JOHN CULOTTA, Program Manager, extension 122

JOYCE STRACUZZA, Account Manager, extension 136

MARYELLEN BETANZOS, Underwriting Assistant, extension 138

1. How do we apply for coverage?

It's easy! Just ask your broker to mail or fax the completed required information as soon as you can. We can usually have the quote for you within a few days.

2. Are there minimum premiums?

Yes...our policies are subject to minimum premiums as follows:
$300,000. Limit, $660 minimum premium.
$500,000. Limit, $820 minimum premium.
$1,000,000. Limit, $1,135 minimum premium.

3. In what states is the coverage available?

ALL states, except Louisiana and Wyoming.

4. What information is required for a quote?

• Completed, signed Brownyard application.
• Completed, signed ACORD Application for Auto, Workers' Compensation and Property.
• Four-years of general liability loss run information.
• Copy of Broker's License and proof of Errors & Omissions Insurance

NOTE: Although there is no original signature required to quote, we will need the signed, original application to bind coverages.

5. What are your carriers ratings?

We only write our program through the very best carriers that have ratings of at least (Excellent) or better.

6. Is your Program admitted?

We provide admitted and non-admitted carriers.

7. Are your rates competitive?

The coverages we offer through our program are not only very broad, but very reasonably priced.

8. Can I get a lower premium if I go directly through Brownyard without a broker and their commission?

No, we value the relationship between you and your local insurance representative and encourage you to stay with a local broker for the best possible service.

9. Is Brownyard a member of the National Pest Control Association (NPCA)

Yes, we are.

10. Is CCC important? I have $100,000 in coverage on my current policy, isn't that enough?

CCC is property in the PCO's care custody and control belonging to their customer. It could be an oriental rug, a shelf of Hummel figures, valuable antiques, or mainframe computers and their data. All of these items may be valued at well over $100,000. Be safe, our policies can include this valuable coverage to the full occurrence limit you choose.

11. How do the Brownyard programs compare against my current insurance provider?

Take the Brownyard Challenge, its questions will help guide you to the proper answer.

12. Is Sudden And Accidental Pollution Coverage Important?

Yes, most pest control policies rely only on the Pesticide Herbicide Endorsement (CG2264) to provide coverage at the jobsite. Some have even followed our lead by offering Automobile Pollution Transit Coverage; but when faced with an unexpected pollution hazard, not on the road or at the jobsite, Brownyard provides Sudden and Accidental Pollution Coverage.

13. Is Site Pollution Clean Up Available?

Yes, We can provide Site Pollution Clean Up Coverage in most states to protect your company against Governmental Mandated clean up costs.

14. Is Termite Treatment sublimited?

No, Termite Treatment is covered as a completed operation to the full occurrence limit.

15. Are Termite Baiting Systems covered?

Yes, We believe in providing coverage for new, proven technology.

16. Is Integrated Pest Management (IPM) covered?

Yes, In our chemical sensitive society it is wise to use all means available, including low tech common sense solutions which are the cornerstone of IPM.

17. Can I get my Auto Coverage at Brownyard?

Yes, Commercial Auto is now available for PCO's in all states except Louisiana, Wyoming, Texas and Puerto Rico. Call our office for details.

18. Is Workers' Compensation coverage available?

Yes, it is in many states. Call Brownyard for details.

19. Does Brownyard write Property & Inland Marine coverage?

Yes!

20. If pesticides leak or spill from a container on my vehicle, do I have coverage?

Yes! Most other policies will only cover this type of claim if the vehicle is involved in a collision or overturn! Our auto transit pollution endorsement covers for leaks and spills of pesticides regardless of a collision or overturn!! This is very important coverage and should be taken very seriously.

21. Please check our link at buglaw.com for more information.