ÿþ<html xmlns="http://www.w3.org/1999/xhtml"><!-- InstanceBegin template="/Templates/3subpage.dwt" codeOutsideHTMLIsLocked="false" --> <head> <!-- InstanceBeginEditable name="doctitle" --> <title>Penn-America</title> <!-- InstanceEndEditable --> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" /> <link href="../pennam.css" rel="stylesheet" type="text/css" /> <script type="text/javascript" language="JavaScript"> <!-- function mmLoadMenus() { if (window.mm_menu_1116151848_0) return; window.mm_menu_1116151848_0_1 = new Menu("Company&nbsp;Profile",225,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,3,0,true,true,true,0,false,true); mm_menu_1116151848_0_1.addMenuItem("Mission&nbsp;Statement","location='mission.html'"); mm_menu_1116151848_0_1.fontWeight="bold"; mm_menu_1116151848_0_1.hideOnMouseOut=true; mm_menu_1116151848_0_1.bgColor='#990000'; mm_menu_1116151848_0_1.menuBorder=1; mm_menu_1116151848_0_1.menuLiteBgColor='#A7001D'; mm_menu_1116151848_0_1.menuBorderBgColor='#000000'; window.mm_menu_1116151848_0 = new Menu("root",225,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,3,0,true,true,true,0,false,true); mm_menu_1116151848_0.addMenuItem(mm_menu_1116151848_0_1,"location='co-profile.html'"); mm_menu_1116151848_0.addMenuItem("Business&nbsp;Strategies","location='strategies.html'"); mm_menu_1116151848_0.addMenuItem("Industry&nbsp;Ratings","location='ratings.html'"); mm_menu_1116151848_0.fontWeight="bold"; mm_menu_1116151848_0.hideOnMouseOut=true; mm_menu_1116151848_0.childMenuIcon="arrows.gif"; mm_menu_1116151848_0.bgColor='#990000'; mm_menu_1116151848_0.menuBorder=1; mm_menu_1116151848_0.menuLiteBgColor='#A7001D'; mm_menu_1116151848_0.menuBorderBgColor='#000000'; window.mm_menu_1207162427_0 = new Menu("root",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1207162427_0.addMenuItem("Press&nbsp;Releases","location='news.aspx'"); mm_menu_1207162427_0.addMenuItem("Earnings&nbsp;Conference&nbsp;Call","location='conference-call.html'"); mm_menu_1207162427_0.fontWeight="bold"; mm_menu_1207162427_0.hideOnMouseOut=true; mm_menu_1207162427_0.bgColor='#990000'; mm_menu_1207162427_0.menuBorder=1; mm_menu_1207162427_0.menuLiteBgColor='#A7001D'; mm_menu_1207162427_0.menuBorderBgColor='#000000'; window.mm_menu_1208125905_0 = new Menu("root",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208125905_0.addMenuItem("Product&nbsp;List","location='productlist.html'"); mm_menu_1208125905_0.fontWeight="bold"; mm_menu_1208125905_0.hideOnMouseOut=true; mm_menu_1208125905_0.bgColor='#990000'; mm_menu_1208125905_0.menuBorder=1; mm_menu_1208125905_0.menuLiteBgColor='#A7001D'; mm_menu_1208125905_0.menuBorderBgColor='#000000'; window.mm_menu_1208130536_0 = new Menu("root",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208130536_0.addMenuItem("Submit&nbsp;a&nbsp;Claim","location='claims.aspx'"); mm_menu_1208130536_0.addMenuItem("FAQs","location='policy-faq.html'"); mm_menu_1208130536_0.addMenuItem("Insurance&nbsp;Terminology","location='policy-terms.html'"); mm_menu_1208130536_0.fontWeight="bold"; mm_menu_1208130536_0.hideOnMouseOut=true; mm_menu_1208130536_0.bgColor='#990000'; mm_menu_1208130536_0.menuBorder=1; mm_menu_1208130536_0.menuLiteBgColor='#A7001D'; mm_menu_1208130536_0.menuBorderBgColor='#000000'; window.mm_menu_1208130809_0 = new