Commercial Insurance - Technical information

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=22.5% BGCOLOR="#006633" TEXT="#F7F7FF" background="136d6c20ddvuru.jpg"> <div> <IMG SRC="1dd84d80.jpg" border=0 width="132" height="216" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#0066FF" FACE="Arial" ><B> </B></FONT><FONT SIZE="1" COLOR="#333399" FACE="Arial" >    </FONT> |     <A HREF="index.htm" TARGET="_top" TITLE=" "><U>home</U></A></div> <div> <A HREF="id20.htm" TARGET="_top" TITLE="Covers Available"><U>Covers Available</U></A>   |   <A HREF="id28.htm" TARGET="_top" TITLE="Declaration of Status and Terms of Busin"><U>Declaration of Status and Terms of Business - EFM General Insurance Division   </U></A>   |   <A HREF="id16.htm" TARGET="_top" TITLE="Commercial Insurance Guidance Notes"><U>Commercial Insurance Guidance Notes</U></A>   |   <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Property Owners Guidance Not"><U>Commercial Property Owners - Guidance Notes </U></A>   |   <A HREF="id27.htm" TARGET="_top" TITLE="Asbestos at Work Regulations 2002"><U>Asbestos at Work Regulations 2002</U></A>   |   <B>Commercial Insurance - Technical information</B></div> <div> Commercial Insurance - Technical information</div> <DIV ALIGN="LEFT"></DIV> <div> <IMG SRC="21865290.jpg" border=0 width="101" height="41" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> efm<FONT SIZE="5" COLOR="#003366" FACE="Arial" >insurance</FONT>&<FONT SIZE="5" COLOR="#003366" FACE="Arial" >financial</FONT>group</div> <bR> <bR> <div> <A HREF="id28.htm" TARGET="_top" TITLE="Declaration of Status and Terms of Busin"><U><I><IMG BORDER="0" SRC="Symb075c00b700c800000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Terms of Business - General Insurance Division</I></U></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Commercial Insurance Guidance Notes"><U><I><IMG BORDER="0" SRC="Symb075c00b700c800000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Guidance Notes : Commercial Insurance</I></U></A><I>                            </I></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Commercial Property Owners Guidance Not"><U><I><IMG BORDER="0" SRC="Symb075c00b700c800000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Guidance Notes : Commercial Property Owners</I></U></A></div> <div> <A HREF="id20.htm" TARGET="_top" TITLE="Covers Available"><U><I><IMG BORDER="0" SRC="Symb075c00b700c800000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Covers Available</I></U></A></div> <div> <A HREF="id27.htm" TARGET="_top" TITLE="Asbestos at Work Regulations 2002"><U><I><IMG BORDER="0" SRC="Symb075c00b700c800000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Asbestos at Work Regulations 2002</I></U></A></div> </td> </tr></table></body>