These descriptions are provided to assist you in choosing the correct survey type for your needs. If you need further assistance, please contact us.

Some SOPs (Standard Operating Procedures) Time Service: Our standard time service goal is 30 days. Current market conditions beyond our control (e.g. governmental shut-downs due to health concerns) will impact time service but we will continue to strive for this goal. For surveys which require an appointment, your insured's schedule may extend this time. For premium audits, the policy expiration date in relation to your order date may also extend this time. Rush Orders: We consider requests with less than 30 day time constraints to be rush orders. A "5 day" requirement could be potentially more difficult to complete than a "26 day" requirement. If you have a "rush" order, we will make every effort to complete the survey by your desired due date. When ordering that "5 day" rush request, you should contact your Account Manager and they will tell you, once they confer with our Operations Department, whether there will be any apparent difficulties in meeting your due date. This service is provided at no additional charge. If you have to have a rush case completed without fail and if your budget allows for additional charges, we can normally meet any due date by charging time and expenses. Abbreviated Surveys: Abbreviated Commercial Lines surveys are typically charged at 1 hour with a few "shorter" surveys being completed in less time. For you this represents a benchmark charge. For us, this also represents a benchmark charge derived from a budgeted amount of scheduled time to complete a "flat-rated" survey. If the risk size and/or operational scope exceeds our budgeted time, we have to either convert to hourly or do the best job we can with the budgeted time available (please see Abbreviated Survey Conversion). Abbreviated Survey Conversion: Unless instructed by you to the contrary (usually as part of our Account Manager's initial account set-up with your company) we will convert Abbreviated Commercial Lines surveys to exceed 1 hour based upon the risk size and/or operational scope. For example, if you order a CFSS on a 40,000 square foot manufacturing facility, we will convert this to hourly in order to have enough survey time to adequately inspect the risk and provide you with the level of detail you need to underwrite the risk. We do not convert surveys on a whim nor does conversion equate to "runaway" charges. We are sensitive to your needs and to controlling your costs. In many instances, a conversion might be an extra 1/4 to 1/2 hour. Certainly if your account has been set-up with a "no conversion" request, we will do the best job we can with the time available. Limited Surveys: Limited Commercial Lines surveys are appropriate for Surplus Lines markets. These surveys are typically flat-rated for 1 hour or less and are not converted to a more "in-depth" survey based upon the scope of the operation and/or physical size. Therefore, please realize that we will do the best job we can with the time available if you should order this on a larger risk and/or one with multiple operational exposures. Diagrams: Most survey descriptions will indicate if a diagram is automatically included. We are happy to provide diagrams on any survey type based upon your individual request in the Comments / Special Instructions section of an order. If you have "blanket" requirements for diagrams on survey types for which we would typically not automatically provide them, we will be happy to set-up this parameter on a global basis for your account. Building Valuations: Some survey descriptions indicate that "Building Valuation is provided when applicable". We view a valuation as "applicable" if the named insured is the building owner. If the named insured is a tenant, we do not complete a Building Valuation unless requested. We are happy to provide valuations on any survey type based upon your individual request in the Comments / Special Instructions section of an order. If you have "blanket" requirements for valuations, we will be happy to set-up this parameter on a global basis for your account. Photographs: We typically take photographs of uncontrolled hazards.