Menu("root",233,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208130809_0.addMenuItem("Directions","location='/content/directions.html'"); mm_menu_1208130809_0.addMenuItem("Request&nbsp;Information","location='/content/requestinfo.asp'"); mm_menu_1208130809_0.fontWeight="bold"; mm_menu_1208130809_0.hideOnMouseOut=true; mm_menu_1208130809_0.bgColor='#990000'; mm_menu_1208130809_0.menuBorder=1; mm_menu_1208130809_0.menuLiteBgColor='#A7001D'; mm_menu_1208130809_0.menuBorderBgColor='#000000'; window.mm_menu_1208130926_0 = new Menu("root",119,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208130926_0.addMenuItem("Careers","location='careers.aspx'"); mm_menu_1208130926_0.fontWeight="bold"; mm_menu_1208130926_0.hideOnMouseOut=true; mm_menu_1208130926_0.bgColor='#990000'; mm_menu_1208130926_0.menuBorder=1; mm_menu_1208130926_0.menuLiteBgColor='#A7001D'; mm_menu_1208130926_0.menuBorderBgColor='#000000'; window.mm_menu_1208131241_0_1 = new Menu("Company&nbsp;Profile",143,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208131241_0_1.addMenuItem("Mission&nbsp;Statement","location='mission.html'"); mm_menu_1208131241_0_1.fontWeight="bold"; mm_menu_1208131241_0_1.hideOnMouseOut=true; mm_menu_1208131241_0_1.bgColor='#142746'; mm_menu_1208131241_0_1.menuBorder=1; mm_menu_1208131241_0_1.menuLiteBgColor='#254977'; mm_menu_1208131241_0_1.menuBorderBgColor='#000000'; window.mm_menu_1208131241_0_2 = new Menu("Financial&nbsp;Reports",143,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208131241_0_2.addMenuItem("Statutory&nbsp;Statements","location='statutory.html'"); mm_menu_1208131241_0_2.addMenuItem("SEC&nbsp;Filings","location='sec.html'"); mm_menu_1208131241_0_2.addMenuItem("Annual&nbsp;Reports","location='ar.html'"); mm_menu_1208131241_0_2.fontWeight="bold"; mm_menu_1208131241_0_2.hideOnMouseOut=true; mm_menu_1208131241_0_2.bgColor='#142746'; mm_menu_1208131241_0_2.menuBorder=1; mm_menu_1208131241_0_2.menuLiteBgColor='#254977'; mm_menu_1208131241_0_2.menuBorderBgColor='#000000'; window.mm_menu_1208131241_0 = new Menu("root",143,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208131241_0.addMenuItem(mm_menu_1208131241_0_1,"location='co-profile.html'"); mm_menu_1208131241_0.addMenuItem("Business&nbsp;Strategies","location='strategies.html'"); mm_menu_1208131241_0.addMenuItem("Industry&nbsp;Ratings","location='ratings.html'"); mm_menu_1208131241_0.addMenuItem("Industry&nbsp;Links","location='/content/industrylinks.html'"); mm_menu_1208131241_0.addMenuItem(mm_menu_1208131241_0_2); mm_menu_1208131241_0.fontWeight="bold"; mm_menu_1208131241_0.hideOnMouseOut=true; mm_menu_1208131241_0.childMenuIcon="arrows.gif"; mm_menu_1208131241_0.bgColor='#142746'; mm_menu_1208131241_0.menuBorder=1; mm_menu_1208131241_0.menuLiteBgColor='#254977'; mm_menu_1208131241_0.menuBorderBgColor='#000000'; window.mm_menu_1208134452_0 = new Menu("root",143,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208134452_0.addMenuItem("Relationships","location='/content/agents.html'"); mm_menu_1208134452_0.addMenuItem("Become&nbsp;an&nbsp;Agent","location='/content/agents.html#become'"); mm_menu_1208134452_0.addMenuItem("Search&nbsp;for&nbsp;an&nbsp;Agent","location='/content/agentsearch.asp'"); mm_menu_1208134452_0.addMenuItem("PennLINK","location='/content/pennLINK.html'"); mm_menu_1208134452_0.fontWeight="bold"; mm_menu_1208134452_0.hideOnMouseOut=true; mm_menu_1208134452_0.bgColor='#142746'; mm_menu_1208134452_0.menuBorder=1; mm_menu_1208134452_0.menuLiteBgColor='#254977'; mm_menu_1208134452_0.menuBorderBgColor='#000000'; window.mm_menu_1208134812_0 = new