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Home My WebLink About790364.tiff RESOLUTION RE: ACQUISITION OF INSURANCE COVERAGE. WHEREAS, the Board of County Commissioners of Weld County, Colorado, pursuant to Colorado Statute and the Weld County Home Rule Charter, is vested with the authority of administering the affairs of Weld County, Colorado, and WHEREAS, the majority of the insurance policies covering the activities of Weld County are due to expire January 15, 1980, and WHEREAS, the County Council has raised concern regarding the fact that Weld County has not formally requested bids for insurance since the enactment of the Home Rule Charter, and WHEREAS, Anderson & Whitney, in the course of doing their financial audit for Weld County in 1978 cited in their management letter the lack of competitive bids for insurance in recent years, and WHEREAS, recent trends and claims against Weld County have caused the management of the County to review all insurance coverage that Weld County has, and based upon the review there is indications that there are needs for more complete and comprehensive coverage of the risk and exposures of Weld County, and WHEREAS, the Greeley-Weld Insurors have provided coverage to Weld County in recent years via the conventional insurance market, and WHEREAS, many government entities are becoming protectively self insured in order to provide broader coverage in a more economical way, and WHEREAS, a complete open and unrestricted bidding process for insurance could work to the disadvantage of Weld County by flooding the insurance underwriter market to such an extent that coverage would be difficult to ac- quire in specific areas, and WHEREAS, it appears that the use of the Greeley-Weld Insurors is the most practical way to provide conventional coverage, and WHEREAS, based on an investigation of brokers to serve government entities under a protective self insurance approach indicates that Arthur J. Gallagher & Company is the most experienced firm serving government entities in the Colorado area, and c /' 790364 FI COO k„s WHEREAS, it is the objective of the Board of County Commissioners to provide the most comprehensive insurance coverage for the activities of Weld County in the most economical manner to Weld County. NOW, THEREFORE, BE IT RESOLVED that the Board of Weld County Commissioners directs the Director of Finance and Administration to develop a request for proposal for a comprehensive insurance program for Weld County, and BE IT FURTHER RESOLVED by the Board of Weld County Commissioners that the full bidding process is hereby waived since it would not be in the interest of Weld County to have an unrestricted bid for insurance coverage, and BE IT FURTHER RESOLVED by the Board of County Commissioners that the Greeley-Weld Insurors, who are currently the insurance agents for Weld County, be assigned as the broker agents to develop an insurance program in the conventional insurance market, and BE IT FURTHER RESOLVED by the Board of County Commissioners of Weld County, Colorado, that Arthur J. Gallagher & Company be assigned as the brokers in the protected self insurance market for proposal purposes, and BE IT FURTHER RESOLVED by the Board of County Commissioners that each of the broker/agents named above will be requested to submit complete insurance proposals in accordance with the requests for proposal developed by the Direc- tor of Finance & Administration by January 3, 1980, and BE IT FURTHER RESOLVED by the Board of County Commissioners of Weld County, Colorado, that a selection committee designated by the Board will be appointed to review the proposals with the Board of County Commissioners on January 3, 1980, and BE IT FURTHER RESOLVED by the Board of County Commissioners that the Board will make the selection of one of the two insurance proposals on January 7, 1980 with coverage effective January 15, 1980 through January 14, 1983. BE IT FURTHER RESOLVED by the Board of County Commissioners of Weld County, Colorado, that the above approach appears to be the most practical way to insure competitive bidding for insurance in Weld County, and to insure that the most comprehensive insurance coverage for the activities of Weld County government are acquired in the most economical manner. BE IT FURTHER RESOLVED by the Board of County Commissioners of Weld County, Colorado this Board hereby rescinds any agent of record or broker of record previously issued concerning insurance coverage for Weld County for comprehensive insurance coverage beyond January 15, 1980. The above and foregoing resolution was, on motion duly made and seconded, adopted by the following vote on the 7th day of November, A.D. , 1979. BOARD OF COUNTY COMMISSIONERS WELD COUNTY, COLORADO /- ~- Norman Carlson, airman Lydi/Dunbar, Commissioner ABSENT Bill Kirby, Commissioner Leonard Roe, Commissioner /o ' /�L�.4(%nit'74�L//Jf/. LT e Steinmarf, Commissioner •i . ,,. ',. ATTEST: Weld County Clerk and Record and Clerk o the Board ty County Clerk ""- c " t O County Attorney ll// DATE PRESENTED: NOVEMBER 7, 1979 nrFl1. F nfl I'( l.,WI) OF C.U' }IHF'' c omIssIoNERs PHONE: 13031 356 4000 EXT. 200 P.O. BOX 758 X Ot GREELEY, COLORADO 80631 c, , COLORADO November 1, 1979 Arthur J. Gallagher and Company Greeley-Weld Insurors Gould Center, Golf Road Box 688 Rolling Meadows, Illinois 60008 Greeley, CO 80631 ATTENTION: David F. Romaine, Account Executive Gentlemen: In order to more fully comply with Section 14-9 of the Weld County Home Rule Charter that deals with bidding procedures for the County to assure open and competitive bidding, the Weld County Board of County Commissioners have adopted the attached resolution concerning insurance. By following the procedures outlined in the resolution, the Board is confident that the intent of the Charter will be met in the acquisition of comprehensive and economical insurance coverage for Weld County. Because of the uniqueness of the insurance market for local governments, the bidding process must be modified to insure that the process does not work to the detriment of the County by flooding underwriters with insurance requests from numerous agents. Therefore, the County wishes to 'assign markets to the agents/brokers who can provide the most economical and comprehensive coverage for Weld County into the two most prevalent methods of insuring County government operations, which are via the conventional insurance market and protected self-insurance. The Greeley-Weld Insurors, who have satisfactorily provided insurance coverage under the conventional insurance approach to Weld County, will be assigned the conventional insurance market for the development of a proposed conventional insurance program. An investigation by Weld County of brokers to serve government entities under a protected self-insurance approach indicates that Arthur J. Gallagher & Company is the most experienced and recommended firm serving government entities in the Colorado area. Therefore, the Board will be assigning Arthur J. Gallagher & Company the protected self-insurance excessive coverage.. market for the development of a proposed protected self-insurance program. By assignment of insurance markets, the County is confident that there will not be overlapping requests for coverage made to the same underwriters on Weld County's behalf. To accommodate the above, it is requested that both the Greeley-Weld Insurors and Arthur J. Gallagher & Company submit a proposed list of insurance markets (underwriters) that they intend to use to complete the enclosed request for proposal in order of preference no later than November 10, 1979 to the following address: Donald D. Warden, Director of Finance & Administration Weld County, Colorado 915 10th Street Greeley, CO 80631 Weld County will then review the list of markets in preference order to insure that there are no overlapping markets that could adversely impact Weld County. On or before November 16, 1979, assigned markets will be given both the Greeley-Weld Insurors and Arthur J. Gallagher & Company, based upon the order of preferences submitted by each. If you have any questions concerning the above, please feel free to contact Donald Warden at 356-4000, Ext. 218. Very truly yours, Norman M. Carlson, Chairman Board of County Commissioners NMC/DDW/ch • fc t a' OFFIt I nF Pr) Ian OF ( ' 'ilr•lly ( IIg1iMISSIONERS ') 1Cms4 PIU)Nk .13031 :356-4000 EXT. 200 -P.O. PDX 758 Dc GREE LE V, COLORADO 80631 COLORADO November 1, 1979 Greeley-Weld Insurors Arthur J. Gallagher and Company Box 688 Gould Center, Golf Road Greeley, CO 80631 - Rolling Meadows, Illinois 60008 ATTENTION: David F. Romaine, Gentlemen: Account Executive In order to more fully comply with Section 14-9 of the Weld County Home Rule Charter that deals with bidding procedures for the County to assure open and competitive bidding, the Weld County Board of County Commissioners have adopted the attached resolution concerning insurance. By following the procedures outlined in the resolution, the Board is confident that the intent of the Charter will be met in the acquisition of comprehensive and economical insurance coverage for Weld County. Because of the uniqueness of the insurance market for local governments, the bidding process must be modified to insure that the process does not work to the detriment of the County by flooding underwriters with insurance requests from numerous agents. Therefore, the County wishes to assign markets to the agents/brokers who can provide the most economical and comprehensive coverage for Weld County into the two most prevalent methods of insuring County government operations, which are via the conventional insurance market and protected self-insurance. The Greeley-Weld Insurors, who have satisfactorily provided insurance coverage under the conventional insurance approach to Weld County, will be assigned the conventional insurance market for the development of a proposed conventional insurance program. An investigation by Weld County of brokers to serve government entities under a protected self-insurance approach indicates that Arthur J. Gallagher & Company is the most experienced and recommended firm serving government entities in the Colorado area. Therefore, the Board will be assigning Arthur J. Gallagher & Company the protected self-insurance excessive coverage market for the development of a proposed protected self-insurance program. . By assignment of insurance markets, the County is confident that there will not be overlapping requests for coverage made to the same underwriters on Weld County's behalf. To accommodate the above, it is requested that both the Greeley-Weld Insurors and Arthur J. Gallagher &Company submit a proposed list of insurance markets (underwriters) that they intend to use to complete the enclosed request for proposal in order of preference no later than November 10, 1979 to the following address: Donald D. Warden, Director of Finance & Administration Weld County, Colorado 915 10th Street Greeley, CO 80631 Weld County will then review the list of markets in preference order to insure that there are no overlapping markets that could adversely impact Weld County. On or before November 16, 1979., assigned markets will be given both the Greeley-Weld Insurors and Arthur J. Gallagher & Company, based upon the order of preferences submitted by each. If you have any questions concerning the above, please feel free to contact Donald Warden at 356-4000, Ext. 218. Very truly yours, Norman M. Carlson, Chairman Board of County Commissioners NMC/DDW/ch WELD COUNTY REQUEST FOR PROPOSAL FOR INSURANCE COVERAGE INVITATION TO SUBMIT A PROPOSAL FOR INSURANCE COVERAGE FOR WELD COUNTY Weld County, Colorado solicits the Greeley-Weld Insurors to submit a proposal for a conventional insurance coverage program and Arthur J. Gallagher & Company to submit a proposal on a professionally serviced protective self-insurance program for Weld County, as listed on the attached pages which constitute this request for proposal. All terms,. specifications, and conditions set forth on the attached pages are part of this proposal request. Both proposers' should conform to the request specifications. Each and every deviation from the request specifications should be speci- fically noted. Rights are reserved to reject any and all requests and to waive all technicalities. Both proposals must be filed with the Director of Finance and Administration prior to 10:00 a.m. on January 2, 1980 at 915 10th Street, Greeley, Colorado, Room 319. Both proposers must be prepared to make an oral presentation of their proposal and answer any questions of the selection committee at 9:00 a.m. on January 3, 1980, in Room 316 of the Centennial Building located at 915 10th Street, Greeley, Colorado. Direct all questions concerning this request for proposal to the Director of Finance and Administration at 356-4000, Ext. 218. INSTRUCTIONS AND REQUIREMENTS 1. Bids will be received at the time and place indicated below. Proposals received after specified deadline will be returned unopened. Office of Finance & Administration Weld County Centennial Center 915 10th Street, Room 319 Greeley, CO 80631 2. All proposals must be submitted in quadruplicate in a sealed envelope. 3. Weld County expressly reserves the right to waive any formalities in any proposal and to reject any and all proposals. 4. Due care and dilligence has been used in the preparation of this in- formation for these services and insurance coverage, and it is believed to be substantially correct. The responsibility for determining the full extent of the exposures and the verification of all information presented herein shall rest solely upon the proposer. Weld County . and its' representatives will not be responsible for any errors and ommissions in the specifications nor for the failure on the part of the proposer to determine the full extent of the exposures. 5. Name of the policyholder shall be Weld County, Colorado. 6, The effective date of the contract will be January 15, 1980, and will expire January 15, 1983. 7. Any insurance policy(s) shall show Weld County, Colorado as the named insuror. The name of the company must be given in your request with a copy of the policy(s) to be used, including all endorsements, restric- tions, exclusions, conditions, etcetera. 8. Financial ratings of insuror will be required and should be stated. 9. All'policies and contracts must include sixty (60) days cancellation notice by either party, and the unearned premium fees and loss funds will be rebated and/or paid on a prorata basis (no short rates) . This will be a minimum of time to replace all policies in the event that it becomes necessary. 10. Notice of recommended change in funding of retention, loss fund or premiums or inservice fee should be given at least ninety (90) days prior to any anniversary date, except for agreed to changes in coverage, or other conditions in basic agreement. The basis for any change in premiums must be stated. - - " 11. Request form requirements gives a format that should be followed as closely as possible, rather than a form. 12. Proposal should give exact, clear, concise, and precise detail of all terms. NOTICE TO PROPOSERS Proposals submitted by both Greeley-Weld Insurors and Arthur J. Gallagher & Company should address the suggested coverages and limits of insurance, included in Part I in the proposals submitted. Each and every deviation from the suggested coverages and limits should be specifically noted. All questions in Part II of the request for proposal must be fully answered and submitted with the final proposal. Both proposals must be accompanied by the policy coverage forms to be used and proposal form requirements must be completed for each type of policy submitted. Part III should only be completed by Arthur J. Gallagher & Company, who are submitting the self-insurance proposal. Greeley-Weld Insurors is welcome to make any comments regarding Part III they wish, but it is not a required part of their proposal. The following exhibits are attached: Exhibit A -- Schedule of Values Exhibit B -- Equipment List Exhibit C -- Loss Data It should be noted that Greeley-Weld Insurors, where appropriate, may propose extension of existing policies at their option. PART I SUGGESTED COVERAGE AND LIMITS PART I: SUGGESTED COVERAGES AND LIMITS OF. LIABILITY A. Property: All buildings, structures and contents unless specifically excluded. $100 deductible per occurrence. See enclosed Extension of Property Coverage beyond Normal Coverages for further details and all the schedule of Properties. Schedule indicates cost price and other descriptions. However, Replacement Cost (without depreciation) will be the only coverage acceptable. B. Vehicle: 1. This coverage to be on all vehicles -- owned, borrowed, or leased by the Board. 2. Physical Damage $100 deductible Collision on all leased, rented or borrowed vehicles only. Comprehensive ($100 deductible) on all vehicles. 3. Medical Payments $5,000 per person. 4. Automatic coverage for newly acquired vehicles upon acquisition with no notice necessary including Liability and Physical Damage as noted above on all vehicles. 5. Comprehensive to include fire, theft, windstorm, etcetera. 6. Optional Liability Limits of $1,000,000, $5,000,000, $10,000,000 per occurrence. Adequate description of all properties are given for major Replacement Value to be arrived at for underwriting purposes. Figures in schedules do not necessarily represent Replacement Values. Conventional Bids should lend themselves to the fleet principle, so that every addition or deletion would not have to be endorsed on or off at the time. Once a year audit for adjusting premium and pro rata both ways. C. Inland Marine: 1. This coverage to be on all equipment -- owned, borrowed or leased by the Board. 2. Replacement cost without depreciation will be only coverage acceptable. 3. Schedule indicates cost price and other descriptions. 4. Automatic coverage for newly acquired vehicles upon acquisition with no notice necessary. ... - 5. Comprehensive to include fire, theft, windstorm, etcetera. A. Comprehensive General Liability Coverage should include but not be limited to the following exposures. Premises Operations Products/Completed Operations Vendors Coverage Independent Contractors Broad Form Contractual Liability Personal Injury Broad Form Property Damage Employee Benefit Liability Advertiser' Liability Host Liquor Liability Watercraft Liability Employees as Additional Insureds Fire Legal Liability Elevator Collision Public Official Liability Errors and Omissions Limits: Options. of $1,000,000,. $5,000,000 and $10,000,000 per occurrence. See extension of. Liability coverage for further details. B. 1. Employee Fidelity -- $100,000 per occurrence. 2. Money and Securities -- $100,000 each and every occurrence at each location. Board Form. 3. Securities &Physical Damage -- $1,000,000 per occurrence. C. What Is Not Included 1. Personally owned automobiles. 2. - Property Losses of a degenerative nature -- wear and tear, deterioration. 3. War Risk and Nuclear Damage. 4. The first $100 of each property loss. Physical damage (collision or comprehensive) will not be covered on any vehicle except as noted on prior page. D. Extension of Property Coverage Beyond Normal Coverages . 1. All risk property coverage will be provided at required limits for each and every loss at each and every location. The limit of insurance will be set at a level high enough to cover a complete loss at the County's highest valued location and this limit will then apply to each loss at each location. 2. Losses to buildings and contents on a 100% replacement cost basis without depreciation. Neither need to be replaced to recover replacement cost. Replacement not limited to repairs or rebuilding at the involved site and with materials of the like and quality. 3. Collapse of buildings or parts thereof extended to all risks of loss except normal settling, normal shrinkage, or normal expansion in foundations, walls, floors, or ceilings. 4. Automatic protection for newly.acquired properties including contents and owned builder's risk with no notice necessary. 5. No coinsurance clause or requirement. 6. No scheduling of properties or values. 7. No calculation of individual location rates. 8. "All Risk" to include flood coverage. Annual aggregate limit $250,000. 9. "All Risk" to include water damage from rising water, back up of sewers, and wind driven rain. 10. Replacement cost extends to any additional cost for rebuilding or repairing to meet ordinance requirements. 11. Cost of demolishing portions of buildings which are required to be removed because of damage by an insured hazard is covered. 12. Damage by surface water, waves, tidal wave or spray from any of. the foregoing. 13. Loss by freezing whether buildings are occupied or vacant. 14. Loss to statuary, marble, glass, fences, structures whether on or off the premises. 15. Loss by animals or birds. 16. "All Risk" includes earthquake coverage -- $500,000 annual aggregate limit. 17. Boiler Inspection and Insurance -- $500,000 per accident. p E. Extensions of. Liability Coverage 1. Care, custody and control coverage. 2. Personal injury includes libel, slander, false arrest, defamation of character, invasion of privacy, wrongful eviction, discrimina- tion, shock, mental anguish, false imprisonment, detention, humiliation, piracy or infringement of copyright, wrongful entry, disability, mental injury, malicious prosecution. 3. Blanket Contractual Liability -- all written contracts. 4. Insurance extended to include Employee's errors and omissions. 5. Insurance extended to include Public Official Liability. 6. Board named insured covers all employees. 7. Premises medical payments ($5,000 per person) . 8. Riot, civil commotion, mob action or act or omission in connection with the prevention or suppression of these acts is covered. 9. Products Liability. 10. Comprehensive medical professional liability for Health Department. F. Extensions of Crime Coverage 1. Robbery, burglary and theft of all property including money and securities both inside and outside. 2. Employee fidelity including faithful performance. PART II ADDITIONAL COVERAGE SPECIFICATIONS AND SERVICE SPECIFICATIONS PART II ADDITIONAL COVERAGE SPECIFICATIONS PROPERTY 1. No Coinsurance Clause or Requirement. Available? Yes No Add'l Cost (or%) 2. All Risk Replacement to buildings without listing properties. Available? Yes No Cost 3. All Risk Replacement to contents without scheduling values. Available? Yes No Cost 4. All Risk Replacement to structures other than buildings. Available? Yes No . Cost 5. Automatic coverage on newly acquired property, including contents, anywhere in the world without notice. Available? Yes No Cost 6. Automatic All Risk Builders Risk, without additional premium. Available? Yes No Cost 7. Buildings and Contents do not have to be replaced to recover replacement cost. Available? Yes No Cost 8. All Risk to include collapse of buildings or parts thereof (except normal settling, shrinkage or expansion) . Available? Yes No Add'l Cost (or %) 9. All Risk to include Flood Damage ($250,000 Annual Aggregate) . Available? Yes No Add'l Cost (or %) 10. All Risk to include loss by freezing whether buildings are occupied or vacant. Available? Yes No Cost 11. All Risk to include water damage from backing up of sewers and wind driven rain. Available? Yes No Add'l Cost (or%) 12. All Risk to include damage by surface water, waves, tidal wave or spray from any of these. Available? Yes No Add'l Cost (or %) 13. All Risk to include earthquake (at desired occurrence and aggregate limits -- All Properties.) Available? Yes ' No Add'l Cost (or %) 14. All Risk to include landslide, earth sinking, rising or shifting, mine subsidence. Available? Yes No Cost 15. All. Risk to include burglary, robbery, theft and forgery. Available? Yes No Cost 16. Coverage to include all glass and fine arts at all locations, and including loss caused by Vandalism and Malicious Mischief. Available? Yes No Add'l Cost (or %) 17. Replacement to extend to any additional cost for rebuilding or repairing to meet ordinance requirements. Available? Yes No Add'l Cost (or %) 18. Demolition coverage to undamaged portions of building. Available? Yes No Add'l Cost (or %) 19. Time Element Coverages A) Is the cost to reproduce EDP .Mediacovered? Yes No Add 'l Cost (or "s) B) Is coverage available for loss of tax revenues from various sources other than tax base. Yes No Add'l Cost (or %) • ADDITIONAL COVERAGE SPECIFICATIONS CASUALTY 1. Broad form named insured to include all employees and other agencies . or directly connected organizations. Available? Yes No Cost 2. All Officials to be included as additional insureds. Available? Yes No Cost 3. Personal Injury Liability to include Libel, Slander, Defamation of Character, Invasion of Privacy, Wrongful Eviction, Discrimination, Shock and Mental anguish. Delete .Employee Exclusion. Include Ad- vertisers Liability. Available? Yes No Cost (or %) 4. Care, Custody. and Control coverage. Available? Yes No Cost (or %) 5. Blanket Contractual Liability, without submission of contracts. Available? Yes No Cost 6. Insurance to cover any corporate owned automobile or bus automatically. Additional units insured from acquisition, without additional premium. No schedule of automobiles to be required. Available? Yes No Cost 7. Insurance to cover assured's liability for special events such as parties, bazaars, carnivals or picnics sponsored by County organi- zations without additional premium. Available? Yes No Add'). Cost (or %) 8. Liquor Liability to be included. Host and Sales. Available? Yes No Add'l Cost (or %) 9. Errors and Omissions to be included. Occurrence Basis. Available? Yes No Add'l Cost (or %) THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. 