3.B.11

SPECIAL PERSONAL PROPERTY FORM

Dear [Name]:

We want to make you aware of a choice of securing broader coverage. Now you can replace the "specified or named cause of loss" insurance policies that cover your merchandise and other property with a "risks of direct physical loss" special personal property form. It provides coverage for your business property against most risks of direct physical loss. It may be written to cover merchandise, furniture, fixtures, equipment, as well as improvements you make to non-owned buildings at your expense.

Besides coverage for fire, windstorm, hail, explosion, riot, aircraft, vehicles, vandalism, sprinkler leakage, burglary and theft, and merchandise in transit; your property is also protected against loss from "unknown" hazards that cannot be anticipated. Of course there are certain exclusions such as war, wear and tear, etc.

We think it's a good idea to make a coverage and cost comparison of this commercial property policy against your present insurance coverage. I will call you soon for an appointment at your convenience.

Sincerely,