Menu("root",155,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208134812_0.addMenuItem("Submit&nbsp;a&nbsp;Claim","location='claims.aspx'"); mm_menu_1208134812_0.addMenuItem("FAQs","location='policy-faq.html'"); mm_menu_1208134812_0.addMenuItem("Insurance&nbsp;Terminology","location='policy-terms.html'"); mm_menu_1208134812_0.fontWeight="bold"; mm_menu_1208134812_0.hideOnMouseOut=true; mm_menu_1208134812_0.bgColor='#142746'; mm_menu_1208134812_0.menuBorder=1; mm_menu_1208134812_0.menuLiteBgColor='#254977'; mm_menu_1208134812_0.menuBorderBgColor='#000000'; window.mm_menu_1208135001_0 = new Menu("root",143,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#172D53","#5D7C9D","left","middle",3,0,1000,-5,7,true,true,true,0,false,true); mm_menu_1208135001_0.addMenuItem("Careers","location='careers.aspx'"); mm_menu_1208135001_0.fontWeight="bold"; mm_menu_1208135001_0.hideOnMouseOut=true; mm_menu_1208135001_0.bgColor='#142746'; mm_menu_1208135001_0.menuBorder=1; mm_menu_1208135001_0.menuLiteBgColor='#254977'; mm_menu_1208135001_0.menuBorderBgColor='#000000'; window.mm_menu_1208135220_0_1 = new Menu("Company&nbsp;Profile",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208135220_0_1.addMenuItem("Mission&nbsp;Statement","location='mission.html'"); mm_menu_1208135220_0_1.fontWeight="bold"; mm_menu_1208135220_0_1.hideOnMouseOut=true; mm_menu_1208135220_0_1.bgColor='#990000'; mm_menu_1208135220_0_1.menuBorder=1; mm_menu_1208135220_0_1.menuLiteBgColor='#A7001D'; mm_menu_1208135220_0_1.menuBorderBgColor='#000000'; window.mm_menu_1208135220_0_2 = new Menu("Financial&nbsp;Reports",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208135220_0_2.addMenuItem("Statutory&nbsp;Statements","location='statutory.html'"); mm_menu_1208135220_0_2.addMenuItem("SEC&nbsp;Filings","location='sec.html'"); mm_menu_1208135220_0_2.addMenuItem("Annual&nbsp;Reports","location='ar.html'"); mm_menu_1208135220_0_2.fontWeight="bold"; mm_menu_1208135220_0_2.hideOnMouseOut=true; mm_menu_1208135220_0_2.bgColor='#990000'; mm_menu_1208135220_0_2.menuBorder=1; mm_menu_1208135220_0_2.menuLiteBgColor='#A7001D'; mm_menu_1208135220_0_2.menuBorderBgColor='#000000'; window.mm_menu_1208135220_0 = new Menu("root",224,15,"Verdana, Arial, Helvetica, sans-serif",9,"#FFFFFF","#FFFFFF","#A7001D","#510000","left","middle",3,0,1000,0,0,true,true,true,0,false,true); mm_menu_1208135220_0.addMenuItem(mm_menu_1208135220_0_1,"location='co-profile.html'"); mm_menu_1208135220_0.addMenuItem("Business&nbsp;Strategies","location='strategies.html'"); mm_menu_1208135220_0.addMenuItem("Industry&nbsp;Ratings","location='ratings.html'"); mm_menu_1208135220_0.addMenuItem("Industry&nbsp;Links","location='/content/industrylinks.html'"); mm_menu_1208135220_0.addMenuItem(mm_menu_1208135220_0_2); mm_menu_1208135220_0.fontWeight="bold"; mm_menu_1208135220_0.hideOnMouseOut=true; mm_menu_1208135220_0.childMenuIcon="arrows.gif"; mm_menu_1208135220_0.bgColor='#990000'; mm_menu_1208135220_0.menuBorder=1; mm_menu_1208135220_0.menuLiteBgColor='#A7001D'; mm_menu_1208135220_0.menuBorderBgColor='#000000'; mm_menu_1208135220_0.writeMenus(); } // mmLoadMenus() function MM_preloadImages() { //v3.0 var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array(); var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++) if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}} } function MM_findObj(n, d) { //v4.01 var