10. Directors and Officers Liability to be included. All Directors and Officers of County. Available? Yes No Add'l Cost (or %) 11. Malpractice Liability to be included? (Excluding Hospital Malpractice) Available? Yes No Add'l Cost (or %) 12. No owned aircraft to be included. Available? Yes No Add'l Cost (or %) ALL FORMS FOR GENERAL AND AUTO LIABILITY ARE TO BE SUBMITTED FOR REVIEW. ALL E & 0 AND D & 0 FORMS ARE TO BE SUBMITTED FOR REVIEW. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. ADDITIONAL COVERAGE SPECIFICATIONS CRIME 1. Broad Form Money and Securities. $100,000 per loss (D.D.&D. ) . Available? Yes No Add'l Cost 2. Employee Fidelity of all employees to be included. $100,000 per occurrence. Available? Yes No Add'l Cost 3. Fine Arts Coverage. All Risk per loss. No value scheduling required. Automatic coverage for new acquisitions. Available? Yes No Add'l Cost 4. Blanket Crime Rating Yes No ALL CRIME COVERAGE FORMS ARE TO BE SUBMITTED FOR.REVIEW. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. SERVICE SPECIFICATIONS The designated agent will be responsible for the following: 1. A detailed appraisal of all buildings. a. Initial Cost: $ b. Annual Up-Dating: $ 2. Handling of all loss adjustments, claim investigations and claim settlements. 3. Submission of monthly claim experience reports in detail including claimant, location, cause, date of loss, paid and reserve amounts. 4. Maintenance of individual claim files which, at all times, are subject to review by the County. 5. Administration of a complete safety and loss prevention program in- cluding annual inspections of all County buildings. 6. Collection of claims against others for damage to covered property and subrogation of liability claims. 7. Periodic communication to County Officials regarding handling of problem areas and updating of loss control programs and techniques. 8. Annual Service Fee? How calculated and adjusted? ADDITIONAL SERVICE SPECIFICATIONS A. Please indicate in your figures whether any expenditures by the County are required by the insurance company, i.e. ; Sprinklers, Heat Detectors, Burglar Alarms, etc. (All County propoerties are to be included--no exceptions) . Location and Expenditures Required: B. The County desires a complete detailed appraisal of all buildings specifying the total up to date replacement cost of each building. (This must include all measurements, graphs, and details of all re- construction calculations and photos) . 1. Approximate Initial Cost: $ 2. Approximate Annual Updating: $ 3. Is this appraisal binding upon the insurance carrier: Yes No 4. Company making the appraisal C. Premium Payment Method, (Check suggested plan) . 1. Annual in advance 2. Deposit plus installments (% of down payment . Number of installments ) . (% of each installment ) . 3. Monthly Installments ; % of each installment D. Disclosure of commission fee percentages on each. policy. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. PROPOSAL FORM REQUIREMENTS Name or type of policy being proposed • Name of Insurance Company: Address of home office: Authorized agent submitting proposal: Claims office from which all claims will be made: Address: Claims handled by Staff or independent adjusters (name) Current best's ratings Effective date of policy(s) : The basis upon which rates are arrived at should be explained. Type coverage: Premium (annual) broken down Deviations from coverage, limits, cond'itions, .etcetera, mentioned in specifications: Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, sepcific excess and pre- mium, aggregate excess and premium, fee and loss fund is arrived at and basis for future changes. Alternate specific stop loss and loss funds will be considered. Excess insurance carriers will be: We will abide by the specifications and requirements in this document except for deviations agreed to. Agent Agency Agent • PART III PROTECTIVE SELF-INSURANCE SERVICES If the protected self-insured approach is selected, Arthur J. Gallagher & Company will supervise and administer the self-insurance plan of the County in full compliance with all applicable laws, rules and regulations governing the administration of self-insurance, and all other laws related to insurance and imposed by the State of Colorado, to act as the representative of the County in all matters related to such administration and to perform fully all the below listed functions: (These services will include but not be limited to) . 1. Complete marketing of all required excess insurance, including specific excess and/or aggregate excess coverage to be included in the total bid as separate items. To secure further coverage as needed. 2. Make necessary arrangements to qualify the County as a self-insurer in all necessary jurisdictions. Prepare necessary papers and figures for any taxation to be paid by the County relative to self-insurance. 3. Establish and administer a complete risk management program informa- tion system for all functions and locations. This means on-the-spot local service by trained professionals working in close relationship with the County Insurance Representative and other appropriate per- sonnel. 4. Complete handling of all claims, loss adjustments, investigations (with the exception of outside legal fees) and settlements falling within the self-insured retention. 5. Maintain a claim file for each reported claim, submit monthly experience reports, provide complete accounting for the program which at all times is subject to review. 6. Recommend claim reserves and provide a continuous review and updating of. these to reflect changes. 7. Assist in the collection of claims against others for damage to County property and make recommendations regarding salvage matters. 8. Assist the County in the analysis of claims to prevent. future similar occurrences with periodic reports reflecting trends, hazardous areas and recommendations for accident prevention. 9. Coordinate investigations on litigated claims with attorneys approved by the County and with adjusters and attorneys of the Excess Insurance Carrier as required. 10. Be available to consult with the County on any insurance matter and to make available the expertise and experience of the service company staff of professionals to assist in achieving a successful self-insurance program. .- 11. In the event of cancellation of the contract to perform these services with the County to see all claims to their final settlement which existed at the time of cancellation without additional charge. •12. All sizeable and unusual claims will be reviewed by the Service Company's internal legal staff. 13. Complete formal appraisal of all owned buildings and all other necessary appraisals. 14. Provide all personnel necessary to perform the above functions and provide all necessary supplies, forms, posters, films, etcetera, to meet all statutory requirements, and to satisfy the needs as to ex- perience and accountability as required in Item 5. 15. Consistently provide OSHA compliance inspections and comprehensive • safety engineering services, including at least one comprehensive professional inspection annually of each location for all property, casualty, and crime hazards. Provide additional inspections and engineering services as needed and related to accomplishing Item 3 above. 16. Consult with and refer to The County's Authorized representative on all questionable or contested areas. 17. Specify the precise coverage of the total package. In the total package, indicate the entire proposal -- if there are deviations, refer to them and specify same. EXHIBIT A `/ v ' ., �_• '• r_:jA ` 1 Form MLR-.74 ' t47 IATEMENT or VALUES • (Ed.S-69) t• MM1e (. oR USE WITH INSTITUTION A I. PROGRAM) ' Page No 1 • Board of County Commissioners • Policy Number Issued 1 . ..of the County of Wrlcl — — - vi�p r Uatc 5/31/7.)' �•� Named Company t''' r ' S DESCRIPTION AND LOCATION VALUESS Item OF PROPERTY --""-'---'--- ' -- This Space for Rating. No. - Specify A.Bu,lding R-Personal Property Actual Cash Value WRehen Appli abtcCns e1Ranl action Use When Appho bte i - 1 On a to Court House, 911 9th Ave. 3,047,000 1 ,2 On contents of Item 41 60,500 0 On a 1B-0 Library, 22.7 23rd Ave,Sur 4(29. 425,250 d -4 On Contents of Item 43 • 60,500 r• }} Fair-'wa�N,'' 5 On a lE-D County Garage, 150.0 2nd St. , Ie H* wt..' Sur. #475 315,700 - • -6 On contents of Item 4 5 60,500 -7 On a 15 Metal Shop & Shed, 1500 2nd St . , Sur. #475 42 , 350 ,.8 On Contents of Item 117 . - • 30,250 , -9 On the 1D Oil Warehouse, 1420 2nd St. , ' Sur. 4476 • - 4 ,840 f .10 On Contents of Item 49 9,075 D�� p s. X11 On the 18 Driver's License Bureau. ••�K •r•? ' V. Island Grove Sur. . #501 30,250 i... ......... '12 On Contents of Item #11 12,100 ,13 On the 1BX Animal Bldg. , Island Grove Sur. #501 12, 100 j On the 1D Poultry Exchange Bldg. 14 ,520 • , . On Contents of Item 015 6,050 16- On the 1D Rabbit Exhibit 12 ,100 . 1 1.7 On the 1S Crop Bldg. 18, 150 • iti" INSTRUCTIONS: 1. The values shown should reflect the basis of coverage (ACV or Replacement Cost) for each item and for either Coverage A r — Buildings, Coverage B — Personal Property or both. 2. Include in building values Z"w a. building service and maintenance equipment owned by the insured. ' . b. floor coverings fastened to floors or walls, fixed seats and desks, fixed tables, railings, altars, clocks, bells, fire curtains, 's'rff',c:e } and stained lass windows, t c. all permanent fixtures- (including organ(s)) being a permanent part of the building, d. mirrors,.air eondilinnrrs, domestic applimices, fire extinguishing equipment outdoor equipment. . te '.a,.�:N"' 3. Include in-personal property>alues, personal property, including the legal liability of the inched for similar property belong- r":'w.».'r,•-.: ing in whole or in part to others and held by the insured, in each building which is not otherwise a part of building values. . 4. The following arc not covered and their value should not he included in values shown: 1 r a. brirk, stone or concrete foundations which are below the it,,do rs a dare of the lowest basement floor, or where there is no basement, which are below the surface of the ground inside the foundation walls of the building, b. foundations of machinery or boilers and engines which are helmv the surface of the ground, c. pilings:piers, pipes, flues, wiring and drains w lnirh are underground, ' d. those portions of walks, roadways and other paved surfaces whirl are outside of buildings, • e. land values, cost of eecavations, marling or filing, ' • 1. lawns, freed, climbs, pl:mis, growing• crops, , g. motor boats, sail bats, aircraft; autuumhiles and self-inopelle,l vehicles or machines except motorized equipment not . , .. . .. licensed for us on public thoroughfares and operated principally on the premises, • h. animals and pets, i. household furniture in apartnients occupied by the insured, any officer, director,stockholder or partner of the insured or any '" relative of.the foregoing. 1.`...\Id',e '��-w 5. Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. %?,, ' � Form MLB•24(Ed.s.69)• (OVER) Page I of 2 - �i ii . . . • . _ -._ „ �, w nitesAs,tre..k!�4h ,Itkrin,,rnd"tdirtt.�y•,` t)f f,t,•:". irrt:t•i .V f1('d'if."4,,F•,-1*-.:0, '4Vrtiv,Lta eta' : ..- r a iATEMENT OF VALUES . Font MLB14 ' • t.1, c „JR USE WITH INSTITUTIONAL PROGRAM) (Ed.5-69) page No 2 • Board of County Commissioners Policy Number Issat'l i„...of the County of Weld _ Date $ 31179 Wer Name rf Company • INIIMMIIISM DESCRIPTION AND LOCATION V A L U E S . Item -------------- _------- Shia Space for Rating No. OF PROPERTY • Replacement Cost Organization Use • Specify A.0 uilding 0-Personal Property Actual Cash Value When Applicable • 18 On the 1B 411 and Home Dem. Bldg. , , Island Grove 382 ,800 ' - 19 On Contents of Item 418 15,000 20 On the 1S Livestock Exhibit, Island r"'1 ty-el K.. Grove 157,300v`sflt•3a - . 21 On the 1D. South Barn, Island Grove 12 , 100 • • ,22 On the 1D North Barn (Stable) Island • Grove 12 ,100 - 23 On the 15 Seed Bldg. , Island Grove 12,100 .-24 On the Contents of Item 423 • 6,050 r25 On the 15 Storage Bldg. , Galeton 6,050 .26 On the Contents of Item 425 • 2 ,000 ° -- 27 On the 1D Dwelling, Grover, CO 12 , 100 "j"4i 28 On the 1D Dwelling, Stoneham, CO 18,1.50 .'00"tli:14 • 29 On the 1D Garage _Buckingham, CO 6,050. �� 30 On the Contents of Item 429 3,025 ,„31 On a ISIC Garage, Briggsdale, CO 12, 100 • 32 On Contents of Item 431 3,025 On a 1DX [twell.ing, Briggsdale, CO 18, 150 On a 1DX-D Garage, Windsor, CO 18,150 X35- On a 1LC Garage & Equip. Repair Bldg. , Dacona, CO 12 , 100 4tp 'i1•� t INSTRUCTIONS: I. The values shown should reflect the basis of coverage (ACV or Replacement Cost) for each item and for either Coverage A a .a — Buildings, Coverage It — Personal Property or both. 2. Include in building values. !girt-4W: a. ng service d inte ance t OW ly the b. floor ncmTrings fastened to nfloors orl avalls,n fixed t sea1ts and tdesks,tl fixed! tables, railings, altars, clocks, bells, fire curtains, (y rSS '' and stainer! glass winch as fl H c. all permanent fixtures (including organ(s)) being a permanent part of the building, I` " d. mirrors, air conditioners, domestic appliances, fire extinguishing equipment, outdoor equipment. • ir.(-trrag'lar': 3. Include in personal property vahies, personal property, including the legal liability of the insured for similar property belong- y...,'a`,:xar „ ing in whole or in part to others and held try the insured, in !aril building which is not otherwise a part of building values. 4. The following are not covered and their value should not he included in values shown: a. brick. stone or concrete foundations which are below the uudercurface of the lowest basement floor, or where there is no bacement, which are below the surface of the ground inside the foundation stalls of the building, , , ; -.- b. foundations of machinery or boilers and engines which are below the surface of the ground, a. .. c. pilings, piers, pipes, flues, wiring and drains which are underground, d. those portions of walks, roadways and other paved surfaces which are outside of buildings, e. hurl values, cos( of exrar slims. gr irting or filing. I lawns, tires, shrill's, ',Hits, gr ow ices: Cr0q.si ..•, g, motor boats, 'sail I,,,alh. aircraft, aulnnw itrs and sclf.p'npe hed selticles ,n machines except molniited equipment not it,...�i....- lirensed for us on public thoroughfares and operated piincipally on the premises, —, h. animals and pets, -.--. _ i.. household furniture its apartments occupied by the insured, auyoflicer, director, stockholder or partner of the-iinsured or any lc. .•.)„3 A. , relative of the foregoing. 1,��, 5� 5. Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. a5;.1.: ) Penn MLB-24(Ed.5.69) (OVER) Page 1 of 2 f"'"""m"'"."E...t1�.7en 'Ytr-. Ve l b....'..c. V r 5.e • wl ./t,4, `,,��y ��x!py.� ...a5-::P-'.. ftiSr r;\ 44.,,, �Y' liven.,. o-�.,*A.. ,,,d.;+u 4 rl,p�v .ix' "• • . i'z,'.... .,�°?�"' .u.:.^a°„�-,c,..- - z.-:1 •t:S'`71.d1''.4'42..'1af. ✓ krt... ♦ 4•• �N^' ,S. n•. 41,f .rif,.<. JrAki.1•:M1. vA,.✓ rte.. —•',,. t , av1' / a,I.r,,,1•e t;f.L: • '�1 r FATEMENT OI' VALUES Form NIL D.:( •'I(y ° . OR USE WITII INSTITUTIONAL PROGRAM) (Ed.SW) Page No.. 3 • Board of County Commissioners Policy Number - Ice.0.I 10_01_0f I he coon! n ® -_-- -Y L19cld . Dale �3l/79 gm . +, t;am,,nr Company 0� DESCRIPTION AND LOCATION V A L U E S ^� hem O-F PROPERTY _ No. -- - .._ This Stvre,,o Ruing Specify A P 11-Personal uildirg Properly Acr r I Cash Value Repo a enr Cos, Organiaauon Use When Applicable 36 On a 1LC Garage & Storage Bldg. , • Mead, CO - - 6,050 37 On a 1S Maintenance Garage, Johnstown 42 , 350 -38 On Contents of Item 437 a'•' ----- 12, 1Or) 39 On a 1S Bridge 13101 +"•.'>5a 1". i J• r Johnstown, CO 18, 150 ,y''Vr., ,40 On Contents of Item .1 P'a 12, 100 +••' • '" X41 On. a 1LC Truck & Equip. Garage, Johnstown, Cm • 36, 300 42 On Contents of Item 441 14,520 • I IA3 On a 1LC Garage, LaSalle, CO 24 ,200 .44 On Contents of Item H43 12, 100 45 On a 15 Garage & Shop, LaSalle 18, 150 46 On Contents of Item 445 15 125 -47 On a 15 Offi n & Shop, LaSalle, CO 30,250 L. +a Ant yti�es .•d 48 On contents of Item 4/0 12, 100 � r•7 . 49 On a 1D Garage, Kersey, CO 6,050 memminime+mem 50 On a 1LC Garage, Platteville, CO 12 , 100 51 On a 1S Garage, Gill , •CO 6,050 oids On a 1D Garage, Gill , CO 3,61.0 On a ID Dwelling, Kio'wa, Co 1(1, 150 54. On a 15 Garage, Ki own, CO2,420 . 55 On a IS Garaer, Iluds:on, CO 3,620 h_. . rt43; INSTRUCTIONS: I. The s aloes shown should reflect the back id coverage' (ACV or Replacement Cost) for each item and for either Coverage A — Buildings. Coverage I3 — Personal Property or both. 2. Include in building values g " °• a. building service and maintenance equipment ned by the insured, b. floor coverings fastened to floors or walls, fixed seals and desks, fixed tables, railings,.altars, clocks, bells, fire curtains, .fiwxl a .kt. arid stained glass wwindow e c. all permanent fixtures (including + <.fet r crg:Ni(c)) tiring a permanent pall of illy building, - d. mirrors, air enndilinnerc, domestic appliances, fire extinguishing equipment, outdoor equipment. J. Include ill personal properly values, prrsnul pmpetly, inclndin the I' L ..t`i.C'"' .c... R gal liability of Ihr msnrrd (or similar properly belong- 1,,,; .ham . Mg in whole or in part in others and held by the insured, ill each building %Odell is not otherwise: a part of building values. • • 4. The f'-llnssirig are not rovcre•I and their value should riot be inclntled in satires shown: • ,• a. brick. stone or concrete foundations uhich are below the undersnrface of the limes( Basement floor, or where there is no • basement, which are below the stir face of Ihr ground inside the foundation walls of the building, • . r b. Inundations of machinery or hod,rs arid engines uLivI, are below Ihr cm fare of the wound,e. pilings, piers, pipes, flurc, miring and drains es hie hare undeipnminf, ( .. d. those pr.rlionc of walks, n,adnavc and other paved surfaces whirl, are outside of buildings, e. land values. cost of r\cnatinnc, cr.irtini: m' filing f. law nc, Ireec, shrubs, pl.inlp, Iporing rngp . g. nir er bone. sail boils. aircraft. a l mmLilec.and self-doe pvlh'd e e tic Its nr m.rchines except urotorited equipment not lirens.d for us ens public thoroughfares and operated pi intipaily rim Ill, Premises, L-'. . h. arrinmis and pets. - •.•.•.•. i. household formtunr in !mart-meilc ocngiierl by the insured, any officer,director, Slnckh y ohlrr or partner of the leisured or any of Mr foregoingtie4, 5. Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. f tt ..,.. Form MLB-24 (Ed.369) (OVER) Page I of 2 ►••••"nommesisime • • • ,} �+ �.++ ,fir y� } 01 ' L x,; ^)"?91;4"y'Z,.:�!W+ ,�R'�it,j i'Y f�q t,„ ��n'�'V1G^;per..r`.'.ys ��%'\LA+—, s .4-14i.v.,r-.'�`, ,�,. �T .^IF.NI..!%is,rw}r Zyrn¢T'.r'4,,4,�J.* 4'.,u ,,AZ!.'*)t�4 �-',� 7,441;S�,)ttiva� . j4 '_•.., Al'F,b "sNI' OF VALUES Form tI (Ed, 5691 1.ar .f rr_rt USE, WITH INSTITUTIONAL PROGRAM) • Page No, 4 Hoard of County Commissioners Policy N um her • Isv•r.i I ....oLChc (h of Weld *minty IJalc_ 5/31/19 r.''.ell • Nam.or Company ,^', w',, t ' . DESCRIPTION ANN LOCATION VALUES Inliallillirom him OF PROPERTY -- No. _.. . ..-_. . Thu Spx<Im Rating Sre tty A-0 nidinq R I,,.enal Pmp<or Actual 6sh Valor Replurnen' Coo Orq anira lioh Um When Applicable . 56 On a 1S Garage, Gilcrest, CO 6,050 - 57 On a 1S Garage, Ft. Lupton , CO 4 ,040 -59 On a 15 Garage Keenesburq, co 4 ,84'2 X59 On a 18D Repair Shop, Ault, CO ] 2, 100 -60 On Contents of Item 459 12, 100 � a ^c ^" 61 On a- 1D Oil Warehouse, Ault, CO 3,630 C..... o-te ` 62 On -Contents of Item 1461 . 4,040- r___-___ 63 On a 1D Car Garage, Ault, CO 3,6.10 64 On a 1S Machine Shed, Ault , CO 36, 100 ~65 • On a 15 Machine Shed, Ault, CO 42, 350 ' _66 On Contents of Item 465 6,050 , _ 67 On a 11C Warehouse & raraye, Ault, CO. 10 , 150 68 On Contents of Item 467 ' 18,150 69 - On 'a ID Garage at Ault , CO 18 , 150 Na 70 On Contents of Item Ii69 2,420 21 On a 11C.Gara9e,- Munn, CO 7,260 ^,.,im,.imw .72 On Contents of Item 471 2,420 73 On a 11C Garage, Hereford , CO 4 ,040 7_4 On the I5 Garage, Hereford, CO 9,600 elk On Contents of Item #74 2 ,420 fro On a 1DX Owe Il. ing, Her c'forcl, CO 12, 100 77 On a 1D Garage, Grover, CO 7,21,0 ' INSTRUCTIONS: I ?_;;1,:,,,'.Y I. The s aloes shown should inflect the basis i of coscrag,- (ACV or Replacement Cost) for each i trio and (or either Cot et-age A — Ilnidings, Coveragr R -- Personal Properly nr both. 2. Include in building %stilt's -+., . .. a. building service and tnrutitr'tancc ngnipmcnt on fled by the insured, T{1,yM b. floor centring; fastened to floors or walls, fixed seats and desks, fixed tables, railings, altars, clocks, bells, fire curtains, •,,o0.,..."-d"24,1., f"- a and stained glass n inrir 'ss _ c. all permanent fixtures (including organ(s)) bring a permanent pot of the building, 164,6 ya:.• .•^s d. mirrors, air conditioners domestic appliances, Ire extinguishing equipment. outdoor equipment. 3. Include in personal property y a hies, personal property, including the Ir gal liability of the insured for similar punnet-1y belong. rl n.SY' ''.'-1 ing in whole nr in part to others nod held he tin' insured, in each building ,thick is not otherwise a part of building values. IK.YIaa'aa4 I ,. 4. The h'llnn ing are not trvrr col and their rater should not he ineludcd in values shown: „- a. brick, stone Or centered,: (,m,d.ttions whirl, are I'rlow the mulcts'',fart' of Ihr lowest basement floor, or where there is no ha'nnrnl, whirl, ale In-t'iny Oa, surlare of the grr.und inside the for inlatirn, walk of the building, } b. fo'nulationc of machine's nr hnilr rs and engines which are brio,% the nn face of the ground, r c. pilings, piers, pipe., noes, nirnµ! and drains which are undr,gionnd, t d. those portions ofwalks rook.k ass and ther'piseel surfaces which are outside of buildings, l- .' -.. e. IMOc a loee allot's,t nl err as al' gratin, 'r Mitt, •' (, low nc trees shrub , id le i,, 1 ron u t st I c g. wril,r Hats, ail felt:. aura,aft, aulnn,J be rout cdi pl ape lint s chi.d-c ,n machines ex,rpt multiplied cgniputcnl nevi l,crom'd for us on public Ihnroughiarrs ,v,d r pr'alerl principally on the premises, a•_...,...._ h. animals amt rots, I. hoo=rhold (arnilnre in apartments occupied by the insured, any officer, director, sluckboldrr or par bier of llie-h'smed or any , relative of foregoing ,ie �' S, Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. Wirsclir4 r Perm MLBaa (Ed.5.69) (OVER) Page I of 2 laa................ PWS 1 ., , ,:,,,,,,,,,„.„,„......„,,,. „,„,,,,,,,,,,,„4„:„..„,,,,,,,_„,,,r � sy_,,j,i.-,, Nag a'•v �'/�t'TL'+�, , .I.•s g _ Nab.l.+>,�lr , ....:„7......44r,,,,,,,„.„„,,,..0„,„ c s?n� ,,.., 1,1".K'N.,, „dr..,ri•L as .':.r,+ :::::ra4.y:1',��. 8' •', N a,. STATEMENT OF VALUES Form MIJIT4 I. 0.' r iFOR USE WITH INSTITUTIONAL PROGRAM) (Ed.3-69) Page No. ..5 • • Hoard of County Commissioners • Policy Number ' is`rli •I In_ttf Ils`Cnunly ril_WA.1d -- pale5/31/79 Name nl Crimean). pale-5/31/791'.