Welcoming 2023 with Exciting News

Attune entered 2023 renewed and more focused than ever on making insurance as easy as it should be. In pursuit of that goal, as of January 4th 2023, Attune is now part of Cake Insure, Pinnacol [https://www.pinnacol.com/] Assurance’s digital managing general agent (MGA). Message from our CEO: “In 2023 we have the opportunity to focus on our core strengths in the P&C industry and to continue delivering a tech enabled platform that unlocks a seamless commercial binding experience, robust product offering and not to mention, a world class customer care team for our agents, brokers and their small business clients,” said James Hobson, CEO of Attune. “With Pinnacol we have found an investor that both shares our vision for how to create an exceptional insurance experience and has the experience and scale from being Colorado’s largest workers’ compensation provider with over 100 years of experience.” YOU MAY HAVE SOME QUESTIONS * Is anything changing to the Attune Portal [app.attuneinsurance.com]? No, you still have access as normal, this acquisition will not impact your Attune experience. Everything from commissions to servicing will remain unchanged. While we have joined the Pinnacol family, we’ll continue to operate with the Attune name. * What’s going to happen to all the policies written through the Attune Portal? Nothing. You can still quote, bind, edit, and review all your clients’ policies in the Attune Portal [app.attuneinsurance.com]directly just as before. * What’s next for Attune? We’re working to bring you new products, classes, and portal features. Keep an eye out for more updates to come soon and be sure to follow us on LinkedIn [https://www.linkedin.com/company/11078878/admin/]. If you have any questions, please get in touch with your Account Manager or the Customer Care team, we are here for you.

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$100 for your Attune BOP+ and Neptune Flood Bundle

Terms and Conditions $100 for your Attune BOP+ and Neptune Flood Bundle is sponsored by Attune Insurance Services, LLC, 44 Wall Street, Floor 22, New York, NY 10005 (Attune). Promotion Name: $100 for your Attune BOP+ and Neptune Flood Bundle Territory: CO, UT, NV, AZ, MI, KS, OK, ND, WI, PA, MA, VA, OH, VT, NH, ME, CT, DE Start Date: Monday, November 28, 2022, at 12:01 a.m. ET End Date: Saturday, December 31, 2022, at 11:59 p.m. ET Description of Promotion: Earn a $100 gift card when binding a BOP and Neptune Flood policy together or adding a Neptune Flood policy to an existing BOP via the Attune portal. Policies must be active and fully paid for by January 31, 2022 to be eligible for the promotion. Promotion will first be paid to Attune and Attune will then distribute to brokers. Limit 1 policy per agent code (commercial flood policy). Promotion timeline is November 28 - December 31, 2022. Eligible states for promotion are CO, UT, NV, AZ, MI, KS, OK, ND, WI, PA, MA, VA, OH, VT, NH, ME, CT, DE. Please note, a full list of eligibility guidelines and classes is located in the Attune Portal [https://app.attuneinsurance.com/login]. If a policy does not qualify or if it is canceled before the payout date, it will not count towards the eligible bind count. The link to activate the $100 gift card will be sent by Attune via email after the incentive period ends. By participating, sub-producers/employees agree to the following rules governing the promotion: * The promotion is open only to licensed insurance sub-producers or employees under the supervision of a licensed sub-producer having an in-force contract with Attune who are invited to participate by Attune. * No reward may be passed through in whole or in part to any customer. * The sub-producer will defend and indemnify Attune against any claim by any employee of the sub-producer or any other person or organization. * The promotion may not be available in all states and is void where prohibited by law. * The promotion is not a guarantee that insurance coverage will be bound. * Sub-producers and employees are solely responsible for compliance with any applicable laws and regulations regarding producer compensation. * Attune is not acting as an agent for any insurance company in relation to the promotion. No reward granted is deducted from premiums. * Attune reserves the right to suspend, modify or cancel the promotion for any reason and at any time. * Attune, in its sole discretion, may disqualify any sub-producer found to be engaged in dishonesty or fraud with regard to the promotion or the business of insurance. * The promotion is not part of the Attune producer contract. Nothing in the promotion or in these terms amends or alters the producer contract between Attune and the sub-producer. * If a policy does not qualify or if it is canceled before the end of its term, it will not count toward the calculation of total Cyber Liability binds with respect to this promotion.The sub-producer agrees that any claim or dispute regarding the promotion will be resolved exclusively and finally by binding arbitration in New York, NY in accordance with the current commercial arbitration rules of the American Arbitration Association.

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Attune Cyber Advantage Incentive

Terms and Conditions Attune’s Cyber Advantage Program is sponsored by Attune Insurance Services, LLC, 44 Wall Street, Floor 22, New York, NY 10005 (Attune). Promotion Name: Attune’s Cyber Advantage Program Territory: All States and the District of Columbia (except where insurance products aren’t approved). Start Date: Saturday, Oct, 1, 2022, at 12:01 a.m. ET End Date: Saturday, Dec. 31, 2022, at 11:59 p.m. ET Description of Promotion: Attune’s Cyber Advantage Program will provide brokers the opportunity to receive multiple commission bonuses based on their Attune activity. We will provide a bonus payout for multiple Cyber Liability binds outlined below: * Cyber bind #1 → $0 additional commission * Cyber bind #2 → $100 additional commission (total $100 earned) * Cyber bind #3  → $100 additional commission (total $200 earned) * Cyber bind #4  → $100 additional commission (total $300 earned) * Cyber bind #5  → $100 additional commission (total $400 earned) * Cyber bind #6  → $100 additional commission (total $500 earned) * Cyber bind #7 → $0 additional commission Coalition admitted and non-admitted Cyber Liability policies (regardless of the effective date) bound between Oct 1 and Dec. 31, 2022 will qualify for the above commission bonus payout. Please note, a full list of eligibility guidelines and classes is located in the Attune Portal [https://app.attuneinsurance.com/login]. If a policy does not qualify or if it is canceled before the payout date, it will not count towards the eligible bind count. Additional commission will be paid in the first commission statement after the incentive period ends. By participating, sub-producers/employees agree to the following rules governing the promotion: * The promotion is open only to licensed insurance sub-producers or employees under the supervision of a licensed sub-producer having an in-force contract with Attune who are invited to participate by Attune. * No reward may be passed through in whole or in part to any customer. * The sub-producer will defend and indemnify Attune against any claim by any employee of the sub-producer or any other person or organization. * The promotion may not be available in all states and is void where prohibited by law. * The promotion is not a guarantee that insurance coverage will be bound. * Sub-producers and employees are solely responsible for compliance with any applicable laws and regulations regarding producer compensation. * Attune is not acting as an agent for any insurance company in relation to the promotion. No reward granted is deducted from premiums. * Attune reserves the right to suspend, modify or cancel the promotion for any reason and at any time. * Attune, in its sole discretion, may disqualify any sub-producer found to be engaged in dishonesty or fraud with regard to the promotion or the business of insurance. * The promotion is not part of the Attune producer contract. Nothing in the promotion or in these terms amends or alters the producer contract between Attune and the sub-producer. * If a policy does not qualify or if it is canceled before the end of its term, it will not count toward the calculation of total Cyber Liability binds with respect to this promotion.The sub-producer agrees that any claim or dispute regarding the promotion will be resolved exclusively and finally by binding arbitration in New York, NY in accordance with the current commercial arbitration rules of the American Arbitration Association.

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Moratorium: Hurricane Ian

10/5 Effective immediately, North Carolina, South Carolina, and Georgia BOP moratoriums are lifted. The below BOP moratorium in the state of Florida remains in effect until further notice. *Please note, if you have been impacted by the hurricane Ian FL moratorium, normal billing cycles will resume 11/28. Additionally, effective immediately, Neptune Flood has LIFTED the moratorium for the following areas: * Florida * Tier-1 counties in MS, AL, and GA 9/28 Effective immediately, North Carolina is included in the below moratorium for Hurricane Ian. 9/27 Effective immediately, South Carolina and Georgia are included in the below moratorium for Hurricane Ian. 9/26 Effective immediately, requests to change Blackboard, Accredited BOP, and AIG Excess coverage (adding new business, any increase in limits or addition of new locations on existing business, or any changes in existing coverage and deductibles) in following states are under a binding moratorium until further notice: * Florida Additionally, effective immediately, Neptune Flood has issued a moratorium for the following areas: * Florida * Tier-1 counties in MS, AL, and GA The majority of Neptune's employees live in the Tampa Bay area. With the support of Neptune Flood, most are evacuating and will have continued access to electricity/Wi-Fi, the Customer Success Team will be prioritizing FNOLs (First Notice of Loss) and any claim requests/correspondence rather than general inquiries over the coming days. Agents may continue to use Neptune's main number at 727-202-4815 [tel:7272024815], or support@neptuneflood.com, where their Customer Success Team will respond. As an alternative to avoid delays, agents may also use their AI chat bot, found on Neptune's site, to file claims, endorse policies, obtain policy documents, and more without contacting a Neptune employee. -- The Attune Help Center [https://attunehelp.zendesk.com/hc/en-us/articles/360050623391] has additional information if your clients are located in impacted moratorium areas. If you have any questions, please reach out to our Customer Care Team. [https://attunehelp.zendesk.com/hc/en-us]

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Protect your clients beyond cyber endorsements