Commercial Lines Surveys

Abbreviated Commercial Lines Surveys

Limited Commercial Lines Surveys

Farm Surveys

Personal Lines Surveys

Premium Audit Services

Telephone Surveys

Commercial Lines Surveys View Standard Operating Procedures BOPB – Business Owners Package B Survey includes: Interior / Exterior Property, Premises Liability, Crime, & All Risk coverage; Diagram is always provided and a Building Valuation is provided when applicable. CFS – Commercial Fire Survey includes: Interior / Exterior Property coverage; Diagram is always provided and a Building Valuation is provided when applicable. CGL – Comprehensive General Liability (Completed Operations) Survey includes: Completed Operations / Premises Liability coverage designed for Contractor Risks with Off-Site / On-Site exposures; No Diagram or Building Valuation. CPP – Commercial Package Policy / MPS (Multi-Peril) Survey includes: Interior / Exterior Property, Premises Liability, Crime, & All Risk coverage; Diagram is always provided and a Building Valuation is provided when applicable. CVS – Commercial Vehicle Survey includes: Commercial Auto coverage designed for multiple vehicle fleet risks (CVSS can be utilized for 1-4 vehicles); No Diagram or Building Valuation. FFS – Farm Fire Survey includes: Interior / Exterior Property & Premises Liability coverage designed for Agricultural risks; Diagram(s) of all buildings are always provided along with Building Valuation of farm residence. Building Valuation(s) of outbuildings only by customer request. GLS – Garage Liability / GKLL (Garage Keepers Legal Liability) Survey includes: Interior / Exterior Property, Premises Liability, & Garage Liability coverage; Diagram and valuation are available upon request. IMC – Inland Marine - Contractors Equipment Survey includes: contractors equipment exposures; Interior / Exterior with focus on storage, security, operators, maintenance, and transportation. No Diagram or Building Valuation. For focus on Inland Marine exposures other than contractor's equipment, please contact an Account Manager and we will be happy to match your needs with one of our specialized inland marine reports. MTSC – Midwest Technical Safety Consultants services includes: Higher level Risk Assessment. We will need to speak with you to discuss the scope of the work. OLT – Premises Liability / Public Liability Survey includes: Interior / Exterior Premises Liability coverage; No Diagram or Building Valuation. PLS – Products Liability Survey includes: Products Liability coverage designed for Products exposure for Food & Beverage risks, Retail / Wholesale / Distributor risks, and Manufacturing / Assembly risks. A CGL survey is added for Installation / Service / Repair risks. No Diagram or Building Valuation. RCC – Replacement Cost Commercial Survey includes: Diagram and Commercial Building Valuation only. No other information provided. RCFF – Roof Commercial Full Survey includes: Detailed information regarding construction / geometry, condition, and wind / snow-loading; Interior and Exterior observation; No Diagram or Building Valuation. RES – Resurvey / Recommendations Check Resurvey should only be ordered for the purposes of checking recommendation compliance (please email or fax specific recs to be evaluated for compliance) and/or for specific inquiry and verification of a particular item (e.g., Has the roof been repaired?). If you had ordered a survey in the past and you want another full survey, please order the specific surveys you desire (e.g., BOPB, WCS). Survey includes: Narrative indicating previous rec(s) and corresponding compliance and/or Narrative in response to specific inquiry and verification. No Diagram or Building Valuation. RETA – Restaurant / Tavern Rider (to be completed with another survey) Survey includes: Interior survey designed for identification of commercial cooking (grease-vapor producing) exposures & controls; No Diagram or Building Valuation. Additional information dependent upon other survey(s) requested. WCS – Workers Compensation Survey includes: Interior / Exterior Workers Compensation coverage; No Diagram or Building Valuation. WD – Wind Supplement Survey includes: Detailed roof and wall construction and geometry with focus on wind loss susceptibility.

