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Home My WebLink About000196.tiff CAPP Administration County Technical Services, Inc. (CTSI) 1700 Broadway, Suite 1512 Denver, Colorado 80290 (303) 861-0507 (303) 861-2832 fax Allen Chapman, Executive Director Patti Bronikowski, Manager - Risk Programs Brokerage Services Marsh USA, Inc. 1225 Seventeenth Street, Suite 2100 Denver, Colorado 80202-8430 Certificates of Insurance Placement of Ancillary Coverages Lorraine Kehm, Vice President Shelley Urwiller, Client Representative (800) 241-2610 (303) 308-4624 (303) 308-4900 fax 196 CAPP 2002 Insurance Summary This insurance summary is a brief outline of the coverages afforded under your insurance policies. Since it is information only, it should not be construed to constitute the entire insurance contract. As your policies may contain additional coverages and restrictions, the exact wording should be consulted. CAPP 2002 Coverage Summary General Liability : Limits Deductible Public Entity Liability Aggregate Limits General Aggregate $3,000,000 $0 Each Occurrence Limit $3,000,000 $0 Medical Payments-per person $5,000 $0 Employee Benefits $3,000,000 $p Public Officials& Law Enforcement Liability Separate lima from General Aggregate Annual Aggregate $3,000,000 $0' CAPP provides$125,000 of coverage for regulatory-taking type claims after the member county pays$125,000 in claim costs. 'Employment Termination Related claims have a$10,000 deductible. l ,t'r"' Property Limits Deductible Building & Personal Property Replacement Cost Buildings&Contents $50,000,000 $500 .--� Builder's Risk $5,000,000 $500 Sublimits Flood Limit in Zone A, Annual Aggregate $1,000,000 $500 Flood Limit in Zone B, D and X500,Annual Agg. $10,000,000 $500 Flood Limit in Zone C,Annual Aggregate $50,000,000 $500 Newly acquired property $1,000,000 $500 Pollution cleanup and removal $25,000 $500 Inland Marine Mobile Equipment $50,000,000 $500 Boiler and Machinery Equipment breakdown $100,000,000 $5,000 Crime and Bonds Theft,disappearance,destruction $150,000 $500 Auto Limit Deductible Auto Liability Includes Hired/Non-owned $3,000,000 $0 Medical Payments $5,000 $0 Personal Injury/No Fault $3,000,000 $0 Uninsured Motorist n/a n/a Auto Physical Damage Comprehensive Actual cash value $500 Collision Actual cash value $500 Excess Liability "Claims Made" Insurer: St. Paul Fire&Marine Insurance Company Policy No.: GP06301129 Effective Dates: January 1, 2002 to January 1, 2003 Annual Premium: $810,061 LIMITS OF LIABILITY: $ 2,750,000 Automobile Liability, Each Occurrence $ 5,000 Automobile Medical Payments, Each Person $ 2,750,000 Personal Injury, Property Damage, Each Occurrence $ 5,000 Premises Medical Payments, Each Person $ 2,750,000 Public Officials Errors and Omissions Liability, Each Wrongful Act $ 2,750,000 Employee Benefits, Each Wrongful Act $ 2,750,000 Employee Benefits, Aggregate $ 250,000 Employee Benefits, Self-Insured Retention Aggregate Limits of Coverage, in any one policy year: $ 2,750,000 Personal Injury, Property Damage $ 2,750,000 Products & Completed Operations $ 2,750,000 Public Officials Errors and Omissions Liability These aggregate limits above apply separately for CAPP and for each Participating Member County(PMC) PARTICIPATING MEMBER COUNTIES AS NAMED INSUREDS: Alamosa, Archuleta, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Delta, Dolores, Eagle, Elbert, Fremont, Garfield, Gilpin, Grand, Gunnison, Hinsdale, Huerfano, Jackson, Kiowa, Kit Carson, Lake, La Plata, Las Animas, Lincoln, Logan, Mineral, Montrose, Morgan, Otero, Ouray, Park, Phillips, Prowers, Pueblo, Rio Blanco, Rio Grande, Routt, Saguache, San Juan, Sedgwick, Summit, Teller, Washington, Weld, Yuma SELF-INSURED RETAINED LIMIT(INCLUDING INDEMNITY AND DEFENSE): $ 250,000 Each Occurrence or Wrongful Act $ 4,000,000 In Any One Policy Period S..clnu-g,Capp\2onz\SoiEn<cssCusulry4o. 1 MARS H An MMC Company RETROACTIVE DATES: July 1, 1986 except: January 15, 1986 Weld County February 16, 1987 Cheyenne County April 1, 1987 Lake County July 1, 1987 Grand, Montrose, and Fremont Counties July 1, 1988 Delta County July 1, 1997 Custer County for Law Enforcement only COVERAGE: • Claims Made Excess Liability. The Insurer agrees to pay on behalf of the Named Insured Ultimate Net Loss (in excess of the retained limit) liability which the Insured assumes under contract with a Participating Member County or becomes legally obligated to pay as damages because of: • Personal Injury • Property Damage ➢ Public Officials E&O INSUREDS: • CAPP and Participating Member Counties • Former or current elected or appointed officials, including committee members, trustees, boards or commissions, and district attorneys and their assistants