Our daily work culture has shifted dramatically over the past three years. More people have left their offices for good and are working from home. As a result, businesses face new risks that aren't covered by most Businessowner's Policies (BOP). While most BOP policies include additional cyber coverage at a lower cost, they typically offer smaller sub-limits that won't provide enough coverage in case of a claim. Towards the end of 2021, Coalition saw the average claim cost increase to $149,000. Cybercriminals are opportunistic when it comes to small businesses. Digital risk is everywhere and evolves minute by minute. Every wireless transaction, link clicked, and stolen device leaves your clients vulnerable to a cyber attack that can close their businesses permanently. Today, cybercriminals are opportunistic, particularly when it comes to small and midsize organizations. The technology these organizations use is far more key to their risk than their industry. According to Coalition's 2022 Claims Report, small businesses saw a 40% increase in ransomware attacks and a 54% increase in funds transfer fraud incidents. [https://mcusercontent.com/cbba3f0ee32c745a3889eead4/files/c19955f6-b503-2f26-7904-b24113e86788/DLC_2022_03_Coalition_Claims_Report_2022.pdf] Luckily, there's a solution for intangible threats. Coalition Active Cyber Insurance spots and prevents risk before it strikes. Active Insurance continuity monitors and analyzes live data to spot new threats and alert your clients when they're at risk. With Coalition, your clients get protection and support before, during, and after digital incidents [https://mcusercontent.com/cbba3f0ee32c745a3889eead4/files/80ff47a8-c1b4-7c02-c814-cdaa1fb08280/Coalition_Before_During_After.pdf] . Active assessments, monitoring, and alerts Coalition Control is an automated scanning and alerting service — free to all Coalition policyholders – that assesses your clients’ digital risks from cybersecurity and executive exposures and shows you how to fix them. Active response during security incidents Get continuous scanning and monitoring of digital assets and other risk factors associated with cyber and executive risks—providing alerts for critical issues and personalized security recommendations so brokers and policyholders know when new threats arise. Comprehensive insurance to help them recover quickly Coalition’s comprehensive insurance policy will help your organization recover financially and operationally to get back to business. Get a Coalition Cyber quote and free risk assessment today. [https://app.attuneinsurance.com/login?redirect=%2Factivity&utm_source=marketing&utm_medium=email&utm_campaign=introducing_coalition_cyber_on_Attune]

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Exploring the Attune BOP+: Professional Services and Offices

Did you know that Attune’s first-ever product offering was a businessowners policy? From the beginning, we knew that the best way to customize coverage for small businesses is through a BOP. We asked our Account Development Lead Brennen Grone his favorite underrated BOP coverage that Attune offers. Brennen said: “I love selling the Attune office BOP+ because of the way we cover signage on the building. Some carriers restrict agents to a specific signage limit or boilerplate coverage amount. Our retail BOP+ allows us to cover signage attached to the building as BPP so we can be flexible with our small business clientele and use our sign coverage to cover signs that aren't attached to the building.” Next time you chat with your clients, review their policy and take advantage of this coverage opportunity.  You can head to page two of the BOP Base Policy Form to take a closer look. If you have any other questions on where you can find more details on coverages, reach out to your Account Manager or our Customer Care Team. To learn more about our BOP+ Professional Services and Offices industry, download the below pdf and head to the Attune portal [app.attuneinsurance.com] to get a quote in minutes. BOP Professional Services and Offices 51922 BOP+ Professional Services and Offices 5.1.9.22.pdf 449 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/05/BOP--Professional-Services-and-Offices-5.1.9.22.pdf]

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Five Flood Insurance Misconceptions from our trusted partner Neptune Flood

Misconception 1: The NFIP is the sole location to get flood insurance The NFIP is not the only resource for flood insurance. You can also be insured by a private carrier. Neptune Flood is an independent carrier that provides certified flood endorsements to assure complete coverage. The NFIP does not offer certain coverages that Neptune Flood can with additional optional coverages. Misconception 2: Homeowners are the only ones who can get flood insurance To be eligible for flood insurance coverage, you do not have to possess a single-family house. Renters who wish to secure their personal goods can get flood insurance. Commercial building owners who wish to safeguard the building and contents of their enterprises can also get flood insurance. Misconception 3: I should defer buying flood insurance until the rainy season Some individuals may not consider flood insurance until water levels start to rise and endanger their location, but it’s best to react proactively when it pertains to getting flood insurance coverage. Consider purchasing flood insurance while the weather is dry so that it would be accessible if you encounter flood damages in the future. Misconception 4: Only those who reside in a flooded area require high-risk flood insurance In reality, flooding occurs in all 50 U.S. states and has been the most prevalent sort of natural catastrophe. Flooding should be on everyone’s radar across the country. In actuality, one-third of flood aid goes to those who live outside of high-risk flood-prone areas. Keep in mind that it just takes an inch of floodwater to cause expensive damage! Misconception 5: Floods are only caused by storms Flooding can occur as a result of dam failure or a differential in water movement below and above ground. Flooding caused by melting snow is one example. As per FEMA, no building is fully protected from possible flooding damage. Even if your property is not in a high-prone flood zone, your mortgage provider may demand it. By partnering with Neptune Flood, we can provide policies that protect more of your possessions with additional optional coverages including replacement expense, basement contents, detached structures, and more.. With a ten-day waiting period compared to the NFIP’s 30-day waiting period, Neptune can protect your property up to three weeks faster. Our technology has the potential to save you a lot of money, another reason to check out our plans for if flooding strikes. Head to the Attune Portal [https://app.attuneinsurance.com/login] and check out your Neptune Flood quote today.

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Introducing Cyber Insurance on the Attune Portal

Every password we set, tools we use, and network we access leaves us exposed and vulnerable to cyber threats. As small and midsize businesses become increasingly dependent on services and applications connected to the internet, they also become a larger target for cybercriminals looking to exploit vulnerabilities in their systems. With cyber risk on the rise, we are glad to announce the launch of Coalition’s Cyber Insurance on our platform, providing our brokers easy access to a comprehensive insurance product and security to small businesses. Who is Coalition? Founded in 2017 with a mission to solve cyber risk, Coalition is a leading provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Headquartered in San Francisco, Coalition's global team has employees based across the United States, Canada, the United Kingdom, Switzerland, and Portugal. Coalition acquired Attune in October 2021, building a shared vision for the future of insurance where technology can help businesses solve all kinds of risks. With the addition of Attune, Coalition becomes the world’s largest commercial insurtech company serving over 130,000 customers. Why this partnership? Attune’s focus is always the brokers, and we want to provide you with access to a full suite of products and digital tools that simplify the entire lifecycle of insurance. As we build our offering to become your one-stop-shop for small business insurance, we continue adding best-in-class insurance products, and Coalitions’ cyber insurance is one of those. Backed with the financial security of Swiss Re Corporate Solutions, Lloyd's of London, and Argo Group (A+, A, and A- ratings, respectively, by A.M. Best), it provides companies with up to $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia. In addition to this, Coalition's cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in cyberattacks. By applying data and technology expertise to mitigate current and emerging risks, we are building the platform, knowledge, and capabilities to empower new digital brokers of the future. Cyber Insurance Product Overview Complete cyber protection Coalition takes a unified approach to digital risk, supporting insureds before, during, and after security incidents with active monitoring, incident response, and comprehensive insurance. Active monitoring 24/7 security monitoring and alerts. Their tools and team help secure an organization to prevent cyber incidents. * Instant Alerts ($10,000 value) * On-demand security support * Free and discounted security tools Incident response Speed is critical when responding to security incidents. Coalition is the only cyber insurance provider with a dedicated in-house cyber claims and incident response team. * Coalition Incident Response (CIR) * Coalition Claims Comprehensive insurance to help one recover quickly Coalition’s complete insurance policy helps your clients recover financially and operationally to get back to business. * Protect the value of the entire business (financial losses and liability) * Backed with the financial security of many of the world’s leading (re)insurers, including Swiss Re Corporate Solutions, Arch Insurance, and Lloyd’s of London Insurance Coverage Coalition found existing cyber insurance policies lacking, so they created their own. Full limits include enhanced business interruption cover, protection from cyber attacks, computer replacement coverage (an industry first—only available through Coalition), etc. Who is covered? Coalition’s Cyber  policy coverage extends to: * The company listed on the insurance policy * Any majority-owned subsidiaries of the insured company * Senior executives* * Employees* *Senior executives and employees are covered so long as their actions are in the normal scope of a company's business operations. We have more resources for you. Want to learn more? Check out this resource page [https://blog.attuneinsurance.com/cyber-insurance-resource-page/]with coverage guides, insured resources, a cyber security checklist, and more. Get your first Cyber Insurance quote in minutes [https://app.attuneinsurance.com/login?redirect=%2Factivity]

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We’re migrating New Hampshire Insurance (AIG) XS Policies to Core Specialty

