Welcome to Travelers Small Business Insurance

Travelers Apartment Pac ^SM is designed for owners of Buildings used exclusively as apartment houses, including cooperative.

Number of Buildings: Less than 5 5-10 more than 10 Number of Stories: 1-3 more than 3 Total Insured Value: less than $1 million $1-$3 million more than $3 million Total Annual Payroll: less than $50,000 $50,000-$100,000 more than $100,000 Business Class Description - SIC: Choose Business Description (1-4 apartment units per fire rating division) – 6514 Building (5-12 apartment units per fire rating division) – 6513 Building (13+ apartment units per fire rating division) – 6513 Cooperatives-6513

Travelers Building Pac^SM is designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.

Number of Buildings: 1-5 more than 5 Total Insured Value per Building: less than $1 million $1-$3 million more than $3 million Total Annual Sales: less than $1 million $1-$4 million more than $4 million Total Annual Payroll: less than $300,000 $300,000-$600,000 more than $600,000 Business Class Description - SIC: Choose Business Description Apartment Mercantile – 6512 Garages and Gas Stations – 6512 Manufacturing, Processing, Contracting – 6512 Mercantile – 6512 Office – 6512 Religious Use – 6512 Shopping Centers - 6512

Travelers Business Pac^SM is designed for business providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.

Number of Locations: 1-5 more than 5 Total Insured Value per Location: less than $1 million $1-$3 million more than $3 million Total Annual Sales: less than $1 million $1-$4 million more than $4 million Total Annual Payroll: less than $300,000 $300,000-$600,000 more than $600,000 Business Class Description - SIC: Choose Business Description Barber Schools – 7241 Barber Shop – 7241 Beauty Schools – 7231 Beauty Shops – 7231 Carpet, Rug and Upholstery Cleaning – Shop only – 7217 Dental Labs – 8072 Diaper, Uniform and Linen Supply – 7219 Disc Jockeys and Musicians – 7929 Dressmaker – 7219 Dry Cleaners & Laundries, Coin Operated, Attended – 7215 Dry Cleaners & Laundries, No Plant on Premises – 7212 Dry Cleaners & Laundries, Plant on Premises – 7216 Duplicating and Photocopying – 7334 Engraving Services – 7389 Film Processing – 7384 Funeral Parlors and Crematories – 7261 Key Cutting – 7699 Locksmith – 7699 Media Duplication – 7334 Nail Salons – 723 Office Machine Repair – Shop only – 7629 Packaging and Mailing Services – 7389 Pet Day Care (No overnight boarding & No Kennels) – 0752 Pet Sitters – 7299 Printers – 2759 Recording Studios – Music – 7389 Sewing Machine Repair – 7699 Shoe Repair – 7251 Shops – Men and Women’s – 7219 Taxidermist Services - Shop only – 7699 Television, Stereo and VCR Repair –Shop only – 7622 Typewriter Sales and Service – 7699 Videotape Editing Service - 7384

Travelers Condominium Pac^SM is designed for owners of buildings used exclusively as condominiums.

Number of Buildings: less than 5 5-10 more than 10 Number of Stories: 1-3 more than 3 Total Insured Value: less than $1 million $1-$3 million more than $3 million Total Annual Payroll: less than $50,000 $50,000-$100,000 more than $100,000 Business Class Description - SIC: Choose Business Description Building (1-4 units per fire rating division) – 8641 Building (5-12 units per fire rating division) – 8641 Building (13+ units per fire rating division) – 8641 Mercantile – 6531 Others (including Manufacturing and Processing) – 6531 Residential/Commercial Mixed Use – 8641 Shopping Centers - 6531

Travelers Contractors Pac^SM is designed for primarily small residential, specialty trade contractors.