while acting for or on behalf of the Named Insured. • Past or present employees, agents, or volunteers of the Named Insured while acting for or on behalf of the Named Insured. • Any person using an automobile owned or hired by a Participating Member County providing the actual use of the automobile is within the scope and permission thereof. EXCLUSIONS: • Obligations under any workers' compensation, occupational disease, unemployment compensation or disability benefits law, or under any similar law. • Property Damage to: > Real Property occupied by or leased to a Named Insured, its agents or subcontractors Real or Personal Property in a Named Insured's care, custody or control, (coverage will attach excess of SIR and excess of any valid and collectible insurance) • As respects liability assumed by a Named Insured under any contract: To any claim from any arbitration proceeding wherein the Company is not entitled to exercise with the Named Insured their rights in the choice of arbitrators, and in the conduct of such proceedings > If the indemnitee of Named Insured is an architect, engineer or surveyor, to the liability of the indemnitee, his agents or employees arising out of: • The preparation or approval of contracts, maps, plans, drawing, etc., or; • The giving or the failure to give directions or instructions by the indemnitee Exclusions do not apply to resulting Personal Injury and Property Damage • Liability arising out of the operation of any airport, except with respect to the maintenance of buildings or premises ,PP 2\Sol Excess Casualty r,o° 2 MARS H An MAC Company • Liability for Personal Injury or Property Damage arising out of the rendering or failure to render health professional services: > Which results from any surgical procedures, or; > Services performed at any hospital • Failure to supply a specific amount of electrical power, fuel or water or to liability arising out of the interruption of the electrical power, fuel or water supply • Nuclear Energy Liability • Discharge, dispersal, release or escape of pollutants, including cleanup • Manufacture of, mining of, use of, sale of, installation of, removal of,distribution of or exposure to, asbestos products, asbestos fibers or asbestos dust • Liability imposed upon an Insured under the Employee Retirement Income Security Act of 1974 • Claims arising out of advances involving intentional physical contact, whether consensual or not. Exclusion applies only to any person who has made any sexual advances involving intentional physical contact or who knowingly participated in such conduct by another. • Ownership, maintenance or use, including loading or unloading, of aircraft, or watercraft over 26' in length, if said watercraft is used to carry persons for hire • War • Circumstances notified to other insurance carriers • Claims resulting from occurrences prior to the Retroactive Date(s) • Advertising, Broadcasting, Publishing or Telecasting Operations • Premises Medical Expenses for any of the following: > A person injured on that part of your premises that the person normally occupies > Coverage provided under Products and Completed Operations Liability > A person injured while practicing for or participating in any athletic or sports contest or exhibition sponsored, conducted or directed by an Insured ➢ Any person who is sentenced and imprisoned in, committed to, confined in, or detained in any county jail or other detention facility • Any claim or suit that seeks declaratory or injunctive relief • Under Public Officials Error and Omissions Liability: > Automobile Liability, Personal Injury or Property Damage > Liability arising out of estimates of probable costs or cost estimates being exceeded or for faulty preparation of bid specifications or failure to award contracts in accordance with statute or ordinance > Injury to, destruction or disappearance of any tangible property (including money) or the loss of use thereof. > Willful commission of a crime or other dishonest or fraudulent act > Financial gain to which an Insured is not legally entitled Faulty preparation of maps, plans reports, surveys, designs,bid documents, or specifications; but this exclusion does not apply to these services when provided by an Insured for a Named Insured ➢ Activities in a fiduciary capacity > Eminent domain, inverse condemnation, regulatory taking adverse possession or dedication by adverse use (does not apply to zoning variances, zoning or rezoning decisions) > Back wages, overtime or other wage related compensation • Improper administration or collection of taxes > Activities or operations of Housing Authorities, Port Authorities, School Boards, or Railroad Boards s4ma.e‘cavwaon.