You can learn more about Core Specialty here [https://attunehelp.zendesk.com/hc/en-us/articles/4613353941403], along with information regarding billing [https://attunehelp.zendesk.com/hc/en-us/categories/360001122192-Billing], endorsements [https://attunehelp.zendesk.com/hc/en-us/categories/360001122952-Endorsements], cancellations [https://attunehelp.zendesk.com/hc/en-us/categories/360002276171-Cancellations], claims/loss runs [https://attunehelp.zendesk.com/hc/en-us/categories/360001130951-Claims], and commissions [https://attunehelp.zendesk.com/hc/en-us/categories/4614137556507-Commission]. Effective March 14, AIG is issuing a Commercial Excess moratorium for New Hampshire Insurance. Therefore, all eligible XS policies quoted through the Attune Portal will appear on Core Specialty’s paper. Here’s what you can expect for new and renewal business. -------------------------------------------------------------------------------- Frequently Asked Questions Q: When is the last day to quote AIG XS policies? A: The last day brokers will be able to quote AIG XS policies in the portal will be 3/13/22. We will begin quoting Core Specialty manually on that date. Q: When is the last day to bind new business XS policies? A: 3/20/22, regardless of effective date Q: When are we starting to non-renew AIG policies? A: The non-renewal schedule by state will be as follows: * For all states outside California, Pennsylvania, and South Carolina: 6/30/22 will be our last AIG XS renewal effective date * Non renewal notices will go out as soon as April in adherence to state rules Q: What will be included in the notification that I, the broker, will receive for policies that will be transitioning? A: You will receive an email notification including the ODEN notice, EITHER a quote or an indication for Core Specialty XS (if eligible), marketing sheet for Core Specialty and loss runs. Q: What will be included in the notification that the policyholder will receive for policies that will be transitioning? A: The policyholder will receive a mailed letter that includes the ODEN notice, and a marketing sheet for Core Specialty which encourages them to call their broker if they would like to purchase coverage with Core Specialty. Q: Will there be any policies that are not transitioned to Core Specialty? A: Yes. Policies that are out of appetite for Core Specialty will be non renewed. For these policies, the broker’s email notice will indicate that the policy is being non-renewed and is not eligible for Core Specialty. The policyholder will receive an ODEN notice in the mail. As always, please contact our Customer Care team with any questions or concerns. Thanks for choosing Attune!

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Cyber Resouce Center

To learn more about Coalition Cyber Insurance, read this blog [https://blog.attuneinsurance.com/introducing-cyber-insurance-on-the-attune-portal] . Here are some additional resources to help you understand our offering and help make the best out of your Coalition Cyber Insurance policy. PDF Resources Coalition Cyber Insurance Flier Coalition Cyber Insurance Flier.pdf 189 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition-Cyber-Insurance-Flier.pdf] Coalition Cyber Coverages Coalition Cyber Coverages.pdf 181 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition-Cyber-Coverages.pdf] Table of Contents * Security * Coalition for Industry * Case Studies of Past Claims -------------------------------------------------------------------------------- Security Our powerful team of in-house experts share actionable steps to help prevent (or at least minimize) cyber threats. Video * Intro to Coalition Control [https://www.youtube.com/watch?v=lHLSY8AIxI4&t=1532s&ab_channel=Coalition%2CInc] * Coalition Risk Assessment [https://www.youtube.com/watch?v=QPZL6uiNx1Y&t=1334s&ab_channel=Coalition%2CInc] * Pre-Claim Security + Incident Response [https://www.youtube.com/watch?v=sJPHb-px9S8&t=2s&ab_channel=Coalition%2CInc] PDF Resources 2021 Coalition Cybersecurity Guide 2021-Coalition-Cybersecurity-Guide.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/2021-Coalition-Cybersecurity-Guide.pdf] 2021 Coalition Cybersecurity checklist 2021-Coalition-Cybersecurity-checklist.pdf 743 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/2021-Coalition-Cybersecurity-checklist.pdf] Coalition App CyberRiskAssessment Coalition_App_CyberRiskAssessment.pdf 441 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_App_CyberRiskAssessment.pdf] -------------------------------------------------------------------------------- Coalition for Industry Every industry has unique vulnerabilities and is exposed to different threats. Here are some recent claims. PDF Resources Coalition for Manufacturers Coalition_for_Manufacturers.pdf 2 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_Manufacturers.pdf] Coalition for Healthcare Coalition_for_Healthcare.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_Healthcare.pdf] Coalition for RetailEComm Coalition_for_RetailEComm.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_RetailEComm.pdf] Coalition for Legal Coalition_for_Legal.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_Legal.pdf] Coalition for NonProfits Coalition_for_NonProfits.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_NonProfits.pdf] Coalition for RealEstate Coalition_for_RealEstate.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_RealEstate.pdf] Coalition for Technology Coalition_for_Technology.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_Technology.pdf] -------------------------------------------------------------------------------- Case Studies of Past Claims Learn how other organizations have leveraged Coalition's cybersecurity services and insurance to protect their business and employees from cyber threats. PDF Resources Coalition CaseStudy Healthcare Coalition_CaseStudy_Healthcare.pdf 738 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_CaseStudy_Healthcare.pdf] Coalition CaseStudy LawFirms Coalition_CaseStudy_LawFirms.pdf 884 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_CaseStudy_LawFirms.pdf] Coalition CaseStudy Manufacturing Coalition_CaseStudy_Manufacturing.pdf 1 MB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_CaseStudy_Manufacturing.pdf] Coalition CaseStudy Technology Coalition_CaseStudy_Technology.pdf 758 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_CaseStudy_Technology.pdf] Coalition for PublicSector Coalition_for_PublicSector.pdf 157 KB download-circle [https://blog.attuneinsurance.com/content/files/2022/03/Coalition_for_PublicSector.pdf] -------------------------------------------------------------------------------- If you have any questions or need more information, please contact Attune Customer Care via "submit a request [https://app.attuneinsurance.com/help-center]" live chat from 9 a.m. to 6 p.m. EST Monday through Friday or via phone at 1-888-530-4650. We also included some Cyber Insurance content on the Attune Help Center [https://attunehelp.zendesk.com/hc/en-us].

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Attune Quote Rewards

Try a quote, earn cash. Submit any quote on the Attune Portal and earn Insurecoins. Collect at least 50 Insurecoins and redeem Amazon, Apple, or other gift cards. Yes, it’s that simple. How it works * Log into the Attune Portal * Quote a policy * Earn Insurecoins * Track and redeem You might have some questions * What is Attune Quote Rewards? Quote Rewards is Attune’s rewards program where you can earn Insurecoins on completed quotes and redeem for gift cards. You receive 10 Insurecoins every time you submit a new quote. * How much is an Insurecoin worth? 10 Insurecoins are worth $1. * How do you get Insurecoins? You receive Insurecoins every time you quote our products on the Attune Portal. * How many Insurecoins do you need to redeem rewards? You need to accumulate at least 50 Insurecoins ($5) to redeem a gift card. * How do you redeem Insurecoins? Follow this link [https://app.attuneinsurance.com/rewards] to the rewards page. You can click ‘View rewards’ and then ‘Redeem’ on the right-hand side. After that, you'll receive the redemption link to the email you use to access the Attune Portal. * What kind of gift cards are available? We have partnered with Tango Card [https://www.google.com/url?q=https://www.tangocard.com/&sa=D&source=docs&ust=1643666860602792&usg=AOvVaw2moN_LtrruxaQZm1quPeN0] to offer you gift cards from a wide variety of merchants like Amazon, Apple, Airbnb, Groupon, and more. * This sounds very simple! What’s the catch? There is no catch. You receive Insurecoins for every complete quote. Start earning now [https://app.attuneinsurance.com/login?redirect=%2Factivity] For more details, read full promotion terms [https://blog.attuneinsurance.com/terms-of-service-attune-broker-rewards/].

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2013 BUSINESSOWNERS MULTISTATE FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS

