LIBRIS -- Casualty & Property Insurance A Competitive Advantage for Your Business In today's highly competitive business environment you need every advantage to succeed. That's especially true when it comes to selecting your business insurance. With LIBRIS, you get broad coverage at a highly competitive price. This gives you the protection you need and the cost savings you demand. The program is designed by professionals in the bookselling community and, therefore, it addresses the coverage for loss exposures and concerns unique to your business. What Is LIBRIS? LIBRIS is an insurance company formed and owned by the ABA. Its goal is to ensure ABA members the broadest insurance coverage at the most competitive cost. In addition to quick, responsive service, LIBRIS provides ABA members with: Competitive rates Insurance market stability Specialized coverage Superior claims services Loss prevention services Dividends Coverage You Can Count On The following is a brief listing of the insurance coverages offered to meet the unique needs of booksellers: Full replacement cost for buildings and business personal property Business interruption/extra expense Earthquake sprinkler leakage Glass - Interior/exterior Employee dishonesty Fine arts Valuable papers/accounts receivable Used and rare books Computer equipment/software Business liability protection Tenants' legal liability Employee benefits liability Hired and non-owned auto liability Theft Workers' compensation Coverage for caf�s/restaurants Dividend Program This is a dividend program based on the experience of the ABA group. Dividends are not guaranteed because they depend on the profitability of the program, and will be calculated using only the claims and loss experience of the ABA members and the LIBRIS program. Dividend payments, when applicable, will be issued to ABA members who are participating in the LIBRIS program. This information is a summary. For details or more information on terms, conditions, limitations and any exclusions, please contact your LIBRIS representative: Marsha Katchen or June Schiff League of Independent Book Retailer Insurance Services 1655 Lafayette Street, Suite 200 Denver, CO 80218 (888) 694-8585 Fax: (303) 996-5451 [email protected] Topics: Affinity Programs,