�{ moan hem DESCRIPTION ANT) LOCATION VALUES No. OF PROPERTY • _- . _ -. _.._.____ _ _ _ .. ._ 71.'.Space.for Rating Specify A Run-lint ❑.Personal P.rproy An al Cash Value krlIa Nnent Cnst Ortanlration Use When Applicable 78 On a ID Garage, New Paymer, CO 9,075 - .79 On Contents of -Item 4782 ,420 I . .80 On a IS Garage, Stoneham, CO 2,420. 1 • _B1 On Contents of Item 4f30 4,840 I wvic W, ,82 Weld County Centennial Center 5,445,000 4tiiii4le„,., 83 On Content; of 1182 400,000 ,,,84 Alcohol Recovery Center Hldq, 200,000 1^_—•" .85 Health Dept. Bldg, 1516 16th Ave. • Ct. , Greeley, CO 1, 1.34,000 ,r96 Exhibition ( ill , Island Grove 843, 700 • 27 Contents of Health Dept. Bldg. , r • (Item 485) 181,500 i ,21 Washington Grade School 253,000 r,} Law Enforcement Center, 9th St. & 10th Ave. , Greeley, Co 4,7(i3 ,00p _.90 Contents of ster9(, 151 ,600 '�'� n 14 91 On Youth Shelter Home, 1709 7th Ave. , Greeley, CO - 50,000 ,iS On Contents of Item 471 • 7 500 J On' Hew Raymer (welling i, 12,500 94 On Davis Dwelling 41 15,00n ,95 On Davis Dwelling 42 10,01)0 I. The saltirs chianti ',mold reflect she basic of rn ve,arr (ACV or Replacement Cosl) for each item acrd for either Co— Puddings, Cos crags fl — Personal Property nr loth. - )crags ,\ 2. Include in building valises a. building s Cr'ire and nrtinlcn.nrce egnfpmrnl vnrel by the inset cd. _aa` b. floor coverings fastened to floors or walls; fiend crass and desks, fixed tables, railin c t r+ ) and stained glass ,vin I .,c, Ic R altars, clocks, bells, fire curtains. ar�'t•~�. a t . 0... C. all permanent fixtures (including nrpats(s)I helm: a perinauenl par I of Me'building. `�• s.3',141.c.s d.. mirrors, air conditioners domestic appliances,1 f for extinguishing wpul nrrnt. outdoor apripmmnt. t s .+';'ere".",., • 3. Include in personal properly Salves, personal properly, inrinding tIr I11.7:11 liability of the insured (or similar ptrperly licking. f: s ing in ss hole or in part to others and heir? by Mc insurer?. in.earls ',ridding „Bich is nol otherwise a part of building values, a �.•.- IVs:A 4. The halnasing are not rvo rrerl and their salve 'should flat he int'ludrd ill values shown: a. brink, stone or errorsetc foundations shin', air helms' the sus Ie otrlarr n(the lowst basement floor, or where there is no lac,nlenl. which are helms the surface of the mound inside the foundation calls of she building, b. feunrlations of machincr y or orders and ens-nes sshich are hers Mr sir face of the ground, • C. Mlle, piers. pipes, One s flinp and rlr.,ins ninth are imams?ounl.. s. d. Il r'poesions f csiIk r s I xis s n and Mlur puce! curla ()oxide\shish arc side of buildings, land lan salurs cost of rsr tsars nc, marlins: or Minn,l i l ^ I. lassos, tiers, stook,s, Haul,. or ass imp r np. e s• '• g. 'menhir brats, coil Hits, tin mall, all ,nn.Lilrc print cell-pistolled e rhis I... ..r machines except isnlnt in'd equiprienI not licensed for us „n pubbr thoroughfares and operated prinripallr on Ow Prrn ice;. r'^""`r�•• h. animals and pets, i. household furniture in apartments occupied by Ire insured. ally tinker, director, stockholder or partner of Mr incureel or any relative of the foregoing- 5. Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. S'rk-e - Toren MLR-14 (Ed.x.69) (OVER) Page I of 2 I—�� r is. .�. snip 1rdr,,.-sr.�.�',/1 . �,i r.r?-• , 3,r:ppM kf{,•4'IrIYn� 2---c, ,,;Ths�1n,..-F.J"r :c r', «",7v;s4trt roV`I`.e✓`vP"t'"-a c • r'lS`•. `" . . STATEMENT OF VALUES tr .' Form MLn.=4 • (FOR USE WITII INSTITUTIONAL PROGRAM) (Ed.369) Page No . 6 • Board of County Commissioners rjyjicy Number Issrrc-I h, of the county of Weld • .- — - VI •by Date ' 9/31/79 ''� , n' Name of Company •• ..�.�.. a'1 lMIIIS Item DESCRIPTION AND LOCATION VALUES OF PROPERTY No. .__. This$ryafio Raring Specify A PtrrMrng ❑ Personal Property Aranal Cash Vanm Replacement Cost Organization Use When Applicable 96 on Keota Garage, Keota , CO 6,050 .47 On Gowanda Garage, Gowanda, CO 6,050 98 On Library Expansion, 227 23rd Ave. , � a, Greeley, CO (Effective 6/1/79) r F,...,...4.•, ., .490,000 1r,• ,• 99 On Contents of 498 (Effective 6/1/79) 130 000 , 19,532, 335 • • • • t� ,R3-•5;`C.~. tic Qj.64 • INSTRUCTIONS: • elf I. The )aloes shown should reflect the bads of coverage (ACV or Replacement Cost) for each item and for tither Coverage:A i. , ..a ,,'4 -— Buildings, Coverage IS — Personal Property or both. -^ 2. Incline in building values �..e� ,• . a. budding strcice and maintenance equipment owned by the insured, )i:i n„ ,. b. floor coverings fastened to floors or walls, fixed seats and desks, fixed tables, railings, altars, clocks, bells, foe curtains, f'-D',,;r �n',-li , and stained glass windasw c, p�,: ' r'a. - c. all permanent fixtures (including nrgaii(c)1 being a permanent part.of the building, k. � d. mirrors, air conditioners, domestic irl I liancea, Ere extinguishing Equipment, outdoor equipment "'a-ae C::f 3. Include in personal property values, personal property, including the legal liability of the insured for similar property belong• L'•t .ti...T r. log in whnlr or in part to others and held by the insured, in each building ,which is not otherwise a part of building values. 4. The ftlloss Mg are riot covered and their value should not Ire included in values ihoscII: ' a. brick, stone or concrete foundations which arc below the under-surface of the lowest basement floor, or where there is no haceinenl, which are below the surface of the ground inside the foundation walls of the budding, b. foundations of machinery or boil.re and engines ulrich are below the surface of the ground, C. pilings, piers, pipet. flues, siring and drains which are underground, d. those Portions of walks roadways and other paved surfaces which ate outside of Middlings, ._ d. e. land values, cost of cxo's;dune, wading or filing. I. last ire, trees, shrubs, ninth.. growing Crnl.e, • g. muter home, sail hoard. aircraft, antmmddbiles and self propelled c rhitlee el machines except motorized equipment not • a_ licensed for us on public Ihornuglrfar CS and operated principally' an lire premises, h. animals and pets, • I. household furniture in apartments occupied by the insured, any officer,director, stockholder or partner of the insured or any .I y, relative of.the foregoing • d9rf'wi%a v 5. Nothing contained in these instructions shall be construed as changing in any manner the conditions of the policy. . Poru.MLB.24 (Ed.5.69) (OVER) Page I of 2 r. Ior • a.flJ2a . ... . . ._ . • . _____ _ _ yleMyy�y��'�,}��`' rL ,,....._ _,...,4„,....„,.....„.......„..._..,rfl a'4`P„r"•--,,;,i, -ry+W a" '^^v..-- e.)-rF.,b "s �P $F'" (• .qS b,hA9 e;. y M' ° T .3n,&,t t.lc'�•IxCf w'Th•., - 64.0 t�"'wait }#...-•S: ^'� {s• ".!: a , r , r t .item I F..C FII PTION Ault�t.VCAI IVN _._ V A L IL IT C - - ''4 >,' . . .Nod of PR( "-' _ _ Specify A.Building. mal PropertyAnuel Cacti Value rumen, C•s! Mc Os a p 1 Rahn' I. 3:1 : "r• .r ben Arphra le 'R nlabon Use 1 I ,Ita . mo.., Tr INIPIEMIESII `e..5 : 11 (rte �;. % TO WHOM IT MAY CONCERN:— •C�G;; Values for this "Statement of Values" consisting of 6. _ pales attached hereto were prepared fur r " Board of County Commissioners of. the County of Weld . L Name of Insured 'AIt,[sq .,, b . Donald D. Warden, Director of Finance h .Administration Name of person (with title) or corporationpreparing( •'Valets^. P.O. BOY. 759. K• .� Greeley, CO 80631 Street A+�lrete 'i•lt^�.� fiq Stale pe•• p�. n and are hereby fried with the Rating Organization to obtain an insurance rale. All values submitted f ^"'a arc correct to the best of my knowledge and belief. laR,yu„,' f Dated Day 31, 1979 i '•?q'•' r Signed Insnled f' Chiirm.ln, te,,n'<l of County t'onnni�:.:'ilolten. Title (or authority to sign) Form WILE-24 (Ed. 5.69) • • . _ v �' .'. Page 2 of 2 ~C"fit. , - ( . - 1a.�S „VI 1�rx;,P... +r. . �y—erICI "✓�Y�v,.••.e'. '"Ta t y•'.,"' s5�,i. "r t ri„1T,'i s.. fJ�J V.p1.... 42.104 a v.t; j• 1,,ahB wrC•".,,,,. \r, ,,2.6; ., eryr f.t..;4a :y n�r'..yl P0j'4 y'f y `"'Ili r.. t•� ^r EXHIBIT B M • • L0000.OION 000000040040N40OY\.4004 .400AdOmAA000000t000000 w N O m m N m P O N 0 0 0 0 0 N O V A O P m 0 0 Q JJ O 0 ti 0 0.4 0 O m N d O 0 0 eA 0 0 4 c'J 0 0 0 0 0 0 . 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LL V J Z 4 a[0 W 2 ZW • W 00 le O F 2 W Jv O V O 2 J • W 0 F rn CO 6 N 4-4 • 2 2.4 Z 2 - J CI 0 U U !J • a a a 4 2 Y T ui J Z Z W U L u' J V O V 4 O P 4 .- J•, O o 'n- o Yh t 1- •C Y Q U 4 N ZLL 6 P 2 F- _ 0 0-a 1 d VI en I-J Y U WUH JS'hm N U^+or I 00 444 \Od -J 1- 4P PPP • r T._ 0 0(7,-r .r..Ir W cc 0 -I >AOU' Z 0000 40 CC0 W a uama cx Cr 0022) 20000000-I LL O V u n LL LL LL LL le CC-d Nevi SUi CM1 9PO �.ur 000 200 10000 10•••• 0 J In J 0 N I N I N h N I N net Z40000000000 0 0 0 0 0 0 0 0 0 LLI 1 1 1 1 1 1 1 1 1 1 N P n h n h n^ re h A N J U) -0 d 01, -0 -01 0 • • EXHIBIT C Loss data to be forwarded as soon as possible upon receipt from current carriers. Denver Regional Office 800 Grant Street Denver, Colorado 80203 Telephone: (303) 837.1515• November 6, 1979 . • THE HARTFORD • Don Warden Director of.Finance and Administration Weld County Greeley, CO RE: Weld County Loss History Dear Mr. Warden: -Ken Oldani, our general manager, asked me to forward our loss information on all outstanding policies that we have on Weld County. Please note the attached Claims Summary information on the SMP, Commercial Automobile and Inland Marine policies. Policy Numbers 34 HU 610842 and 34 MBO 100890 have incurred no losses. If we can be of further assistance, please don't hesitate to call.. • Sincerely, fT G' 2 • • Roger Halligan • Supervising Underwriter Property & Package Department , RH:ep "► encl. } • • • • PE---P-A Ft-TI h A-IM/fiULIC.'Y•-41IS"'GAY—• -.... -----AS - /A-3/79 'tb fl-Y--_:-34--fe;-HAL-4.I-- _.._ . ---0ENVE•k P ---1T=7 � kf-1-5-/7A TO 04/15/99 S1 Ez< £{;rtM 91/15/79 TO 01/1-6--/99 it R 1`V.—.P•©L--- O--•34 . 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LOSSES UNDER LAW ENFORCEMENT OFFICERS' COMPREHENSIVE LIABILITY POLICY NATIONAL SHERIFFS' ASSOCIATION , (Y°i eIMORnn DU0 WilDe To Don Warden _ pate October 18 , 1979 COLORADO F,om Thomas O. David, Weld County Attorney Subject Litigation List Involving Weld County Sheriff' s Office 1. Huertado v. Weld County Sheriff, Civil Action No. 28360--District Court, Weld County. (closed file) This is a matter previously filed against the Weld County Sheriff 's Office alleging that the Weld County Sheriff improperly seized a certain pickup truck, which, according to the Plaintiffs was due to the issuance of an unlawful order of the District Court. This matter was settled by payment to the Plaintiffs of the sum of $200 .O0 in late 1976 . 2. Gladys Harp Howard v. Weld County Sheriff (closed file) This Complaint was filed in Civil Action No . 28526 in Weld County District Court on May 11 , 1976 . The Com- plaint asks for damages against the Sheriff of Weld County and George Heberlein and Heberlein Manufacturing Company as Defendants for the removal of personal pro- perty under a Writ of Execution which was alleged to have been wrongfully obtained. The matter was ultimately dismissed by Judge Dean Johnson of Ft. Morgan on Septem- ber 2 , 1976 . • 3. H. Gordon Howard v. Weld County Sheriff (closed file) This was Civil Action No. 28793 in the District Court of Weld County, Colorado . Two of the original and individual Defendants were dismissed out and the Sheriff and the County of Weld were left as Defendants in this litigation. The Sheriff was represented by the Attorney for the insurance carrier for the National Sheriffs ' Association and on or about the 19th day of July, 1978, the insurance carrier apparently paid Mr. Howard the sum of $200 .00 in full settlement of the claim made . 4 .. Heyse v. Weld County Sheriff (closed file) This was an action involving forcible entry and detainer. A 90-day notice was given Weld County by virtue of a let- ter addressed to the Weld County Sheriff on December 9 , Don Warden Page 2 October 18 , 1979 1976 . Since no subsequent activity was had or no suit filed, we have closed our file in this matter. 5. Ault v. Weld County Sheriff (closed file) Notice of claim was hand-delivered to the five Weld County Commissioners and the Weld County Attorney on November 22 , 1977 . A copy of the notice of claim was mailed to the National Sheriffs ' Association Insurance Company on November 22 , 1977 . Subsequently, by letter received from Theodore S. Halaby, on August 8 , 1979 , Mr. Halaby (repre- senting the Sheriffs ' Association insurance carrier) stated that they are closing their file due to the failure of the Plaintiff to file suit in this matter. The gist of the ' Complaint was an unlawful entry by the Weld County Sheriff 's Office. 6. Brock v. Weld County Sheriff ( threatened file) On August 26 , 1976 , Weld County received notice of a claim on behalf of Steven M. Brock against the Weld County Sheriff 's Office in Weld County , alleging certain injuries, as a result of an illegal arrest and incarceration. The claim involves an arrest made on May 26 , 1976 . The claim asks for monetary damages in the sum of $3 , 000 .00 . As yet, no formal" action has been filed by the Plaintiff against Defendant. 7. Lucero v. Weld County and the City of Ault, Colorado (threatened file) This is a matter in which we received notice on or about August 27 , 1976, wherein Cristobol Antonio Lucero and Harry R. Cozad have given notice that they will file a civil action against the Town of Ault of the County of Weld and police officer Jerry Smith of the Town of Ault for damages in the sum of $1 ,000 .00 in exemplary damages in the sum of $30 , 000.00 as a result of an incident which occurred on June 13 , 1976. wherein the two claimants were allegedly struck by the said Jerry Smith and three Weld County Sheriff ' s Deputies while the claimants were hand- cuffed. No formal action has been filed in any Court to date. 8. Faudoa v. Weld County (threatened file) This is a matter in which a demand letter dated September 8., 1976 was directed to the Board of County Commissioners of Weld County claiming personal injuries to Augustin Faudoa Don Warden Page 3 October 18 , 1979 • allegedly as a result of injuries incurred due to acts of the Weld County Sheriff and Deputies . A claim for $5O0 , 000 . 00 was made but no action has been filed to date. 9 . Graham v. Weld County (threatened file) Notice was given on or about December 20 , 1976 by Jeffrey I . Tompkins, Attorney at Law, Colorado Springs , Colorado, pursuant to 24-10-109 , CRS 1973 . The Claimant 's name is Kathy Smith Graham of Colorado Springs . The basis of the claim is that the Sheriff 's Office of Weld County lost, misplaced or destroyed evidence and files concerning an assault on William Riley which occurred on or about February 19 , 1973 . The amount of the claim was for $500, 000 . 00 . 10 . Castillo v. Weld County ( threatened file) Notice of intent to file suit was received pursuant to a -letter dated February 16 , 1977 from M. G. Martinez , Attorney at Law. The letter which was written pursuant to 24-10-109 , CRS. 1973, alleges that Audie and Juan Castillo were deprived of certain constitutional rights by the Weld County Sheriff ' s Office and notice of intent to file suit was given with the dollar figure listed at $500 ,000 .O0 . 11 . Meska v. Weld County (threatened file) On or about May 13 , 1977 , we received a claim letter from Hoyman, Nanney and Dixon, Attorneys at Law, pursuant to 24-10-109 , CRS 1973 . They represent Dale Meska and who claims damages against Weld County in the sum of $10,000 . 00 for injuries and property loss sustained the said Dale Meska because of the negligence of the Sheriff 's Office of Weld County causing false imprisonment, ,assault and battery, misuse of authority, outrageous condilct and conversion of personal property. 12. Deffke v. Weld County Sheriff (threatened file) This is a claim by Mr. Deffke for wrongful acts which allegedly occurred between February 1 , 1979 and February 17, 1979 while the Claimant was incarcerated in the Weld County Jail . The Claimant claims to have experienced pain and - suffering for prolonged periods of time and lost a tooth as a result of the failure of the Sheriff 's Office to provide prompt medical care. The amount of $6,000 . 00 in damages Don Warden Page 4 October 13 ,1979 is sought by the Claimant. No suit has .been filed to date. 13. Banek v. Weld County Sheriff (threatened file) This is a claim by 0. A. Banek against the Weld County Sheriff for allegedly denying the Claimant medical assistance following an alleged assault which apparently resulted at the conclusion of an arrest of the Claimant for drunken driving. The Claimant is asking for monetary damages in the sum of $250, 000. 00 . No suit has been filed in this matter to date . 14 . Gaines v. Weld County (threatened file) Notice received from Attorney Robert B . Keating, Attorney • at Law, Suite 710 , Capital Life Center , Denver, Colorado 80203 , dated July 18 , 1979 alleging that one Anthony Gaudagni Gaines , a/k/a Tony Gaines, was arrested on or about June 15, 1979 by the Arvada Police Department pursuant to a 4-year old warrant which was issued out of Weld County. Claim is 'made for $50, 000 . 00 for false. arrest. 15 . Chavez v. Weld County Sheriff (threatened file) Notice dated August 6 , 1979 received from David J . Nagle, Attorney at Law, 1201 Tenth Avenue, Greeley, Colorado 80631 , alleging a sexual assault on Rose Ramos Chavez by one male deputy employee known as Deputy Hunt. The alleged act • occurred on January 22 or 23 , 1979 . The dollar amount claimed is undetermined. 16. Allmer v. Weld County (threatened file) Notice received from David J. Nagle, Attorney at Law, Greeley, Colorado, demanding $10, 000 . 00 in damages on behalf of Rudolph J. Allmer who apparently was removed from the Walton Building on July 2 , 1979 by Orville Lake, an employee of Weld County Social Services . Mr. Lake is apparently covered by the insurance for the National Sheriffs ' Association by virtue of his position with the Weld County Department of Social Services . 17 . Tittle v. Weld County Sheriff (active file) Complaint originally filed in this matter on October 21 , 1976 alleging a beating by a Sheriff 's Deputy following an arrest. This matter has been scheduled for trial in Don Warden Page 5 October 18 , 1979 the District Court of Weld County on January 9 , 10 , ' and 11 , 1980 . 18 . Trapp-Lankewicz v. Weld County Sheriff (active file) Complaint filed in Case No . 29833 on April 18 , 1978 by the Plaintiffs, against Weld County and certain named Sheriff 's Deputies alleging wrongful entry and unlawful arrest. The prayer for relief is for $100 ,000 .00 cbmpen- satory and $100, 000 .00 punitive damages . The matter is now being handled by the office of. Halaby and Bahr of Denver. 19 . Zamora v. Weld County (active file) This is an action for personal injuries to the Plaintiff allegedly caused by a Sheriff ' s Deputy on March 26 , 1978. The prayer for relief is $50 , 000 . 00 and the matter will probably go to trial in Federal Court in December, 1979 . 20 . Abeyta v. Weld County (active file) Suit was filed in this matter on October 18 , 1979 in Weld County District Court alleging false imprisonment as a result of an unlawful warrant being issued . The prayer for relief is $250 , 000 . 00 . 21. Counter v. Weld County Sheriff (active file) Complaint filed and summons served on the Board of County Commissioners on March 14 , 1979 . Allegation is generally for assault and battery upon the Claimant by a Weld County Sheriff 's Deputy. Claim for $100 , 000 . 00. • 22 . Mitchell v. Weld County Sheriff (active file) Complaint filed and summons served on the Board of County Commissioners on March 14 , 1979 . Claim against the Weld County Sheriff 's Deputies for assault and battery . Claim for $150 , 000 . 00 . 23 : II. Gordon Howard 'v. Weld County Sheriff (active file) Petition filed in Federal Court under Section 42-1983 of the United States Code . Allegation of false arrest and false imprisonment . Prayer for $6 ,000 , 000 . 00 . I Don Warden Page 6 October 18, 1979 • 24 . Geiger v. Ernest Bower, Sheriff (closed file) Action filed in the United States District Court on March 2 , 1978 alleging illegal incarceration and denial of access to Law Library and other matter. Thomas O. David Weld County Attorney TOD:ss RANDOM TUOUCHTS, IPF.AS, AND succrsTInhTS d 1. Cener.al questions can result only in general answers. 2. TTany policies and companies do not offer a three year commitment - some ray require an annual reunderwriting procedure and rating. Z. Plate glass coverages can not be included without being scheduled at various locations required and a specific rate assessed therefore. 4. Variations and fluctuations in the insurance market require additional study and underwriting to search out higher liability limits, especially involving the highly volatile Umbrella market. 5. Hot all "self-insured programs" are voluntary. 6. "Difference in Conditions" coverage is another program requiring, special attention. (See attached information) 7. "Fire Legal Liability" is still another program trh.ich will require much discussion involving the legal contracts of the County and specific inspection into each and every property leased by and for. the County. No rating can be assessed without complete values and schedules as each building has its own fire rate - the basis for. calculating "fire legal" premiums. (See attached information) r. General insurance costs have not increased at the sane rate as other goods and services provided to the County. I 1 Rough Notes MONTHLY POLICY, FORM & MANUAL ANALYSES 32$. 1 _ ...�s ,•a -„ .tip a�.:.��aa� .w.:..