This notice is provided as a courtesy to Attune's brokers and policyholders and contains copyrighted material of Insurance Services Office, Inc. without any amendments to the wording. This is a summary of the major changes to your policy. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, THE PROVISIONS OF THIS POLICY SHALL PREVAIL. The areas within the policy that broaden or reduce coverage, and other changes, are highlighted below. This notice does not reference every editorial change made in your policy. BUSINESSOWNERS COVERAGE FORM BP 00 03 SECTION I – PROPERTY BROADENINGS OF COVERAGE Business Personal Property – Coverage Radius The Business Personal Property coverage grant is revised to extend coverage 100 feet from the building or 100 feet from the described premises. Vegetated Roofs Property Not Covered is revised to make an exception for lawns, trees, shrubs and plants which are part of a vegetated roof, thereby treating such property as an insured part of the building, so that an existing vegetated roof can be replaced with like kind in the event of a loss, subject to policy terms and certain limitations. Accordingly, lawns, trees, shrubs and plants which are part of a vegetated roof are no longer covered under the more limited Outdoor Property Coverage Extension. The Limited Coverage For Fungi, Wet Rot Or Dry Rot Additional Coverage is revised to expressly state that the coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. Electronic Data In Building Equipment Property Not Covered is revised to make an exception for electronic data which is integrated in and operates or controls the building's elevator, lighting, heating, ventilation, air conditioning or security system. Such electronic data is now Covered Property and is subject to the policy's full limits of insurance for a loss not otherwise excluded. The Electronic Data and Interruption Of Computer Operations Additional Coverages are revised to reinforce that coverage does not apply to such electronic data. Debris Removal The additional Limit of Insurance for debris removal expense, provided for under the Debris Removal Additional Coverage, is increased from $10,000 to $25,000. Further, coverage for debris removal is expanded to include the expense of removing debris of certain property of others. The total expense for all debris removal is subject to the limitations stated in the policy concerning amount of coverage, including the aforementioned additional limit of insurance. However, when no Covered Property sustains direct physical loss or damage, coverage for the removal of debris of others' property is limited to $5,000. The Outdoor Property Coverage Extension is revised to include debris removal expense for trees, shrubs and plants that are the property of others, except trees, shrubs and plants owned by the landlord of an insured tenant. Related Change: Debris Removal Additional Insurance Endorsement BP 14 09 makes reference to the aforementioned $25,000 limit. Business Income Additional Coverage – Extended Business Income The number of days' coverage under the Extended Business Income provision is increased from 30 to 60 days. Business Income From Dependent Properties Additional Coverage – Secondary Dependent Properties Coverage is extended with respect to secondary dependent properties which are limited to direct suppliers and recipients of the dependent property's materials or services. Business Personal Property Temporarily In Portable Storage Units Coverage Extension A Coverage Extension for Business Personal Property Temporarily In Portable Storage Units is introduced. Under this Coverage Extension, a 90-day coverage period is provided for Business Personal Property temporarily stored in a portable storage unit located within 100 feet of the described premises, subject to a sub-limit of $10,000 regardless of the number of storage units. NOTE TO INSURER: Property in a storage unit is not explicitly addressed in the current policy. Thus, the Coverage Extension generally represents a broadening of coverage. However, if an insurer previously treated property in a storage unit as property in the open, this change might be construed as a limitation in coverage due to the sub-limit and terms of coverage. Dishonesty Exclusion The Dishonesty Exclusion is revised to distinguish between those who have a role in the insured's business (partners, managers, employees, etc.) and others to whom property may be entrusted (a category that includes tenants and bailees, for example). With respect to the latter category, the exclusion is narrowed to apply only to theft. Further, the exception to the exclusion (which enables coverage for acts of destruction) is revised to extend applicability to authorized representatives. Specified Causes Of Loss Property Definition Coverage for water damage under the definition of "specified causes of loss" is expanded to include accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of certain off-premises systems due to wear and tear. REDUCTION IN COVERAGE Limitations The limitations which pertain to loss or damage to the interior of any building or structure caused by or resulting from rain, snow, sleet, ice, sand or dust are extended to apply to personal property in the building or structure. Newly Acquired Or Constructed Property Coverage Extension Under the Newly Acquired Or Constructed Property Coverage Extension, the provision which extends an additional limit of insurance to newly acquired business personal property at the described premises is removed. There is no change to the coverage for newly acquired business personal property at newly acquired locations or at newly constructed or acquired buildings at the described location. Employee Dishonesty Optional Coverage An exclusion is introduced to the Employee Dishonesty Optional Coverage to address acts of employees learned of by the insured prior to the policy period. OTHER CHANGES Business Personal Property The Business Personal Property coverage grant is revised to make it explicit that business personal property is covered when located in or on the buildings or structures at the described premises. Covered Causes Of Loss – Risk Of Loss The term "risk of" is removed from the Covered Causes Of Loss provision. Fire Department Service Charge Additional Coverage The Fire Department Service Charge Additional Coverage is revised to specify that the amount of such coverage ($2,500 or a designated higher limit) applies to each premises described in the Declarations. Further, the language of the coverage provision is revised to make it explicit that the designated limit applies regardless of the number of responders or the number or type of services performed. Business Income And Extra Expense Additional Coverages – Coverage Radius In part, the coverage criteria for the Business Income and Extra Expense Additional Coverages relate to loss or damage to personal property in the open or in a vehicle within a certain distance from the described premises. The language relating to the coverage radius is revised to achieve more similarity between the radius outlined for insureds who are occupants of the entire premises and those who occupy only a part of the premises, and to use terminology similar to that used in the Business Personal Property coverage grant. Ordinance Or Law Exclusion The language of the Ordinance Or Law Exclusion, which relates to enforcement of an ordinance or law, is revised to also refer to compliance with an ordinance or law. Similar references are revised in the Increased Cost Of Construction (ICC) and Business Income From Dependent Properties Additional Coverages, Loss Payment Condition and the Period of Restoration definition. Further, the ICC Additional Coverage is revised to explicitly refer to compliance with the minimum standards of an ordinance or law. Temporary Or Leased Employees The Personal Effects Coverage Extension, the Dishonesty Exclusion and the Money And Securities Optional Coverage are revised to reinforce that employees include temporary or leased employees. Business Income From Dependent Properties Additional Coverage The Business Income From Dependent Properties Additional Coverage is revised to provide coverage with respect to secondary dependent properties. Such properties are defined within this Additional Coverage. Additionally, the definition of dependent property excludes various utility providers; the list of utilities is updated to make reference to wastewater removal services. With respect to Business Income Coverage, loss caused by interruption in utility service is addressed in Endorsement BP 04 57. Refer to the item titled Utility Services – Time Element Endorsement BP 04 57. Earth Movement Exclusion The Earth Movement Exclusion now makes explicit reference to earth movement caused by an act of nature or otherwise caused. In addition, the term earthquake now incorporates tremors and aftershocks. With respect to coverage for volcanic action (which is a limited exception to the exclusion of volcanic eruption), all such eruptions that occur within any 168-hour period constitute a single occurrence. Loss Payment Property Loss Condition The Loss Payment Property Loss Condition is editorially revised and an illustrative example is provided. -------------------------------------------------------------------------------- SECTION II – LIABILITY BROADENINGS OF COVERAGE Liquor Liability Exclusion The Liquor Liability Exclusion is revised to provide that, for the purposes of the exclusion, permitting a person to bring alcoholic beverages for consumption on an insured's premises (e.g., a "Bring Your Own"), whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. NOTE TO INSURER: This change may be considered a broadening in coverage in that it contains an express exception to the exclusion with respect to allowing a person to bring alcoholic beverages for consumption on their premises. Electronic Data Exclusion An exception to the Electronic Data Exclusion is introduced to provide that the exclusion does not apply to liability for damages because of bodily injury. REDUCTION IN COVERAGE Liquor Liability Exclusion The Liquor Liability Exclusion is revised to explicitly state that the Liquor Liability Exclusion applies even if the claims allege the negligence or other wrongdoing in: • The supervision, hiring, employment, training or monitoring of others; or • Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph (1), (2) or (3) of the exclusion. OTHER CHANGES War Liability Exclusion The War Liability Exclusion is editorially revised. Personal And Advertising Injury Exclusion The Personal And Advertising Injury Exclusion is revised for consistency with the definition of personal and advertising injury. -------------------------------------------------------------------------------- SECTION III – COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I – PROPERTY AND SECTION II – LIABILITY) BROADENINGS OF COVERAGE NOTE TO INSURER: No changes were made which resulted in a broadening of coverage. REDUCTION IN COVERAGE NOTE TO INSURER: No changes were made which resulted in a reduction of coverage. OTHER CHANGES Other Insurance Condition The Other Insurance Condition is editorially revised. ENDORSEMENTS BROADENINGS OF COVERAGE BP DS 07 – Photography – Supplemental "Photographic Equipment" Schedule This endorsement may be used to describe individual articles of "photographic equipment" at scheduled limits. BP 04 41 – Business Income Changes – Time Period This endorsement is revised to reflect changes made to the Business Income From Dependent Properties Additional Coverage in the Businessowners Coverage Form with respect to secondary dependent properties. BP 04 57 – Utility Services – Time Element This endorsement is revised to provide the means to select a new category of utility service: wastewater removal property. With respect to the coverage provided under this endorsement, wastewater removal property is a utility system for removing wastewater and sewage from the described premises, other than a system designed primarily for draining storm water. BP 05 95 – Electronic Data Liability – Limited Coverage This endorsement is revised for consistency with the Electronic Data Exclusion in the Businessowners Coverage Form by adding an exception to provide that the exclusion does not apply to liability for damages because of bodily injury. BP 07 83 – Photography This new endorsement addresses the specialized coverage needs of photographer risks. BP 07 84 – Photography – Makeup And Hairstyling This endorsement provides an option relating to liability coverage, indicating the Professional Services Exclusion does not apply, with respect to makeup application or hairstyling services provided in connection with the operation of the Named Insured's business as a photographer. BP 07 87 – Photography – Amendment Of Coverage Territory For "Photographic Equipment" – Worldwide Coverage This endorsement expands the property coverage territory for "photographic equipment" to worldwide, except for any countries listed in the Schedule and those countries subject to trade or other economic sanction or embargo by the United States of America. BP 08 07 – Pharmacists This endorsement is revised to include an exception to the Professional Services Exclusion with respect to the administering of vaccinations in accordance with applicable state or federal law. BP 10 09 – Named Perils The Dishonesty Exclusion applicable to the Accounts Receivable and Valuable Papers And Records Coverage Extensions in this endorsement is revised in the same manner as the Dishonesty Exclusion in Section I – Property of the Businessowners Coverage Form. BP 10 79 – Flood Coverage Under the Flood Coverage endorsement, there is no coverage for loss resulting from a flood which begins before or within 72 hours after the inception date of the endorsement. This endorsement is revised to provide that the aforementioned 72-hour waiting period will not apply when the prior policy included flood coverage and the policy periods are consecutive without a break in coverage. Further, the similar 72-hour waiting period for an increase in the Limit of Insurance will not apply to an increase executed at the time of renewal. Also, this endorsement is revised to add drains and sumps to the provision which covers back-up and overflow from a sewer when such discharge occurs within 72 hours after a flood recedes. BP 14 79 – Specified Business Personal Property Temporarily Away From Premises This new endorsement provides coverage for business personal property temporarily away from the described premises in the course of daily business activities while in the care, custody or control of the insured or an employee of the insured. BP 14 82 – Increase In Rebuilding Expenses Following Disaster (Additional Expense Coverage On Annual Aggregate Basis) This new endorsement provides limited coverage for the situation in which the cost of repair/replacement of property exceeds the Limit of Insurance due to increases in the cost of labor and/or materials following a disaster. BP 14 83 – Employee Dishonesty – Named Employee(s) This new endorsement provides an exception to an exclusion contained in the Employee Dishonesty Optional Coverage. It may be used to schedule a certain employee(s) that is known to have previously committed theft or any other dishonest act prior to the effective date of the policy. The scheduled employee(s) would no longer be subject to the exclusion under the Employee Dishonesty Optional Coverage. BP 14 87 – Additional Insured – Owners, Lessees Or Contractors – With Additional Insured Requirement For Other Parties In Construction Contract This endorsement provides additional insured status to those parties whom the Named Insured is obligated in writing in a contract or agreement to name as an additional insured under their policy. BP 14 89 – Liquor Liability Coverage – Bring Your Own Alcohol Establishments This endorsement extends Business Liability Coverage, to include bodily injury or property damage arising out of the selling, serving or furnishing of any alcoholic beverages, to insureds who permit any person to bring any alcoholic beverage on their premises, for consumption on the premises, whether or not a fee is charged for such activity. BP 17 01 – Condominium Association Coverage This endorsement is revised to convey that coverage extends 100 feet from the building or 100 feet from the described premises, whichever distance is greater. BP 17 02 – Condominium Commercial Unit-owners Coverage This endorsement is revised to convey that coverage extends 100 feet from the building or 100 feet from the described premises, whichever distance is greater. Additionally, this endorsement is revised to include leased personal property which the Named Insured has a contractual responsibility to insure as Business Personal Property. BP 17 03 – Condominium Commercial Unit-owners Optional Coverages This endorsement is revised to provide the means for selecting a limitation (sub-limit) over $1,000 for assessments that result from a deductible in the insurance purchased by the condominium association. Coverage is broadened if a sub-limit over $1,000 is entered in the Schedule of the endorsement. REDUCTION IN COVERAGE BP 04 19 – Amendment – Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities The Liquor Liability Exclusion in this endorsement is revised, in part, to indicate that the causing or contributing to the intoxication of any person includes causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises for consumption on your premises. This endorsement is also revised to indicate that the Liquor Liability Exclusion will apply if an insured permits any person to bring any alcoholic beverages on the Named Insured's premises, for consumption on the Named Insured's premises, except for the premises described in the Schedule of the endorsement for consumption on such premises. BP 14 81 – Limitations On Coverage For Roof Surfacing This new endorsement includes provisions for covering roof surfacing at actual cash value on a building otherwise subject to replacement cost valuation and for excluding cosmetic damage by windstorm or hail to roof surfacing. One or both of these limitations may be indicated on the Schedule of the endorsement. BP 14 84 – Windstorm Or Hail Exclusion This endorsement generally excludes loss or damage caused directly or indirectly by windstorm or hail. BP 14 86 – Communicable Disease Exclusion This endorsement excludes coverage for liability arising out of the actual or alleged transmission of a communicable disease. BP 14 91 – Amendment Of Personal And Advertising Injury Definition This endorsement deletes the offense of oral or written publication, in any manner, of material that violates a person's right of privacy from the definition of personal and advertising injury. OTHER CHANGES BP DS 06 – Flood Coverage Schedule This endorsement is revised so that the Underlying Insurance Waiver can be made applicable by location. The Underlying Insurance Waiver is a provision in Flood Coverage Endorsement BP 10 79; the waiver applies to a location only if so indicated in the Flood Coverage Schedule. BP 04 19 – Amendment – Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities This endorsement is revised for consistency with revisions made to the Liquor Liability Exclusion in the policy. BP 04 30 – Protective Safeguards This endorsement is revised by the addition of a symbol and description to recognize hood-and-duct fire extinguishing systems. BP 04 31 – Food Contamination This endorsement is revised for consistency with the Commercial Property Program and to reinforce certain provisions, as follows: * Paragraph A.1.c. is revised to indicate that covered expenses include necessary medical tests or vaccinations for your employees (including temporary or leased employees) who are potentially infected by the food contamination. * The definition of "food contamination" is revised. BP 04 46 – Ordinance Or Law Coverage This endorsement is revised to reflect the revisions made to the Ordinance Or Law Exclusion in the Businessowners Coverage Form. BP 04 53 – Water Back-up And Sump Overflow This endorsement is revised to reinforce that coverage under this endorsement does not apply when sump pump failure is caused by or results from power failure unless the policy is endorsed to cover power failure. The endorsement is also revised to indicate that, for the purposes of this endorsement, the term drain includes a roof drain and related fixtures. Utility Services Coverage Endorsements – Overhead Transmission Lines * BP 04 56 – Utility Services – Direct Damage * BP 04 57 – Utility Services – Time Element These endorsements are revised to make it explicit that transmission lines include all lines which serve in the transmission of power or communication service, including lines which may be identified as distribution lines. BP 04 84 – Functional Building Valuation This endorsement is revised to reflect the revisions made to the Ordinance Or Law Exclusion in the Businessowners Coverage Form. BP 05 95 – Electronic Data Liability – Limited Coverage The definition of electronic data contained in this endorsement is revised for consistency with the same definition contained in the Businessowners Coverage Form. BP 05 96 – Electronic Data Liability – Broad Coverage The definition of electronic data contained in this endorsement is revised for consistency with the same definition contained in the Businessowners Coverage Form. BP 05 97 – Extended Reporting Period For Electronic Data Liability – Broad Coverage This endorsement is revised to reinforce that the Extended Reporting Period Aggregate Limit is equal to the applicable Electronic Data Liability Annual Aggregate Limit. BP 05 98 – Amendment Of Insured Contract Definition This endorsement is revised to reflect that the defined term insured contract addresses certain liability assumed by the Named Insured with respect to the tort liability of another party to the extent the assumption of the tort liability is permitted by law. BP 07 08 – Pesticide Or Herbicide Applicator – Limited Pollution Coverage The title of this endorsement is revised to better reflect the coverage provided. BP 07 75 – Apartment Buildings This endorsement is revised to reflect the revisions made to the Ordinance Or Law Exclusion in the Businessowners Coverage Form. BP 07 78 – Restaurants This endorsement is revised to reflect the revisions made to the Ordinance Or Law Exclusion in the Businessowners Coverage Form. It is also revised to reflect the revisions made to Food Contamination Endorsement BP 04 31. BP 07 81 – Residential Cleaning Services This endorsement is revised to refer to "an identified employee" for consistency with ISO's Crime And Fidelity Program. BP 10 03 – Earthquake This endorsement is revised to explicitly address the Building and/or Business Personal Property Limit Of Insurance shown in the Declarations. BP 10 09 – Named Perils This endorsement is revised, as a consequence of generally extending insured property status to the vegetation which is part of a vegetated roof, by adding a limitation which states that such vegetation is not covered with respect to loss or damage caused by hail. BP 14 04 – Windstorm Or Hail Losses To Roof Surfacing – Actual Cash Value Loss Settlement This endorsement is revised by the addition of a definition of roof surfacing. BP 14 09 – Debris Removal Additional Insurance This endorsement is revised to reference the $25,000 underlying amount of additional insurance. BP 14 75 – Increased Cost Of Loss And Related Expenses For Green Upgrades The Schedule of this endorsement is revised to facilitate identification of personal property (when not all personal property is to be covered for Green Upgrades) and to facilitate the entry of different percentage selections for the building and personal property. Paragraphs B.1.a. and B.1.b. are revised to simplify the calculation described therein, with no change in the outcome. Paragraph B.1.d. is added to explicitly address the situation in which the property loss is less than the deductible. The provisions of former Paragraph B.10., concerning vegetated roofs, are incorporated into the Businessowners Coverage Form, as discussed in the Vegetated Roofs item. BP 14 78 – Exclusion Of Loss Due To By-products Of Production Or Processing Operations (Rental Properties) This new endorsement, which applies to policies issued to owners and tenants of rental premises, reinforces that "property damage" and "business interruption" coverages do not apply to loss or damage to the described premises caused by or resulting from smoke, vapor, gas or any substance released in the course of production operations or processing operations performed at the rental units identified in the Schedule of the endorsement. But loss or damage by fire or explosion that results from the release of a by-product of the production or processing operation is not excluded. NOTE TO INSURER: There is no change in intended coverage. With respect to individual insurers, impact may vary based on past claims and loss settlement history. BP 14 80 – Higher Limits This new endorsement increases certain specified dollar limitations. NOTE TO INSURER: The Declarations or this endorsement can be used to increase certain dollar limitations. Refer to Rule 29.A.35. in CLM Division Ten for additional information. BP 14 88 – Primary And Noncontributory – Other Insurance Condition This endorsement revises the Other Insurance Condition to indicate that coverage is provided to an additional insured on a primary and noncontributory basis. BP 17 01 – Condominium Association Coverage This endorsement is revised to make it explicit that Business Personal Property is covered when located in or on the buildings or structures at the described premises. BP 17 02 – Condominium Commercial Unit-owners Coverage This endorsement is revised to make it explicit that Business Personal Property is covered when located in or on the buildings or structures at the described premises. BP 04 02 – Additional Insured – Managers Or Lessors Of Premises BP 04 06 – Additional Insured – Controlling Interest BP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises BP 04 09 – Additional Insured – Mortgagee, Assignee Or Receiver BP 04 10 – Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased BP 04 11 – Additional Insured – Co-owner Of Insured Premises BP 04 13 – Additional Insured – Engineers, Architects Or Surveyors BP 04 16 – Additional Insured – Lessor Of Leased Equipment BP 04 47 – Additional Insured – Vendors BP 04 48 – Additional Insured – Designated Person Or Organization BP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not Engaged By The Named Insured BP 04 50 – Additional Insured – Owners, Lessees Or Contractors – Scheduled Person Or Organization BP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With Additional Insured Requirement In Construction Contract BP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations BP 14 02 – Additional Insured – Owners, Lessees Or Contractors – Completed Operations BP 14 05 – Additional Insured – Grantor Of Franchise These additional insured endorsements are revised to: * Add language, in response to the growing number of states enacting anti-indemnification laws, to provide that the insurance afforded to an additional insured only applies to the extent permitted by law; * Provide that, if coverage provided to the additional insured is required by contract or agreement, the insurance afforded to the additional insured will not be broader than that which the Named Insured is required by the contract or agreement to provide for the additional insured; and * Provide that, if coverage provided to the additional insured is required by contract or agreement, the most the insurer will pay on behalf of the additional insured is the amount of insurance required by the contract or agreement or the amount of insurance available under the applicable Limits Of Insurance shown in the Declarations, whichever is less. The provision also provides that the endorsement will not increase the applicable Limits Of Insurance shown in the Declarations. NOTE TO INSURER: When these endorsements are attached to a policy, if coverage provided to the additional insured is required by contract or agreement, coverage to the additional insured will be afforded to the extent permissible by law and to the extent the Named Insured is required by the contract or agreement to provide insurance for the additional insured. Additionally, if coverage provided to the additional insured is required by contract or agreement, the limits of insurance of the Named Insured's policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits Of Insurance shown in the Declarations, whichever is less. BP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises BP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations These endorsements are revised to explicitly allow for any governmental agency or subdivision (federal or state) to be named as an additional insured. Additionally, the endorsements are revised to address situations in which a permit may not be issued, but rather the governmental agency or subdivision authorizes the insured to perform operations. The endorsements now reference the issuing of permits or authorizations to the insured. BP 04 13 – Additional Insured – Engineers, Architects Or Surveyors BP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not Engaged By The Named Insured BP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With Additional Insured Requirement In Construction Contract These additional insured endorsements are revised for consistency with BP 04 50 – Additional Insured – Owners, Lessees Or Contractors – Scheduled Person Or Organization by: * Specifically excluding completed operations coverage for an additional insured; and/or * Removing the Professional Services Exclusion, as a similar exclusion is already contained in the Businessowners Coverage Form. BP 04 31 – Food Contamination BP 07 01 – Contractors' Installation, Tools And Equipment Coverage BP 07 75 – Apartment Buildings BP 07 76 – Apartment Buildings – Loss Or Damage To Tenants' Autos (Legal Liability Coverage) BP 07 78 – Restaurants BP 07 79 – Restaurants – Loss Or Damage To Customers' Autos (Legal Liability Coverage) BP 07 81 – Residential Cleaning Services BP 10 09 – Named Perils These endorsements are revised to reinforce that employees include temporary or leased employees. BP 08 01 – Barber Shops And Hair Salons Professional Liability BP 08 03 – Optical And Hearing Aid Establishments BP 08 07 – Pharmacists BP 08 09 – Beauty Salons Professional Liability BP 14 15 – Limited Exclusion – Personal And Advertising Injury – Lawyers To reinforce the Professional Services Exclusion in these endorsements, the exclusion is enhanced to expressly address, in part, claims alleging negligence or other wrongdoing in the hiring, employment, training, supervision or monitoring of others by an insured. © Insurance Services Office, Inc., 2012 BP P 015 07 13