p,i,x; if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) { d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);} if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n]; for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document); if(!x && d.getElementById) x=d.getElementById(n); return x; } function MM_swapImage() { //v3.0 var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3) if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];} } function MM_swapImgRestore() { //v3.0 var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc; } //--> </script> <script type="text/javascript" language="JavaScript" src="../Templates/mm_menu.js"></script> <!-- InstanceBeginEditable name="head" --> <style type="text/css"> <!-- .style1 {color: #FFFFFF} --> </style> <!-- InstanceEndEditable --> </head> <body onload="MM_preloadImages('../media/sub_r3_c1.jpg','../Source%20Art/global/menu-overs/overs_r3_c8.jpg','../Source%20Art/global/menu-overs/overs_r3_c10.jpg','../Source%20Art/global/menu-overs/overs_r3_c11.jpg','../media/sub_r3_c3.jpg','../media/sub_r3_c4.jpg','../media/sub_r3_c6.jpg','../media/sub_r3_c8.jpg','../media/sub_r3_c10.jpg','../media/sub_r3_c11.jpg','../Source%20Art/global/menu-overs/overs_r3_c4.jpg','../Source%20Art/global/menu-overs/overs_r3_c1.jpg','../Source%20Art/global/menu-overs/overs_r3_c3.jpg','../Source%20Art/global/menu-overs/overs_r3_c6.jpg')"> <div id="main-indent"> <div class="subcontent"> <script type="text/javascript" language="JavaScript1.2">mmLoadMenus();</script> <table style="border:0px" cellpadding="0" cellspacing="0"> <!-- fwtable fwsrc="subpages.png" fwbase="sub.jpg" fwstyle="Dreamweaver" fwdocid = "1198290012" fwnested="0" --> <tr style="background-color:#04163C"> <td><img src="../media/spacer.gif" width="103" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="10" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="113" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="20" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="93" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="52" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="61" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="83" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="30" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="113" height="1" style="border:0px" alt="" /></td> <td><img src="../media/spacer.gif" width="122" height="1" style="border:0px" alt="" /></td> </tr> <tr><td colspan="11"><img src="../media/sub_r1_c1.jpg" alt="" id="sub_r1_c1" width="800" height="70" style="border:0px" usemap="#sub_r1_c1Map" /></td></tr> <tr> <td><img id="sub_r2_c1" src="../media/sub_r2_c1.jpg" width="103" height="19" style="border:0px" alt="" /></td> <td colspan="3"><a href="/content/co-profile.html" onmouseover="MM_showMenu(window.mm_menu_1208131241_0,1,19,null,'sub_r2_c2')" onmouseout="MM_startTimeout();"><img id="sub_r2_c2" src="../media/sub_r2_c2.jpg" width="143" height="19" style="border:0px" alt="" /></a></td> <td colspan="2"><a href="/content/agents.html" onmouseover="MM_showMenu(window.mm_menu_1208134452_0,0,19,null,'sub_r2_c5')" onmouseout="MM_startTimeout();"><img id="sub_r2_c5" src="../media/sub_r2_c5.jpg" width="145" height="19" style="border:0px" alt="" /></a></td> <td colspan="2"><a href="/content/policyholders.html" onmouseover="MM_showMenu(window.mm_menu_1208134812_0,0,19,null,'sub_r2_c7')" onmouseout="MM_startTimeout();"><img id="sub_r2_c7" src="../media/sub_r2_c7.jpg" width="144" height="19" style="border:0px" alt="" /></a></td> <td