Harleysville Insurance

Welcome toHarleysville Insurance

Meet ourRecognized as “Good people to know”in the markets we serve,Harleysville has gained prominencewithin the insurance industrywith our long-standing recordof financial stability andreputation for providingexceptional customer service.

“Good people to know.”Pardon us if our pride is showing, but we think Harleysville people are a cut above.That is why we put our employees and the agents who sell our products at the heartof our brand. Our “Good people to know” work hard each and every day to makesure all your dealings with us are ethical and satisfying. And, most of all, we strive toensure that, when you look back on what made you place your trust in Harleysville,you would make those same decisions all over again.Here are some things you should know about our company:We focus on what we do best. We protect small to mid-sized businesses, as well asindividuals and families, with quality insurance coverages at competitive prices.We offer a full line of personal, commercial, life and flood insurance products.We have a reputation for providing superior service. Although we rank amongthe nation’s top insurance groups, our employees retain a small-town attitude inpleasing the people they serve every day, especially when it comes to handling claims.Harleysville’s commitment to outstanding customer service is what sets us apart fromother insurers in the marketplace.We sell our products exclusively through independent insurance agents. Independentagents serve as advocates for insurance consumers, and we understand the trust andcommitment that comes with their decisions to rely on Harleysville to protect andserve their valuable customers.You’ll be glad you did.1

BusinessinsuranceOur core businessis protecting business• Businessowners programs• Commercial package programs• Commercial output program• Property• General liability• Automobile• Inland marine• Crime• Workers compensation• Umbrella• Professional liability (EPLI/Condo D&O)• Miscellaneous liability2

We insure businesses of all kinds in towns and cities largeand small. In the process, we not only protect the financialfuture of those businesses, we help the economies ofAmerica’s communities thrive.Here are just a few reasons why Harleysville is the insurer of choicefor a growing number of businessowners throughout the country:• Expertise. Even the most careful business can experience loss.Vandals destroy. Buildings burn. Inventory gets damaged. Thievessteal. Employees get hurt. And people sue. Harleysville’s insuranceprofessionals have the experience and expertise to ensure that ourbusiness customers are protected against risks that can threaten thehealth of their companies, and the livelihood of the employeeswho need it to survive.• Tailored insurance protection. Harleysville offers specificinsurance programs to meet the unique needs of a wide varietyof businesses—from professional services and retail stores, tocontractors and wholesalers. These programs not only ensurecomprehensive, tailored protection, they provide better valuefor the insurance dollars our customers spend.• Value-added services. At Harleysville, we give our customers morethan just insurance coverage, we provide help. Help in preventingon-the-job accidents and property damage through our losscontrol services. Help in controlling the cost of medical careassociated with work place injuries through our managed care program.Help in providing a vigorous legal defense, and in recovering after atraumatic loss, through our claims resolution experts.• Commitment. We seek relationships that last. And there are plenty ofagents and insurance customers who have benefited from our productsfor decades—some, for as long as 75 years or more.Our commercial clients look to usfor more than insurance coverage.We also help them:• Prevent on-the-job accidents andproperty damage.• Control the cost of medical careassociated with work place injuries.• Return employees to productivework when injuries do occur.3

PersonalinsurancePeace of mind,help in a hurry• Automobile• Homeowners/condominium owners• Renters• Dwelling fire• Inland marine• Boat• Excess liabilityNote: Not all products may be available in all of our operating states.4

