Partner with the best.

personal linesPortfolio

personal lines

An Equal Employment Opportunity/Affirmative Action Employer©2014 Penn National Insurance Form #92-129 (2.2014)

In 1919, a Pennsylvania farmer’s association founded our company to

provide farm-related workers’ compensation insurance to its members.

Today, we do business in nine states, including a broad variety of

business insurance and personal auto and homeowners insurance.

And, we changed from an agricultural focus to a service-economy

focus. True to our roots, we’re still a mutual insurance company,

which means that we operate for the benefit of our policyholders.

Headquartered in Harrisburg, PA, we are a financially sound company

with an A.M. Best Financial Strength Rating of A- (Excellent).

And we’ve always sold through independent agents, focusing on

helping our agents grow.

Strongtrue to our roots&

Focusedon helping our agents grow

We’re a regional company that delivers our products

only through independent agents. So we’re always

focused on helping our agents grow. From competitive

products and pricing to real-time, fast online quoting.

From attractive commission and profit-sharing programs

to local presence and outstanding claims service.

Our Underwriting Philosophy

Penn National Insurance wishes to maintain a long-term,

stable relationship with the personal lines accounts that you

present to us. Our underwriting philosophy is predicated on

writing and retaining quality risks that consistently produce

profitable results.

Using predictive modeling, our underwriting system applies

a myriad of factors and different characteristics to accurately

and fairly rate auto and homeowners risks in order to capture

a broader market while remaining profitable.

About Us

Winner of: Best Places to Work in Insurance | Best Places to Work in IT | Best Places to Work in PA

We have been told time and time again that it is our people who

set us apart. From the friendly voices of our customer service staff

to the personal visits by our territory managers and underwriters

to the promptness of our claims adjusters, we offer our agents and

customers outstanding service. From our regional offices, we have

local people in place to offer local solutions.

Plus, our agents benefit from the unusually long tenure of our

employees. Our staff stability means that our agents have

developed long-lasting relationships with their territory

managers, underwriters and our executive management team.

Our goal is to delight our customers — both agents and

policyholders — with outstanding service, products and people.

Our people set us apart

Comprehensive coverage at a competitive price.n Medical Payments Coverage pays for injuries

to the insured and passengers.

n Bodily Injury Liability Coverage for injuries to someone else resulting from a crash caused by the insured.

n Property Damage Liability Coverage pays for damage caused to someone else’s car or property in a crash.

n Collision Coverage pays for repairs to the insured’s car after an accident.

n Other-Than-Collision (Comprehensive) Coverage pays for repairs to the insured’s car after damage from something other than a collision.

n Uninsured and Underinsured Motorist Coverage pays medical bills for insured and passengers if a driver without insurance or without enough insurance causes injuries in a crash.

auto

Additional Coverages

We offer a variety of optional coverages that can be purchased for an additional premium.

Auto Loan/LeaseCoverage for the difference between the amount owed on a car loan or lease and what would be paid under a personal automobile insurance policy if car were totaled. Pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

Replacement Cost AutoCovered losses are paid without considering depreciation in the car’s value. Cost would only be the policy deductible. Cars damaged as a result of fire or theft will be covered at actual cash value.

Products

MedicalLiability CollisionComprehensiveUM/UIM

discountsfeatures&

AutoWe reward responsible car owners and good drivers by offering a variety of premium discounts, including discounts for:

n Passive restraints, such as automatic seatbelts and airbags

n Good student discount

n Drivers who have passed an approved driver’s education course

n Multi-car discount

n First accident forgiveness

n Multi-policy discount

n Daytime running lights

n Paid-in-full discount

Because insurance laws are different in every state, we do not offer all discounts in all states.

Preferred Provider RepairThrough our Preferred Repair Program, policy-holders can take their damaged vehicle to one of our preferred repair shops or the repair shop of their choice. The shops in our Preferred Repair Program have a history of completing quality repairs in a timely fashion, and taking care of all the paperwork.

Damaged windshield?We have a dedicated National Glass Claims Hotline – 800.330.3038 – for the fastest service for policyholder’s auto glass cracks or other damage. You have the option of selecting to have their glass repaired using the ProGlass Alliance network with the 20/20 Perfect Guaranty or going to a glass repair shop of their choosing.

The 20/20 Perfect Vision Guaranty provides added protection should a policyholder sustain glass damage to the same part that was replaced within the next 20 months or 20,000 miles of driving. The glass will be repaired or replaced free of charge, with no deductible and no claim filed.