��ao��. __ ,- i Difference in Conditions Insurance Purpose: Difference in Conditions insurance or DIC insurance is a form of Property insurance coverage that is designed to provide "all risk" insurance coverage for perils not normally included in the Fire and Extended Coverage policy. Originally the policy was written only on manuscript forms and each underwriter drew lip a special all risk form for each individual risk. Now many underwriters have developed their own printed forms, and there is a trend towards standardization of basic DIC coverage. The intent of the DIG policy is to cover such catastrophic perils as flood and water damage, earthquake, collapse and burglary and transit exposures. Fire, Extended Coverage perils, Vandalism and Sprinkler Leakage coverage are excluded in the DIC form. Gen- erally, a sizable deductible is required, and the deductibles are•often increased for earthquake and flood cover- age. Two types of businesses are •likely prospects: Large industrial, manufacturing and retail risks, princi- pally interested in coverage for catastrophic flood, earthquake or collapse exposures; and small mercantile busi- nesses, primarily interested in the burglary and water damage exposures. A list of underwriters for this form may he found in the Market Directory) section of the Specially) Coverage binder. Analysis of Policy COVERAGE Loss or damage caused by or resulting from fire. lightning, windstorm, cyclone, tornado, hail, explosion. MC insurance is written by many underwriters on Fire riot, riot attending a strike, civil commotion, smoke. special Inland Marine forms. However, unlike insurance, the forms are not standard, and they may vehicles, aircraft, vandalism and malicious mischief, vary widely from cornlculy to corny:my. In addition, or sprinkler leakage. . All DIC policies exclude Fire and Extended Cover- such policy contracts are very flexible and may be mod i- age perils, which 'would normally be written under a • fled by the underwriter to fit the actual insurance needs Fire policy with the appropriate form attached. Many of the particular risk by deleting exclusions or adding prospects eelsfor DIG coverage have Far- endorsements. DIC insurance is generally written on I pe ge fire placed in the Fec- buildinge, machinery, contents, stock, and frequently tory Insurance Association or the Factory Mutunls or other associations for Highly Protected Risks, It is includes time element coverage. Most forms available this distinction which makes the DIG policy different currently are written on a no-coinsurance basis. Since all Difference in Conditions policies issued by from a standard Risks form. Infidelity or dishonesty of the insured or any of his various underwriters are not standard, the following employees; nor loss or damage resulting from the in- discussion of policy coverage represents a .synthesis of sured voluntarily parting with title or possession of various contracts examined. Where there are impor- any property if induced to do so by any fraudulent, (ant differences in contract terms this will be noted •in gr scheme, trick, device or false pretense. . . italics. Loss or damage resulting from unexplained loss, rthe Difference in Conditions policy insures against mysterious disappearance, or loss or shortage disclosed all risks of direct physical loss of or damage to the on taking inventory. . insured property from any external cause, except as Loss or damage resulting from errors in design. excluded in the policy. errors in processing, faulty workmanship or faulty ma- in a few forms, co7lerape for the expense of debris terials, unless collapse of the property or a part thereof removal of property damaged by an insured peril is ensues and then only for the ensuing loss. . specifically mentioned in the insuring agreement. Loss or damage resulting from electrical injury or The above is a very broad insuring agreement, but disturbance to electrical appliances, devices, or wiring it must be remembered that the DIC form must be from artificial causes, nor mechanical or machinery interpreted in light of its exclusions to determine ac- breakdown. . tual coverage granted. Loss or damage caused by or resulting from the ex- plosion or rupture or bursting of pressure vessels or PERILS EXCLUDED pipes, or steam boilers, or steam pipes, or steam tur- The following list of exclusions are those most ire- bines, or steam engines, or flywheels, owned or oper- quently found in DIG policies. Some exclusions men- ated by the insured, nor mechanical or machinery ,e'Th tioned, particularly the Earthquake and Flood exclu- breakdown. . . . ‘.,c j ,rion.s, may be deleted if the insured wishes this coy- Damage sustained to that part of the property in- _,I erage. cured which is actually being worked upon and directly The policy does not insure against: resulting therefrom, or caused by any repairing, ad- All Rights Reserved. The Rough Nebs Co., Inc., Indianapolis. Printed in U.S.A. 11-11 1 ' 325 1 Difference in Conditions Insurance justing, servicing or maintenance operation. Resulting Loss or damage caused by or resulting from earth- loss or damage to other property covered, by perils in- quake, earth movement, landslide, mud flow, earth sink- sured, is covered unless otherwise excluded. . . . ing, and earth rising or shifting, except as respects .7l Loss or damage caused by or resulting from damp- property in due course of transit. . ness or dryness of atmosphere, extremes or changes Loss or damage caused by flood, except as respects of temperature, shrinkage, evaporation, loss of weight, property in due course of transit. Flood is specifically leakage of contents, breakage of glass or similar fra- described in many DIC forms as including leeaves, tide gile property (except photographic or scientific lenses), or tidal water, and the rising (including the overflow- marring, scratching, rust, exposure to light, contam- Mg or breaking of boundaries) of lakes, ponds, reser- ination, change in flavor or color or texture or finish; veins, rivers, harbors, streams and other similar bodies unless such loss or damage is directly caused by physi- of water, whether driven by wind or not. cal damage to the property insured, or to premises or Some DIC forms contain additional exclusions. Since conveyances containing such property, by a peril not exclusions are such an important key to coverage in otherwise excluded. . . this form, it is best to check the exclusions used in the Loss or damage caused by or resulting from delay, forms you are considering. loss of market, loss of use, bankruptcy, foreclosure, execution or similar proceedings, wear and tear, moth, PROPERTY EXCLUDED vermin, insects, deterioration, inherent vice, latent de- S' feet or mechanical breakdown. . . . The DIC policy also excludes certain types of prop- The above two exclusions are normally found in all erty. Once again the forms are not standard, and prop- risk policies. They generally refer to perils that are erty exclusions may differ on each form. "uninsurable" in the ordinary sense of the word. These The following kinds of property are excluded: g, perils are considered more as part of a business ex- Accounts, bills, deeds, notes, money, securities, evi- pense. The forms of various companies in the DIG dences of debt, railroad and other tickets, stamps, jew- market may differ slightly with respect to the various ely, watches, precious metals, precious and semi- perils excluded here. precious stones, furs or fine arts. . . . Loss by normal settling, shrinkage or expansion in Several DIG forms include coverage for jewelry, foundations, walls, floors or ceilings. . . . furs and fine arts, but limit jewelry and fur losses to • 33 War or warlike action. no more than $1,000 in the aggregate per occurrence, Nuclear perils. . . . and exclude coverage of fragile fine arts pieces by Loss occasioned by enforcement of any ordinance or breakage. as law regulating the construction, repair or demolition Lawns, plants, trees, growing crops or standing tim- of real property insured ben. . . . Loss or damage caused by or resulting from: back- Vehicles, aircraft, watercraft or animals. . . . ing up of sewers or drains due to an occurrence of na- Property covered under import or export ocean ma- ture; seepage, leakage or influx of water immediately r•rr1e Policies. . . . Property sold on installment, conditional sale, trust derived from natural sources into buildings, except while in due course of transit. agreement or other deferred payment plan, after dc- 8^ This exclusion is found in some, but not all, DIC livery to customers. . forms. When this exclusion is used by an underwriter, Shipments by mail. . it is usually not deleted. Neon, automatic or electric signs. . . . II' Loss or damage caused by or resulting from inter- Data processing equipment and media; valuable pa- ruption of business or other consequential loss extend- pers and accounts receivable, . . . ing beyond direct physical loss or damage to property Property in course of construction. insured, unless endorsed on to the policy. Business Interruption and other Time Element cov- TERRITORIAL LIMITSerages are written under DIC policies by most under- li writers by endorsement of the desired form. The Busi- Most DIC forms cover property cludi anywhere in the ness Interruption insurance limit of liability may dif- Continental United States, including Alaska, Canada. Puerto Rico, the District of Columbia and Canada.fer from direct property loss limits, and there are dif- (Lloyds Brenty form would cover world wide.) v f provisions applicable to Business Intern-option it coverage. Thus, this is usually treated as a separate , endorsement. ALUATION The following two exclusions found in many DIG In case of loss the basis of adjustment, unless other- forms can be deleted by endorsement. Coverage is usu- wise endorsed on the policy, is as follows: ally afforded under separate limits of liability, and may Finished goods manufactured by the insured, at the be subject to special treatment of deductibles for un- insured's net selling price after all discounts and un- i'l derwriting reasons: incurred expenses. . . 2 ft Difference in Conditions Insurance 325.1 tntr VA;•ts:mt.'AystttM..Wstaysm .'tstttta -AAAAAOAAAAAAAAS\. :tmstm .;., Raw stock and stock in process, at replacement cost, Patterns and dies, at replacement cost i.f actually with like kind and quality. . . replaced; otherwise at actual cash value. . . . Improvements and betterments, at replacement cost Any other property not otherwise provided for. at at the time and place of loss if actually replaced. If actual cash value at time and place of loss. not replaced, at actual cash value on date of loss. . . . OTHER INSURANCE • ' Real and personal property, at actual cash value un- Most DIC policies provide that the policy does not less otherwise endorsed. . . . cover to the extent of any other insurance covering Accounts, manuscripts, mechanical drawings and the property against the same perils, and the company other records and documents not specifically excluded, is liable for loss or damage only for excess value over at value blank plus cost of transcribing. . . . amount due from such other insurance. Underwriting ACCEPTABILITY on top of roofs, or weakening of timber supports caused The Difference in Conditions policy was developed by the above accounting for most collapse losses. tl a number of years ago, but its popularity has grown Water damage, excluding flood, is also a major cause tremendously in the last few years. It was originally of DIC losses. Most water damage is caused by pipe designed for large industrial, manufacturing and mer- ruptures, roof leaks and surface run-off water. cantile risks which were principally interested in ob- Burglary losses are also a major source of DIG taming catastrophe coverage for flood, other water losses. More efficient burglar detection systems, such damage, collapse, earthquake, landslide or mudslide as watchmen, automatic alarms, etc., would he a de- perils. terrent to burglaries. The policy is now becoming more popular for small- er sized risks which face the same exposures, and are DEDUCTIBLES -' finding that the DIC market has grown competitively, 111 ' ' .'1 while at the same time offering coverage needed to fill All DIC policies are written with deductibles ap- the gaps in standard property policies at limits and plying over all perils. Deductibles for larger risks with deductibles more tailored to their size than previously, many millions of dollars of value may start at $10,000 A Difference in Conditions contract is currently or $25,000, or may be written in layers of coverage. available through certain underwriters for small mer- Lower deductibles of $2,500 or $5,000 are used on cantile establishments whose premises are located in smaller risks. Flood deductibles are usually larger than areas that are deteriorating and the crime rate is high. deductibles applicable to other losses. Earthquake de- Such risks principally want a DIC for the burglary ductibles may be either of dollar type or percentage de- (open stock) and water damage coverage. The small ductibles. The earthquake deductible generally is high- risk DIG has been developed as an alternative to Fed- cc in areas where there is a more severe earlhqu:dm, endCrime insurance in some areas. In many cases landslide or mudslide hazard. this type of DTC covers risks that have basic Fire and E. C. insurance in FAIR Plans. FLOOD AND EARTHQUAKE,, COVERAGE The DIC policy is written without coinsurance. Gen- As previously mentioned, these two perils often are orally, the insured selects a limit of liability for all the principal reason why insureds purchase DIG cov- insured property both real and personal that would erage. Underwriters usually are very careful in under- be subject to catastrophic loss involving one of the writing for these perils, as the insured only wants to perils picked up by the DIC. Often this may be 50% include the coverage when the exposure is higher than of the values at any one location or over all locations. average. Often there are sub-limits set up tinder the ry A recent study made by member companies of the policy, particularly for flood. The general rule of thumb Factory Mutual System showed that the most com- is for the insured to be permitted one-half the total mon causes of DIC losses are collapse, water damage limit of liability of his policy for flood. Thus, if the and burglary. Underwriters, of course, are concerned limit of liability is $5 million, the limit of liability for with these causes, but also are concerned with earth- flood would be $2:5 million, subject to an annual aggre- quake, landslide, mudslide and flood perils, which occur gate of the same amount. much less frequently but are far more catastrophic in nature. Probably most DIC policies for very large RATING risks are purchased with earth movement and flood exposures foremost in the mind of the insured. The DIC policy does not have any filed rates. Since Roof collapses are responsible for a majority of each individual risk presents different exposures to DIC losses. Heavy pile ups of snow, ponded rain water loss, and insureds may want to add or delete certain All Rights Reserved. The Rough Notes Co., inc., Indianapolis. Printed in U.S.A. 11.11 3 9 325.1 Difference in Conditions Insurance aea.AA:::�W.L:.�:"�S�VAA`::. AAAA�INkkaAA`VAAAA' VCLCOAAAAAAAAAAA'AkaMISA.,tC VAAAAAAkkk,AAA'W :Wnt'Ma,A.N coverages, the underwriter must use his judgment on exposure as well as direct damage exposure, when Busi- the rating of the policy. The policy is written for a ness Interruption insurance is written. !I three year period and rates are quoted on that basis. When the market is competitive, rates may tend to be SMALL RETAILERS DIC lower. The underwriter's judgment, however, depends on As previously mentioned, underwriters are now a thorough review of the following factors as deter- writing Difference in Conditions insurance on small mined by the application and physical inspections of retail establishments to cover principally the mercan- the property: tile open stock burglary exposure and the water dam- Total values exposed to loss. Often the underwriter age exposure. This program is currently being writ- looks at the total insurance in relationship to the total ten for small businesses in deteriorating urban areas values, since the DIC is not a coinsurance form. An as an alternative to state and federal Crime insurance increase or decrease from 50% of the total values at programs. Since the form is a no-coinsurance form, risk may affect the premium. the insured may choose a limit of liability closely ap- Physical information. Type of construction, physi- proximating the coinsurance limit for the Open Stock cal condition of roof and roof supports, exposure to Burglary form and not be penalized by any coinsur- floods or rising waters, installation of adequate drains ance. In addition, the small business man can obtain and pumps to carry away water, adequate watchmen the same amount of coverage for collapse, water dam- or burglary alarm system, etc. age, transit, and other unforeseen losses. If earth- Perils to be covered. When earthquake and flood and quake and flood exposures exist, they may be insured. broad water damage and transit coverages are included Minimum deductibles under most small retailers premium is higher. DIC's are $250, but higher deductibles are available. Deductibles. The insured's willingness to accept As a rule of thumb, the DIC limit of liability should larger deductibles lowers cost. Most policies are writ- be approximately 20-25% of the total values at loca- ten for $2,500 or higher deductibles. tion. Thus a location having from $50,000 to $100,000 Past loss history. Most underwriters ask for a his- in value might have a DIC limit of $20,000. Deducti- tory of all risk loss experience for past 5 or 10 years. bles may be raised to obtain higher premium credits. q9 Limits of liability. If values are concentrated in or the underwriter may insist on higher deductibles '. one area, or a particular location is especially subject as the limit of liability is increased. Most underwriters to a loss from flood or earthquake, limits should be entertaining DIC's on small retailers do not prefer to figured at an amount close to the values in these loca- write more than $50,000 on any one location, nor more tions. DIC coverage of $10 million or more at any one than $2,500-$5,000 per occurrence for in transit cow- location is not uncommon. Consider the time element erage. VI 11 n Rough Notes MONTHLY POLICY, FORM & MANUAL ANALYSES 135.1 R�::c c3`..._..,.,...�..�.:a:...Aa�,.,:,a.:...Atamt AOu�VAABOO\.�CAAAAOAAA VAAVA' VAaAAAA•knv\�GVAAAAUVCiV VAAC�\uVAAo:aSS\:,AAAAAAu�\u�"VA.S�'OAu��`:;,��A`VA:�VACVMa Fire Legal Liability Fire legal liability is a controversial problem faced by tenants and owners of business property and insurance companies. The problem involves claims for damage to property of others arising principally from fire or explosion for which a firm or individual may be held liable. Both landlord and tenant carry Fire insurance, as a rule, whether fully or partially covering loss. However, the standard Fire policy contains a clause that grants to the insurance company the rights of the insured upon payment of a claim. Of great importance at the present time is the trend toward business interests executing waivers or releases among themselves and endorsing their respective Fire policies in recognition of such agreements. A standard Subrogation clause is available for such use as an endorsement and is incorporated in many forms. 'Where this cannot be done or is not adequate, special insurance may be considered. TILE FIRE PROBLEM and justifying the premium increase in the eyes of the Fire insurance policies contain subrogation clauses insured, always confront the producer. Does a $250,000 which grant to the insuring company the rights of the factory exposure on adjoining property warrant Prop- insured against a third party. Such rights are trans- erty Damage Liability limits in that amount? ferred to the company by the insured when, upon pay- Secondly, General Liability insurance invariably con- 1 meat of a claim, he signs a release which relieves the templates claims for loss or damage caused by accident. company from further liability for the claim. Signing Most fires are caused by accident, but situations con- the release also subrogates the company, to the extent ceivably can arise that may be construed as not having of such payment, to all right of recovery by the insured. been caused by accident. If the company determines that a loss was caused by the A third aspect of the problem as related to General act or neglect of any person or organization, it there- Liability insurance is the exclusion in such policies of loss of or damage to the property of others in the care, fore has the legal right to proceed against such party to recover the sum it paid under its policy. The sig- custody or control of the insured. Building owners and nificance of this procedure is apparent to building own- general lessors often have care of property of their ers, their lessees and tenants, and owners and occupants tenants. Tenants, especially those leasing entire build- of adjoining property. ings, often have effective responsibility for a building. Fire policies written for business establishments Damage to such property is not covered by General Lie- - usually cover the property of others held by the insured bility insurance. The tenant can be protected under the and for which he is legally liable under the Contents owner's insurance if he can arrange to be added as a item. However, using the Building and Contents form named insured under the policy. Ile can, for a price, (132.11) as an example, customers' goods are not cov- secure an endorsement for his own Liability insurance ered when altering, servicing, repairing or storing to cover the risk up to a specified limit. See "Special is the principal activity unless specifically endorsed and Casualty Forms" below. unless the 90% or higher Coinsurance clause applies ea to the item. But what of the liability of the tenant RELEASE of LIABILITY AGREEMENTS to the building owner if the building should be damaged Property owners are, in increasing numbers, includ- in the fire? Of his liability for damage to adjoining ing release of liability clauses in tenancy agreements. property? Of the liability of the building owner for Tenants and building owners are executing mutual loss to property of his tenant or that of people next agreements whereby neither will hold the other liable for door? fire damage to his property. General lessees and their 'THE CASUALTY PROBLEMtenants are doing the same thing. To a lesser extent, owners and occupants of buildings are executing mutual General Liability insurance may be written to provide releases with owners and occupants of adjoining prop- Property Damage Liability insurance under the Prem- erty. l ises-Operations division. Property Damage Liability The execution of such waivers and releases, carefully insurance does cover the insured to the extent of the drawn up by attorneys for the interested parties, led liability imposed upon him by law for the property to an increasing number of requests for the attachment of others, but indemnity for claims is limited to the of subrogation waiver clauses to Fire policies. These limits of liability of the policy. Basic limits for Prop- relate to the release of subrogation rights against third erty Damage Liability insurance, for which rates are parties when such releases have been effected by agree- quoted in most General Liability manuals, are $1,000. ment prior to loss. The limit of liability can be raised in consideration of A strong argument in favor of recognizing waiver an increased premium. But the twin problems of ac- of subrogation without charge is based upon the premise lLifl curately estimating the limit that should be carried, that Fire rates are derived from loss experience which All Rights Reserved. The Rough Notes Co., Inc.. Indlanapolh. Printed In V.S.A. 69-1I "w'4 cm ' 135.1 Fire Legal Liability A\\2:a\`�';;\� �i"\\a a o`m\c awya\O\\\\\\\\ ,,..\\\\a,\ ,.�\v,ma,\\O\\\\%\\\\\\l\\\\\\\\O\\\\\\\\\\\\\ \\\,,,,,,k \\\\\\\\\,,,,, \\\\,,,,.\\\Q\\O\\\\\\\\O\�.\\\\\�i.\`\,,] includes fires due to the negligence of third parties. It that lessee is fully compensated for such loss or damage is also contended that the premium rate for a building by actual receipt of proceeds from insurance policies is the same whether it is occupied by the owner or by covering such loss or damage." 7 s someone else. Fire insurance companies in general have When the tenant's insurers paid his loss following not been active subrogators in the past. an explosion, they took subrogation proceedings against New rules and an acceptable Subrogation clause have the building owner, alleging his negligence in maintain- -1 incorporated in the Rule Books for those situations ing equipment that caused the explosion. The court where the insured has, by written contract or agree- found that the agreement, made prior to the loss, effec- ment, released any third party for right of recovery for tively released the landlord. loss. No clause may be used that grants permission to waive the insured's right of recovery after the occur- COVERAGE BY ENDORSEMENT rence of a loss nor which relates to any release of third For the reason that General Liability policies do not parties unless such release or waiver is based upon a cover loss of or damage to property in the care, custody written agreement. The following clause is recom- or control of the insured, it is always desirable, when mended and is acceptable to most insurance companies the risk appears to be serious, to arrange release of Ha- as part of the descriptive form or as an endorsement. bility agreements as suggested above or to cover both It is hereby stipulated that this insurance shall not be parties as named insureds in a single General Liability invalidated should the insured waive in writing prior to a policy. When there are obstacles to these procedures, a � loss any or all right of recovery against any party for loss tenant may be protected with respect to the building i occurring to the property described herein. he occupies by endorsement of his own General Liability Use of the underlying agreement whereby parties insurance up to a specified limit. are released from liability for physical damage to prop- By attachment of the endorsement (0209) captioned I1 erty is of the greatest importance in solving the fire "Real Property-Liability-Fire," it is agreed that Prop- legal liability problems of business people. It is neces- erty Damage Liability coverage applies to property sary that such agreements be properly drawn and that damage to structures rented to or occupied by the named the policies of the party releasing another party be en- insured and described in the endorsement, including dorsed as shown above. permanently attached fixtures, if such property damage arises out of fire. The protection does not apply to lia- i: ADJOINING PREMISES bility assumed by the insured under any contract or If an insured carries Property Damage Liability agreement. Special limits of liability, separate from other limits stated in the insurance, are specified in coverage under his General Liability policy, he has Fire the endorsement for each occurrence involving described r Legal Liability insurance that protects him within the property. specified limits for damage to adjoining property, pro- Classification Code No. 9830 applies to all commer- vided it is not in his care, custody or control. cial risks (mercantile or manufacturing). As respects In the absence of proper Liability protection, owners contracting risks, it applies only to real property and and occupants of buildings may execute mutual releases permanently attached fixtures which the insured rents with owners and occupants of adjoining property. When or occupies for such purposes ns a store, workshop, 4� this is done it is very important that: Fire policies of warehouse or garage and not to property worked on all affected insurance carriers be endorsed with subro- by the insured. gation waiver clauses; parties to the releases be made The rate for the special coverage is generally 25% aware of the importance of full insurance because of the of the 80% Coinsurance Fire building rate per $100 0 possible means of recovery they have given up. of insurance when the limit is not less than 80% to value. The rate is higher if the limit is a lesser per- RELEASE AGREEMENT HAS COURT SANCTION centage of value. It does not appear in the General Liability Manuals but is obtained from the companies. International Insurance Company, Et A1., Appellants v. Medical-Professional Building Of Corpus Christi, Ap- ll pelle demonstrates the importance and validity of a re- UMBRELLA LIABILITY INSURANCE lease from liability. The citation is Texas Court of One of the significant coverage features of Umbrella Civil Appeals, Thirteenth Supreme Judicial District, Liability insurance written for businesses is that it in- Corpus Christi. No. 218. August 4, 1966. 