Abbreviated Commercial Lines Surveys View Standard Operating Procedures BOPA – Business Owners Package A Survey includes: Abbreviated Interior / Exterior Property & Premises Liability coverage; Diagram is always provided and a Building Valuation is provided when applicable. CFSS – Commercial Fire Short Form includes: Abbreviated Interior / Exterior Property coverage; Diagram is always provided and a Building Valuation is provided when applicable. COS – COPE Short Form includes: Abbreviated COPE (Construction / Occupancy / Protection / Exposure) survey. CPP – Commercial Package Policy / MPSS (Multi-Peril Short Form) Survey includes: Abbreviated Interior / Exterior Property, Premises Liability, Crime, & All Risk coverage; Diagram is always provided and a Building Valuation is provided when applicable. CRFS – Care Facility Survey includes: Abbreviated Interior / Exterior Property & Premises Liability coverage designed for Care Facilities (Day Care, Halfway House, Mental Health, Nursing Home, Rehab, etc.); No Diagram or Building Valuation. CSJS – Contractors Short Form Job Site Survey includes: Abbreviated Interior / Exterior Job Site Only survey; No Diagram or Building Valuation. CVSS – Commercial Vehicle Short Form Survey includes: Abbreviated Commercial Auto coverage designed for small (1-4 vehicle) risks; No Diagram or Building Valuation. GLSS – Garage Liability Short Form / GKLL (Garage Keepers Legal Liability) Survey includes: Interior / Exterior Property, Premises Liability, & Garage Liability coverage; Diagram and valuation are available upon request. LLS – Liquor Liability Survey includes: Abbreviated Interior / Exterior Liquor & Premises Liability coverage; No Diagram or Building Valuation. OLTS – Premises Liability / Public Liability Survey includes: Abbreviated Interior / Exterior Premises Liability coverage; Diagram is available upon request but No Building Valuation. RCCE – Roof Commercial Exterior Survey includes: Detailed information regarding construction / geometry and condition; Exterior observation; No Diagram or Building Valuation. RETA – Restaurant / Tavern Rider (to be completed with another survey) Survey includes: Interior Survey designed for identification of commercial cooking (grease-vapor producing) exposures & controls; No Diagram or Building Valuation. Additional information dependent upon other survey(s) requested. RETO – Restaurant / Tavern Only (to be completed by itself) Survey includes: Interior survey designed for identification of commercial cooking (grease-vapor producing) exposures & controls; No Diagram or Building Valuation. SPEC – Special Survey (Available by Agreement Only) Survey includes: Abbreviated Interior / Exterior Customer Specific survey. VPR – Vacant Property Report includes: Detailed evidence of vacancy or occupancy as well as overall condition. WCSS – Workers Compensation Short Form Survey includes: Abbreviated Interior / Exterior Workers Compensation coverage; No Diagram or Building Valuation. WD – Wind Supplement Survey includes: Detailed roof and wall construction and geometry with focus on wind loss susceptibility.

Limited Commercial Lines Surveys Limited or "Flat Rates" surveys are appropriate for Surplus Lines and/or where limited underwriting information is needed. Risks should be physically small and have limited scopes of operation. View Standard Operating Procedures CFEX – Commercial Fire Exterior Survey includes: Abbreviated Exterior Property coverage with square footage; No Diagram or Building Valuation. COS – COPE Short Form includes: Abbreviated COPE (Construction / Occupancy / Protection / Exposure) survey. SRS – Small Risk Survey includes: Fire and Liability sections plus any applicable operational exposure sections; and/or specific sections designated by you (e.g tell us what sections you want during the account set-up process). Recommendations included; Diagram and Building Valuation available upon request. RSR – Risk Survey Report includes: Fire and Liability sections plus operational exposure hazard identification. Recommendations included; No Diagram or Building Valuation. RCCE – Roof Commercial - Exterior includes: Detailed information regarding construction / geometry, condition, and wind / snow-loading; Exterior observation; No Diagram or Building Valuation. BVSC – Building Valuation Survey Commercial includes: Building Valuation. Note: if Diagram is not requested, square footage input for the Building Valuation will be based upon estimated square footage. If a Diagram is requested, square footage input will be based upon the calculated square footage. DIAG – Diagram includes: Building Diagram. VPR – Vacant Property Report includes: Detailed evidence of vacancy or occupancy as well as overall condition.