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Introducing Neptune Flood

It gives us immense joy to share with you that after a successful Pilot launch in September, in collaboration with Neptune Flood [https://neptuneflood.com/] we now offer Flood Insurance on our Attune portal. As Flood coverage becomes all the more important for our small businesses we are glad to be of assistance. Why this Partnership? Because we listen to you. Attune’s focus is always the Brokers, and we want to provide you with access to a full suite of products and digital tools that simplify the full lifecycle of insurance. Just like Attune, Neptune Flood has leveraged both its technology and insurance expertise to create an innovative flood insurance product. It is the largest entirely digital flood insurance company in the United States and is the alternative to the NFIP and were founded to change the way consumers and businesses think about and buy flood insurance. Neptune uses AI-driven technology to make it fast and easy for consumers to buy, and agents to sell, insurance. About Neptune Flood Insurance Neptune Flood is a private digital flood MGA that aims to make getting a flood quote easier, less expensive, and to offer better coverage than the National Flood Insurance Program (NFIP) under FEMA. They can offer flood coverage to almost any business in minutes and without the need for an elevation certificate (EC). Neptune is backed by some of the largest insurance markets in the world and offers a leak-proof flood product with high limits and additional coverage. They use a number of carriers to place risk. All carriers are rated “A” (Excellent) or better by A.M. Best. Further, ​​Neptune doesn’t require agents to have certification/education requirements to sell Neptune like the NFIP does. The Commercial Flood Insurance Product highlights: * Coverage Highlights * Building Coverage up to $4,000,000 and Contents Coverage up to $500,000 * Option to add $25,000 in Business Interruption insurance * Unlike an NFIP policy, Neptune covers tenant improvement and betterments with no sub-limit Eligibility: * Non-residential risks * Building square footage A & X Zones: No minimum or maximum square footage V Zone: No minimum, maximum 25,000 square feet Note: based on entire building square footage, not only the occupied or leased / rented space * Available in every state but Alaska and Kentucky What’s in it for you? Flooding is the most frequently occurring natural disaster in the US and your client’s business needs protection. BOP or property insurance does not cover flood damage, so you must buy a separate flood policy. A lot of people turn to the NFIP (National Flood Insurance Program), but with Neptune Flood Insurance you can get higher limits, additional coverage options, save money with no requirement for the expensive elevation certificate, and save time with a shorter waiting period. Learn more Broker Webinar If Flood Insurance is new to you or you wish to know how you can access it through Attune, register here [https://us06web.zoom.us/webinar/register/8316365806029/WN_0XyzcLy-TOmmsPCdNPvrWw] for our Webinar we would be hosting with Neptune Flood on Thursday, Dec 16 at 1p.m. EST. If you have any questions or an urgent request, you can contact our team Monday through Friday from 9 a.m. to 6 p.m. ET at 1-888-530-4650 and via live chat in the Attune Portal [https://app.attuneinsurance.com/login?utm_source=marketing&utm_medium=email&utm_campaign=liberty-mutual-pilot-launch] or the Help Center [https://app.attuneinsurance.com/help-center].

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Introducing IVANS Download

We’re thrilled to share that we’ve partnered with IVANS to bring you the convenience and efficiency of Download, eDocs, and Messages. From July 2022 onwards you'll be able to transfer policy data in minutes, making your day to day operations easier and much more efficient. Staying true to Attune’s vision - we’re building the platform, knowledge, and capabilities to empower brokers of the future. What is IVANS Download? * IVANS Download allows you, Attune’s users to download all policies written via Attune directly to your Agency Management System (AMSs). * This feature enables the electronic transmission of insurance transactions in ACORD-compliant formats from partnering carriers to an AMS. * IVANS will transmit all post-bind policy, endorsement, and renewal meta-data and PDF files. * In this iteration we wouldn't be able to download commission statements. In short, IVANS Download automates data transmission from Attune’s carrier partner (ex. Accredited) to your Agency Management System and eliminate the need to do it manually. Why are we launching this feature? * We listen to you, our brokers. This was one of the most requested features, and we work to make your workflow easier. * Our goal is to provide you with the best Attune experience and make insurance as easy as it should be. How does it benefit you? By automating policy-related information and document exchange directly into your agency’s systems we eliminate the need for you to re-enter policy information which would: * Save time, money, and effort * Increase data accuracy * Reduce errors and omissions exposure * Allow you to allocate more time to your business, less on administration What exactly is the ‘Y-code’ that we are asking from you? * It is every registered agency’s unique code with IVANS. * In order to pass IVANS Download files to our users, we’re required to match your agency’s producer code to its IVANS Y-Account for each policy issued. * Fill out this form [https://app.attuneinsurance.com/help-center/form/request-ivans] to submit your Y-account information. Does IVANS support all insurance products on Attune portal? IVANS Download is supported by EMPLOYERS®, Hiscox, and Liberty Mutual. For each carrier, it must be available for a specific product or Line of Business (e.g., it may be available for Hiscox GL, but not BOP). Eligible Attune Products: * Accredited BOP+ * Blackboard BOP * Liberty Mutual BOP * Hiscox General Liability * Hiscox Professional Liability * EMPLOYERS® Workers’ Compensation When are we launching IVANS Download? IVANS Download is live as of July 2022. What should you do if you aren’t registered with IVANS and don’t have a Y-code? * Have an IVANS account? Fill out this form [https://app.attuneinsurance.com/help-center/form/request-ivans] to submit your Y-account information. * Want to sign up with IVANS?  Fill out this form [https://app.attuneinsurance.com/help-center/form/new-ivans].

