Penn National Insurance 2015 ANNUAL REPORT PRESIDENT’S MESSAGE FINANCIAL HIGHLIGHTS ABOUT PENN NATIONAL INSURANCE PRODUCT INNOVATIONS CLAIMS SERVICE ENHANCEMENTS GROWTH IN WISCONSIN AND IOWA EMPLOYEE ENGAGEMENT OFFICERS & DIRECTORS DOWNLOADS

ABOUT PENN NATIONAL INSURANCE

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A group of Pennsylvania farmers founded our company in 1919 to provide affordable workers’ compensation insurance, and we quickly grew into a full-service, regional company.

Today, Penn National Insurance sells property-casualty insurance through independent agents in eleven states.

Experienced. Strong.

We have been taking care of our customers since 1919, and we back our promise of protection with our strong financial position. We’re more than $1 billion strong in assets, and we rank among the top 10 percent out of approximately 1,000 U.S. property-casualty insurance groups (based on net premiums written).

We sell a diverse array of business insurance, auto and homeowners insurance. We sell only through independent insurance agents. Independent insurance agents can sell for a variety of insurance companies. Their customers can feel secure, knowing that their agent is looking out for their best interest and matching them with the best insurance carrier to meet their unique needs.

Facts in Brief

  • We ranked 96th in net premiums written out of approximately 1,000 U.S. property and casualty insurance groups .
  • We employ more than 820 people.
  • We were founded in 1919.
  • Our principal lines of business are personal automobile, other liability, commercial automobile, homeowners & workers’ compensation.

2015 Enviromental Efforts

  • Saved 911 trees
  • Saved 375,127 gallons of water
  • Recycled 107,179 pounds of office paper
  • Reduced 161 cubic yards of landfill requirements
  • Saved 24,651 gallons of oil
  • Recycled 54 tons of paper materials
  • Saved 219,717 KW-hours of electricity

Engaging Agents & Policyholders

We will enhance existing technology and processes to provide better service and increase ease of doing business for our agents and policyholders. We partner with our agents in protecting their policyholders. We also want our policyholders to know that we are looking out for their best interests and that they will receive consistent, high-quality service.

Agency Focus

The commitment to distribute our products and services through the independent agency channel continues to be part of our strategy. Guided by a data-driven approach, we will develop and implement agency management strategies and systems that position us to respond to the continuously changing environment and expectations of our agents.

Our Mission

Why we exist

We deliver superior property and casualty insurance products and services through independent agents. In doing so, we provide financial security to businesses and individuals that assists them in managing their risk.

Our Vision

What we are seeking to build, grow and maintain Penn National Insurance will distinguish itself from its peers and will be the regional carrier of choice of top-performing independent agents. We will partner with our agents to grow profitably by providing them with comprehensive solutions that meet their needs. As an employer, Penn National Insurance will: • Be accountable for its actions. • Provide professional growth and development opportunities. • Create a culture that encourages prudent risk-taking. • Empower employees to take initiative and make decisions. • Promote a healthy personal and work/life balance.

Core Values

How we will do business Integrity We will be open and honest in all of our actions. Financial Strength We will be profitable and maintain the ability to meet our financial commitments. Excellence We will strive to be the best in class for our policyholders, agents and employees. Respect We will treat everyone fairly and value differences among ourselves. Communication We will provide open, honest and frequent communication. Citizenship We will give back to our communities through both volunteer time and financial support.

Annual Meeting

Monday, April 11, 2016, 11 a.m. at Penn National Insurance’s Home Office.

All policyholders invited to attend.

For more information, please contact: Christopher Markley, vice president, Corporate Communications Penn National Insurance Two North Second Street P.O. Box 2361 Harrisburg, PA 17105 1-800-388-4764 ext. 6895 Communications@pnat.com

Contact Us

Email: Submit online form Phone: 800-388-4764 • 717-234-4941

Street Address: 2 N. Second St. Harrisburg, PA 17101

Mailing Address: P.O. Box 2361 Harrisburg, PA 17105-2361

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