Farm Surveys Farm operations can be extremely varied ranging from the small-scale inactive or "hobby" farms to large-scale business enterprises. Your information needs may also vary regardless of the scale of the risk. Here are some logical survey options for your farm risks. Remember based upon your needs, survey types can be combined to create the most suitable report for your particular risk. For example, you may have a small, inactive farm that is primarily a residence with many outbuildings for which a DOS and OCS combination may suit your needs. We have created many "customized" farm inspection programs for clients so if you need help or do not see exactly what you think you need, please contact an Account Manager and we will be happy to assist you. View Standard Operating Procedures FFS – Farm Fire Survey includes: Interior / Exterior Property & Premises Liability coverage designed for Agricultural risks; Diagram(s) of all buildings are always provided along with Building Valuation of farm residence. Building Valuation(s) of outbuildings only by customer request. FFC – Farm Confinement includes sections specific to Hog & Poultry Confinement Operations: Construction, Fire Protection, Systems, Controls, Bio-Security, Environmental, etc.; Diagram(s) / Plot plans, Valuations by customer request. DOS – Dwelling Observation Survey includes: Exterior Property coverage and description of uncontrolled hazards; No Diagram or Building Valuation. Appointment is not required. DS – Dwelling Survey includes: Exterior Property & Liability coverage and description of uncontrolled hazards; Diagram and Building Valuation. Appointment is not required. OCS – Outbuilding Condition Survey includes: Interior / Exterior Property coverage of all outbuildings with attention given to electrical and heating systems, description of uncontrolled hazards; No Diagram or Building Valuation(s). Appointment is not required. Must be ordered with another survey. RCFF – Roof Commercial Full Survey includes: Detailed information regarding construction / geometry, condition, and wind / snow-loading; Interior and Exterior observation; No Diagram or Building Valuation. MTSC – Midwest Technical Safety Consultants services includes: Higher level Risk Assessment. We will need to speak with you to discuss the scope of the work. VPR – Vacant Property Report includes: Detailed evidence of vacancy or occupancy as well as overall condition.

Personal Lines Surveys View Standard Operating Procedures 4PT – Four Point Survey includes: Detailed interior / exterior survey of the Roof, Electrical, Heating, and Plumbing systems. For a State Wind Mitigation Survey, please contact us. DCP – Day Care Survey (Personal) includes: Interior / Exterior Property & Liability coverage, description of uncontrolled hazards, and information regarding Day Care operations; Diagram and Building Valuation. Appointment is not required. DOS – Dwelling Observation Survey includes: Exterior Property coverage and description of uncontrolled hazards; No Diagram or Building Valuation. Appointment is not required. DS – Dwelling Survey includes: Exterior Property & Liability coverage and description of uncontrolled hazards; Diagram and Building Valuation. Appointment is not required. EH – Electrical and Heating Survey includes: Detailed interior examination of electrical, heating, and plumbing systems; description of related uncontrolled hazards; No Diagram and Building Valuation unless EH is ordered with another survey that requires a Diagram and Building Valuation. Appointment required. EHS – Electrical and Heating Short Survey includes: Abbreviated interior examination of electrical, heating, and plumbing systems; description of related uncontrolled hazards; No Diagram and Building Valuation unless EHS is ordered with another survey that requires a Diagram and Building Valuation. Appointment required. HS – Homeowners Survey includes: Exterior Property & Liability coverage with extra pool and fire protection information, description of uncontrolled hazards; Diagram and Building Valuation. Appointment is not required. HSH – Homeowners Survey Hurricane includes: standard Homeowners Survey plus the addition of specific "hurricane" or "coastal" information such as roof configuration, window protection, etc. HVD – High Value Dwelling Survey includes: Detailed Interior / Exterior Property & Liability coverage including electrical and heating systems, attention given to construction items such as flooring, millwork, etc.; description of uncontrolled hazards; Diagram and Building Valuation. Appointment required. MHS – Mobile Home Survey includes: Exterior Property coverage with attention given to how mobile home is secured / placed, description of uncontrolled hazards; No Diagram or Building Valuation however dimensions are listed. Appointment is not required. OCS – Outbuilding Condition Survey includes: Interior / Exterior Property coverage of all outbuildings with attention given to electrical and heating systems, description of uncontrolled hazards; No Diagram or Building Valuation(s). Appointment is not required. Must be ordered with another survey. RPE – Roof Personal - Exterior includes: Detailed information regarding roof construction / geometry and condition; Exterior observation; No Diagram or Building Valuation. RPF – Roof Personal - Full includes: Detailed information regarding roof construction / geometry and condition; Interior and Exterior observation; No Diagram or Building Valuation. THS – Tenant Homeowners Survey includes: Interior (common areas) / Exterior Property coverage, description of uncontrolled hazards; No Diagram or Building Valuation. Appointment is not required. VIP – Abbreviated HVD Survey includes: Abbreviated Interior / Exterior Property & Liability coverage including electrical and heating systems, attention given to construction items such as flooring, millwork, etc.; description of uncontrolled hazards; Diagram and Building Valuation. Appointment required. VPR – Vacant Property Report includes: Detailed evidence of vacancy or occupancy as well as overall condition. WBS – Wood-burning Stove Survey includes: Detailed examination of wood-burning heating units with attention given to proper installation and clearances, description of uncontrolled hazards; No Diagram or Building Valuation unless WBS is ordered with another survey that requires a Diagram and Building Valuation. Appointment required. WBS3 – Wood-burning Stove Short Survey includes: Abbreviated examination of wood-burning heating units with attention given to proper installation and clearances, description of uncontrolled hazards; No Diagram or Building Valuation unless WBS is ordered with another survey that requires a Diagram and Building Valuation. Appointment required.