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2021 Attune Raffle Promotion

Promotion Terms The Attune Raffle  Promotion is sponsored by Attune Insurance Services, LLC, 83 Maiden Lane, Floor 6, New York, NY 10038 (Attune). Promotion Name: 2021 Attune Raffle Promotion Territory: All States and the District of Columbia (except where insurance products aren’t approved). Start Date: Friday, Oct. 1, 2021, at 12:01 a.m. ET End Date: Friday, Dec. 31, 2021, at 11:59 p.m. ET Description of Promotion: The 2021 Attune Raffle Promotion Promotion will provide Attune-accredited brokers the opportunity to receive one of the following prizes: * Grand Prize: submit your holiday shopping list and we will pay you back (up to $1,500) * $500 Gift Card * Apple Watch * Apple iPad * Two tickets to a favorite sports event, show, or concert (up to $300) * Dinner at your favorite restaurant(s) (up to $250) Eligible participants will receive the following amount of entries based on their Attune activity: * One entry for each quote * Three entries for each bind All quoting and binding activity across all Attune products (Blackboard BOP, Accredited BOP+, AIG (New Hampshire Company) Excess, EMPLOYERS® Workers' Compensation, and Hiscox's General Liability and Professional Liability) regardless of effective date are eligible for this promotion. Please note, a full list of eligibility guidelines and classes is located in the Attune Portal. If a policy does not qualify or if it is canceled before Dec. 31, 2021, it will not count towards raffle entry counts. The 2021 Attune Raffle Promotion drawing will take place on Tuesday, Jan. 4, 2022, and we’ll notify winners by Wednesday, Jan. 5, 2022. By participating, sub-producers/employees agree to the following rules governing the promotion: * The promotion is open only to licensed insurance sub-producers or employees under the supervision of a licensed sub-producer having an in-force contract with Attune who are invited to participate by Attune. * No reward may be passed through in whole or in part to any customer. * The sub-producer will defend and indemnify Attune against any claim by any employee of the sub-producer or any other person or organization. * The promotion may not be available in all states and is void where prohibited by law. * The promotion is not a guarantee that insurance coverage will be bound. * Sub-producers and employees are solely responsible for compliance with any applicable laws and regulations regarding producer compensation. * Attune is not acting as an agent for any insurance company in relation to the promotion. No reward granted is deducted from premiums. * Attune reserves the right to suspend, modify or cancel the promotion for any reason and at any time. * Attune, in its sole discretion, may disqualify any sub-producer found to be engaged in dishonesty or fraud with regard to the promotion or the business of insurance. * The promotion is not part of the Attune producer contract. Nothing in the promotion or in these terms amends or alters the producer contract between Attune and the sub-producer. * If a policy does not qualify or if it is canceled before the end of its term, the standard commission rates will apply. * The sub-producer agrees that any claim or dispute regarding the promotion will be resolved exclusively and finally by binding arbitration in New York, NY in accordance with the current commercial arbitration rules of the American Arbitration Association.

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Coalition + Attune FAQ

We're thrilled to announce were acquired by Coalition, Inc. (Coalition) [https://www.coalitioninc.com/blog/welcome-attune-insurance], a leading cyber insurance and security provider, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition is another insuretch committed to the broker, leveraging data analytics and technology to improve small business insurance. Q: Who is Coalition? A: Coalition Insurance [https://www.coalitioninc.com/] is a leading provider of cyber insurance and security, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition provides companies with up to USD $15 million of cyber and technology insurance coverage in all 50 states and the District of Columbia, as well as CAD $20M of coverage across 9 provinces and 3 territories in Canada. Coalition's cyber risk management platform provides automated security alerts, threat intelligence, expert guidance, and cybersecurity tools to help businesses remain resilient in the face of cyberattacks. Q: Who supports Coalition’s product? A: Coalition’s products are offered with the financial security of Swiss Re Corporate Solutions* legal entities (A.M. Best A+ rating), Lloyd’s of London (A.M. Best A rating), Arch Specialty Insurance Company (A.M. Best A+ rating), and Argo Pro US** (A.M. Best A- rating). Q: As an Attune customer, is there anything I need to do now? A: Nope! This acquisition will not impact your current Attune experience. It’s making it even better. You'll still have access to the Attune Portal and products we offer. Q: What’s next for Attune? A: We’re working to bring you new products, classes, portal features, and carrier relationships. Together, we will bring you: * New products and classes faster * Continued commitment to risk management and new tools that make the brokers' life easier * Direct access to new carriers * New portal features and an even more streamlined functionality Keep an eye out for more updates to come soon. If you have additional questions, please contact your Attune representative or our Customer Care Team [https://app.attuneinsurance.com/help-center].

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Coalition Completes Acquisition of Attune Insurance

SAN FRANCISCO, CA — October 5, 2021 — Coalition, the leading cyber insurance and security provider, today announced that it has acquired Attune, a managing general agent (MGA) and technology-powered broker platform for commercial insurance. The acquisition of Attune creates the world’s largest commercial insurtech and positions the combined entity to capture a $100 billion+ market opportunity in the P&C insurance market. This acquisition brings together two companies with a vision to offer digitally-powered insurance that can leverage vast amounts of data to assess, mitigate, and eliminate risk for businesses. Coalition will expand the reach of its cyber insurance to more policyholders through the Attune marketplace. Coalition will also apply the advances they’ve made in analytics and machine learning to an expanded set of Attune’s insurance offerings over time. The combined company is already delivering over $500M in run rate GWP. “We are thrilled to join forces with Attune to carry out our shared mission of providing security for all,” said Joshua Motta, CEO and co-founder of Coalition. “Together, our companies will define the future of insurance by applying data and technology expertise to mitigate current and emerging risk, expand our insurance offerings to keep more businesses safe, and build a better experience for insurance brokers and their clients.” With the addition of Coalition’s products to Attune’s broker platform and marketplace, brokers will be able to access a wide variety of leading insurance products from a single interface to more efficiently meet their clients’ needs. Coalition’s proactive risk management platform, Coalition Control, will also be made available to all Attune policyholders to help them proactively monitor and prevent risks to their organizations. “I am excited for our teams to work with one another to offer more digitally-powered insurance products to more brokers and help organizations mitigate risk,” said James Hobson, CEO of Attune. “Our brokers will soon be able to offer businesses access to Coalition cyber insurance alongside the business owner policies, general liability, and other leading Attune products in a comprehensive package.” With the close of this acquisition, the combined company now serves over 130,000 policyholders. The combined Attune-appointed brokers will continue to have access to the Attune marketplace where they’ll find a number of additional lines of insurance including BOP (Businessowners’ Policy), Workers’ Compensation, General Liability, Professional Liability, and Excess Liability insurance, as well as Coalition’s cyber insurance offering. Attune will continue to operate as a standalone business with access to Coalition’s leading technology and data capabilities to enhance underwriting and risk management. Both the Coalition and Attune teams are poised for growth and will continue to scale into 2022 and beyond. To learn more about Coalition and this acquisition, visit Coalition’s blog [https://www.coalitioninc.com/blog/welcome-attune-insurance] or coalitioninc.com [https://www.coalitioninc.com/].

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Attune’s Advantage Retail Q4 Promotion

Promotion Terms Attune’s Advantage Retail Promotion is sponsored by Attune Insurance Services, LLC, 83 Maiden Lane, Floor 6, New York, NY 10038 (Attune). Promotion Name: Attune’s Advantage Retail Promotion Territory: All States and the District of Columbia (except where insurance products aren’t approved). Start Date: Friday, Oct, 1, 2021, at 12:01 a.m. ET End Date: Friday, Dec. 31, 2021, at 11:59 p.m. ET Description of Promotion: Attune’s Advantage Retail Promotion will provide Attune-accredited brokers the opportunity to receive a one-time commission bonus based on their Attune activity. We will provide a one-time bonus payout in the corresponding amount to the new business premium thresholds outlined below: * $15,000 in Q4 New Business – earn an extra $1,500 cash bonus * $25,000 in Q4 New Business – earn an extra $2,500 cash bonus * $50,000 in Q4 New Business – earn an extra $5,000 cash bonus * $100,000 in Q4 New Business – earn an extra $10,000 cash bonus We will provide commission bonus payouts for new business Blackboard BOP, Accredited BOP+, AIG (New Hampshire Company) Excess, EMPLOYERS® Workers' Compensation, and Hiscox's General Liability and Professional Liability policies (regardless of the effective date) bound between Oct 1 and Dec. 31, 2021. Please note, a full list of eligibility guidelines and classes is located in the Attune Portal [https://app.attuneinsurance.com/login]. If a policy does not qualify or if it is canceled before the payout date, it will not count towards the final premium amount. The one-time commission bonus payout will occur on or before Friday, Jan. 28, 2022. By participating, sub-producers/employees agree to the following rules governing the promotion: * The promotion is open only to licensed insurance sub-producers or employees under the supervision of a licensed sub-producer having an in-force contract with Attune who are invited to participate by Attune. * No reward may be passed through in whole or in part to any customer. * The sub-producer will defend and indemnify Attune against any claim by any employee of the sub-producer or any other person or organization. * The promotion may not be available in all states and is void where prohibited by law. * The promotion is not a guarantee that insurance coverage will be bound. * Sub-producers and employees are solely responsible for compliance with any applicable laws and regulations regarding producer compensation. * Attune is not acting as an agent for any insurance company in relation to the promotion. No reward granted is deducted from premiums. * Attune reserves the right to suspend, modify or cancel the promotion for any reason and at any time. * Attune, in its sole discretion, may disqualify any sub-producer found to be engaged in dishonesty or fraud with regard to the promotion or the business of insurance. * The promotion is not part of the Attune producer contract. Nothing in the promotion or in these terms amends or alters the producer contract between Attune and the sub-producer. * If a policy does not qualify or if it is canceled before the end of its term, the standard commission rates will apply. * The sub-producer agrees that any claim or dispute regarding the promotion will be resolved exclusively and finally by binding arbitration in New York, NY in accordance with the current commercial arbitration rules of the American Arbitration Association.