12 CCH eludes protection for claims Alleging fire legal liability. ii Fire & Casualty 1206. It has the additional advantage of being written in A written lease between a building owner and tenant amounts of $1 million or more, thus overcoming the contained the following proviso: "Lessee hereby waives problem of fixing insurance limits for actual property any claim it might have against lessor for loss or dam- values. For the reason that the risk is not covered un- age to it caused by lessor in connection with lessee's der primary Liability insurance, any claim is subject occupancy of the above described premises, and storage to the amount of retention for which the Umbrella Lia- lg of goods, wares and merchandise therein to the extent bility policy is written. 1l Fire Legal Liability 135.1 d:,,e,,,,,, rur %rtemma \tn.% ‘k wmat o r "floc ou \aoo,� aktr'>.. nnea• Where a major landlord-tenant relationship is in- to pay on behalf of the named insured all sums which lvolved, the mutual release agreement is still important. the insured becomes legally obligated to pay as dam- , It is an underwriting and/or rating factor for many ages because of injury to or destruction of such prop- i s writers of Umbrella Liability insurance. erty, including the loss of use thereof, caused by acci- dent and arising out of fire. FIRE LIABILITY INSURANCE Supplementary benefits, payable in addition to the 11 Forms have been standardized in the Eastern states applicable limit of liability, except settlements of claims i and in the Pacific Coast states to be used for covering and suits, are: i .. fire liability imposed by law, including loss of use, ap- Defense of any suit against the insured alleging such plying to commercial property (mercantile or manufac- injury or destruction and seeking damages on account turing) owned by others in the care, custody or control thereof . . . . I of the insured. i Payment of premiums on bonds to release attach- Endorsements. The rules provide for the attachment of merits for an amount not exceeding the stated limit of 1 endorsements covering additional perils. The following liability and all premiums on appeal bonds required in i' endorsements may be added: Inherent Explosion Lia- any such defended suit . . . . bility Assumption clause, Smoke Damage endorsement, Extended Coverage endorsement and the Vandalism and Payment of all expenses incurred by the company, all Malicious Mischief endorsement. costs taxed against the insured in any such suit and all li The Inherent Explosion Liability Assumption clause interest accruing after entry of judgment until the may not be used when the Extended Coverage endorse- company has paid, tendered or deposited in court such ment is attached. part of judgment as does not exceed the limit of the These endorsements may not be used on the Pacific company's liability thereon . . . . Coast form. Reimbursement of the insured for all reasonable ex- The coverage may not be included in the same policy penses, other than loss of earnings, incurred at the with any other class of insurance but must be specie- company's request. cally issued under a separate policy. The policy must "Insured" includes the named insured and also in- include a definite description of the insured's business, eludes any partner, executive officer, director or stock- ' -:....1 operations and location, together with a description of holder thereof while acting within the scope of his the property to be covered. An important difference be- duties. tween the Eastern and Pacific forms is that the latter This insurance does not apply to liability assumed is adaptable to risks of the dwelling class while the by the insured under any contract or agreement. q" former may not be used for that purpose. (Appropriate Pacific Coast forms, though different from the Eastern Casualty forms are recommended.) forms in wording, are similar in effect. They, similarly, East Coast forms, applicable to New York, the New may be used to cover liability as determined and im- England states and the Southeastern states, may not posed by law for loss to property owned by others in include the following additional insurable interests: the care, custody or control of the insured. They, too, la Contractors or sub-contractors, in are not intended for common carriers and warehouse- policies covering men, for whom separate rules are provided. They may tenants or lessees of premises . . . . be used for dwelling property as well as commercial Tenants, lessees, concessionaires, or exhibitors, in property. policies covering general lessees, managers or operators I of premises. FIRE LIABILITY RATES Other additional insurable interests may be included East Coast rates apply regardless of the percentage of without additional premium charge, except the follow- occupancy by the insured, degree of control exercised by ing which may only be included at an additional pre- the insured over the premises or the valuation of the mium charge of 25% : premises. Contractors' risks may be covered only as to i d General lessees, managers or operators of premises, buildings which the insured rents or occupies, such as in policies covering tenants or lessees of such prem- store, office, workshop, warehouse or garage, and not as ises . . . . to property being worked on by the insured. (May be covered under appropriate Casualty forms.) 1! Employees other than executive officers or partners, Rate levels apply per $100 of limit of liability per j in policies covering their employers. annum for coverage on or in each building. For cover- ] Eastern states Fire Liability forms fix a limit of age applicable to building, the rate level is 25% of the i., liability for all damages as the result of any one acci- 80% Coinsurance Fire building rate (if no 80% Co- dent, as respects described property owned by others insurance rate, the 25% factor applies to the published in the care, custody or control of the insured, while Coinsurance rate or, if no such rate, to the no-Coinsur- la situated in a described location. The company agrees ance "flat" rate). For coverage applicable to contents, All Rights Reserved. The Rough Notes Co., Inc., Indienspolit. Printed I. U S.A. s9-II p 135.1 Fire Legal Liability Esc raao \vaa ��uama a n �a�u �o��cac�� 'mats= ann the rate level is 60% of the 80% Coinsurance Fire con- property covered plus 75% of such rate for ench build- tents rate (if no 80% Coinsurance rate, the 50% ing or structure in excess of one. factor applies to the published Coinsurance rate or, if Where there is no Average clause deduction allowed. Ib no such rate, to the no-Coinsurance "flat" rate). use the flat or gross rate or if the only Average clause Rates for Inherent Explosion Liability Assumption property damage rate published is based on an Average clause, Smoke Damage endorsement, Extended Coverage clause of a higher percentage than 80%, such published 3-� endorsement and Vandalism and Malicious Mischief en- rate must first be resolved to the 80% Average clause. dorsement are determined by applying the above per- centages to the rates provided under the respective rules applying to such perils. COMPREHENSIVE PERSONAL LIABILITY AND The minimum premium is $25 per policy. Rates dif- HOMEOWNERS POLICIES fering from the above may be established by the rating Incorporated in the HO Homeowners series is an organization in individual cases on submission of corn- extension of a similar provision in the Comprehensive plete underwriting information to justify such de- Personal Liability policy. It is in addition to the cov- parture. erage afforded under Section II of the Homeowners poi- , Pacific Coast rules require a minimum premium of icy (Personal Liability) and serves to waive the exclu- $100 per policy per annum except as to risks of the sion covering property damage to property used by, dwelling class, for which the minimum is $10. Term rented to, or in the care, custody or control of the in- g rules as for property damage insurance apply. sured for property damage to the premises or house The rate is the 80% Average clause rate of the prop- furnishings. The perils causing damage against which erty covered without the requirement of an Average liability is covered are fire, explosion, or smoke or clause. Policies covering blanket at more than one loco- smudge caused by sudden, unusual and faulty opera f6m 9' tion take the highest 80% Average clause rate of the of any heating or cooking unit.. I3 i� Iln • I`I T", I ADDITIONAL SERVICE SPECIFICATIONS 0 A. Please indicate in your figures whether any expenditures by the . . County are required by the insurance company, i.e. ; Sprinklers, Heat • Detectors, Burglar Alarms, etc. (All County propoerties are to be included--no exceptions) . Location and Expenditures Required: Various' Recommendations have })PPn rude by Pxi-tford Loss Control Department - No additional charge for this service B. The County desires a complete .detailed appraisal of all buildings specifying the total up to date replacement cost of each building. (This must include all measurements, graphs, and details of all re- construction calculations and photos) . A 1. Approximate. Initial Cost: $ 21,759.84 2. Approximate Annual Updating: $ 2,175.98 3. Is this appraisal binding upon the insurance carrier: Yes No X 4.. Company making the appraisal GAB Business Services, Inc. • C. Premium Payment Method, (Check suggested plan).. 1. Annual in advance X • 2. Deposit plus installments N/A (% of down payment . Number of installments ) . (% of each installment ) . 3. Monthly Installments fl/A ; % of each installment D.. Disclosure of commission fee percentages on each policy. All Commissions Retained by Greeley-Weld Insurors Average 7.5% of Gross Premium. 4 THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. • 1 PROPOSAL FORM REQUIREMENTS • • LAW ENFORCEMENT NT OFFICERS PROFESSIONAL LIABILITY Name or type of policy being proposed Existing Policy ,'-`LOPL 400-177 Name of Insurance Company: Insurance Company of the State of. Pennsylvania Address of home office: Philadelphia, Pennsylvania Authorized agent submitting proposal: Franks & Scott Co. Claims office from which all claims will he made: Home Office Address : J Claims handled by Company Personnel Staff or independent adjusters (name) __-Staff_— Current best's ratings A+ Effective skate of policy (s) : November 1. 1979 (existing policy IFLOPL 400-177) The basis upon which rates are arrived at should be explained. Information submitted on application Type coverage: $500,000 any one person - $500,000 any one accident Premium (annual) broken down 1 $24,852.00 Deviations from coverage, limits, conditions, etcetera, 'mentioned in specifications: No deductible, Standard Form Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, sepcific excess and pre- miucn, aggregate excess and premium, fee and loss fund is arrived at and . basis for future changes. Alternate specific stop loss and loss funds will be considered. Excess insurance carriers will be:_j Applicable We will abide by the specifications and requirements in this document except for deviations agreed to. E Agent Agency Agent 'ran s an co • I SUPPLEMENTAL PROPOSAL FORM R ltlkt•:Plt:NTS • (Not Included in Bid Proposal) • BOILER MACHINERY AND ----------------- None or type of policy being proposed • Name of insurance Company: Hartford Steam Boiler Inspection & Insurance Company Address of home office :—c/o Hartford Insurance Co. (Package Policy) { Authorized agent submitting proposal : Franks & Scott Co. Claims office from which all claims will be made: One Park_.Central r 505__ Address: 1515 Arapahoe SEtreet _. 4emzer_e_CSI 80202 Claims handled by comp any Staff or independent adjusters (name) 1 Current best's ratings��_�-}-Y� ---_ Effective date of Lxdicy(s) : 1-15-80 The bat:i.s upon which rates are arrived at: should be explained: See information attached Type coverage: See proposal for "Comprehensive Plan" Premium (annual) broken down 1 $3,027.00 Deviations from coverage, limits, conditions, etcetera, mentioned in specifications: Contained in presentation 4 Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, sepcific excess and pre- mium, aggregate excess and premium, fee and loss fund is arrived at and basis for future changes. Alternate specific stop loss and loss funds will be considered. Excess insurance carriers will. be: None We will abide by the specifications and requirements in this document except for deviations agreed to. 1 Agent Agency Agent , IILr-SCot• 4 ADDENDUM TO SUPPLEMENTAL PROPOSAL FORM The Boiler & Machinery insurance coverages are presently included in the Special Multi—Peril Policy which provides Property and General Liability Coverages. While this coverage was not indicated in the request for bids, it is felt by your Agent that the coverage is of significant importance to be included and recommended as a supplemental coverage. The present policy provides two different rating classifications on two separate contracts. A new system has been introduced by The E artford { Steam Boiler and is entitled "A Comprehensive Plan" which offers a variety of credits and provides broader coverage and higher limits for select risks such as Weld County. For this reason the attached information is included in detail. Your • consideration of this coverage in this form is of great importance to the proper and complete underwriting of the County's insurance program. To Wit: Present Plan Comprehensive Plan Limits of Liability Per Accident: $500,000.00 51,000,000.00 Deductible: $1,`)00.00 $1,000.00 1 Standard Coverages Broadened Definitions Fewer Exclusions Annual Cost: $3,188.00 $3,027.00 I 1 i !i ® /- BOILER AND MACHINERY ENDORSEMENT SHEET 1 OF 3 SHEETS Endorsement No._ t_. Canceling Endorsement No. Forms a Part of Policy No. _ ' - !dent.No. Effective From Noon of _ — Issued Insured -. i i There is hereby added to Endorsement A of the policy the following: DEFINITIONS i y SECTION H - COMPREHENSIVE DEFINITION OF OBJECT "Object" shall mean any equipment or apparatus described below while located i on the Premises of the Insured, subject to the exclusions specified herein: q ,i A. Any Boiler, any fired vessel, any unfired vessel subject to vacuum or I internal pressure other than static pressure of contents, any refrig- ! erating system, or any piping and its accessory equipment and includ- ing any boiler or pressure vessel mounted on mobile equipment, but i "Object" shall not include: e. 1 . any boiler setting, any refractory or insulating material , • 2. any sewer piping, any underground gas piping, any piping forming !, a part of a sprinkler system or any water piping, other than: (a) feed water piping between any boiler and its' feed pumps or I injector (b) boiler condensate return piping, or (c) water piping forming a part of a refrigerating or air con- ditioning system used for cooling, humidifying or space heating purposes, or 3. any oven, stove or furnace. . B. Any mechanical or electrical machine or electrical apparatus used for the generation, transmission or utilization of mechanical or electrical power, but "Object" shall not include: I . any structure or foundation other than a bedplate of a machine, 2. any conveyor belt, 3. any vehicle, elevator, crane, hoist, power shovel, or drag line, but not excluding any electrical equipment used with said machine or apparatus, t 4. any electric or electronic data processing, calculating or computing equipment, 5. any X-ray machine, electron microscope, particle accelerator, Beta This Endorsement is not valid unless signed by a person duly authorized by the Company. • i Signed by I 56D—Rev. 7/1/71 BOILER AND MACHINERY • • BOILER AND MACHINERY ENDORSEMENT it SHEET 2 OF 3 SHEETS Endorsement No. Canceling Endorsement No. Forms a Part of Policy No. _ !• Went. No. Effective From Noon of _ Issued Insured _ T Al. (Continued from Sheet 1) gage, or Spectrograph. 6. any refractory material , • 7. any oven, stove or furnace. 8. any.-feed console . C. Any transformer or electrical apparatus, whether or not such an Object is located on the Prcmiscs of the Ineured, owned by a Public Utility Company and ehich is used solely to supply electrical power to the • DEFINITION OF ACCIDEtTT • "Accident" shall mean a sudden and accidental breakdown of the Object, or a part thereof, which manifests itself at the time of its occurrence by physical damage to the Object that necessitates repair or replacement • of the Object or part thereof; but, Accident shall not mean a depletion, deterioration, corrosion, or erosion of material ; • I • b wear and tear; • c leakage at any valve, fitting, shaft seal , gland packing, joint or • connection; d) the breakdown of any vacuum tube, gas tube or brush; • e) the breakdown of any electronic computer or electronic data processing equipment; f� the breakdown of any structure or foundation supporting the Object or any part thereof; ¢ the functioning of any safety device or protective device; nor h) the sudden and accidental explosion of gas or unconsumed fuel within the furnace of any Object or within the gas passages therefrom to the atmosphere. SPECIAL PROVISIONS 1 . As respects any boiler, fired or unfired vessel , refrigerating system or piping, the Company shall not be liable for loss from an Accident while said Object is undergoing a Hydrostatic, Pneumatic or Gas Pressure • Test. This Endorsement is not valid unless signed by a person duly authorized by the Company. • Signed by 56D—Rev. 711/71 BOILER AND MACHINERY ------------- ------- ----- - - ------ ------- --------------------- • • ' BOILER AND MACHINERY ENDORSEMENT SHEET 3 OF 3 SHEETS Endorsement No. l Canceling Endorsement No. Forms a Part of • Policy No. _ (dent.No. • Effective From - Noon of —. — Issued Insured • (Continued from Sheet 2) 2. As respects any boiler or fired vessel , the furnace of the Object and the gas passages therefrom to the atmosphere shall be considered as "outside the Object". 3. As respects any unfired vessel which is used for the storage of gas or liquid and which is periodically filled, moved, emptied and refilled in the course of its normal service, such vessel shall be considered as "connected ready for use" within the terms of the policy. 4. As respects arty electrical machine or electrical apparatus, the Company shall not be liable for loss from an Accident while said Object is under- going an insulation breakdown test or is being dried out. 5. As respects any electrical machine or electrical apparatus, Exclusion 3(a) of the policy is changed to read: (a) loss from fire outside the Object concomitant with or following an Accident or from the use of water or other means to extinguish fire. 6. As respects any boiler of the chemical-recovery type, the Company shall not be liable for loss from an explosion within the furnace of any such boiler or within the passages from the furnace to the atmosphere, whether or not such explosion (a) is contributed to or aggravated by an Accident to any part of said boiler that contains steam or water, or (b) is caused in whole or in part, directly or indirectly, by an Accident to any Object, or part thereof. OPTIONAL BLANKET GROUP DESCRIPTIONS 1 CODE DESCRIPTION • CC1 Objects as defined in Section W of Endorsement A • • • This Endorsement is not valid unless signed by a person duly authorized by the Company. . Signed by 56D—Rev.7/1/71 BOILER AND MACHINERY ARTHUR J. GALLAGHER & CO. WELD COUNTY, COLORADO PROTECTED SELF INSURANCE PROPOSAL JANUARY, 1980 ARTHUR J. GALLAGHER & CO. A Word About Protected Self-Insurance In this proposal for the County, we emphasize the word protected. The County is currently a non-insurer in several areas of exposure to loss. Our program places a limit on your present non-insurance while at the same time converting your present insurance to self-insurance, thus elminating the risk of pure self-insurance or non-insurance. ARTHUR J. GALLAGHER & CO. PARTIAL LISTING OF SELF-INSURED CLIENTS PUBLIC ENTITIES Adams County, Colorado Rochester, New York Aurora, Colorado Santa Barbara, California Sacramento County, California Winnebago County, Illinois Palm Beach County, Florida Palm Beach, Florida Du Page County, Illinois Riviera Beach, Florida Chicago Transit Authority East Brunswick, New Jersey Monroe County, Florida Lee County, Florida Orange County, Florida Mesa, Arizona Reading, Pennsylvania Fort Lauderdale, Florida Seminole County, Florida Norwalk, Connecticut Norfolk, Virginia INTERGOVERNMENTAL RISK MANAGEMENT Combined Program for the Illinois Cities of: Barrington Northfield Buffalo Grove Oak Brook Downers Grove Palatine Glendale Heights Rolling Meadows Glen Ellyn Roselle Hillside West Chicago Lombard Westmont Niles COMMERCIAL AND INSTITUTIONAL Beatrice Foods Company Seven Up Bottlers National Can Corporation. Meadowgold Farms Archdiocese of Denver Samsonite Corp. Culligan, Inc. Jolly Rancher Candies Marshall Field Stores Mobil Pre-Mix Archdiocese of Hartford Bliss & Laughlin Industries Names, addresses and telephone numbers of clients will be furnished upon request. ARTHUR J. GALLAGHER & CO. WHAT IS INCLUDED 1. All Buildings 2. All Contents 3. General Liability 4. Auto Liability 5. Auto Physical Damage 6. Money & Securities 7. Fine Arts 8. Glass 9. Employee Fidelity 10. Public Official Liability 11. Errors and Omissions 12. New Construction 13. Special Events 14. Liquor Liability 15. Medical Payments (Auto-Premises) 16. All County Departments ARTHUR J. GALLAGHER & CO. WHAT IS NOT INCLUDED 1. Property Losses of a Degenerative Nature (wear and tear, deterioration) 2. War Risk and Nuclear Damage 3. Personally owned autos. 4. Hospital Malpractice Ins. 5. Pollution, Seepage and Contamination 6. Aircraft Liability or Physical Damage 7. Airport Liability 9. Boiler and Machinery 10. Fidelity required by law 11. Inverse Condemnation ARTHUR J. GALLAGHER & CO. PROPOSAL Limits of Liability Automobile Liability $1,000,000 per person, $1,000,000 per occurrence S.1.R.-$100,000 General Liability $1,000,000 per person, $1,000,000 per occurrence S.I.R.-$100,000 Public Official Liability $1,000,000 each claim and aggregate S.I.R.