Telephone Surveys View Standard Operating Procedures ACS - Abbreviated Contractors Telephone Survey includes: Description of operations / work performed, employee information and use of subcontractors, exposure to hazardous materials, equipment used and method of storage, and loss information for the past three years. ACT - Auto Class Telephone Survey includes: UOTS information with additional information regarding vehicle condition and customization, driver employment, driver impairments, information regarding drivers under age 25, non-licensed drivers, previous carrier and reason for change, and losses and violations for the past three years. AGCY - Agency Telephone Survey includes: Operations of the agency including annual written premium and loss ratio, principals of the agency and their educational and employment history; Includes a detailed narrative. BOPT - Business Owners Telephone Survey includes: Description of operations including principal products / services, major customers and employee information, principals of the business, and building information regarding construction and adjacent exposures. CSRQ - Cooking Supplement Restaurant Questionnaire includes: Equipment used, safety features and cleanliness program, and changes and updates to the kitchen. CVAC - Commercial Vehicle / Abbreviated Contractors Telephone Survey includes: ACS (Abbreviated Contractors Survey) and a CVCT (Commercial Vehicle Telephone Survey); Includes a detailed narrative. CVCT - Commercial Vehicle Telephone Survey includes: Description of operations including commodities hauled and radius of operation, number of vehicles used and their Gross Vehicle Weight, driver information, previous carrier, and loss information for the past three years; Includes a detailed narrative. FTS - Farm Telephone Survey includes: Description of farm operations outlining crops, livestock, and recreation exposures. GLST - Garage Liability Telephone Survey includes: Description of operations / work performed, employee / driver / owner information, previous carrier and reason for change, loss information for the past three years; Includes detailed narrative. HFR - Horse Farm / Horse Operations Telephone Survey includes: Information on all horse exposures including but not limited to boarding, breeding, lessons, rides, shows, etc. HRS - Home Renovation Telephone Survey includes: Information on updates including electrical, heating, plumbing, roof, remodeling; and reported hazards exposures on premises. IMT – Inland Marine (Contractors Equipment) Telephone Survey includes: contractors equipment exposures; with focus on storage, security, operators, maintenance, and transportation. For focus on Inland Marine exposures other than contractor's equipment, please contact an Account Manager and we will be happy to match your needs with one of our specialized inland marine reports. LLST – Liquor Liability Telephone Survey includes: Description of operations, staffing, and entertainment exposures. LT – Landlord Tenants includes: Information on operations, security, premises, fire protection, and premises and liability hazards. MKT - Marketing Retention Survey is customized per client request. MRS - Mold Remediation Contractor Supplement includes: Type of mold remediation performed, type and extent of training, and equipment used. SRST – Small Risk Survey Telephone includes: Operations, Building, and Employee information plus any applicable operational exposure sections including: Automotive, Beauty & Body, Commercial Real Estate, Child Care, Habitational, Home Health Care, Restaurant, Retail, & Security. TRC - Telephone Residential Replacement Cost includes: Building Valuation information based upon telephone and/or questionnaire responses; Building Valuation can be returned as either a worksheet or as a calculated version using one of several valuation programs. UOTS - Uses & Operators Telephone Survey includes: All vehicles and drivers in the household, usage of vehicles including mileage if commuting and annual mileage. VBTS - Vacant Building Telephone Survey includes: Description of premises including construction and adjacent exposures, property stored on premises, principals of the business, and loss information for the past three years. WCAC - Workers Compensation / Abbreviated Contractors Telephone Survey includes: WCP (Worker's Compensation Survey) and an ACS (Abbreviated Contractors Survey); Includes a detailed narrative. WCP - Worker's Compensation Telephone Survey includes: Operations of the business including equipment used; Employee and subcontractor information; Includes a detailed narrative.