`soP,e,«s.casti,.ny-mc 3 MARS H An MMC Company CANCELLATION: 90 Days Written Notice to Division of Insurance ENDORSEMENTS: • Named Insured • Employee Benefits Program Administration Liability • Non-Waiver of Governmental Immunity • Other Insurance Redefined Endorsement • Retroactive Date endorsement • Colorado Personal Injury Protection (Automobile) • Pollution Exclusion Redefined • Waiver of Subrogation • Auto Medical Payments and Premises Medical Payments Definition • Form MCS - 90 EXTENDED REPORTING PERIOD: You may purchase a 36 month period * of Extended Reporting after termination or non-renewal by payment of not more than 200% of the annual premium within 30 days of the effective date of termination or non-renewal. • A period of time in which to report to the Insurer claims made during the Extended Reporting Period for acts which occurred prior to termination or non-renewal. The Limit of Liability is not reinstated during this Extended Reporting Period. IMPORTANT REPORTING REQUIREMENTS: Written notice of occurrence reasonably likely to involve the Company, "as soon as practicable" of all claims which involve: (i) Death; (ii) Brain damage; (iii) Paraplegic or quadriplegic impairment; (iv) Eyesight; (v) Third degree burns; (vi) Traumatic loss of or surgical amputation of a limb; (vii) A serious case where, in the judgment of the Insured or its defense counsel, reserves exceed$125,000 4-- S kli\a-y\CAMP?Do21Soi\Exccs,C,suaIty.doc 4 MARS H An MAC Company Excess Property, Crime, and Boiler & Machinery Insurer: St. Paul Fire&Marine Insurance Company Policy No.: GP006301110 Effective Dates: January 1, 2002 to January 1, 2003 Annual Premium: $435,274 EXCESS PROPERTY: COVERAGE LIMITS: $ 50,000,000 SELF-INSURED RETENTION: $ 150,000 Each Claim NAMED INSURED: Colorado Counties Casualty and Property Pool and Participating Member Counties. Insured includes: any official, trustee or employee of the Named Insured while acting within the scope of his duties as such, and any person, organization, trustee or estate to whom the Named Insured is obligated by written contract or agreement to provide insurance, but only in respect to operations by or on behalf of the Named Insured. PARTICIPATING MEMBER COUNTIES AS NAMED INSUREDS: Alamosa, Archuleta, Baca, Bent, Chaffee, Cheyenne, Clear Creek, Conejos, Costilla, Crowley, Custer, Delta, Dolores, Eagle, Elbert, Fremont, Garfield, Gilpin, Grand, Gunnison, Hinsdale, Huerfano, Jackson, Kiowa, Kit Carson, Lake, La Plata, Las Animas, Lincoln, Logan, Mineral, Montrose, Morgan, Otero, Ouray, Park, Phillips, Prowers, Pueblo, Rio Blanco, Rio Grande, Routt, Saguache, San Juan, Sedgwick, Summit, Teller, Washington, Weld, Yuma CAUSES OF LOSS: • Covers "All Risks" of Direct Physical Loss, including Flood and Earthquake, Subject to Exclusions • For Automobiles, Risks of Direct Physical Loss, including Collision S CAPP,2""ISou,Erces,P,ope�ydo° MARS H An MMC Company VALUATION: • Replacement Cost(If property not repaired, rebuilt or replaced within two years, Actual Cash Value applies). • Actual Cash Value for Automobiles COINSURANCE: None PROPERTY COVERED: • All real and personal property, including leasehold improvements and betterments, of every kind and description, wherever located. • Automobiles owned by the Insureds or on which the Insureds have an obligation to provide adequate insurance. IMPORTANT POLICY FEATURES: $ 1,000,000 Flood Limit in Zone A, Annual Aggregate $ 10,000,000 Flood Limit in Zone B, D, and X500, Annual Aggregate $ 50,000,000 Flood Limit in Zone C, Annual Aggregate $ 50,000,000 Earthquake Limit, Annual Aggregate $ 1,000,000 Newly Acquired Property, per location(values in excess of$1,000,000 to be reported within 60 days) $ 5,000,000 Builders Risk(Unscheduled) $ 500,000 Unscheduled Locations, any one occurrence $ 50,000 Personal Property of Others EXCLUSIONS: • Vermin or insects, wear or tear, rust,wet or dry rot, or mold • Radioactive contamination or other contamination(except by hostile fire) • Loss of use, delay • Breakdown of machinery or boiler explosion (exclusion does not apply to EDP equipment and media) • Dampness of atmosphere or variation in temperature except as caused by Fire or Extended Coverage perils or loss by freezing. • Loss of electrical appliances, including wiring • With regard to real property: > Settling, normal shrinkage or expansion of foundations, walls, floors or ceilings > With regard to personal property: Loss by mechanical derangement, inherent vice or latent defect > Loss from processing or faulty workmanship Shrinkage, evaporation, toss of weight or leakage ▪ Inventory shortage S rdiAa-g CAPPA?on➢SodEx ccssProperty.doc 2 MARSH An MMC Company • Property excluded: > Animals, aircraft, standing