-$100,000 Sheriff's Professional $1,000,000 per occurrence Property $6,000,000 each and every loss each and every location Aggregate Excess $400,000 in excess of $225,000 Annual Loss Fund Employee Fidelity $100,000 any one claim Money and Securities $100,000 any one claim Worker's Compensation To be added upon approval. Note: Flood limited to $250,000 per occurrence and aggregate. Earthquake limited to $5,500,000 Annual Aggregate. Public Official Liability subject to Standard Form. ARTHUR J. GALLAGHER & CO. PROPOSED COSTS We propose to write this program as follows: Fixed Costs - Insurance, Taxes, and Service $168,005 Plus Actual Losses as settled. ARTHUR J. GALLAGHER & CO. FIXED COST BREAKDOWN 1. Excess Insurance Premiums $138,505 2. Estimated Taxes $ 2,000 3. Gallagher Bassett Service Fee $ 27,500 ARTHUR J. GALLAGHER & CO. EXPECTED COSTS Excess Insurance, Taxes, Bonds $ 140,505 Gallagher Bassett Fee $ 27,500 Expected Losses* $ 43,981 Less Value of Cash Retention $ (20,700) 1980 Annual Expected Costs $ 191,286 NOTES: For Cash Flow consideration, 30 to 50 percent of incurred losses are customarily paid in the year they occur. In a five year period the average annual Cash Flow would approximate $20,700 savings. *Expected losses are three year incurred averages including automobile physical damage plus a factor for inflation. ARTHUR J. GALLAGHER & CO. SELF RETENTIONS I. Loss Fund $225,000 This fund represents the maximum loss payments the County would be exposed to in the coming year. II. Stop Loss $100,000 No loss in excess of $100,000 (combined perils) will be charged to the Loss Fund, therefore, on catastrophe claim could not wipe out the entire fund. ARTHUR J. GALLAGHER & CO. PAYMENT OF COSTS 1. Insurance Premiums and Gallagher Bassett fee are payable as of inception. 2. Losses are payable only as settled or partially settled. ARTHUR J. GALLAGHER & CO. IMPLEMENTATION DATE We propose to implement the Protected Self Insured Plan effective January 15, 1980. We will continue to negotiate favorable excess terms until implementation. ARTHUR J. GALLAGHER & CO. PAYMENT OF COSTS 1. Insurance Premiums and Gallagher Bassett fee are payable as of inception. 2. Losses are payable only as settled or partially settled. ARTHUR J. GALLAGHER & CO. BROADENED PROTECTION PART II ARTHUR J. GALLAGHER & CO. ADDITIONAL COVERAUE SPECIFICATIONS • PROPERTY 1. No Coinsurance Clause or Requirement. Available? Yes 7(X No Add'l Cost I (or%) ' 2. All Risk Replacement to buildings without listing properties. Available? Yes XX No Cost I 3. All Risk Replacement to contents without scheduling values. Available? Yes XX No Cost I 4. All Risk Replacement to structures other than buildings. Available? Yes XX No Cost I 5. Automatic coverage on newly acquired property, including contents, anywhere in the world without notice. Available? Yes XX No Cost I 6. Automatic All Risk Builders Risk, without additional premium. Available? Yes XX No Cost I 7. Buildings and Contents do not have to be replaced to recover replacement cost. Available? Yes XX No Cost I 8. All Risk to include collapse of buildings or parts thereof (except normal settling, shrinkage or expansion) . Available? Yes XX No Add'l Cost I (or %) 9. All Risk to include Flood Damage ($250,000 Annual Aggregate) . Available? Yes XX No Add'l Cost I (or %) 10. All Risk to include loss by freezing whether buildings are occupied or vacant. Available? Yes XX No Cost I NOTE: I = included at no additional cost. ARTHUR J. GALLAGHER & CO. 11. All Risk to include water damage from backing up of sewers and wind driven rain. Available? Yes XX No Add'l Cost I (or%) 12. All Risk to include damage by surface water, waves, tidal wave or spray from any of these. Available? Yes XX No Add'l Cost I (or %) 13. All Risk to include earthquake (at desired occurrence and aggregate limits -- All Properties.) Available? Yes XX No Add'l Cost I (or %) 14. All Risk to include landslide, earth sinking, rising or shifting, mine subsidence. Available? Yes XX No Cost I 15. All Risk to include burglary, robbery, theft and forgery. Available? Yes XX No Cost I 16. Coverage to include all glass and fine arts at all locations, and including loss caused by Vandalism and Malicious Mischief. Available? Yes XX No Add'l Cost I (or %) 17. Replacement to extend to any additional cost for rebuilding or repairing to meet ordinance requirements. Available? Yes XX No Add'l Cost I (or %) 18. Demolition coverage to undamaged portions of building. Available? Yes XX No Add'l Cost I (or 8) 19. Time Element Coverages A) Is the cost to reproduce EDP Media covered? To be negotiated upon request. Yes No XX Add'1 Cost (or 9) B) Is coverage available for loss of tax revenues from various sources other than tax base. Yes No XX Add'l Cost (or %) ARTHUR J. GALLAGHER & CO. ADDITIONAL COVERAGE SPECIFICATIONS CASUALTY 1. Broad form named insured to include all employees and other agencies or directly connected organizations. Available? Yes XX No Cost I 2. All Officials to be included as additional insureds.. Available? Yes XX No Cost I 3. Personal Injury Liability to include Libel, Slander, Defamation of Character, Invasion of Privacy, Wrongful Eviction, Discrimination, Shock and Mental anguish. Delete Employee Exclusion. Include Ad- vertisers Liability. Available? Yes XX No Cost I (or %) 4. Care, Custody and Control coverage. Available? Yes XX No Cost I (or %) 5. Blanket Contractual Liability, without submission of contracts. Available? Yes XX No Cost I 6. Insurance to cover any corporate owned automobile or bus automatically. Additional units insured from acquisition, without additional premium. No schedule of automobiles to be required. Available? Yes XX No Cost I 7. Insurance to cover assured's liability for special events such as parties, bazaars, carnivals or picnics sponsored by County organi- zations without additional premium. Available? Yes XX No Add'l Cost I (or %) 8. Liquor Liability to be included. Host and Sales. Available? Yes No Add'l Cost (or %) •9. Errors and Omissions to be included. Occurrence Basis. Available? Yes No Add'l Cost (or %) Subject to annual aggregate $200,000. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. ARTHUR J. GALLAGHER 8f_ CO. 10. Directors and Officers Liability to be included. All Directors and Officers of County. Public Official Liability subject to Standard Form. Available? Yes XX No Add'l Cost I (or %) 11. Malpractice Liability to be included? (Excluding Hospital Malpractice) Available? Yes XX No Add'l Cost I (or %) 12. No owned aircraft to be included. Available? Yes XX No Add'l Cost I (or %) ALL FORMS FOR GENERAL AND AUTO LIABILITY ARE TO BE SUBMITTED FOR REVIEW. ALL E & 0 AND D & 0 FORMS ARE TO BE SUBMITTED FOR REVIEW. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. ARTHUR J. GALLAGHER & CO. ADDITIONAL COVERAGE SPECIFICATIONS CRIME 1. Broad Form Money and Securities. $100,000 per loss (D.D.&D.) . Available? Yes XX No Add'l Cost 1 2. Employee Fidelity of all employees to be included. $100,000 per occurrence. Available? Yes XX No Add'l Cost 3. Fine Arts Coverage. All Risk per loss. No value scheduling required. Automatic coverage for new acquisitions. Available? Yes XX No Add'l Cost 1 4. Blanket Crime Rating Yes XX No ALL CRIME COVERAGE FORMS ARE TO BE SUBMITTED FOR REVIEW. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL.. ARTHUR J. GALLAGHER & CO. ADDITIONAL SERVICE SPECIFICATIONS A. Please indicate in your figures whether any expenditures by the County are required by the insurance company, i.e. ; Sprinklers, Heat Detectors, Burglar Alarms, etc. (All County propoerties are to be included--no exceptions) . Location and Expenditures Required: NONE B. The County desires a complete detailed appraisal of all buildings specifying the total up to date replacement cost of each building. (This must include all measurements, graphs, and details of all re- construction calculations and photos) . 1. Approximate Initial Cost: $ INCLUDED 2. Approximate Annual Updating: $ INCLUDED 3. Is this appraisal binding upon the insurance carrier: Yes XX No' 4. Company making the appraisal Gallagher Bassett C. Premium Payment Method, (Check suggested plan) . 1. Annual in advance XX 2. Deposit plus installments (% of down payment . Number of installments ) . (% of each installment ) . 3. Monthly Installments ; % of each installment D. Disclosure of commission fee percentages on each policy. Not Available THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. ARTHUR J. GALLAGHER & CO. SERVICE SPECIFICATIONS • The designated agent will be responsible for the following: 1. A detailed appraisal of all buildings. a. Initial Cost: $ INCLUDED b. Annual Up-Dating: $ INCLUDED 2. Handling of all loss adjustments, claim investigations and claim settlements. 3. Submission of monthly claim experience reports in detail including claimant, location, cause, date of loss, paid and reserve amounts. 4. Maintenance of individual claim files which, at all times, are subject to review by the County. 5. Administration of a complete safety and loss prevention program in- cluding annual inspections of all County buildings. 6. Collection of claims against others for damage to covered property and subrogation of liability claims. 7. Periodic communication to County Officials regarding handling of problem areas and updating of loss control programs and techniques. 8. Annual Service Fee? $27,500 How calculated and adjusted? Annual review using cost of living index for area as base. ARTHUR J. GALLAGHER & CO. SERVICES ARTHUR J. GALLAGHER & CO. GALLAGHER BASSETT SERVICES Gallagher Bassett Insurance Service will supervise and administer the Self Insurance Plan of the County in full compliance with all applicable laws, rules and regulations governing the administration of self-insurance, to act as the representative of the County in all matters related to such administration and to perform fully all the below listed functions: 1. Complete marketing of all required excess insurance, including specific excess and/or aggregate excess coverage to be included in the total bid as separate items. To secure further coverage as needed. 2. Make necessary arrangements to qualify the County as a self- insurer in all necessary jurisdictions. Prepare necessary papers and figures for any taxation to be paid by the County relative to self- insurance. 3. Establish and administer a complete risk management program information system for all functions and locations. This means on- the-spot local service by trained professionals working in dose relationship with the County Insurance Representative and other appropriate personnel. 4. Complete handling of all claims, loss adjustments, investigations (with the exception of outside legal fees) and settlements falling within the self-insured retention.. 5. Maintain a claim file for each reported claim, submit monthly experience reports, provide complete accounting for the program which at all times is subject to review.. 6. Recommend claim reserves and provide a continuous review and updating of these to reflect changes. 7. Assist in the collection of claims against others for damage to County property and make recommendations regarding salvage matters. 8. Assist the County in the analysis of claims to prevent future similar occurrences with periodic reports reflecting trends, hazardous areas and recommendations for accident prevention. 9. Coordinate investigations on litigated claims with attorneys ap- proved by the County and with adjusters and attorneys of the Excess Insurance Carrier as required. 10. Be available to consult with the County on any insurance matter and to make available the expertise and experience of the service company staff of professionals to assist in achieving a successful self-insurance program. *11. In the event of cancellation of the contract to perform these services ARTHUR J. GALLAGHER & CO. with the County to see all claims to their final settlement which existed at the time of cancellation, subject to negotiated fee. 12. All sizeable and unusual claims will be reviewed by the Service Company's internal legal staff. *13. Complete formal appraisal of all owned buildings. 14. Provide all personnel necessary to perform the above functions and provide all necessary supplies, forms, posters, films, etcetera, to meet all statutory requirements, and to satisfy the needs as to experience and accountability as required in Item 5. *15. Consistently provide OSHA compliance inspections and comprehen- sive safety engineering services, including at least one comprehen- sive professional inspection of each location for all property, casualty, and crime hazards. Provide additional inspections and engineering services as needed and related to accomplishing Item 3 above. 16. Consult with and refer to The County's Authorized representative on all questionable or contested areas. * Deviations from sepcifications. ARTHUR J. GALLAGHER & CO. AGENCY FACILITIES Our agency offers the County a unique combination of facilities. Through the office of Arthur J. Gallagher & Co., we offer local servicing of day- to-day problems, plus long-range planning and technical assistance by specialists in the area of municipal insurance. Our Gallagher Bassett Insurance Service division is also available to technically assist on loss adjustments, engineering recommendations and appraisals. The personnel of our company span three generations of qualified insurance consulting agents. As respects your insurance program: 1. We negotiate all insurance costs and issue all insurance policies. 2. We prepare an annual report including a detailed schedule of insurance, a cumulative premium and loss history and observations on possible changes in risk management for the County. 3. We offer assistance in risk analysis. a. Identification of exposures b. Proper use of self-insurance or deductibles c. Transfer of risks 4. We share with you the knowledge gained in serving over a hundred municipal accounts. 5. In today's market, we provide knowledgeable information on available markets and how they can best be utilized. ARTHUR J. GALLAGHER & CO. LOSS PREVENTION SERVICES 1. A planning meeting with the Safety Coordinator to establish the course of Loss Prevention Services. 2. Evaluation of the current Loss Prevention activities to define the strengths and needs of the existing program. 3. Agree on an approach with the Safety Coordinator that will be most effective for the County. 4. Orientation of the major operating departments to the specific approach. 5. Development of accountability and monitoring methods, with the Safety Coordinator that will insure effective implementation of the program. 6. Assist in identifying and developing control methods for high cost and high frequency loss problems. ARTHUR J. GALLAGHER & CO. SAMPLE RISK MANAGEMENT INFORMATION DATA ARTHUR J. GALLAGHER & C01. . 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Mirelez Bob Briggs ARTHUR J. GALLAGHER & CO. FORWARD The Adams County Safety Program represents a practical commitment to safety. It sets forth philosophy and policy goals, organizational authority, safety program directives, and methods of prevention. The full implementation of the safety program is required of all employees at every level of the organization. The responsibilities outlined in the program are the minimum and should in no way be construed to limit individual initiative to implement more comprehensive procedures in an effort to reduce County losses. Table of Contents • ARTHUR J. GALLPAGe lR & CO. CHAPTER 1 Page 1 Safety Program Statement Page 1 Purpose Page 1 Concept Page 1 CHAPTER 2 Page 1 Management Participation Page 1 Implementation of Program Page 1 Safety Committee Page 2 Departmental Safety Committee Page 3 CHAPTER 3 Page 3 Safety Program Responsibilities Page 3 Safety Director Page 4 Department Heads Page 4 Supervisory Personnel Page 4 Employees Page 5 CHAPTER 4 Page 5 Safety Program Methods Page 5 Safety Inspections Page 6 Job Safety Training Page 6 Accident Investigation and Reporting Page 7 Safety Discipline Page 7 CHAPTER 5 Occupational Illness and Injury Control Page 7 Page 7 Physical Fitness Page 8 First Aid Page 8 Medical Treatment Page 8 Interaction of Medication Page 8 Intoxication Page 8 Employment During Absence Page 8 Personal Protective Equipment Page 8 Proper Dress Page 9 CHAPTER 6 Page 9 Recordkeepang Page 9 Employee Files Page 9 Safety Committee Meeting Minutes Page 9 Inspections • CHAPTER 7 ,ARTHUR J, GALL k1UR & CO. Fleet Safety Page 10 Driver Selection Page 10 Preventive Maintenance Page 10 • CHAPTER 8 Page 10 Fire Safety Preparedness Page 10 CHAPTER 9 Page 11 General Safety Rules Page 11 CHAPTER 10 Page 12 Program Approval Page 12 INCLOSURES 1. SAFETY COMMITTEE AGENDA 2. SAFETY COMMITTEE MINUTES FORMAT 3. OFFICERS AND DUTIES 4. JOB SAFETY ANALYSIS 5. SAFETY CHECK LIST 6. PERSONNEL INJURY/ACCIDENT REPORTING SYSTEM 7. VEHICLE ACCIDENT REPORTING SYSTEM OTHER THAN SHERIFF 8. VEHICLE ACCIDENT REPORTING SYSTEM SHERIFF 9. ROAD TEST 10. FIRE INSPECTION CHECK LIST Chapter 1 ARTHUR J. GALLAGHER & CO. SAFETY PROGRAM STATEMENT PURPOSE The Board of County Commissioners believes the safety of our employees is a vital consideration in the operation of our shops, offices, vehicles and facilities. Maintenance of safe and healthful working conditions, and the development of safe operating procedures including the organization and execution of a continuing accident prevention program is the responsibility of management at all levels. Adams County will implement, and administer an all-encompassing safety program. In all of our assignments, the health and safety of all will be the first consideration. Department heads and supervisory personnel at all levels of the County work force are directed to make safety a matter of continuing concern, equal in importance to all other operational considerations. This program is established to emphasize that an effective safety program is an integral part of management pro- cedures designed to fully utilize County capital and personnel. The County goal is to insure maximum use of each tax dollar available. CONCEPT Within the operational activities of any endeavor, there may be exposure to personal injury or property damage that may be unintentionally hidden. Reviews of contemplated operations will include consideration of errors or improper actions which could occur. Accidents are un- planned events. Proper planning and training can control accidents. Most accidents are preventable. The purpose of a safety program is to initiate such pre-planning as is necessary to minimize unsafe acts, contain environmental hazards and control unsafe conditions. Continual emphasis on safety aspects, the refinement of work procedures, and safe working conditions has been shown to reduce significantly potential injuries, property damage, and work interruption. Every, elected official, management official, and employee is charged with the responsibility of supporting and cooperating with the safety program outlined in this document. All employees are expected, as a condition of employment, to adopt the concept that the safe way to perform a task is the most efficient and the only acceptable way to perform it. Safety adherance and performance will be considered as an important measure of supervisory and employee performance evaluation. Chapter 2 MANAGEMENT PARTICIPATION IMPLEMENTATION OF PROGRAM Management's commitment to safety can only be realized by active management involvement in the safety program. Individual responsibilities in the effective implementation of the safety program are outlined in Chapter 3. With the adoption of this program, each department will set forth its goals and objectives in striving toward reducing losses due to preventable accidents. Page 1 SAFETY CHECKLIST ARTHUR J. GALLAGHER & CO. Location: Date: Inspected by: Inspection Started: AM PM Inspection Completed: AM PM Yes No N/A Remarks 1. EXTERIOR INSPECTION a. Parking lot pavement in good condition. b. Bumper guards (if any) in good condition. c. Ample drains for water removal. d. Visible parking and walkway markings. e. All curbs in good condition. 2. ENTRANCE AREA • a. Ramps,where necessary,and in good repair. b. Stairs in good repair. c. Handrails,where necessary. d. Doorways wide enough for wheelchairs,etc. e. Lighting adequate. f. Non-slip surfaces at all entrances. 3. INTERIOR a. All hallways free of storage. b. Hallways mopped one-half at a time,with employees using ropes and stanchion. e. All floors free of small objects. d. Approved ladders and stools provided,as necessary. e. Hallway and stairway railings secure. f. All stairway treads and nosings in good condition. g. All fixture wiring arranged to avoid tripping hazards. h. Shower and lavatory floors checked each shift. i. Kitchen and lunchroom floors checked each shift. INCL 5 ARTHUR J..GALLAGHER & CO. GALLAGHER I ASSETT INSl. 1RANO SERVICE • October 31, 1977 Charles Carroll, Safety Coordinator Utilities Department City of Aurora 1470 South Havana Aurora, Colorado 80012 • Re: Loss Prevention visit, October 26, 1977. Dear Charlie: We enjoyed our discussion on lose prevention efforts and progrses within your department. Under separate cover we will send you safety incentive programs that have been successful which you can use as a guide. The supervisor accident investigation report we discussed can be incorporated into your safety program. We will be glad to offer training in the use of this report. The follc.'ing topics were discussed: 1) Tailgate talks presented by your supervisors. 2) Liability exposures and controls at reservoirs. 3) Driver and equip:lent qualification programs including Motor Vehicle Record check (1N1t) pre-employment and periodic driver physicals. 4) Defensive Driving Course for all qualified department drivers. 5) Qualified first aid instruction for department employees. Your safety experience will be a valuable asset in the development of a loss prevention program. W:: look forward to meeting with you in the neat six weeks. Best Regarde, 12-44,(244- Mark Edwards, CSP cc: Robert. Semple, City Manager Chuck Wemlingcr, Director Utilities department I 'nld.i11 I .ill:, Lead::I•I :I' _ ! ... . . ...i... I I ..e. • :n . ,•I (. • W1.sA,.%ij„5.Li`i ..i - CODF `Is INSURANCE SERVICE). GALLAGHER & CO. assett RISK IMPROVEMENT REPORT PARISH St. Anthony of Padua DATE OF INSPECTION 7/25/75 • PASTOR Rev. Hilary Gottbrath Dennis P. Reardon LOCATION 300 N. Sherwood ACCOMPANIED BY Clarksville, IN Brother Daninick BUILDINGS INSPECTED CHURCH I X I RECTORY I X I GRADE SCHOOL I X I GARAGE I X I • CONVENT I X I HIGH SCHOOL I I St. Vincent De Paul Hse. School Annex Scout House Gym NEW CONSTRUCTION OR ALTERATIONS New a1rID nip i n rectory CONDITION OF EXTERIOR PREMISES Good except scout house. REMARKS COPY OF REPORT Janes Toner - A.J.G. Oa. - Chicago .RISK IMPROVEMENT REPORT ( AFETY SUGGESTIONS- NEW AND PENDING 'k ARTHUR J. GALLAGHER & CO. RECCtOtENDATIONS 75-7-1 The baso-stat on the church boiler should be fastened to the boilftr she)1 or a new flame failure device should be provided. 75-7-. Provide two 21 gallon pressurized water extinguishers for this building. r ST. VJCNT DE PAUL HOUSE 75-7-2 Remove storage from furnace roan. 75-7-4 Remove 20 and 30 anper fuses now in use and replace with 15 wiper fuses. 75-7- No Slinking should be allowed in this building. Cigarette butts were found in a carAhoard carton during this inspection. 75-7- No sinking should be allowed in the garage sale area. 75-7- One approved ABC type extinguisher should be provided in the two large sections of the garage area. • SCHOD1 ANNEX 75-7-8 Remove the old soda acid type extinguisher fran the annex attic area and this extinguisher should be emptied by removing the top and taking out the soda acid charge. 75-7-$ Housekeeping should be improved throughout the attic area. 75-7-10 Illuminated exit signs should be provided in this building. GYM BL II.DTNG 75-7-41 Free up the northwest exit door so that it opens easily. 75-7-12 Provide approved 21 gallon pressurized water type extinguishers in the man area. 75-7-13 _ Housekeeping should be inwroved on the stage area in the basement hall • section. SCHOOL BUILDING 75-7-14 The school chimney should be tuckpointed and repaired as necessary. •mna••• S 15O•B? ac:,u....'n.. V V✓l 'RISK IMPROVEMENT REPORT ARTHUR J. GALLAGHER & CO. .oAFETY SUGGESTIONS — NEW AND PENDING * 75-7-:5 Remove the 30 amper fuses now in use and replace with 15 amp fuses. If the 15 amp fuses do not hold then consideration should be given to re- ( wiring the building as necazy. 