colspan="2"><a href="/content/careers.aspx" onmouseover="MM_showMenu(window.mm_menu_1208135001_0,0,19,null,'sub_r2_c9')" onmouseout="MM_startTimeout();"><img id="sub_r2_c9" src="../media/sub_r2_c9.jpg" width="143" height="19" style="border:0px" alt="" /></a></td> <td><img id="sub_r2_c11" src="../media/sub_r2_c11.jpg" width="122" height="19" style="border:0px" alt="" /></td> </tr> <tr> <td colspan="2"><a href="/content/co-profile.html" onmouseover="MM_showMenu(window.mm_menu_1116151848_0,0,27,null,'sub_r3_c1');MM_swapImage('sub_r3_c1','','../Source%20Art/global/menu-overs/overs_r3_c1.jpg','sub_r3_c3','','../media/sub_r3_c3.jpg','finmenu','','../media/sub_r3_c4.jpg','sub_r3_c6','','../media/sub_r3_c6.jpg','sub_r3_c8','','../media/sub_r3_c8.jpg','sub_r3_c10','','../media/sub_r3_c10.jpg','sub_r3_c11','','../media/sub_r3_c11.jpg',1)" onmouseout="MM_startTimeout();"><img src="../media/sub_r3_c1.jpg" alt="" id="sub_r3_c1" width="113" height="28" style="border:0px" /></a></td> <td><a href="/content/news.aspx" onmouseover="MM_swapImage('sub_r3_c1','','../media/sub_r3_c1.jpg','sub_r3_c3','','../Source%20Art/global/menu-overs/overs_r3_c3.jpg','finmenu','','../media/sub_r3_c4.jpg','sub_r3_c6','','../media/sub_r3_c6.jpg','sub_r3_c8','','../media/sub_r3_c8.jpg','sub_r3_c10','','../media/contactus.gif','sub_r3_c11','','../media/sub_r3_c11.jpg',1);MM_showMenu(window.mm_menu_1207162427_0,0,27,null,'sub_r3_c3')" onmouseout="MM_startTimeout();"><img id="sub_r3_c3" src="../media/sub_r3_c3.jpg" width="113" height="28" style="border:0px" alt="" /></a></td> <td colspan="2"><a href="/content/co-profile.html" onmouseover="MM_swapImage('sub_r3_c1','','../media/sub_r3_c1.jpg','sub_r3_c3','','../media/sub_r3_c3.jpg','finmenu','','../Source%20Art/global/menu-overs/overs_r3_c4.jpg','product','','../media/sub_r3_c10.jpg','sub_r3_c8','','../media/sub_r3_c8.jpg','contact','','../media/contactus.gif','sub_r3_c11','','../media/sub_r3_c11.jpg',1);MM_showMenu(window.mm_menu_1208135220_0,0,27,null,'finmenu')" onmouseout="MM_startTimeout();"><img src="../media/sub_r3_c4.jpg" alt="" id="finmenu" width="113" height="28" style="border:0px" /></a></td> <td colspan="2"><a href="/content/products.html" onmouseover="MM_swapImage('sub_r3_c1','','../media/sub_r3_c1.jpg','sub_r3_c3','','../media/sub_r3_c3.jpg','finmenu','','../media/sub_r3_c4.jpg','product','','../Source%20Art/global/menu-overs/overs_r3_c10.jpg','sub_r3_c8','','../media/sub_r3_c8.jpg','contact','','../media/contactus.gif','sub_r3_c11','','../media/sub_r3_c11.jpg',1);MM_showMenu(window.mm_menu_1208125905_0,0,27,null,'product')" onmouseout="MM_startTimeout();"><img src="../media/sub_r3_c10.jpg" alt="" id="product" width="113" height="28" style="border:0px" /></a></td> <td colspan="2"><a href="/content/policyholders.html" onmouseover="MM_swapImage('sub_r3_c1','','../media/sub_r3_c1.jpg','sub_r3_c3','','../media/sub_r3_c3.jpg','finmenu','','../media/sub_r3_c4.jpg','product','','../media/sub_r3_c10.jpg','sub_r3_c8','','../Source%20Art/global/menu-overs/overs_r3_c8.jpg','contact','','../media/contactus.gif','sub_r3_c11','','../media/sub_r3_c11.jpg',1);MM_showMenu(window.mm_menu_1208130536_0,0,27,null,'sub_r3_c8')" onmouseout="MM_startTimeout();"><img id="sub_r3_c8" src="../media/sub_r3_c8.jpg" width="113" height="28" style="border:0px" alt="" /></a></td> <td><a href="/content/contactus.aspx" 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onmouseout="MM_startTimeout();"><img id="sub_r3_c11" src="../media/sub_r3_c11.jpg" width="122" height="28" style="border:0px" alt="" /></a></td> </tr> </table> <!