We’ve been insuring drivers for almost as long as carshave been around. We also insure homes, condos, boatsand just about anything else people need to protectfrom financial loss.Property owners and renters turn to Harleysville for insurance againstall types of calamities, from kitchen fires and stolen jewelry, to shatteredwindows and slip-and-fall injuries to houseguests.The type of insurance and level of coverage can be designed to fitany lifestyle ... whether our customer wants to insure the contents ofa small apartment or a high-value residence complete with a homebasedbusiness office.For youthful drivers, mature drivers and everyone in between, weoffer quality automobile insurance with multiple pricing and savingsfeatures to reward our most responsible motorists with the bestrates. When our policyholders experience an accident, we offera host of service options to make life easier while repairs arebeing made.Captains and crew members also can turn to Harleysville forprotection against special perils of the seas, bays, lakes and rivers.Our pleasure watercraft coverage goes with them from the waterwaysto the highways, protecting their investment during transport andin dry storage.Harleysville’s independent repairnetworks play an important role inproviding exemplary claims serviceto our customers.Through these networks, we provide ourpolicyholders with freedom to select localhome- and auto-repair professionals whopartner with Harleysville to:• Consistently perform quality work.• Complete repairs in a timely fashion.• Offer services at reduced prices.For customers who want an extra layer of protection over and abovetheir fundamental personal insurance policies, we offer personal blanketexcess liability coverage to guard against lawsuits of a catastrophic nature.All of Harleysville’s personal insurance customers enjoy:• 24-hour claims reporting designed for quick resolution.• Payment flexibility, including electronic funds transfer.• Numerous opportunities to save, starting with discounts for carryingmultiple policies with us.• Coverage options designed to fit any lifestyle.5

LifeinsuranceFinancial securitylong into the future• Employee benefits• Key employee coverage• Buy/sell funding• Executive rewards plans• Retirement savings plans• Individual life insuranceand annuitiesNote: Not all products may be available in all of our operating states.6

Long-term financial security is a top priority amongAmericans today, and the products of Harleysville LifeInsurance Company help them achieve it.There’s more to business insurance than property coverage or protecting acompany’s assets against lawsuits. Life insurance and related products are allabout maintaining financial stability for a company far into the future—forthe businessowner and the family, its partners and executives, and, of course,its employees.Businessowners turn to Harleysville Life to help them:• Attract quality talent with a full line of employee benefits programs—from group life and disability plans to savings and retirement plans—thatenable their business to compete for top-rated job candidates.• Minimize the impact of losing a key employee who has died, with lifeinsurance funds to hire and train a replacement, and to compensate thebusiness for lost sales and profits.• Ensure the continuation of the business upon an owner’s death, withtax-free funds to finance any number of business transactions, includingthe buyout of a surviving spouse’s equity interest in the business.• Keep talent through our executive rewards plans, which provide funds topay for performance and keep the best people highly motivated to staywith the company.For more than four decades, Harleysville Life has protected the financialfutures of families and individuals, as well.When our customers suffer the loss of a loved one, our products provide thefunds they need to:• Meet funeral and estate settlement expenses.• Provide survivor income for the family.• Pay off a mortgage or other debts.• Ensure an effective wealth transfer plan for loved ones and charity.7

Harleysville at a glance• Leading regional provider of insurance products for small and mid-sizedbusinesses, as well as for individuals and families• Founded in 1917 as an auto insurer in Harleysville, Pennsylvania;Harleysville Life Insurance Company formed in 1960• Full line of personal, commercial, life and flood insurance products• Operates primarily in 32 states in the Midwest, Mid-Atlantic, Northeast andSoutheast regions of the United States• Products sold exclusively through independent insurance agents• The Harleysville Insurance organization includes Harleysville Group Inc.(NASDAQ: HGIC), a publicly traded holding company for nine regionalproperty/casualty insurance companies. Harleysville Mutual InsuranceCompany is the majority shareholder of Harleysville Group Inc.• Consolidated property and casualty operations of Harleysville Groupand Harleysville Mutual produce more than $1 billion of net writtenpremium annually.For more information about Harleysville Insurance, visit our Web site at:www.harleysvillegroup.com

Strengthening our reputationAt Harleysville, we believe good business practices—coupled withethical conduct and a sense of moral duty and fair play—is, was,and always will be a fine way to run an insurance company. Todayand every day, we strengthen our “Good people to know” reputationwith every interaction that takes place.... as“Good people to know.”Harleysville Insurance355 Maple AvenueHarleysville, PA 19438-2297www.harleysvillegroup.comZ-1310 07/07©2007 Harleysville Mutual Insurance CompanyAll rights reserved