Premium Audit Services Risks and programs vary so please remember that audit types and procedures can be customized to create the most suitable audit for your particular risk. If you need help or do not see exactly what you think you need, please contact an Account Manager and we will be happy to assist you. View Standard Operating Procedures VAUD - Verified Audit has the same high degree of thoroughness as a Physical Audit but does not include the on-site visit. This saves money and improves service while reducing the appointment "hassle" for the insured. Documentation is provided electronically via our GISA – Secure Documents Portal with telephone interviews with the insured and/or insured’s contact to discuss the nature of the operations, a review of the financial documentation, and a review of the preliminary results of the audit. AUD - Physical Audit should only be used when a site visit is absolutely required. It has the same high degree of thoroughness as a Verified Audit and does not differ from it in any other respect. TAUD - Telephone Audit is conducted via telephone interview with the insured and information for the audit is obtained verbally. Documentation can be provided as support, but is not required. MAUD - Voluntary Mail Audit has instructions sent via our GISA Secure Documents Portal or land mail to the insured’s contact requesting they complete their Voluntary Audit. Once received this information is forwarded directly to the insurance company unless intermediate procedural steps are requested.

Premium Audit Services (Custom Ordering site) This Ordering site uses different labels within the "Service Type" drop-down. An ordering cross-reference is as follows: for MTI VAUD = select "Virtual" from drop-down for MTI AUD = select "PhyAudit" from drop-down for MTI TAUD = select "PhnAudit" from drop-down for MTI MAUD = select "VolAudit" from drop-down Risks and programs vary so please remember that audit types and procedures can be customized to create the most suitable audit for your particular risk. If you need help or do not see exactly what you think you need, please contact an Account Manager and we will be happy to assist you. View Standard Operating Procedures VAUD - Verified Audit has the same high degree of thoroughness as a Physical Audit but does not include the on-site visit. This saves money and improves service while reducing the appointment "hassle" for the insured. Documentation is provided electronically via our GISA – Secure Documents Portal with telephone interviews with the insured and/or insured’s contact to discuss the nature of the operations, a review of the financial documentation, and a review of the preliminary results of the audit. AUD - Physical Audit should only be used when a site visit is absolutely required. It has the same high degree of thoroughness as a Verified Audit and does not differ from it in any other respect. TAUD - Telephone Audit is conducted via telephone interview with the insured and information for the audit is obtained verbally. Documentation can be provided as support, but is not required. MAUD - Voluntary Mail Audit has instructions sent via our GISA Secure Documents Portal or land mail to the insured’s contact requesting they complete their Voluntary Audit. Once received this information is forwarded directly to the insurance company unless intermediate procedural steps are requested.

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