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© 2009 Zurich American Insurance Company. Coverages underwritten by member companies of Zurich, including Zurich American Insurance Company. Certain coverages may not be available in all states. Certain coverages may be written on non-admitted basis through surplus lines brokers. The description here is a summary only. It does not include all terms, conditions and exclusions of the policies and coverages described. Offer for new lower rates may not be available in all circumstances and/or jurisdictions. Each application for insurance is evaluated on an individual basis and the new lower rates may not apply.