Auto PennPac® EndorsementThis optional, affordable endorsement bundles valuable coverages for extra peace of mind. Auto PennPac includes:

n Pet Coverage $ 500

n Automobile Death Benefit $2,500

n Seat Belt and Restraint Benefit $ 500

When collision and comprehensive coverages are purchased, you also receive:

n Towing and Labor $ 100

n Travel Interruption $ 500

n Locksmith Services $ 100

n Airbag Replacement $2,500

n Personal Effects $ 500

n Non-owned Trailer $2,500

n Sound Equipment $4,000

n Deductible Waivers for Collision:

• Total Vehicle Loss involving third-party vehicle

• Not At-Fault Accident

• Claimant insured with Penn National Insurance

n Deductible Waivers for Collision and Comprehensive:

• When loss involves both of the insured’s Homeowners and Auto policies with us

This is not a policy or binder and does not extend coverage. Please refer to your policy form for conditions and exclusions.

We offer a variety of coverages and

endorsements to meet the needs of 

homeowners and their property.

Available coverages include:

n Personal property located anywhere

in the world (some limits apply)

n Liability coverage for legal

expenses and damages

n Expenses incurred when

damages force family to

temporarily leave home

homeowners

Products

Homeowners

Condo

Renters

Dwelling Fire

Additional ProtectionBoat – Our competitive boat insurance offers you an opportunity to round out accounts for current customers who own or purchase pleasure boats and sailboats. Coverages include physical damage, liability and medical.

Personal Umbrella – Our personal umbrella product offers coverage over a broader range of exposures, at competitive rates. Depending on eligibility, our personal umbrella coverage includes protection for customers with:

n Other carriers’ property coverage

n Properties with pools

n Virtually all types of cars and trucks – private passenger

n Recreational vehicles, both licensed and non-licensed

n Motorcycles

n Boats

n Rental and investment properties

Additional Endorsements Available

At an affordable cost, we provide the following endorsements and products that give your clients additional coverages and higher limits.

Personal Property Replacement Cost Loss Settlement – pays to repair or replace damaged or destroyed items at today’s price, with no deduction for depreciation.

Valuable Articles – covers personal property such as jewelry, furs, fine arts, silver and electronics by description and value for virtually any type of loss, with no depreciation and no deductible.

Loss Assessment – provides coverage for any losses assessed as a member of, and required by, a condo or homeowner association, up to the policy limit.

Homeowners PennPac®, PennPac Deluxe & PennPac PlusIncrease the most popular special limits and add other valuable coverages on an HO-3 or HO-5 policy by adding this affordable package of endorsements. Coverages include:

n Identity theft

n Money, coins, bank notes

n Securities, deeds, manuscripts, passports

n Water back-up, sump overflow

n Theft of silverware

n Credit card theft

n Refrigerated property

Homeowners Preferred PackageThis package bundles all our additional coverages into one endorsement and can be attached to an HO-5 policy. The package provides all the coverages of our PennPac products plus:

n Higher limits on six of our most popular coverages

n Replacement cost coverage on personal property

n Specified additional amount of insurance for the dwelling

n Account Single Loss Deductible

We offer a variety of discounts to qualified homeowners. Some restrictions apply and proof of updates may be required.

n Multi-policy discount

n Homeowners loss free discount

n Electrical renovation discount

n Plumbing renovation discount

n Heating renovation discount

n Fire protective device discount

n Burglary protective device discount

n Retired daytime occupancy discount

n Nonsmoking discount

n Wind mitigation construction discount

n Home buyer discount

Discounts vary by state. Other coverage may be available or required depending on your state.

discountsfeatures&

Our automation capabilities

have been recognized by

technology industry leaders:

n HP Visionary Award for significant

strides in improving customers’

technology experiences

n Applied Systems’ Interface

Partnership Award for our

Real Time quoting services

We don’t just create fast and simple automation solutions for our agents.

Our goal is to delight agents with great service. 

Our personal lines quoting system — PennPlus® —

will surely do just that. Built by agents for agents,

this robust Real Time system makes it easier and

faster to quote auto and homeowners policies with

us. Plus we provide a

wealth of information, tools,

reports, and functions to

make it easy to do business

with us on our online

agency portal, PennConnect.

Big enough to

offer sophisticated systems

and services.

Small enough

to offer our agents and our

policyholders the personal

attention and relationships

that only a regional carrier

can offer.

solutions

Automation

PennPlus®

The “Plus” speaks to the enhanced ease-of-doing business capabilities of our online quoting system. Features include:

n Easy-to-navigate quote tabs

n Automatic ordering and inclusion of IBS, MVR, and CLUE reports, with the ability to dispute losses/violations

n Integrated home cost valuator and automatic protection class field populated

n Self-populating data fields

n Automatic capitalization of name and address fields

n ZIP code lookup that contains our territory codes

n VIN number counter that tells you how many characters were entered

n Rating for increased limits as well as entered limits

n A newly designed worksheet

n A proposal to present to your clients

n One-page application

n Billing and installment information

n Online deposit and RPP authorization integrated with policy submission

n Easy application of upload changes and overnight processing

n Access marketing brochures

Real Time QuotingPenn National Insurance is committed to supporting the industry-wide, real-time education and implementation initiative, in conjunction with ACORD and Agent Council for Technology (ACT). Real-time is the ability to click on a button from your agency management system or comparative rater for immediate access to carrier information on the client.