75-7- 6 Safety glass should be provided on the front of the school troPhv case. 75-7-.7 An approved safety can slould_be providesfor the duplicating fluid in the office area and the plastic bottle with a rounded bottan should be discarded. 75-7-'8 Consideration should begiven to replacing_the soda s id type extinguishers now in use in the school and school annex with 211 gallon pressurized water extinguishers. The soda acid type extinguis are obsolete. 75-7-:9 Consideration should be given to painting the combustible ceiling tile and plywood walls in the school building with a flameretardant paint. 75-7-20 One half inch screening should be provided around the large open.guards of the floor fans. CONVERT 75-7-21 Two sheets of 5/8 inch dry wall should be provided on the backs of the doors for the linen shuts. 75-7- 2 One 21 gallon pressurized water extinguisher should be provided on the second floor of this building. RECTO 75-7-23 The carpeting on the stairwells should be replaced where necessary. Caret nosings are wearing and a tripping hazard exits. 75-7-24 Replace the old soda acid extinguisher in the rectory recreation roan with an approved 5 pound ABC type ext ;Sher t GENERAL RECCMMENDATIONS 75-7-25 The local government authorities should be petitioned for the installa- tion of a fire hydrant at a point closer to the church and rectory. The nearest hydrant is now located approximately 500 feet fran the rec.- ( tory and more then 550 feet fran the church. • SCOOT BOILING 75-7-26 Improve housekeeping throughout. ( 75-7-27 Provide an approved 5 lb. ABC type extinguisher. t 75-7-28 Doors should be rehung and made to open out if the total number of occupants exceeds 50 at any given time. ( I. seaur Cl Kr, "In n ARTHUR J. GALLAGHER & CO. SAMPLE APPRAISALS ARTHUR J. GALLAGHER & CO. • • GALLAGHER BASSETT INSURANCE SERVICE APPRAISAL • Date )(arch. 1977 Name All Saints Code D-2 • Location Denver, C0 • Church Replacement Cost • 1 equals 2 story solid brick, 1/3 base- $ 754,395 sent, tar and gravel roof. • Rectory 2 story frame, brick veneer, 1i basement, 154,275 asphalt shingle roof. School and Hall 1 and 2 story solid brick, no basement - one 752,495 story partially below grade, flat roof. Convent 2 story solid brick and 1 story attached 292,215 chapel, full finished basement, asphalt • shingle roof. Other Buildings Youth Center - 2560 S. Grove Street - 1(S story 38.065 stucco and brick. no basement, asphalt shingle • roof. tiv'elling — 255 S. Basel Court — 11/4 story frame, 19,975 wood siding. no basement, asphalt shingle roof. • Total $ 2,011,420 . i I Z . . ii . : . Iii . • . ii . ! I - • mans caner. : i . • • • lailic 4......4, I . : 1 . • • 3/ate _ -- • _ .... . - . I i.. I 1:14i11. I • II w ; VA . . I. , . . a. . . . . t 10 . A 04 141. l - I X 14i • • ,„ 1 � : I I. 1 , . . .py8 jea i , • , , I : - . . , I i 1 . ' I 'I 17.--H t D12.d3i-ID.V1-1VDT gThileili:. .M+u pd 447 pansy 4.1 tial , i , . , i i s , I i � i . i , i l �. , { . ARTHUR J. GALLAGHER & CO. ADDITIONAL CONSIDERATIONS ARTHUR J. GALLAGHER & CO. OPTIONAL LIMITS Excess Casualty We have an indication to increase the Automobile and General Liability limits to $5,000,000 per occurrence for $21,000 annually. Public Official We have a quote to increase the Public Official Liability to $5,000,000 for $6,529 annually. ARTHUR J. GALLAGHER & CO. WORKER'S COMPENSATION ARTHUR J. GALLAGHER & CO. WORKER'S COMPENSATION SELF-INSURED STATUS Upon implementation of the program, we will immediately assist the County in obtaining a self-insured status from the Colorado Monopolistic State Fund. We have had successful experience in qualifying other clients within your State. ARTHUR J. GALLAGHER & CO. BOILER AND MACHINERY • ARTHUR J. GALLAGHER & CO. BOILER AND MACHINERY Since Boiler and Machinery is written as a companion to the Protected Self Insurance Plan in our special boiler program, we recommend that we request bids from four carriers who have demonstrated capability for servicing County clients. Kemper Royal Globe Allendale Hartford Steam Boiler ARTHUR J. GALLAGHER & CO. CASH FLOW ARTHUR J. GALLAGHER & CO. CASH FLOW The cash flow advantages available under a Self Insurance Program can generate significant additional savings to the County. Under a Self Insurance Program, all losses are paid from the County's Loss Fund. This fund need not be deposited as escrow in any bank but can be retained within the County as working capital. All that is required is that when losses are due and payable, sufficient funds be made available to dispose of them. Usually, a small account (normally $5,000 to $10,000) is maintained in a local bank from which the small day to day claims are paid. Under an Insurance Program, when a loss is incurred, the total amount of the eventual loss payment is estimated and established as a reserve. This amount is charged against the insured in the year the loss is incurred even though the money may not be paid out for a period of years. In fact, the length of the payout period is surprising. In most states, for example, estimates are that for a loss incurred in one year, the average cash paid out is 30% during the first year 30% during the second year, 18% during the third year, 12% in the fourth year, and 10% in the fifth. ARTHUR J. GALLAGHER & CO. HIGHER SELF-INSURED RETENTIONS ARTHUR J. GALLAGHER & CO. HIGHER SELF-INSURED RETENTIONS The ultimate goal of the Protected Self-Insurance Program is to contain and reduce long term costs. As the program matures, the combination of loss control, loss prevention, proper funding, and broad catastrophe coverage reduces exposure and allows increases in the self-insured retention, which in turn reduces the cost of the excess insurance. ARTHUR J. GALLAGHER & CO. SUPPORTING ARTICLES r r - e Tt �, GA '.. HER : e - , 1 - _ RVICE I _______ Y` ART 3-'i. GALLAGHER : 0. • y' k; yam+^'" .)`tc. �._ >_. { yf+ _ ,- _r :b�e.-W.^:+.. y--F tr- .. [ ..-- I_ Public Risk and Insurance Management Association (PRIMA) , Vol. 1, No. 12 November 1979 The biggest surprise to some member govern- A c. . .ate a `7.> r> - ments according to Avang, was the fact that a .�e� r . PDva 4net 4--4,c�' ss; need was felt for a full-time risk manager ( s . �- „ .,fr,t i ,� 4_ "+j' °s T' to administer the pool after only six months in operation. IRMA is presently conducting a ¢ search for a candidate and hopes to have the position filled by January. The administrator/ risk manager will coordinate all the activities t Suburban Chicago Pool Nears of IRMA, assess the pool's'perfonnance to see First Year Mark how it's working, and generally provide the necessary management for an operation of this magnitude. The Intergovernmental Risk Management Agency (IRMA) will mark its first birthday on i January 1, 1980, with an expected 30% to 35% I savings in total insurance costs for each member • C city, according to Steve Avang, who has been serving as secretariat for the organization. • This was the projected savings when IRMA was • established by a group of suburban Chicago municipalities as one of the first pools to provide a municipal insurance package that included property, general liability, and workers compensation coverages. The pool is structured so that each city pays the first $1,000 of any claim and the next $250,000 in coverage per occurrence is covered by funds in the self-insurance pool. Avang said that third quarter figures showed that • this deductible - claims under $1,000 - was 4. higher than anticipated which may be in part l due to improved record keeping by the cities. However, the losses paid through the self- ' insured pool (any claim over $1 ,000 up to i $250,000) are about $150,000 less than expected. E IRMA does not expect to add coverages in • the coming year; however, five more cities - ` Wheeling, La Grange, Glencoe, Woodridge, and • Villapark - will join the pool starting in • January. Avang said that IRMA will only accept • 1 cities as members at this time. Municipal revenues are used as the basis for assigning the costs to member communities which makes it un- , economical for certain types of governments to join. -il 18 ' _�, ss ml � g. Cl) IS H R gALLAGHER & CO. $$ �l$,! (1) 9 ;hi co _,,,,,qat,... f. 1 . ..41 cc. g.1 1AI ar, Ile R . si:li �7 L _ 9 s s� 1 r-1 ■s b m"ngs • in m is lilPect i 8 11112 A . ..... w 11 ti ai •114 i ez I ... iii 'H Ian, I '� 111$111 'inv� 3 $13`41,4J imlal 4 f—i illaP W s» rmq 1, e lqiie O 1.41 =igkai #111 w l ago #111111 n L I 5 Y �J" M� ai a m lit I y § 84 r ? .° F s y " ui �4 1 Al g w 3 l z ;aid gg g _ , 4, 2C�� . ' w = ..c 2 t O4 ici I-E5 co2 , kle w py -1. tal .p .,.,„<2, -*-1, D -441 3'a h i-jai ;Aw al Oh i NEAP —4: - '.i.• ,::k°1114111 "tit .'Y 10%.4 ,�a�y�� R Y - yak 'qpO tWy 1 py4 all la Y -t4VZ t 13 lig.:: kat ! 4.‘ : ; .:,,,H,. 14::V c76.0 i gen' .§ i 4. , ,. ri et " � " a bCC r Ma 28 egg l ;i co v �" a z i ii r J . .. v . t '\( iflG31I!: U] cz ":she 1 ',-h =+ ',,e..•. ..4""a,toat crw fi'7 I=Wit,- - Results of a Municipal ARTHUR J. GALLAGHER & CO. Risk Management Audit t As the practicality of risk management self-insurance(with no excess)on street will the step require more administra- is realized by governmental bodies, and sidewalk claims.The City had self- five and/or safety personnel? Will it many find that a risk management insured workers' compensation and is impose more processing costs? What audit is a valuable tool for assessing a now considering the purchase of excess will be the impact on the law office — current program and designing a workers'compensation coverage. will it mean engaging additional out- framework for further growth and im- While the Gallagher bid offered broad- side legal counsel for settling self-in- rovement. sured claims?" Certainly, these ques- p er and less expensive coverage than bons as well as others which may relate The City of Norwalk, Connecticut re- that offered by the two other bidders, to specific governmental bodies must cently concluded its first such audit. It considerable controversy arose regard- be identified and answered so that the included identification of Norwalk's ing the wisdom of self-insuring losses. true costs and benefits of a risk man- major exposures to accidental loss, The opposition called the new risk agement program can be gauged. evaluation of the degree of "risk" in management efforts a "crap shoot these loss exposures, review of its risk and a "game of chance not in the best The actual benefits of a risk manage- control efforts, analysis of its methods interest of the City," in reference to ment audit may not always include of financing risk and review of its risk the possibility that several large losses projected savings of$100,000,as in the administration structure. Following in a fiscal year would wipe out the esti- case of the City of Norwalk. However, the audit, Norwalk also had its inde- mated savings. In reply to the opposi- the insight a governmental entity gains pendent consultant prepare insurance tion often voiced by agents in a com- regarding the use of risk management specifications for competitive bidding munity which is examining the possibil- tools to reduce the frequency and se- among three selected agents. Accord- ities of self-insurance, Miller corn- verity of losses,as well as to determine ing to Jack Miller,Budget Coordinator mented, "1 would encourage others in- how the current program measures up for the City of Norwalk, "The City's terested in risk management to exam- to certain standards, should serve as introduction to risk management was ine the ties that typically exist between the impetus for a periodic risk manage- more inspired by providence than by a community government and its local ment audit. The success of risk man- any clever management design. First, insurance businesses. Such ties have agement, like all other forms of man- we had to retain almost all workers' probably outlived their original useful- agement, is dependent upon imple- compensation losses when convention- ness but the relationships are so deeply mentation, performance review and al insurance became unavailable except rooted that separation becomes a pain- evaluation,and "fine tuning." ■ at prohibitive costs. Then, in order to ful experience." Although there is a put a break on the spiraling costs and possibility of several large losses occur- dwindling markets for general liability ring in one year, the consultant be- and property coverages, the City lieved the probability was remote sought higher levels of self-insurance in enough for the City to accept the risk ' ri these areas. Now, these actions have The consultant also pointed out that caught up with the City, forcing it to Gallagher's annual aggregate limit put recognize and make anticipatory use of a maximum cap on self-insured losses. the formidable tools available through The final determinant in the debate the risk management discipline." was that Gallagher's bid provided li- ability coverage for street and side- The end result of the four and one-half CALENDAR walk-relaied claims, an area previously month review and bid process was a de- totally self-insured. Based on this in- sign for a totally new risk management formation and supported by projected program to begin to control losses and cost savings and broader coverage, the PRIMA Conference: The Public Risk tose increase e.substantially the level of Gallagher proposal was accepted by and Insurance Management Associ- will reduced e. Insurance yb premiums0, the Finance Committee and Common ation will hold its first National Con- will also be by about$180,000, Council. ference in Memphis, Tennessee, June with net savings of approximately 22-25, 1980. $100,000 after estimated retained The success of the City's new program losses. will depend on its efforts to develop The main goal for this first conference The key audit recommendation, ac- further a formal risk management pro- is to bring together public risk, insur- cepted by Norwalk's Council, was the gram. An aggressive program involv- ance and safety managers from every retention of more risk by self-insuring ing high-level retention can result in section of the country to share their the first $100,000 of any loss. The ac- savings,but it needs administrative co- risk management problems and discuss cepted bid, which was submitted by ordination and good loss-prevention solutions that have been successful. Arthur J. Gallagher & Company activities. Workshops and panel discussions are through its White Plains, New York Now that Norwalk has taken the step being set up for those people new to office,provided a combined single-lim- and committed itself to risk manage- risk management programs as well as it retention of$100,000 per occurrence ment, Miller believes that "Before em- for the seasoned practitioner. For fur- and $450,000 annual aggregate. Nor- barking on a self-insurance program, 1 ther information, contact PRIMA walk previously had a $50,000 deduct- would urge my colleagues to be certain headquarters, 1101 Connecticut Ave ible for property losses, no deductible that they have identified all costs and nue, NW, Suite 10009, Washington, for insured liability losses, and full benefits of such action. For example, DC 20036,2O2/293-1892. ■ basic plan, subject to a combined 100% of allowable expenses. An iadi- maximum program g25,000. There is also an v dkA�a�tyrtd Surat l�egseC� optional ro ram for retired em•. oak" i bF2 b [t1 e • ployees. For all employees that become whose major medical coverage ends totally disabled before age 60, term in- through termination of employment. - • surance will be continued at no cost Application for an individual policy I during the period of total disability. must be made within 31 days of ter- L Within 3I days of termination of em- mination.. ployment, an employee may change to The TML plan, which has enrolled ,e1. any of Prudential's individual life poli- more than SO cities in Texas, will be `-: cies without furnishing evidence of +•' controlled by a Board of Trustees. good health. Plan participants will obviously benefit Accidental death and dismemberment by having more "clout" with insurers Texas League Uniform insurance is available through the same when negotiating for health insurance Group Insurance Plan five plans offered for term life insur- protection. cities access to high- ance. Again,an optional supplement is Additional information on this pro- Texas exsy y now have a, life and toac high- available to employees, but only if op- gram can be obtained by contacting qinsurance coverage by participating in tional term life insurance is selected. Bill Martin, Assistant Director, TML, No coverage is available to retired 1020 Southwest Tower, Austin, Texas the Texas Municipal League's (TML) employees. 78701,512/478-6601. ■ Uniform Group Insurance Plan. The plan, which began May I, 1979, is the A third portion of the TML's program result of an I8-month study of health is personal accident insurance. Avail- Risk Alert: Police Pursuit and life insurance experience of TML able to employees at the option of the members. The competitively priced governmental body, employees may Policy program is serviced by Prudential,who select insurance in multiples of $5,000 The probability that high-speed pursuit was awarded the contract following a with a minimum of $10,000 and a of suspects by police officers will result competitive bidding process supervised maximum of $100,000. Coverages for in damage to property and/or injury to by TML. a spouse and children are 50%and 5% individuals is an excellent reason for Participation is open to any Texas city of the employee's insurance, respect establishing a "no pursuit policy" in P P lively. with at least two full-time employees the police or sheriff department. This where the city is responsible for pay- The major medical insurance is offered risk control technique may make your ment of their insurance premiums. The through three plans to fit a city's size, political subdivision more appealing to TML requires that a city enroll all eli- budget limitations and employee ex- insurance underwriters from both the gible employees in order to spread risk pectations as well as Texas' diverse property and casualty standpoints. A and minimize adverse selection, as no medical service market. Benefits are recent Missouri case pointed up the im- medical exam is required. Dependent, paid to the employee on the basis of portance of such a policy when the elected city officials and retired city charges considered reasonable for State Supreme Court held that a jury employees may also be covered. The medical services in the city's region, had the right to assess damages against exclusion for preexisting injury or sick- Correspondingly, the rate structure re- police officers involved in a chase that ness does not apply for cities with more fleets cost variations in different re- resulted in the death of a bystander. than 50 employees if prior coverage is gions of the state. The jury awarded $20,000 in damages • in force at the date the city transfers to to be paid by the policemen and the the TML Plan. For municipalities with Plan A of the major medical coverage subject they were pursuing. ■ fewer than 50 employees, a "preexist- features a $250,000 overall life maxi- ing condition" exclusion applies for mum benefit for the employee and "-"°' ° - any sickness or injury which has caused each dependent, and pays 80% of the medical expenses during the 90 days first $5,000 of expenses and 100% before coverage takes effect. All em- above 55,000 during a calendar year. ployees who do not enroll within 31 There is a $200 annual deductible per days after they are first eligible are re- individual and a $400 annual family quired to furnish evidence of good aggregate deductible. Plan B has a health. S1,000,000 lifetime maximum and pays The term life insurance program feat 80% of the first $2,500 of expenses. It lures five different plans,two of which features a $100 annual deductible per provide fixed dollar amounts for all individual and $300 family aggregate employees. Another plan provides in- deductible. Plan C also offers $1,000,- creased limits for certain classes of em- 000 overall lifetime maximum benefits, ployees, and two plans base the limits but pays 100% of the first $250,000 of on either 100% or 200% of annual hospital bills and 80% of the excess. ` earnings, subject to a $25,000 maxi- The deductibles are the same as Plan B Governmental mum. Employees over age 70 receive except they do not apply to hospital Risk 30% of the selected plan's benefits. bills. Political subdivisions may choose to TML's plan includes a nonprofit provi- Management participate in an optional plan which sion, coordinating it with other plans employees may use to supplement the so that total benefits never exceed Reports ARTHUR J. GALLAGHER & CO. SALES AND SEI1Vri9L9FjFICFS G o I-IFR R, rn ., W45,i,z..... / TM�T4NA•'�•.... N'• •`.` I I NOaTN D%x0T% •.w• _ ;MINNESOTA•••\•• oeeo0 ` I • 404, ID4N0‘ I .`. • : • iMICHIGAN t'/1% ISWM04x0r4 ,WISCOH6IN't ,N 4 A f l WYOMING '� I? %NEx4Og1•.. I 1 __b, •roan • I I L._ i RA �• �I •• I VENN6YlvxNll. I. ( Te:06 - ••L-_- ,1 IND•MTONb • • • •L I 1 F,—.�.�. I ILLINOIS I I • I' ..i TE. • 1 • ',iN's7s�'—.---.1 ssouRl . • I /w.vN�'•/•J•, h., • %.% I I I /I. �. Y• fr• • SCOTLAND xENTUONY VII�. • �• ( INEW ME 1- I 4.1 _.1-•• rvpNRouNA - • ; I SE%9$ •10NUNOM4 �RBANSAS i..WINESBf� .fir• )I• /:) • / • I I. I r• ?AL/.BAM GEOROI>\S AROLINP. ..', _ I I \ -�. i NI f I 1 •�' I. _•.�i •r�.�.�., • ILOUISIxrv ) 1 ,� ENGLAND •� \ ,Nlss„Irrl• �.ORIOS •-•--�% WALES i / l•� 1 N • •• WS '� a �a BERMUDA SALES OFFICES Milwaukee Bridgeport Detroit Arthur J.Gallagher 8 Co.—Milwaukee Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Chicago Mayfair Bank Tower 4695 Main Street 24400 Northwestern Highway Arthur J.Gallagher 8 Co. 2300 North Mayfair Road Bridgeport.Connecticut 06606 Southfield,Michigan 48075 Gould Center Milwaukee,Wisconsin 53226 203/372-4506 313/352-1062 Golf Road 414/257-3131 Burlington Dubuque Rolling Meadows.Illinois 60008 New York Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service 312/640-8500 Arthur J.Gallagher 8 Ca—New York 351 North Avenue Fischer Building.Room 668 Telex' 72-6379 7 Corporate Park Drive Burlington,Vermont 05401 Dubuque,Iowa 52001 Cleveland Cross Westchester Corporate Park 802/862-4100 319/556-5330 Arthur J.Gallagher 8 Co. White Plains,New York 10604 • Camden Erie Ohio Agency.Inc. lex'1914/694-9230 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Suite2900 Cedar Road Telex'13-1645 Two Executive Campus Park Place West Suite 630 Sacramento Route 70 8 Cuthbert Blvd. 1567 West 38th Street Cleveland,Ohio 44124 Arthur J.Gallagher&Co.—Sacramento Cherry Hill,New Jersey 08002 Erie,Pennsylvania 18508 218/44&88 300 PO.Box 254917 809/6854474 814/888-4858 Dallas 1451 River Park Cincinnati Evansville J.Frank Holt il Co. Sacramento,California 95825 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Dallas,111 Mercantile Continental Bldg. Telex:37-7328 8075 Reading Road 125 N.W.Fourth Street Texas 75201 Telex: Cincinnati,Ohio 45237 Evansville,Indiana 47708 214/748-9591 SI.Louis 513/94S-1150 812/422-1040 Twx:910-861-4321 Arthur J.Gallagher 8 Co.—St.Louis Denver 7710 Carondelet Clearwater Fert Myers Arthur J.Gallagher 8 Co.—Denver St.Louis,Missouri 63105 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Colorado Club Building 314/726-1343 3118 Gulf to Bay Blvd..Suite 120 2180 West First Street,Suite 217 .4155 Jewell Avenue Telex:44-2309 Clearwater,Florida 33516 Fort Myers,Florida 33901 Denver.Colorado 80222 813/725.5510 813/334-3333 303/ ≤s a020 SERVICE OFFICES Columbus Fort Walton Beach Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Downers Grove,Illinois Chicago 3040 Riverside Dr.,Suite 221 102 Driftwood,Suite 5 Mocha)Agency Gallagher Bassett Insurance Service Columbus,Ohio 43212 Fort Walton Beach,Florida 32548 4900 Main Street Gould Center 814/488-1828 904/244-0363 PO.Box 579 Golf Road Corpus Christi Fresno Downers Grove.Illinois 60515 Rolling Meadows.Illinois 80008 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service 392/968-0333 312/640-8555 1800 S.Staples.Room 406 5588 N.Palm Avenue Twx:910-695-3529 Chkego Metropolitan Corpus Christi.Texas 75404 Fresno,California 93704 Los Angeles Gallagher Bassett Insurance Service 512/884.3441 209/431-9520 Arthur J.Gallagher 8 Co.