HomeMy WebLinkAbout000202.tiff S
Serving Colorado's Counties
Colorado Counties
Casualty and Property Pool
Insuring Agreements
January 1, 2003 through December 31, 2003
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Insurance Summary ter
Excess Liability Policy
Excess Property Policy
4 Boiler & Machinery Policy
Miscellaneous
Colorado Counties Casualty & Property Pool
Excess Liability Insurance Summary
January 1, 2003 to January 1, 2004
This account 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
Presented by:
Lorraine Kehm, Senior Vice President
Shelley Urwiller, Client Representative
Marsh USA Inc.
122517"Street, Suite 2100
Denver, Colorado 80202-5534
(303) 308-4500
202
Excess Liability "Claims Made"
Insurer: St. Paul Fire& Marine Insurance Company
Policy No.: GP06301129
Effective Dates: January 1, 2003 to January 1, 2004
Annual Premium: $1,037,268
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
$ 1,000,000 Sewer Back-Up, Each Occurrence
$ 2,750,000 Public Officials Errors and Omissions Liability, Each Wrongful Act
$ 2,750,000 Employee Benefits, Each Wrongful Act(Claims Made)
$ 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:\ch I
MARSH
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 INCLUDING BUT NOT LIMITED TO:
• 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
g:kLle-g\CAPP\2001\RM.SolEsceuCasuehy.doc 2 MARSH
An MMC Company
EXCLUSIONS CONTINUED:
• 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
• Noise Pollution Liability
• 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.
• Liability arising out of ownership,maintenance,or use, including the loading or unloading of
aircraft.
• 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
S. A person injured while practicing for or participating in any athletic or sports contest or
exhibition sponsored, conducted or directed by an Insured
S. 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
• Back wages,overtime or other wage related compensation
• Liability that results from the failure of any insured to do what is required by contract or
agreement
• Liability that results from eminent domain, inverse condemnation,regulatory taking, adverse
possession or dedication by adverse use
• Liability for bodily injury to an employee of the Insured arising out of and in the course of his
or her
Si. Employment by the protected person or
➢ Performance of duties related to the conduct of the protected person's operations
• Liability that results from any actual or alleged infringement or violation of any of the
following rights or laws,
➢ Copyright,Patent,Trade dress,Trade name,Trade Secret,Trademark,Other intellectual
property rights or laws
> But does not apply to bodily injury or property damage that results from Products
Liability or Completed Operations Liability or Personal Injury that results from the
unauthorized use of any copyrighted or trademarked advertising material, slogan, style, or
title of others in your advertising
S kG\aB\CAPP\2003\RM'Sai'Exce uCuuahy.doc 3
MARSH
An MMC Company
EXCLUSIONS CONTINUED:
• Liability that result from any actual, alleged,or threatened, absorption, ingestion, or
inhalation of mold or other fungi,or bacteria, in any form by any person or existence of mold
or other fungi, or bacteria, in any form
➢ But this exclusion doesn't apply to bodily injury,property damage, or medical expenses
that result from mold or other fungi, or bacteria, which are, or are on., in, or part of,any
good products that's intended to be consumed as a food, beverage, or medicine
➢ Bodily injury or medical expenses that result from bacteria which are directly transmitted
solely by or from another person to the person sustaining the bodily injury or
➢ Bodily injury or medical expenses that result from a bacterial infection which develops in
connection with physical harm to the person sustaining the bodily injury, if such physical
harm isn't excluded by this exclusion part, or any other part of this exclusion,and a claim
or suit is made or brought against the protected person for such physical harm
• 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)
➢ Improper administration or collection of taxes
➢ Activities or operations of Housing Authorities, Port Authorities, School Boards, or
Railroad Boards
➢ Multiplied Damages
➢ Violation ERISA and other employment laws, however, exclusion does not apply to loss
that results from retaliatory action against employees
➢ Liability that results to any employee strike or lockout,however,exclusion does not
apply to loss that results from retaliatory action against employees
➢ Breach of Contract. However,this exclusion will not apply to any oral or implied
employment related contract or agreement
CANCELLATION:
90 Days Written Notice to Division of Insurance
S,\cli\sg\CAPP22003\RM\Sol\ExcemmCawMy.doc 4
MARSH
An MMC Company
ENDORSEMENTS:
• Named Insured
• Employee Benefits Program Administration Liability
• Retroactive Date endorsement
• Colorado Personal Injury Protection(Automobile)
• 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 bums;
(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
S\ ,..e,CAPP\2003\RNI\So,\E.�CasualtYdoc 5 MARSH
An MAC Company
Colorado Counties Casualty & Property Pool
Excess Property Insurance Summary
January 1, 2003 to January 1, 2004
This account 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
Presented by:
Lorraine Kehm, Senior Vice President
Shelley Urwiller, Client Representative
Marsh USA Inc.
122517`Street, Suite 2100
Denver, Colorado 80202-5534
(303)308-4500
MARS H
An MAC Company
Excess Property, Crime, and Boiler & Machinery
Insurer: St.Paul Fire& Marine Insurance Company
Policy No.: GP006301110
Effective Dates: January I,2003 to January 1, 2004
Annual Premium: $651,274
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
VALUATION:
• Replacement Cost(If property not repaired,rebuilt or replaced within two years, Actual Cash
Value applies).
• Actual Cash Value for Automobiles
S`clisa-feCAPP,2CO3,RIMSOExcessPropaly.aoc 1
MARSH
An MAC Company
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
$ 25,000,000 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
$ 1,000,000 Ordinance Deficiency
$ 1,000,000 Extra Expense
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, or loss of markets
• 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, loss of weight or leakage
> Inventory shortage
• Property excluded:
> Animals, aircraft, standing timber, growing crops, land, currency, money,notes,
securities,bridges, culverts,roadways, streets,walks,or paved surfaces, dams,docks,
piers, and wharves.
S:\hn\CAPPS007\RMSOExcmPTopary.Ax 2
MARSH
An AMC Company
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
• Mold or Bacteria Exclusion Endorsement with Limited Additional Coverage
• Earth Movement Endorsement
• Flood Endorsement
• Auto Physical Damage Endorsement
CANCELLATION PROVISION:
90 Days Notice
BOILER AND MACHINERY:
LIMITS& SUBLIMITS:
$ 50,000,000 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 Extra Expense
$ 100,000 Ammonia Contamination
$ 100,000 Expediting Expenses
$ 100,000 Water Damage
$ 100,000 Hazardous Substances
$ 100,000 Spoilage
$ 100,000 Pollution Cleanup and Removal
VALUATION:
Repair or Replacement
DEDUCTIBLES:
Deductibles Apply to All Locations/Objects
$ 5,000 Extra Expense
$ 5,000 Spoilage
$ 5,000 All Other Loss or Damage
S;'tIM-g•CAPP2 O3\RMSol\EaWiltOV nYwdoc 3
MARSH
An MMC Company
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:
• Electronic Recordings
• Media
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:kh\rg\CAPP30UPMt.So\ExcewPopaty.doc 4
MARSH
An MAC Company
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