-- InstanceBeginEditable name="content" --> <h1>Policyholders</h1> <p> Thank you for choosing Penn-America and/or Penn-Star Insurance Company as your insurance carrier. We are committed to customer service and will be there when you need us most to answer your questions or to quickly, fairly and accurately resolve your claim.</p> <p></p> <div class="agentimage" id="agent"> <div style="text-align:center"> <blockquote> <h2 style="text-align:left" class="style1"><br/>Mission Statement of the Claims Department:</h2> <p style="text-align:left" class="style1">The Penn-America Claims Department mission is to provide prompt, fair and equitable <br/>claim service to our policyholders, agents, and claimants, and to operate at a consistently <br/>high level of productivity and efficiency.<br/><br/></p> </blockquote> </div> </div> <h1><br/>Our Specialty Units</h1> <p><strong>Casualty/Property Unit</strong>: The Property Unit is responsible for the direct handling of 1st party property losses. The Casualty Unit is responsible for the direct handling of liability claims. Our Claim Examiners must possess a thorough knowledge of all aspects of claim procedures including coverage, civil and contract law, jurisdictional differences, statutory requirements and claim values. Claim Examiners develop assigned claims through customer contact, investigation, evaluation, medical management, property appraisal and disposition.</p> <p><strong>Litigation Unit</strong>: The Litigation Unit is responsible for the handling of complex claims in litigation. Our Litigation Specialists must possess a thorough knowledge of all aspects of claim procedures, including coverage, civil and contract law, jurisdictional differences, statutory requirements and claim values.<br/> <br/> <strong>Quality Assurance</strong>: The Quality Assurance Unit is responsible for supporting the Vice President of Claims and the unit managers. They conduct ongoing reviews and assessments of claim quality and compliance with Best Practices and state requirements. They assist in training and recommend work flow processes within the department. They act as the liaison with IT on system matters. <br/> <br/> <strong>Subrogation: </strong> Subrogation pursues recoveries on paid claims in civil and criminal cases nationwide with respect to our multiple lines of business. </p> <p><strong>SIU &ndash; Special Investigation Unit</strong>: SIU investigates suspected fraudulent and/or non-meritorious claims. SIU also provides fraud awareness training regarding the recognition of potentially fraudulent claims and is our liaison with law enforcement agencies.</p> <p><strong>Claims Support</strong>: The Support Unit supports the workflow of the operation, including the issuance of all checks, salvage/subrogation recoveries, phones and typing dictation. </p> <p>&nbsp;</p> <!-- InstanceEndEditable --> <div id="subinfo"> <p class="foot"><br/> <a href="/index.asp" class="foot">HOME</a> <a href="/content/TOU.html" class="foot">TERMS OF USE</a> <a href="/content/sitemap.html" class="foot">SITE MAP</a>&nbsp;&nbsp;© Penn-America Group, Inc. 2001 - 2010. All Rights Reserved. </p> </div> <map id="sub_r1_c1Map"> <area shape="circle" coords="63,42,26" href="../index.asp" alt="" /> </map> </div> </div> </body> <!-- InstanceEnd --></html>