Railroads  & Trolley Insurance - Large Scale Train Owners   Coverage & Costs      Coverage is provided when you operate your equipment at home, live steam clubs or elsewhere. In addition to yourself, resident members of your household are protected as insured persons. Other persons operating your train equipment may also be included for an additional premium. Certificates of insurance naming landlords as additional insured can be insured for an extra cost ($51.61)      Theft coverage is limited to theft from forcible entry into a locked enclosure or visible signs of  cutting, or otherwise defeating chains and or locks used to secure the train equipment to fixed objects including permanently installed track. The transporting vehicle must be locked and there must be visible evidence of forced entry.   Liability  General Aggregate Limits $2,000,000 Products-completed operations Aggregate $1,000,000 Each occurrence Limit $1,000,000 Personal & Advertising Injury Limit $1,000,000 Fire Damage Limit (fire legal liability) $50,000 Per Claim Deductible $500                                 Basic Premium $750.00 Surplus Lines Tax $24.18 Placement Fee* $200.00 Filing Fee* $250.00 Broker Fee* $250.00 National Railway Historical Association Dues $21.00 *Fees are fully Earned & Non-refundable   Liability Insurance Total Cost   +Optional Premium to protect other persons $103.00                                               Coverage Provided by Scottsdale Insurance Company Physical Damage    Covered Causes Of Loss  All Direct Physical loss including: Fire, Lightning, Smoke, Windstorm, & Hail, Vandalism & Malicious Mischief & Theft, and Vehicle Transportation Damage.   Deductible: $500Limit: $30,770 (based on $300 minimum premium) Rate: $0.77 per $100 of state value ($200 minimum)  Physical Damage Total Minimum Cost : $300 All Coverage’s  are provided by Fireman’s Fund Insurance Company     For more information, a quote or an application, please contact Jeff Santos or Dan Roddy.   CONTACT INFORMATION Jeff Santos jsantos@hmbd.com Dan Roddy danrod@hmbd.com Internet: www.hmbd.com Voice : 800-272-4594 FAX : 562-439-4453 H.M.B.D 3633 East Broadway, Long Beach , Ca 90803 Visit our official web site today at www.hmbd.com

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