Stillwater and Agents: Charting a Course to Mutual and Profitable Growth

CHARTING A COURSE TO MUTUAL, PROFITABLE GROWTH

WHEN IT COMES TO PROVIDING YOUR CUSTOMERS WITH PROTECTION FOR THEIR MOST VALUABLE ASSETS, AND SERVICE DESIGNED TO DELIGHT, YOUR COMPASS WILL POINT YOU TO JUST ONE COMPANY… STILLWATER INSURANCE GROUP

We understand risk, and the needs of agents, brokers and policyholders. We value the trusted advice you provide your customers. We deliver calm to policyholders when they need us most.

From leadership to product development to pricing to customer service to claims - everything we do is designed to deliver products and services from a company that is Smart, Fast and Strong.

Our Vision is to be the most respected insurance provider in the U.S. We’ll get there by delivering on these three pillars of our Mission: • Providing you property/casualty products with features, benefits and pricing for your best customers • Setting and achieving the highest standards in customer service, and claims satisfaction • Continuing innovation in product development delivery and service

“ My experience with Stillwater is customer service that’s delivered in a prompt, professional, courteous and personable manner.

I can’t say enough about how much I enjoy working with them.”

Canyon State Insurance Services, Arizona

You want a market you can rely on. One that has technology that complements your workflow. One that pays you fairly. One that you can be proud to partner with.

• Our “A-” (Excellent) rating from A.M. Best, the leading insurance industry rating authority, means we’re here for you today and we’ll be here tomorrow • Our Better Business Bureau Accreditation means we work to build trust, tell the truth, be transparent, honor promises, be responsive, safeguard privacy, and embody integrity. It also means we advertise honestly • Our leadership team is dedicated to your success with an average tenure of 25 years in property/casualty insurance experience • Straightforward, transparent Underwriting is a guiding principle. We’ll clearly tell you what we accept and what we don’t • To help you sell—and grow—faster, our FIRST platform provides an easy, accurate quote and fast policy issuance • Our reputation is built, in part, on our responsiveness to your needs. We listen.

If you have an idea to share, or a question you’d like answered, call, CHAT or email us. We’re here to build solid partnerships that are mutually beneficial

Your customers want products and services that are easy to use and understand and pricing that is competitive and dependable.

• Our pricing is refined and accurate, but most of all stable and competitive for your best customers • Segmentation is developed using a deep understanding of products, our competitiveness and market conditions • Customer Service is delivered by licensed product experts at our three regional Service Centers via phone, email, online and CHAT • Around-the-clock Claims Service lets you enjoy peace of mind, and delivers the things most important in the event of a claim: Fast response, knowledgeable and empathic handling, and fast payments

“ I have never experienced the kind of prompt, friendly and efficient service as I received today from your customer service rep. Thanks for making my day and making me feel like I matter to your company.”

Roger, New York

“ I wanted to express my appreciation for the excellent service your company provided me. It’s rare these days to find a company that goes to such great lengths to satisfy its customers. I hope your success will show others that old fashioned hard work, consideration and respect for customers are rewarded.”

Ingrid, California

Product Highlights Home (Homeowners, Condo and Renters):

Umbrella:

• In addition to covering the residence and contents, optional coverages include Extended Replacement Cost, Identity Theft Expense Recoupment, Scheduled Personal Property, Water Back-Up and Personal Injury

• $1-5 million liability can be added for very

• Discounts include New Home, Newly Acquired Home, Accredited Builder, Multi Policy, Age of Insured, Marital Status and Claim-Free • Deductible options let you and your customers make the choices that are best for them

CA Earthquake: • Deductibles as low as 5% in some areas • Basic and Comprehensive EQ coverage options available • Policies include coverage to upgrade your customer’s dwelling to accommodate new residential building code standards • Policies available for single family homes and condos

little cost • Can be written as a stand-alone product • Covers policyholder and family members living in their home

Auto: • Best in class quoting system—get a quote in less than 2 minutes • Fully integrated with all the top comparative raters • Numerous discounts for safer drivers and customers with multiple vehicles or policies insured with the company

Commercial: • Fast and easy to quote and bind—just four minutes • We deliver a competitive price for a majority of your business customers

Landlord: • Excellent coverages for the sophisticated, risk-sharing multi-location investor • Coverage is available to property owners who might not be well suited for a regular homeowner’s policy

Coverages and discounts may not be available in all states or situations.

“ Stillwater stands head and shoulders above the rest of our carriers. You are quick and responsive and pleasant on the phone.”

Rocky Mountain West Insurance, Colorado

Our commitment to you: • Partner with you, ensuring your needs are met and exceeded while building long-term, mutually beneficial relationships • Provide stable, easy-to-sell products that help you meet your customers’ needs and help you grow • Pay commissions that convey our respect for the expert guidance and advice you provide • Keep the sales process easy and accurate using technology that works, is fast, and complements your workflow • Manage our business, ensuring a solid financial stability rating that provides everyone with peace of mind

Our commitment to your customers: • Provide market-leading products • Ensure stable pricing over time • Deliver on our promise to be there

For an appointment with Stillwater Insurance Group, call 866-663-7129, email agent.appointments@stillwater.com or visit the “Agent Appointment” page on stillwater.com (link found on the “About Us” page under Agent Appointment).

About Stillwater Stillwater Insurance Group is a national insurance provider offering a full suite of insurance products and services. We strive to be the most respected insurance provider in the United States by setting and achieving the highest standards in quality products, service, customer experience and claims satisfaction.

Stillwater is: Smart—We meet your evolving needs for homeowners, auto and business insurance Fast—We exceed your expectations for customer and claims service Strong—We’re ready when you need us, and help you get back on your feet We have an A+ accreditation from the Better Business Bureau. This recognizes our commitment to transparency, responsiveness, integrity and delivering on the promises we make. And we have an “A-” (Excellent) rating from A.M. Best, the leading insurance rating organization.

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