timber, growing crops, currency, money, notes, securities, bridges,culverts, roadways,streets, walks, or paved surfaces, dams, docks, piers, and wharves. ENDORSEMENTS: • Transit Extension Insuring Clause (excludes ocean marine transit and property in the custody of the Post Office Department) • Extra Expense 40/80/100 of Limit • Amend Cancellation to 90 Days • Pollution Exclusion Endorsement • Extension of Pollution Cleanup and Removal - $25,000 any one occurrence/ $25,000 aggregate (per PMC) • Year 2000 or Other, Related or Electronic Date Computer Exclusion Endorsement CANCELLATION PROVISION.: 90 Days Notice BOILER AND MACHINERY: LIMITS& SUBLIMITS: $ 100,000,000 Combined for Property Damage, Business Income, Extra Expense, Expediting Expense, Off Premises Service Interruption, Ammonia Contamination,Water Damage, Brands and Labels, Newly Acquired Locations, and Errors in Description Sublimits Per Accident $ 1,000,000 Ordinance or Law $ 100,000 Ammonia Contamination $ 100,000 Expediting Expenses $ 100,000 Water Damage $ 25,000 Hazardous Substances $ 25,000 Consequential Damage VALUATION: Repair or Replacement Sdd!'a-6,CAPP`3002\So,ExcessPropcn%doe 3 MARS H An MAC Company DEDUCTIBLES: Deductibles Apply to All Locations/Objects $ 5,000 Property Damage,Per Accident 12 Hours Business Income and Extra Expense $ 5,000 Spoilage COVERAGE: Direct damage caused by an"Accident" (sudden and accidental breakdown) to a covered object COVERED OBJECTS: Comprehensive, Including Production Machinery COVERED LOCATIONS: Any location in the U.S. which is owned by an Insured or leased by and operated under the control of an Insured and for which the Insured is legally liable. EXCLUSIONS: • Ordinance or Law • Nuclear • War and Military Action • Loss caused by: Earth movement Explosion except of any steam boiler, electric steam generator, steam piping, steam turbine, steam engine, gas turbine, or moving machinery caused by centrifugal force or mechanical breakdown ▪ An "accident" to any "object" while being tested Fire or explosion occurring at the same time as an "accident" or that ensues from an "accident" ➢ Explosion of gas or unconsumed fuel within furnace r An "accident" that results from an explosion or fire r An "accident" resulting from lightning, if covered by other insurance ✓ Water or other means used to extinguish a fire Lack of power, light, heat, steam, or refrigeration i- Damage to property by water as a result of an "accident" to part of an air conditioning system • Hydrostatic, pneumatic or gas pressure tests 1. Flood, however if the "accident" results from a flood, coverage applies for direct damage to covered property caused by the "accident" • Additional exclusions with respect to Business Income, Extra Expense and Off Premises Service Interruption: S[;cli\a-g'C PPenn2VSo'Eux,cPmpcny.doc 4 MARS H An/AMC Company "f Interruption of business that would not or could not have been carried on if the "accident" had not occurred ➢ Failure to use diligence and reasonable means to resume business at described premises fr Lapse or cancellation of contract • Additional exclusions with respect to Spoilage (Coverage is Actual Cash Value): > Failure to use reasonable means to protect perishable goods from damage following an "accident" • Additional exclusions with respect to Off Premises Service Interruption: An "accident" caused by fire, lightning, sprinkler leakage, windstorm, hail, aircraft, vehicles, smoke, earth movement, water, flood, explosion(unless covered by the Boiler &Machinery coverage), civil authority, vandalism, or molten material ENDORSEMENTS: • • Demolition and Increased Cost of Construction Coverage • Amend Newly Acquired Property reporting to 365 days • Amend Cancellation provision to 90 days • Utility Interruption Coverage(on or off premises) • Consequential Damage • Combined Business Interruption and Extra Expense • Brands and Labels • Omnibus Location Description • Limit-Any One Accident • Sublimits endorsement • Colorado Amendatory CANCELLATION: • 90 Days Notice • 10 Days Notice for nonpayment of premium NON-RENEWAL: 45 Days Notice IMPORTANT REPORTING REQUIREMENTS: • New locations at renewal • "Prompt" notice of losses 5`,diAv-gCAPPA?00]1SoiAExcessProperty.Uoc 5 MARS An!AMC Company EXCESS CRIME: COVERAGE LIMITS: $ 150,000 Employee Theft, Per Loss $ 150,000 Forgery or Alteration $ 150,000 Money& Securities $ 150,000 Inside the Premises, Robbery& Safe Burglary $ 150,000 Outside the Premises SELF-INSURED RETENTION: $ 150,000 Employee Theft $ 150,000 Robbery & Safe Burglary $ 150,000 Forgery&Alteration $ 150,000 Money& Securities ENDORSEMENTS: • Self-Insured Retention Endorsement S:Aclflo-6ACAPPC002ASoiA4ccessVmpcny.Juc 6 MARSH An MAC Company Hello