Whether you use AMS, TransactNOW or IVANS Transformation Station, we offer the following real-time features:

n Claims Inquiry

n Billing Inquiry

n Loss Runs Inquiry

n Policy Inquiry

n Comparative raters – SilverPlume (PL Rater) and EZLynx

And to complete the quoting process, we download the policyholder information back to you upon issuing the policy or policy changes.

n Customize marketing & sales

support materials with your

agency information

n Order marketing materials

and forms free of charge

Automation

agentsfor our

Online services through our agents’ extranetPennConnect is our outstanding online agency extranet, where you’ll find a variety of tools for doing business with us:

n Make direct bill payments or personal lines deposits on behalf of your direct bill policyholders

n View Web payment and deposit history, including a searchable directory of payments and deposits made

n Manage recurring payments program, with access to necessary forms

n Free access to replacement cost valuator

n View a variety of reports, for easy tracking of your agency’s results

n Billing, policy & claims information — search by policy number, account number, claim number or by a portion of the account name

n Searchable directory of company forms, manuals, news and bulletins

n Quote new Personal Lines

n Quote and submit Personal Lines changes

n View real-time daily policyholder notice of cancellations

Marketing & Sales Support Materials

More Convenience. More Savings.Within PennPlus, you can sign up your new business policyholder for our Recurring Payment Plan.

n They will save time and money. No checks orpostage costs needed.

n If paying monthly, they can pick their own due date, with the Recurring Payment Plan.

n Enjoy the worry-free freedom of knowing payment has been made.

Mobile App Available for Android and iPhoneOur app allows policyholders to:

n Make payments

n Report a claim

n Manage their account

n Find a repair shop

n Find a towing service

n View property damage checklist

n View and contact their agent

n View policy information and invoice

policyholdersfor our

Policyholders can enjoy the benefits of our mobile-ready online services, wherever they go.

Go Paperless!n Sign up to be notified by email when their bill is ready.

n No paper, no clutter – with easy access to documents in one location.

n Make payments securely, check a balance, view payment history, and manage payment method.

n Instantly access account information when needed.

n Report a claim.

n Request simple policy changes.

Online Convenience.

On-the-Go Service.

15 years of customer satisfaction research confirms an amazingly high satisfaction rate. We can’t always say to claimants, “Relax, you’re covered.” Sometimes we have to tell people that their loss isn’t covered. Our consistently high customer satisfaction results show that whether we’re delivering good or bad news, we’re doing it promptly and politely and with genuine concern and empathy.

Here are just a few of the comments that your customers

write about our claim services:

“ Service was excellent and personnel were very cooperative. Thanks for your help!”

“ Our adjuster was very courteous and pleasant to deal with. He was very detailed in his explanations and he really made our loss process as comfortable and painlessly simple as possible. We have recommended Penn National Insurance to our family and friends as an excellent company to deal with.”

“ During my 40 years of driving, I’ve had four claims including this one. I must say I never experienced a more courteous, professional and friendly customer service department.”

“ I was especially appreciative how the claims adjuster went the extra mile to facilitate my claim.”

“ Excellent service. One phone call and ten minutes later my windshield replacement was completely scheduled. All I had to do was show up for the appointment.”

Prompt.Painless.

Convenience. Service.We don’t outsource our call center a thousand miles or a continent away from our base of operation. If you need to talk with us, our customer support representatives are available from 8 a.m. – 4:30 p.m. ET, M-F, to offer our agents and policyholders knowledgeable, courteous and prompt answers.

Our claims service is second to none.

We sell a product that customers hope they never use.

If they do have to use it, they interact with us during a time of

terrible crisis. A car crash. A home burglary. A fire. Our product

is a legal contract, promising to cover some types of losses, but

not all losses. It can be tough explaining what’s covered and

what’s not, when the customer is suffering through a crisis.

We must stick to the terms of the legal contract of insurance.

But keep the customers happy at the same time.

High Customer Satisfaction Scores

Penn National InsurancePost Office Box 2361Harrisburg, PA 17105-2361

www.PennNationalInsurance.com

An Equal Employment Opportunity/Affirmative Action Employer©2014 Penn National Insurance Form #92-129 (2.2014)

Trust our experience, strength and service.

Through the years, Penn National Insurance

has earned the trust of our agents and

customers by delivering choice, service and

value. We’ve been taking care of our customers

since 1919, and we back our promise of

protection with our strong financial position.

We’re rated “A- (Excellent)” by A.M. Best and

have more than $1.3 billion in assets. We’re

a regional carrier, offering our personal lines

insurance in Pennsylvania, Tennessee, North

Carolina, Virginia, New Jersey, and Maryland.

Partner with the best.

www.PennNationalInsurance.com