—Los Angeles 228 N.LaSalle,Suite 1318 Gallas Greensburg/Pittsburgh Suite 840 Chicago.Illinois 80601 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service 4605 Lankershim Blvd. 312/346-8736 MercaMlle-Continental Bldg.,Suite 1112 Suite 204,Parkvale Building North Hollywood,California 91602 µbarly 1810 Commerce St. Monroeville,Pennsylvania 15146 213/985-3327 Gallagher Bassett of New York,Inc. Dallas,Texas 75201 412/243-1100(Pittsburgh) Telex:66-2449 1215 Western Avenue 214/742-6341 412/836-3247(Greensburg) Miami Albany,New York 12203 Denver Greenville Arthur J.Gallagher 8 Co.—Miami 518/482-8938 Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service .Koper Executive Center Albuquerque Colorado Club Building Suite 418,Green Gate Office Park 8355 N.W 53rd Street.Suite 215 Gallagher Bassett Insurance Service 4155 Jewell Avenue Greenville.South Caroline 29607 Miami,Florida 33166 6400 Uptown Blvd..N.E. Denver,Colorado 80222 803/233.5351 305/592-8080 Albuquerque,New Mexico 87110 303/75&9040 Telex:51-8797 505/883-5724 Harrisburg Mobile Richmond Syracuse Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Gallagher Bassett of New York.Inc. 355 North 21st Vest,Suite 108 First Southern Tower 5623 Lakeside Avenue 300 Tulip Street.Room 35 Camp Hill,Pennsylvania 17011 Mobile,Alabama 38806 Richmond,Virginia 23228 Liverpool.New York 13088 717/7614368 205/476-8438 804/2644045 ARTHURTL461TLAGHER & CO. Hartford Nashville Rochester Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service Gallagher Bassett of New York,Inc. Gallagher Bassett Insurance Service 81 South MMMn Street 1040 Murfreesboro Road 130 Aliens Creek Road 5552 Southwick Blvd.,Suite F West Hartford,Connecticut 06107 Suite 217 Rochester.New York 14818 Toledo.Ohio 43614 203/249-5277 Nashville.Tennessee 37217 716/442-4890 419/865-8821 615/366-4175 Washington,D.C. Indlenspolla Rockville Centre Gallagher Bassett Insurance Service Newark Gallagher Bassett of New York,Inc, Gallagher Bassett Insurance Service 6100 N.Keystone Gallagher Bassett Insurance Service 100 Ring Road West 4340 East-Nest Highway Indianapolis.Indiana 46220 Park 80 Plaza West Garden City,New York 11530 Suite 505 317/545-6229 Saddle Brook,New Jersey 07862 516/741-0005 Washington,D.C.20014 Kensas Chy/SI.Joseph 201/3869422 Baorsmento 301/656-3575 Gallagher Bassett Insurance Service New York Clly Gallagher Bassett Insurance Service West Palm Beech 4420 Madison Gallagher Bassett of New York.Inc. PO.Box 254917 Gallagher Bassett Insurance Service Kansas City.Missouri 64111 7 Corporate Park Drive 1451 River Park 2300 Palm Beach Lakes Boulevard 816/561-4406 Cross Westchester Corporate Park Sacramento,California 95825 Suite 104 White Plains.New York 10604 916/929-7581 Nest Palm Beach,Florida 33409 LaGallagheruk914/694-9222 305/886-9200 hher Bassett Insurance Service 212/863-8460 St-Louis 505 North Capitol Avenue Gallagher Bassett Insurance Service wheeling Lansing.Michigan 48933 Ogdensburg 7710 Carondelet Gallagher Bassett Insurance Service 517/372-7334 Gallagher Bassett of New York,Inc. St.Louis.Missouri 63105 1027 Hawley Building Saran Memorial Building 314/7261343 Meeting,West Virginia 26003 Los Angeles 604 Washington Street 304/232-3030 Gallagher Bassett Insurance Service Ogdensburg,New York 13689 San Antonio 'Mona 840 315/393-0441,0442 Gallagher Bassett Insurance Service 4605 Lankershim Blvd. 1800 Northeast Loop 410 Gallagher Bassett Insurance Service North Hollywood,California 91602 Orlando San Antonio,Texas 78209 321 W Fourth St. 213/980.8877 Gallagher Bassett Insurance Service 512/828-8245 Winona,Minnesota 55987 Madison 5400 Diplomat Circle 507/4546452 Orlando,Florida 32810 Scranton Gallagher Bassett Insurance Service 305/647.1060 Gallagher Bassett Insurance Service Youngstown 1310 Mendota N.E.National Bank Bldg.,Suite 518 Gallagher Bassett Insurance Service P.O.Box 8004 Phoenix Spruce Street 6 Wyoming Ave. 841 Boardman—Canfield Road Madison.Wisconsin 53708 Gallagher Bassett Insurance Service Scranton,Pennsylvania 18503 Suite 302,Hitchcock Park 608/249-1929 4040 East McDowell Road 717/344-1144 Youngstown,Ohio 44512 Phoenix,Arizona 85008 216/726-1262 Manchester 602/273-7860 Seattle Gallagher Bassett Insurance Service Gallagher Bassett Insurance Service 9 1245 North Elm Street,Room 208 Portland,stains 800120th Avenue,N.E. INTERNATIONAL OFFICES Manchester,New Hampshire 03101 Gallagherleghe Bassett Insurance Service Building 3,Suite 215 Arthur J.Gallagher 8 Co.(Bermuda)Ltd. 643/668.4746 960 Forest Avenue Bellevue,Washington 98005 Atlas House Portland,Maine 04103 206/455-4054 PO.Box 279 Miami 207/7976188 Gallagher Bassett Insurance Service South Bend Hamilton 5,Bermuda Koger Executive Center Portland,Oregon Gallagher Bassett Insurance Service Telephone:809/292-7200 8355 NW 63rd Street,Suite 215 Gallagher Bassett Insurance Service 2012 Ironwood Circle Telex:380-3370 Miami,Florida 33188 6443 S.W Beaverton Highway South Bend.Indiana 48837 305/592-4580 Portland,Oregon 97221 219/227-3010 Gallagher,Minion 6 Vereker Ltd. 503/297-1485 Fountain House Milwaukee Superior 126135 Fenchurch Street Gallagher Bassett Insurance Service Providence Gallagher Bassett Insurance Service London EC3M 50,1 Mayfair Bank Tower Gallagher Bassett Insurance Service 1507 Tower Avenue ENGLAND 2300 North Mayfair Road Suite 7—Regency East PO.Box 661 Telephone:01626568/ Milwaukee,Wisconsin 53226 1 Jackson Walkway Superior,Wisconsin 54880 Telex:8951506 414/257-3395 Providence.Rhode Island 02903 715/392-2957 401/751-5660 wineellilltallik din.'Ina ARTHUR J. GALLAGHER & CO. G-267-D mot- 1y ,�.a• y. l 9 � '�faaai} fr••. — bfPM �f ! >'. y. I't�" 7 N�' ;4 'r,i .E • ! Y _ .,h gr yaw .e� Y• - + r . . F RRR i! ,.L 3 t t+ 8E .�--4 I , mar• i� t . , ,x Y' x.{ a8`'7 € .e I --, ; i ' ` e f } _ FS gt+ TIJ rif b ' • i+�fNt w n„t:«'E a -.... `t G•F5'k �i -�.. r �iLrb d � �. � _ LE FACE WON y y C/iV LCR►DE O a�DD�TiIES' ,iwA ' ? SYLVIA r / ' !=► THE GIRL r .�. ' THE GIRL t t WITH�" Y• , ,� FEET LIKE ( . I ,�. 4 AN FEET LIKE ., •', , v uvc t*,, ' ELEPHANT __A -j ;;;;ti l• r. 1 NIA 1 . . t NE .E ` y , r ,..u� Mfr '. .. I• f r / ... . . `pr 1 .' _ }, !� lr.a .r•.`.r ' 4 •Y ms . • '( .4.'ft ri - '+1 5� 14'5 -{j -"" `} l 1r. � jyH..0, ,/ ;:iefttir P,ripr w . When buying self insurance gets to be like a side show, talk to the pros. When planning your company's self insurance our capabilities to meet your needs—captives, program becomes a side show of exaggerated retros,single deductibles combining several perils, promises about cost and coverage, call the self custom computer claims reporting—and more. insurance professionals. Consider that in 1978 Gallagher handled 66,000 Call Gallagher. losses and claims while administering$41,000,000 Gallagher has been designing and administering in clients'Ser fu All Gallagher self insurance programs nds. self years. In fact, a programs for more m than are backed by our coast-to-coast network 20 years an fe practices e originated and many self insurance and innova- ' _k. of 55 wholly-owned service offices. le ee .�^ So enjoy the benefits of self tiro procedures that are now standard ,1. f insurance, the Gallagher kind—and throughout the industry. forget the side show follies. All the while we've been expanding t� ' e ARTHUR J. GALLAGHER & CO. Gould Center,Golf Road,Rolling Meadows, Illinois 60008•Phone 312/640-8500 •An International Organization Providing Excess Coverages and All Related Services for Self Insurers •Brokers for Commercial,Industrial and Institutional Insurance Programs • COUNTY OF SACRAMENTO y. ' ' -e pR-�ul Ip ~ _ DAVID LSMITH DEPARTMENT GF7ERSONNfYMANIC�T CO County Executive GERALD M.PAULY.Director °**one* VINCENT Vt PISANI petty Offitat/Risk Limps • April 21 . 1977 • • Cecile Sanchez County of San Luis Obispo Courthouse .Annex: Room 217 San Luis Obispo, California 93401 Dear Cecile: Since we made the decision to go self-insured in 1973, we have been very • pleased both with the services of our broker and claim service firms. We have much more administrative control over the destiny of our claims. • Claims are handled professionally and promptly. Monthly computer runs on all claims are made and discussed. Our broker has done an extremely fine job of providing the County with one of the better programs in California under very difficult conditions as you well know. The County of Sacramento is well pleased with the services received both from Arthur J. Gallagher 8 Co. and our claims administrator, Gallagher Bassett Insurance Service. The services we receive under our self-insured program are much better than we ever received under an insured program. If you have any further questions please call . Sincerely, COUNTY F SACRAMENTO 4O Vincent W. Pisani erects,' IA VWP:kib cr tbe� ,e� i? c$NS, �S e./\. t •`O ! 717 K STREET, ROOM 400•SACRAMENTO,CALIFORNIA 95814 PHONE:440.7674 as seen in NOVEMBER 29, 1976 business insurance ARTHUR J. GALLAGHER & CO. ' mblication of Crain Communications Inc. Entire contents copyright e r rot t broke cs "We don't have a formal train- is done, the organization will pre- ing program," he said. "We use sent the client with recommends- only experienced people. Our ad- tons as well as the cost justers have 12 to 14 years exper- ience on the average. Our engi- Sometimes a flat fee is set, Mr. netts are all certified safety pro- Metzger said,and sometimes,there • are some provisions for fee ad. The self-insurance justments. For example if a client makes a major acquisition or has explained.'They must have a high a significant increase or decrease in b u sin e s s booms level of technical skills as well as business which affects Gallagher Dublio relations skills. Bassett's service load, the fee • "We feel that every claim adjus- . should reflect the change. f o r G a i l a g he r & Co ter should rbea a good-will yambas- when Mr. Metzger fees that a kny wdor.Programs go smoothly when factor in the success of a self-ln- • they do their job well." surance program is control. "We Somewhat surprisingly, Galla- feel that there must be one source CHICAGO—The biggest problem the self-insurance gher Bassett has no trouble find- to coordinate the brokering, en- division of Arthur J. Gallagher & Co., has is keeping up !ng people, Mr. Metzger said. To gineering services and data proc- with growth, according to Louis E. Metzger Jr., a vp in • keep them "we pay well, probably wing information," he said. charge of sales and mar- better than the average compared For that reason,Arthur J. Galla- keting at the company's ,.,,� to insurance company personnel or gher & Co. insists that a client headquarters outside staff of similar organizations." plate its excess coverage with the Chicago. agency if Gallagher Basset is pro- The division, Gall- - IIIIR- t And, to provide good service to viding self-insurance administra- gher Bassett, was its clients, "we insist that our peo- tion services. formed in 1962, and pie's case load be low. We won't "There have been cases when while Mr. Metzger be- r let them carry a 'normal' ease we have been asked to administer lieves that there has ` load," normal for the rest of the a self-insurance program for a firm been a noticeable in- L % S„j� industry, he said. which had already placed the ex- crease in interest in self- ar A, . 4` The main expense of a self-in- eels coverage with another broker, insurance in the last 3,. ;.��, surance program are the losses but so far we have turned them year or two, Gallagher '` ' ` ' themselves,Mr.Metzger explained, down," Mr. Metzger said. Bassett has never lacked Louis E.Metsger Jr. "and to the extent that we can re- Gallagher Bassett provides each for clients. duce losses, we are doing our job. client with a detailed computerized Business comes "almost entirely from inquiries to our So, we make sure that our people claim report monthly "which are - office," he said. "We don't have time to make cold calls. have the time to handle all loans quite prompt compared to the rest We are growing at the pace that we can absorb the bust- completely,"including subrogation, of the industry,"he said."The rea- ness." and salvage which Is not always son is that the information put into Arthur J.Gallagher&Co.,based in the Chicago suburb done throughout the industry, he the computer comes right from our of Rolling Meadows, is the 18th largest insurance broker said. own offices," and the variables of in the country with 1975 gross revenues of nearly $8.9 Gallagher Bassett clients are information fed into the computer million,and estimated 1976 gross income of over $11 mil- charged a fee for the administra- don't have to be dealt with. lion. tive services, depending on the Gallagher R a ctt accounts for something more than client's business. But the fee is Monthly claim reports can be one-third of the agency's revenues, Mr. Metzger said. never based on. a percentage of 12 inches thick for some clients, Robert E. Gallagher, president, said that self-insurance loss dollars. he said, and loses can be reported division has registered a 34% gain for the first six Charging a fee based on losses, by divisions, plants, location, time months of the year. using retrospective rating for ex- of day, whatever the client wants, Mr. Metzger believes that Gallagher Bassett was the ample, is common in the industry, he said. Other information, that first operation to offer total self-insurance administrative Mr. Metzger said. the client may not want but which services for all lines,The service include claims handling, "But we think that's dumb. is helpful to the safety engineers safety engineering, appraisals and data processing. There is no reason why a service in loss prevention Is also included, It now has 75 major clients which include institutions, organization should have a vested Mr. Metzger added. government bodies and industry, serviced by 200 full- interest in the amount of dollars The agency is often asked for a time employes from 37 offices countrywide. The division for losses.Whether a loss is settled rule-of-thumb in measuring when administers over $30 million in client funds, Mr. Metzger for $1 or $100, the cost to handle a company should consider self- said, and expects to handle over 45,000 claims this year. the claim is the same for us." -insurance, but there isn't one, he n ilagher Bassett is a service organization, he said, Gallagher Bassett charges a fee said. 1 o deliver good service you've got to have good peo- based on payroll figures, sales, or A relatively small company --. "Our people are in the front line trenches delivering annual premiums, Mr. Metzger could consider self-Insuring work- what is sold." said. Most often tt takes the engi- men's compensation if its opera- Employes are primarily former claim managers,safety . neers from two to six months to tons were concentrated geograph!- engineering managers of insurance companies or they ' get a good feel for •new program sally, Mr. Metzger said. A lot de- some from independent engineering firma, Mr. Metzger so an initial fee is agreed on with pends on exposures,be added. ■ said, the client. After a complete study Moot Went Cen•de f _._..^—., _. . . . Greeley-Weld j. 13, rOr Association OREELEY. COLORADO 60831 December 31, 1979 Board of Weld County Commissioners Centennial Center Greeley, Colorado 80631 On behalf of the Greeley-Weld Insurors Association, we want to thank you for the opportunity of presenting a proposal for the continuation of the Weld County Insurance Program. As you know, historically the Greeley-Weld Insurors have written the "Conven- tional" insurance program for the Weld County for a number of years. This has been accomplished through the mechanism of a designated agent - Donald R. Franks of the Franks and Scott Co. Insurance for Governmental Bodies has been very interesting the last few years. At one time it was considered very desirable business. Then through the late 60's and early to mid 70's a pattern developed that made GovelLonkental Bodies targets for many kinds of actions that made the class of business highly undesirable to most insurance companies. As recently as two years ago, there were instances of municipalities and counties in Colorado who were unable to obtain insurance quotations. This was parti- cularly true in the liability area. Mr. Franks was able to work with several fine standard insurance markets during this period of time and maintained continuity of the program for Weld County. We feel that it should be a mark of pride to Mr. Franks, the carriers, and the County that the loss ratios have improved to the point that other programs have now been attracted to this account. The Risk Management techniques and service job done by Mr. Franks is exemplary. Mr. Franks in addition to having primary responsibility of serving the a County, has also had access to other insurance markets through the auspices of the membership of the Greeley-Weld Insurors. The program has been monitored by the Public Business Committee of our Association. In reviewing the specifications that have been given to us, we feel there is one thing that is extremely interesting. We have been asked to prepare a proposal for you based on a "conventional" insurance approach. However, the specifications that were given to us include many types of coverages and conditions that are not usually pre- sent in conventional programs. A We feel that it is particularly interesting that at a time you are considering self insurance that you are also asking for more exotic types of underlying coverages. We realize that cost is a great factor in any decision that you will make. We submit that it is very difficult to quote the kind of program you have asked for - which by the character of the additional requirements is more expensive that "standard" forms - asa comparison to self insurance on underlying risks. Board of Weld County Commissioners - Page 2 We further submit that a combination of Risk Management techniques could bring this whole program into proper focus. There is no question in our mind but that a larger retention on all property risks could easily be born by Weld County. If, as an example, you are considering not insuring anything with values under $5,000.00 then it would be reasonable to use a $5,000.00 Deductible on all types of property and physical damage losses. This technique could very easily off-set some of the costs for Catastrophe Coverage which will take care of large losses. It would appear that you are more and more reaching toward approach to insurance that will take care of catastrophes in a more meaningful way. At the same time, how- ever, this fascination with normally unobtainable coverages on first dollar losses is somewhat confusing. We feel that this submission made on behalf of the Association by the Franks and Scott Co. is not the end of a process - but the beginning. We feel that there are a number of items which must be discussed in detail. We further offer the services of our entire organization and more specifically the Public Business Committee to sit down with any group that you would select to further explore what a realistic program should be for Weld County. As citizens of Weld County, we are all interested in both a high level of protection that will mean that proper insurance is in force in the event of catastrophes and a reasonable approach that means that the high cost first dollar or low deductible types of coverages can be controlled. We stand ready and willing to work with the Commissioners, their Administrative staff, and the County Council to accomplish what we feel is the primary goal - the best insurance protection for the lowest insurance costs. Very truly yours, GREELEY- ) INSURORS ASSOCIATION &TIP 09-01— BY* Larry J. Hoyt, President LJH:glc Greeley-Weld iin ' su. rors • ssociation tGREELEY,COLORADO 80632 December 31, 1979 Donald D. Warden Weld County Finance Officer P. 0. Box 758 Greeley, CO 80632 Dear Mr. Warden: Please let me start by congratulating those responsible for Weld County's present enviable position. Weld County is insurable. Self-insurance is an option for you today - not a requirement as was almost the case a few years ago. None of you here today were involved when Travelers Insurance Company said that they had had enough of insuring Weld County. My predecessor, however, was a good and sufficient li insurer to convince The Hartford Insurance Group to believe that Weld County had a reasonable chance to "clean up its act" and become a responsible insured again. I an pleased to report, because I feel partially responsible, that each of the last four years has improved the County's position. From a debited rating it is now possible to establish credits in the County's favor. '"y position has not changed. The current theories; of risk management are also unchanged from those established and put in force. The financial operation of the world is still based on sound insurance programs. There is still a daily need to explain the "whys" and "what-ifs" of property and casualty coverages. In the matter of Veld County's insurance, there must continue to be a way to answer the questions and provide some form of continuity. 'done of you here today have had much to do with placing Veld County's insurance in its present form. It is possible, and very probable, that none of you will be here five years from now to explain how we "got this way" j I have approached my assignment in this program as the one who will be best able to "be there when needed" and "bend with the wind" when new ideas and personnel become involved. You have every reason to he pleased and proud of what has been done and to know that there is nothing that may not he improved upon with proper discussion and understanding. In regards to the "conventional" insurance program for us to discuss today, it is without apology that the information is submitted for your consideration. This information, however, is somewhat restricted in its flexibility since time was limited and forms of "bid specifications" were .t -2- too general for the underwriting concepts to function in a normal manner. We were, frankly, advised that the lack of "specifics" prevented several otherwise qualified underwriters from granting the time and expense to prepare a satisfactory response. There will be a number of unanswered situations; however, your Insurors Association has prepared the most complete answers possible to the questions as seen from an insurance standpoint. To the greatest extent possible, present (renewal) coverages and quotations are provided as the most logical and reasonable source of the coverage. The various underwriters presently writing the coverage are the most familiar with the experiences of the account handling and provide, by far, the most competitive ratings. All possible credits have been included in the rate making and, thereby, present the most reasonable pricing structures. In the matter of furnishing policy forms and endorsements, it is assumed that the forms presently on the existing contracts will be unchanged and that redundancy can be avoided unless and until specific insurable perils are individually described. These comments will apply more specifically to Part I and Part II of the "Bid Specifications". In regards to the "Protective Self-Insurance Services", Part III, we have made every effort to present a situation which would avoid the need to obtain "services" beyond the boundaries of the County. It was felt by our Association that "local facilities" are preferred to any other so long as they meet the requirements. The GAB Business Services, A Inc. , which maintains a Greeley office and Northern Colorado staff, finds itself in a superior position to fill any need in the described areas of "self-insurance services". Without complete inspection into these facilities, it is felt that no proper decision can be made since the scope of CAB's program includes services even beyond those which are prescribed in the Part III of our program. It is not our intention, however, to recommend any "self-insured program" which can so often be misunderstood, difficult to administer, impossible to maintain with constantly changing personnel and of such a controversial nature that unhappiness could develop. 4 Your consideration for our efforts have been and continue to be appreciated. Respectfully submitted, Greeley-Weld Insurors Association Represented by jcAW 1 Don R. Franks A Hello