Nonsubscription Product Comparison

Product / Options	North American Capacity	Republic CEI	Republic VIP	American Fidelity Occ Acc
AM Best Rating	A+XV	A-VIII	A-VIII	A+IX
Policy Form	Non-Admitted	Non-Admitted	Non-Admitted	Admitted
Per Occurrence SIR Range	$1,000 - $5,000,000	$1,000 - $1,000,000	$1,000 - $100,000	$1,000 - $250,000
Per Occurrence CSIL option	1 - 25 million	1 - 6 million	500K to 6 million	500K to 1 million
Disability Period Limit / Option	156 or 260 weeks up to 1K per week	156 weeks up to 1K per week	104 or 156 weeks up to 1k per week	104 or 156 weeks up to 1K per week
Medical Period Limit	None	156 weeks	104 or 156 weeks	104 or 156 weeks
Employer Liability Limit	None	None	104 or 156 weeks	No employer liability
Legal Defense Costs	First dollar outside policy limits (optional)	First dollar outside policy limits (optional)	During max coverage period in CSL	None
Pay on Behalf Option	Available	Available	Available	Available
Policy Aggregate	$25,000,000	$15,000,000	$15,000,000	$10,000,000
Commissions	12.5%	12.5%	15%	15%

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