Number of Locations: 2 or less more than 2 Total Insured Value per Location: less than $250,000 $250,000-$500,000 more than $500,000 Total Annual Payroll: less than $50,000 $50,000-$100,000 more than $100,000 Business Class Description - SIC: Choose Business Description Air Conditioning – 1711 Awning Installation – 1799 Cabinet Makers – Shop Only – 1751 Carpentry – 1 and 2 Family Dwellings – 1751 Carpentry – Interior – 1751 Carpentry – Shop Only – 2431 Carpet and Floor Covering Installation – 1752 Carpet, Rug, and Upholstery Cleaning – 7217 Communication Equip Install (Commercial) – 1731 Concrete Construction – 1771 Counter Top Installation – 1751 Door, Window or Assembled Millwork – 1751 Driveways, Sidewalks and Parking Areas – 1611 Electrical, Household Appliance & Equip Svc – 7629 Electrical Wiring within Buildings – 1731 Excavation – 1794 Fence Dealers and Installers – 1799 Furniture and Fixture Installation – 1799 Glaziers – 1793 Grading of Land, Site Preparation – 1794 Heating – Combined HVAC – 1711 House Furnishing Installation – 1799 Iron Works – Decorative or Artistic – 1799 Janitorial Service – 7349 Landscape Gardening – 0782 Lawn and Garden Sprinkler Installation – 1711 Masonry – 1741 Monument Engraving and Installation – 3281 Musical Instrument Tuning or Repair – 7699 Painting – Exterior – 1721 Painting - Interior and Paperhanging – 1721 Plastering and Sheetrock – Inside – 1742 Plastering or Stucco – Outside – 1742 Plumbing – 1711 Power Washers – 1799 Refrigeration – 7623 Septic Tank Installation, Service, Repair – 1711 Sheet Metal Work – 1761 Siding, Gutter, Downspout Installation – 1761 Sign Installation and Repair – 1799 Sign Painting and Lettering – 7389 Subcontracted Work Tile and Stonework – Interior – 1743 Water Softening Equipment Installation - 1799

Travelers Garage Pac^SM is designed for independently operated or franchised automotive service and repair businesses.

Number of Locations: 2 or less more than 2 Total Insured Value per Location: less than $500,000 $500,000-$1 million more than $1 million Total Annual Sales: less than $1 million $1-$2 million more than $2 million Total Annual Payroll: less than $50,000 $50,000-$100,000 more than $100,000 Business Class Description - SIC: Choose Business Description Air Conditioning Svc & Repair - 7539 Body Repair and Collision Shops - 7532 Brakes, Shocks & Struts, Exhaust Install - 7533 Detail Shops, Pinstriping, Auto Waxing and Buffing - 7542 Electrical Repair & Install - 75388 General Repair with Gas Sales General Repair without Gas Sales - 7538 Glass Installation - 7536 Oil Change and Lubrication - 7538 Painting and Pinstriping - 7532 Rustproofing, Undercoating, Glazing - 7549 Sound & Communications Equip Svc - 7538 Transmission Repair and Installation - 7537 Tune-Up and Emissions Testing - 7538 Upholstery, Tops and Sunroof Repair and Installation - 7532

Travelers Office Pac^SM is designed for a variety of firms providing medical, legal, financial or other professional services for their clientele.

Number of Locations: 1-5 more than 5 Total Insured Value: less than $1 million $1-$3 million more than $3 million Total Annual Sales: less than $2 million $2-$5 million more than $5 million Total Annual Payroll: less than $500,000 $500,000-$1 million more than $1 million Business Class Description - SIC: Choose Business Description Accounting, Auditing, Bookkeeping - 8721 Actuarial Consultants - 8999 Acupuncturists - 8049 Advertising, Graphic & Commercial Art Svcs - 7311 Architects, Engineers and Draftsmen - 8712 Audiologists – Testing only - 8041 Chiropractors - 8041 Claims Adjusters-Independent - 6411 Consultants – All Other - 8742 Consultants – Management - 8742 Credit and Debt Counseling - 7299 Dentists and Dental Surgeons - 8021 Direct Mail Advertising Services - 7331 Employment Agencies - 7361 Financial Planners - 6282 Insurance Agents - 6411 Interior Decorators and Window Designers - 7389 Lawyers - 8111 Media Buyers - 7319 Mortgage Brokers - 6163 Notaries Public - 7389 Occupational Therapists - 8049 Optometrists - 8042 Pet Groomers - 0752 Physicians and Surgeons, Including Osteopaths - 8011 Physical Therapists - 8049 Podiatrists - 8043 Psychiatrists - 8011 Psychologists - 8049 Public Relations - 8743 Publishers - Books - No Printing - Office Only - 2731 Publishers – Newspapers – No printing, office only - 2 Real Estate Appraisers - 6531 Real Estate Sales – Residential - 6531 Speech Therapists - 8049 Stenography, Typing & Court Reporting - 7338 Stockbrokers - 6211 Tax Preparation Services - 7291 Telemarketing and Research Services - 7389 Telephone Answering Services - 7389 Title Agencies - 6411 Travel Agencies - 4724 Veterinarians - 0742 X-Rays or Imaging Laboratories - 8071

Travelers Religious Pac^SM is designed for small churches and other houses of worship not affiliated with operating educational institutions.