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Attune joins Coalition!

Since 2017, we have always believed in the broker. That's why we've spent the last four years working tirelessly to bring you new products and make your insurance experience for small commercial clients as easy as possible. You joined us on this journey, and we experienced tremendous growth together.  Along the way, we began looking for investors and companies that aligned with our growth strategy and could help accelerate our offering. Today, we're one step closer to becoming your one-stop shop for commercial insurance, and we couldn’t be more excited. We were acquired by Coalition, Inc. (Coalition) [https://www.coalitioninc.com/blog/welcome-attune-insurance], a leading cyber insurance and security provider, combining comprehensive insurance and proactive cybersecurity tools to help businesses manage and mitigate cyber risk. Coalition is another insuretch committed to the broker, leveraging data analytics and technology to improve small business insurance. Together, we will bring you: * A first-in-class customer experience, reducing friction and leveraging automation * New, better, and tailored products to emerging risks * New technologies and data to insurance to transform the insurance experience and risk management This acquisition will not impact your current Attune experience. It’s making it even better. When we looked for partners, we kept you and your feedback at the forefront of our minds. We wouldn’t have made this decision if we felt it wasn’t in your best interest. Both the Attune and Coalition teams share the same mindset [https://www.coalitioninc.com/blog/welcome-attune-insurance] - we believe in the power of the broker, and we’re working to allow you to do even more. We have exciting products and portal features are coming your way, so keep an eye out for more information from our team. Thank you for getting Attune to this milestone, and we can’t wait to share more details with you soon. -The Attune Team

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Attune’s Advantage Wholesale Q4 Promotion

Promotion Terms Attune’s Advantage Wholesale Promotion is sponsored by Attune Insurance Services, LLC, 83 Maiden Lane, Floor 6, New York, NY 10038 (Attune). Promotion Name: Attune’s Advantage Wholesale Promotion Territory: All States and the District of Columbia (except where insurance products aren’t approved). Start Date: Friday, Oct, 1, 2021, at 12:01 a.m. ET End Date: Friday, Dec. 31, 2021, at 11:59 p.m. ET Description of Promotion: Attune’s Advantage Wholesale Promotion will provide Attune-accredited brokers the opportunity to receive a one-time commission bonus based on their Attune activity. We will provide a one-time bonus payout in the corresponding amount to the new business premium thresholds outlined below: * $100,000 in Q4 New Business  - earn an extra $2,500 bonus * $150,000 in Q4 New Business  - earn an extra $5,000 bonus * $300,000 in Q4 New Business – earn an extra $10,000 bonus * $500,000 in Q4 New Business – earn an extra $15,000 bonus We will provide commission bonus payouts for new business Blackboard BOP, Accredited BOP+, AIG (New Hampshire Company) Excess, EMPLOYERS® Workers' Compensation, and Hiscox's General Liability and Professional Liability policies (regardless of the effective date) bound between Oct 1 and Dec. 31, 2021. Please note, a full list of eligibility guidelines and classes is located in the Attune Portal [https://app.attuneinsurance.com/login]. If a policy does not qualify or if it is canceled before the payout date, it will not count towards the final premium amount. The one-time commission bonus payout will occur on or before Friday, Jan. 28, 2022. By participating, sub-producers/employees agree to the following rules governing the promotion: * The promotion is open only to licensed insurance sub-producers or employees under the supervision of a licensed sub-producer having an in-force contract with Attune who are invited to participate by Attune. * No reward may be passed through in whole or in part to any customer. * The sub-producer will defend and indemnify Attune against any claim by any employee of the sub-producer or any other person or organization. * The promotion may not be available in all states and is void where prohibited by law. * The promotion is not a guarantee that insurance coverage will be bound. * Sub-producers and employees are solely responsible for compliance with any applicable laws and regulations regarding producer compensation. * Attune is not acting as an agent for any insurance company in relation to the promotion. No reward granted is deducted from premiums. * Attune reserves the right to suspend, modify or cancel the promotion for any reason and at any time. * Attune, in its sole discretion, may disqualify any sub-producer found to be engaged in dishonesty or fraud with regard to the promotion or the business of insurance. * The promotion is not part of the Attune producer contract. Nothing in the promotion or in these terms amends or alters the producer contract between Attune and the sub-producer. * If the sub-producer receives commission directly for business written by sub-producers under a separate contract addendum with Attune or if the sub-producer receives commission to a single bank account for all premium written in the aggregate for all branch office producer codes, all sub-producer and branch office producer codes will be aggregated for the purposes of calculating the overall premium and qualification for the promotion. * If a policy does not qualify or if it is canceled before the end of its term, the standard commission rates will apply. * The sub-producer agrees that any claim or dispute regarding the promotion will be resolved exclusively and finally by binding arbitration in New York, NY in accordance with the current commercial arbitration rules of the American Arbitration Association.

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We updated our underwriting guidelines

09/24/2021 Revised Attune BOP and Excess Guidelines BOP Updates - Going live in early October There have been a few changes with regards to acceptable exposures and available limits for our BOP products (Blackboard and Accredited) for new business. These changes are expected to be in effect in early October. Please find the highlighted changes below, everything else remains the same. Note, these changes will also apply to renewal business at a later date to be communicated. * Maximum GL limits of $1M per occurrence or $2M per aggregate when providing liquor coverage * Restaurant codes with liquor are now capped at a maximum liquor receipts of 30% of total sales * Total Insured Value (TIV) Max per location has been amended to $4.75M * TIV Max per policy has been amended to $9.5M XS Updates - Going live 09/25 In addition to these BOP changes, there has been a change to our Commercial Excess Liability Product (New Hampshire Insurance Company) for new business effective 09/25. Note, this change will not impact renewal accounts. * Maximum Excess Limits of $2M You might have some questions How does this affect existing policies/renewals? The BOP changes will go into effect on Blackboard renewals in early October.  They will also apply to all Accredited renewals and rollover policies at their effective date. The change to Excess Liability limits does not apply to renewal business. How does this affect new business? Any business quoted after the change is implemented will be subject to these new parameters. What about quotes with limits prior to these changes? We will honor quotes that were made before these changes went into effect. How are we handling endorsements? We cannot endorse any changes that are outside of these parameters. You can find the updated guidelines in the Attune Portal. [https://app.attuneinsurance.com/support]

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Don’t miss out on these promotions!

You have the ability to grow your business and the revenue you take home with these promotions we're currently running. The Attune Advantage Promotion Sharpen up those pencils and charge your laptop because the challenge is ON. From July 1-Sept. 30, 2021, you have the ability to earn even more cash bonus for your agency by binding new business premium across all our products. If you agency meets these thresholds, we’ll send you a one-time cash bonus! * $15,000 in New Business – earn an extra $1,500 bonus * $25,000 in New Business – earn an extra $2,500 bonus * $50,000 in New Business – earn an extra $5,000 bonus * $100,000 in New Business – earn an extra $10,000 bonus Here's more information about this promotion [__GHOST_URL__/attune-advantage-faq-2021q3/] along with the full promotion terms [__GHOST_URL__/attunes-advantage-retail-promotion-q32021/]. Earn $100 for Your Agency’s First WC Policy You can earn your agency a $100 gift card for its first Workers' Compensation policy written through Attune. All you (or someone from your agency) have to do is bind an EMPLOYERS® WC policy (regardless of the effective date) from now until Thursday, Sept. 30. If your agency qualifies for the $100, you'll have the option to select gift cards from places like Amazon, Lowes, Apple, Starbucks, Walmart, Target, Best Buy, and more. Here are the full terms and conditions of the promotion. [__GHOST_URL__/100-for-your-workers-compensation-policy-promotion-terms-2/] The clock’s ticking, and businesses are opening back up around the country. Don’t wait! Don’t wait! Head to the Attune Portal and get an admitted quote for your small business clients today. [https://app.attuneinsurance.com/login?utm_source=marketing&utm_medium=marketing-asset&utm_campaign=attune-advantage]

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