Comprehensive and Flexible Protection

In OneBeacon s premiere solution for wholesalers and distributors you ll have flexible, tailored insurance when you require it. By selecting from our combination of standard and optional coverages you can shape the protection that best meets your particular needs.



Coverage can include &





Buildings



Business personal property automatic 25% seasonal increase



Exterior and interior building glass



Appurtenant structures 10% of Building limit, to $10,000



Increased cost of construction from ordinance or law $10,000



Accounts receivable $10,000



Valuable papers $10,000



FOB shipments $10,000



Property in transit $10,000



Signs attached to building or within 100 feet included in Building coverage and limit



Most OnePac policies include replacement cost coverage without coinsurance and all-risk property coverage, plus coverage for equipment breakdown and business income

What s more, you can take advantage of the OnePac Extender, a prepackaged selection of policy extensions to provide coverage for electronic equipment and software, property in transit and much more. Check with your OneBeacon agent for a complete list of extensions and limits.

Please refer to the actual policy for exact coverage descriptions; exclusions and deductibles may apply. Coverages are subject to policy terms and conditions and may not be available in all states.





Our OnePac solution comes at a time when businesses like yours are a driving force in the U.S. economy. To help you protect the investment you ve made in your wholesaling or distributing operation we ll be there before and when you need us with local underwriting expertise, a focus on loss prevention and superior claims service.



Superior Service

Obtaining the right coverage is only the first step. You ll also get proactive risk management support and responsive claims service with OnePac.



Building safety into your business is the best way to protect it. Working from sound risk-management strategies, OneBeacon risk control experts can help you establish a wide range of safety practices, including ergonomics, fire protection systems and procedures, wind and weather risks, security of business property and disaster management.

OneBeacon s local presence means we re there when you need us to promptly resolve claims. Our community-based claims adjusters and after-hours and weekend reporting capability are just some of the ways we ensure that your business returns to normal as soon as possible if you suffer a loss.





Why OneBeacon



Our broad business appetite. As your company grows, we can continue to meet your needs with products and programs designed for mid-sized operations.



Local staff with expertise and an interest! in your market



Proactive risk control focused on loss prevention



Fair and expedient claims





resolution Equally important is our unwavering commitment to working with local independent insurance agents. The professional planning and risk assessment expertise they provide early on along with our marketplace knowledge result in the customized insurance solutions your business needs.



About OneBeacon

Headquartered in Boston, Massachusetts, OneBeacon Insurance Group offers a wide range of specialty, personal and commercial insurance products and services sold primarily through select independent agents. OneBeacon is one of the oldest property and casualty insurers in the United States, tracing its roots to 1831 and the Potomac Fire Insurance Company. The Company s specialty businesses provide customized coverages to certain niche markets including ocean marine, professional liability and agribusiness, among others. OneBeacon serves personal insurance customers and small to midsized businesses through a variety of highly segmented products.

OneBeacon Insurance Group is wholly owned by White Mountains Insurance Group, Ltd. of Hamilton, Bermuda. White Mountains principal businesses are conducted through its subsidiaries and affiliates in the business of property-casualty insurance and reinsurance. The company is publicly traded on the New York Stock Exchange and the Bermuda Stock Exchange under the symbol  WTM.

For more information about OneBeacon, or our products and services, visit www.onebeacon.com.

OneBeacon Insurance One Beacon Street Boston, Massachusetts 02108

B28-065 © OneBeacon 2005

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