Number of Locations: 2 or less more than 2 Total Insured Value per Building: less than $250,000 $250,000-$500,000 more than $500,000 Total Annual Sales: less than $1 million $1-$2 million more than $2 million Total Annual Payroll: less than $300,000 $300,000-$600,000 more than $600,000 Business Class Description - SIC: Choose Business Description Owner-Occupied Religious Institutions - 8661 Tenant – Occupied Religious Institutions - 8661

Travelers Restaurant Pac^SM is designed for fast food and family-style restaurants.

Number of Locations: 2 or less more than 2 Total Insured Value per Location: less than $250,000 $250,000-$500,000 more than $500,000 Total Annual Sales: less than $1 million $1-$2 million more than $2 million Total Annual Payroll: less than $300,000 $300,000-$600,000 more than $600,000 Business Class Description - SIC: Choose Business Description Fast Food: Asian - 5812 Fast Food: Drive-In (Service In Car) - 5812 Fast Food: Food Courts - 5812 Fast Food: Mexican Take-Out - 5812 Fast Food: Subs and Sandwich Take-Out - 5812 Fast Food: All Other - 5812 Family Style: Asian - 5812 Family Style: Buffet - 5812 Family Style: Cafeteria - 5812 Family Style: Italian - 5812 Family Style: Other Ethnic Cuisine - 5812 Family Style: Pizza (no delivery) - 5812 Family Style: Seafood - 5812 Family Style: Steak Barbecue - 5812 Family Style: All Other - 5812 Family Style: Banquet and Reception Services - 5812 Family Style: Catering - 5812 Family Style: Fine Dining - 5812

Travelers Store Pac^® is designed for a wide variety of retailers primarily engaged in brick-and-mortar commerce.

