or not provided, but we recommend you Consider. COVERAGE DESCRIPTION PROPERTY Replacement and/or repair for Business property lost or destroyed by fire, lightning, windstorm, vandalism, theft, or other natural acts. FLOOD/EARTHQUAKE Provides property coverage for losses caused by flood (including mudslide) and earthquake, tremors, or other earth movement (does not include sinkhole). BUSINESS INCOME & Covers loss of net income plus continuing expenses including necessary payroll EXTRA EXPENSE caused by or during a covered loss. Extra Expense covers additional expenses or costs to reduce the Business Income loss. A Business Income worksheet should be completed to determine adequate limits. INLAND MARINE / Includes coverage for portable and/or technical equipment along with certain EQUIPMENT FLOATER office inventory; can include leased/rented equipment. EQUIPMENT BREAKDOWN Provides physical damage coverage caused by sudden/accidental explosions, aka BOILER/MACHINERY arcing and other “breakdowns” of boiler, machinery, and electrical equipment. DRIVE OTHER CAR Provides Personal Auto Liability to named individuals who do not have a personal auto policy of their own (typically for owners, officers, and directors). DIRECTORS/OFFICERS Provides defense and settlement to protect officers and directors of an LIABILITY organization against damages from claims resulting from alleged negligent or wrongful acts. TRUSTEE/FIDUCIARY Liability protection for those who administer pension and welfare funds, profit- LIABLITY sharing, or other benefit programs against loss by errors or omissions. WORKERS COMPENSATION/ Provides the coverage mandated by the state or federal coverage for EMPLOYERS LIABILITY employers (based on number of employees) to provide for employees injured on the job. EMPLOYERS LIABILITY Provides Employer Liability coverage in those state-controlled work comp STOP-GAP COVERAGE programs that do not include employers’ liability coverage (OH, WY, ND, and WA). MONOPOLISTIC WORKERS If you have employees in these states, the employer is required to purchase COMPENSATION: Workers Compensation directly with the state and therefore coverage is not ND, WY, WA, OH provided under your workers compensation policy with us. UMBRELLA / EXCESS Provides additional liability coverage above those limits afforded by underlying LIABILITY coverage. Typically sits excess over general liability, auto liability, and employer’s liability coverage. Higher Limits are Available. POLLUTION COVERAGE Provides coverage for costs related to pollutants – sudden and accidental release of hazardous materials. Typical coverage includes cleanup and restoration as well as your liability for injury and death resulting from a Pollution occurrence. The policy can be issued to cover your premises, other’s premises, ‘over the road’, or for a specific job. PRODUCT RECALL Provides coverage for expenses associated with recalling a product from the market. Product recall insurance is typically purchased by manufacturers to cover costs such as customer notification, shipping costs, and disposal costs. 10/22/24 Page 22 of 25

COVERAGE DESCRIPTION CREDIT INSURANCE Credit Insurance should be considered when transacting with vendors overseas (ACCOUNTS RECEIVABLE) as well as here domestically. Credit Insurance reimburses bad debt losses from insolvency and bankruptcy situations. TRAVEL ACCIDENT Travel Accident Insurance provides accidental death and dismemberment benefits for employees while traveling abroad on company business, at the work site during their job, or on a 24-hour basis for employees. Coverage for War Risk and Political Evacuation may be available. 10/22/24 Page 23 of 25

FEEDBACK FOR SWIA Please share any input you have for our team. 10/22/24 Page 24 of 25