Number of Locations: 1-5 more than 5 Total Insured Value per Location: less than $1 million $1-$3 million more than $3 million Total Annual Sales: less than $1 million $1-$4 million more than $4 million Total Annual Payroll: less than $300,000 $300,000-$600,000 more than $600,000 Business Class Description - SIC: Choose Business Description Air Conditioning, Heating Supplies - 5722 Antique Stores - 5932 Appliances - 5722 Aquarium Supplies and Tropical Fish - 5999 Army – Navy Stores - 5399 Art Gallery or Dealer - 5999 Art, Pictures and Posters - 5999 Artists Supplies - 5945 Athletic Footwear - 5661 Audio/Visual Accessories - 5731 Automobile Accessories - 5531 Bagel Shops - 5461 Bakeries - 5461 Balloon and Novelty Stores - 5947 Barber, Beauty Supplies –Retail - 5999 Bed and Bath Shops - 5719 Beverage Stores, No Alcoholic Beverages - 5499 Beverage Stores, Selling Beer or Wine - 5921 Bicycle Shop - 5941 Blanket and Bedding - 5719 Books, Magazines - 5942 Brass Specialty Stores - 5999 Bric-a-brac and Curio Shops - 5947 Bridal Shops - 5621 Butcher Shops - 5421 Cake Decorating Equipment and Supplies - 5999 Camera, Photographic Supplies and Repair - 5946 Candle Shops - 5999 Candy, Nut, Confectionary - 5441 Cards, Stationery - 5947 Carpet, Floor Coverings - 5713 Catalog & Premium Coupon Redemption Stores - 5961 Ceramics and Pottery - 5719 Cheese Shops - 5451 China and Crystal Stores - 5719 Christmas Stores - 5947 Clock Shop with Repair - 5944 Clothing, Accessories: Children’s and Infants’ - 5641 Clothing, Accessories: Maternity Clothing - 5621 Clothing, Accessories: Men’s and Boy’s - 5611 Clothing, Accessories: Sports Apparel and Accessories – 5699 Clothing, Accessories: T-Shirt Shops - 5699 Clothing, Accessories: Women’s and Girls’ - 5621 Coffee Bars - 5812 Collectibles – Coins, Stamps - 5999 Collectibles – Sports Cards and Memorabilia - 5947 Computers - 5734 Convenience Store, No Gas Pumps - 5411 Convenience Store, Selling Gas - 5399 Cookie Stores - 5461 Cosmetics, Toiletries - 5999 Crafts - 5945 Curtains, Draperies - 5714 Dairy Products - 5451 Dance Supplies - 5632 Delicatessens, No Cooking - 5411 Delicatessens, with Cooking - 5812 Department Stores, No Cooking - 5311 Discount Stores - 5331 Donut Shops - 5461 Dry Goods Stores – 5949 Education and School Supplies - 5943 Electrical Supplies - 5251 Electronics Stores - 5722 Equip & Supplies for Bars/Hotels/Offices/Stores - 5999 Equipment, Fixtures, Supplies for Restaurants - 5999 Fabrics - 5949 Flag and Banner Stores - 5999 Florist Shops including, Artificial Flowers - 5992 Frame Shops – 5719 Fruits and Vegetables - 5431 Furniture - 5712 Furniture, Patio - 5712 General Stores - 5399 Gift, Novelty, Souvenirs - 5947 Glass - 5231 Golf Equipment Stores - 5941 Gourmet Coffee Shops - 5499 Grocery Stores and Supermarkets - 5411 Hardware - 5251 Health Food - 5499 Hearing Aid and Audiology Centers - 5999 Hobby Shops, Including Miniatures, Models and Trains - 5945 Home Improvement Stores - 5251 Ice Cream and Frozen Yogurt Shops, No Cooking - 5812 Jewelry Fine - 5944 Jewelry – Imitation and Novelty - 5632 Juice Bars - 5812 Kiosks – Non Food - 5999 Kitchen Accessories, Including Cutlery - 5719 Knives and Scissors - 5719 Lamps, Lighting Fixtures - 5719 Lawn, Garden Outdoor Fixtures – 5261 Lawn, Garden Supplies - 5261 Leather Goods - 5948 Linen and White Goods - 5719 Lingerie Hosiery - 5632 Liquor - 5921 Luggage Stores - 5948 Meat, Fish and Poultry - 5421 Mirror and Home Decorations - 5719 Monuments - 5999 Musical Instruments - Pianos, Organs - 5736 Musical Instruments – other than Pianos and Organs - 5736 Newspaper and Magazine Stands - 5994 Office Furniture - 5712 Office Machines - 5734 Office Supplies - 5943 Optical Goods - 5995 Paint, Wallpaper, Tile - 5231 Paper and Paper Products - 5943 Party Supply Stores - 5331 Pet Store - 5999 Pet Food and Supplies - 5999 Photography – Commercial - 7335 Photography – Portrait, Including Video Taping – 7221 Plumbing, Fixtures, Supplies - 5999 Records, Tapes, Compact Discs - 5735 Religious Articles - 5999 Running and Track Equipment - 5699 Sewing Machines - 5722 Ship Chandler Stores - 5999 Shoes - 5661 Sign Stores - 7399 Soccer Apparel and Equipment - 5941 Specialty Foods - 5499 Sporting Goods, Bait and Tackle, No Firearms or Skis - 5941 Stereos - 5731 Sunglasses Shops - 5999 Telephone Stores - 5731 Televisions - 5731 Tennis Apparel and Equipment - 5941 Ticket Sales - 7922 Tie Shops - 5611 Tile Stores - 5713 Toys - 5945 Trophy Stores - 5999 Tuxedo Rentals - 7611 Uniform Stores – 5651 Vacuum Cleaner Sales/Svc w/out Central Inst - 5722 Vacuum Cleaner Sales/Svc with Central Inst - 5722 Variety Stores - 5311 Video Store - 5735 Wig Shops - 5699 Yarn Shop - 5949

Travelers Technology Office Pac^SM is designed for technology firms providing computer consultation and a variety of technology services for their clientele.

Total Insured Value per Location: less than $1 million $1-$3 million more than $3 million Total Annual Sales: less than $1 million $1-$3 million more than $3 million Total Annual Payroll: less than $500,000 $500,000-$1 million more than $1 million Business Class Description - SIC: Choose Business Description Commercial Computer Installation, Service or Repair – 7378 Computer Consultants – 7379 Computer Consultants – Remote Offices – 7379 Computer Instruction – 8243 Data Preparation & Processing - 7374 Information Technology Facilities Management – 7376 Personal Computer Installation, Service or Repair – 7378 Software Developers and Designers – Custom – 7371 Software Developers and Designers - Prepackaged – 7372 Web-based Svcs-Apps for General Use - 7373/7379 Web-based Svcs-Apps/Specific Bus Use - 7373/7379 Web-based Svcs-Search & Index Tools- 7373/7379 Web site Developers & Designers - 7373/7379