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Home My WebLink About790548.tiff PROPOSAL FOR INSURANCE COVERAGES FOR WELD COUNTY, COLORADO • 790548 INSTRUCTIONS AND REQUIREMENTS In order to be able to present as much information as possible in the most concise form, we have attempted to follow the format of the proposal request. We shall outline those items which need comment and indicate where exceptions become apparent. Item #9 (Instructions and Requirements) It is learned that, for example, there will be times that pro rata cancellations will not be possible. This depends on the Company and time coverages are placed in force. 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. Nowever, Replacement Cost (without depreciation) will be the only coverage acceptable. The schedule of Stated Values are to he shown as the only "known buildings". Replacement Costs are shown as an increased amount of 127 per item from last year's schedule. B. Vehicle: 1. This coverage to be on all vehicles -- owned, borrowed, or leased by the Board. Coverage shall he applicable to all "licensed land motor vehicles" by definition. 2. Physical Damage $100 deductible Collision on all leased, rented or borrowed vehicles only. Comprehensive ($100 deductible) on all vehicles. See Alternate Vehicle Proposal #2. 3. Medical Payments $5,000 per person. See Alternate Vehicle Proposal #2. 4. Automatic coverage for newly acquired vehicles upon acquisition with no notice necessary including Liability and Physical Damage as noted above on all vehicles. Included in Vehicle Proposal #1 and #2. 5. Comprehensive to include fire, theft, windstorm, etcetera. See Alternate Vehicle Proposal #2. C. Optional Liability Limits of $1,000,000, $5,000,000, $10,000,000 per occurrence. Excess Limits reflected in Umbrella quotations. PROPOSAL FORM REQUIREMENTS • PROPERTY COVERAGE Name or type of policy being proposed Name of Insurance Company: The Hartford -Address of home office: Hartford Plaza, Hartford, Connecticut —_ ly Authorized agent submitting proposal: Franks & Scott Co. • Claims office from which all claims will be made: Denver Local Claims Office Address: _P O. Box 22315 ---Denver CO 30222 — — -- — — Claims handled by Staff Adjusters Staff or independent adjusters (name) ( Current best 's ratings A-XV Effective date of policy (s) : 1/15/80 The basis upon which rates are arrived at should be explained, Statement of Values provided by Weld County Type coverage: Buildings - $20,719,950 Contents - $1,42.5,064 flamed Perils All Risk Premium (annual) broken down $100 Ded.--$17,766 $100 Ded.--$22,346 $1000 Ded.-- 14,754 $1000 Ded.-- 18,940 Deviations from coverage, limits, conditions, etcetera, mentioned in specifications: None • Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, specific excess and prr_- 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 w.i.11. be : Tint APPlirahle — We will abide by the specifications and requirements in this document except for deviations agreed to. Agent Agency_ Agent — •��Scca�lo__— ( FRANKS & SCOTT CO. D �(�� Denver Regional Office Sr. 800 Grant Street Denver, Colorado 80203 DEC 3 1 1979 Telephone: (303) 837-1515 • _ GREELEY, COLO, December 27, 1979 THE HARTFORD Don Franks Franks and Scott Greeley, CO RE: Weld County 34 SMP 109366 Dear Don: Confirming our telephone conversation this morning, we are pleased to provide you with the following quotation: MP100 & MP100A MP101 & MP101A MP100 & MP100A MP101 & MP101A Named Perils All Risk Named Perils All Risk Section I $100 Ded. $100 Ded. $1,000 Ded. $1,000 Ded. $17,766 $22,846 $14,745 $18,940 Section II Limit $500,000 CSL per L-3503-1 Premises/Operations OLT $83,558 Premises/Operations M&C 63,872 Host Liquor Incl. Completed Operations 87 Advertising Liability Incl. Employee Benefit Liability 96 Personal Injury 4,852 Deletion of Excl. C 7,278 Owners & Contractors Protective 424 Designated Contractual 123 Broad Form PD 5,066 Incidental Malpractice 2,700 Total Section II $168,056 Our quotation is subject to coverages specifically described in bureau SMP forms (previously mailed to you) that would be attached to the policy, if • The Hartford were to retain this business. Forms MP100 and MP100A are applicable to named perils coverage, while MP101 and MP101A would be appli- cable, if all risk coverage were chosen. We are agreeing to only those Hartford Fire Insurance Company Hartford Accident and Indemnity Compel Hartford Life Insurance Company Hartford Casualty Insurance Company New York Underwriters Insurance Compai , Twin City Fire Insurance Company -2- terms set forth in the designated forms with the following exceptions, as respects property coverage. Our quote does contemplate: a. Agreed Amount Coverage b. Replacement Cost c. Blanket Coverage It would be a condition of coverage that we be provided with an up-to-date signed statement of values each year. As in the case of our property coverage, our liability quotation is subject only to those provisions specifically mentioned in the Comprehensive General Liability coverage part, form number L-3503-1. I have enclosed a copy of this form for your convenience. The exceptions to this are those liability coverages mentioned above for which the appropriate premium charge would be made. We do not write Public Official Liability or Errors and Omissions Coverage. In conclusion, there are a few miscellaneous items that need to be clarified. Although we would be willing to provide a 60 day notice of cancellation endorsement, the return of unearned premium fees will be handled per the rules set forth by the ISO as outlined in your CLM. We would be interested in reviewing the County's Inland Marine Schedule and quoting the coverage as soon as we are given an itemized list of equipment. Until such time, we will not be able to provide you with rates for premiums for Inland Marine coverage. Boiler and Machinery coverage would be quoted and written through Hartford Steam Boiler. Our quotation figures do not contemplate this coverage. Please refer to present policy for approximate charge. Should you have additional questions regarding renewal quote, please do not hesitate to call. We would appreciate hearing from you as soon as the County has determined which course of action they will pursue to secure coverage for the coming year. Thank you for your assistance and cooperation. Sincerely, Helene Tomme Underwriter Property & Package Department HT:ep encl. Comprehensive General Liability Insurance Coverage Part Und. Approved Confidential Und. Notes: Report Quality Control. This Coverage Part forms a part of Policy No. issued by THE HARTFORD INSURANCE GROUP Company designated therein, and takes effect as of the effective date of said policy unless otherwise stated herein. (For use only if this Coverage Part is effective after the effective date of the Policy) This Coverage Part is effective (at the hour stated in the'policy) and forms a part of the above designated policy issued to The Company, in consideration of the payment of the premium and subject to all of the provisions of the policy not expressly modified herein, agrees with the named insured as follows: SCHEDULE The Insurance afforded Is only with respect to such of the following coverages as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Coverages Advance Premiums Limits of Liability A — Bodily Injury Liability $ $ ,000 each occurrence $ ,000 aggregate B — Property Damage Liability $ $ ,000 each occurrence + $ ,000 aggregate le Rating Classifications_ Rates Advance Premiums Entries herein,policy, t as not modify provided elss- i where in this do any of the other Cods No. Premium Bases to provisions of this policy. 8.1. P.D. B.I. P.D. X (a) Area \a) Per 100 Sq.Ft.of Area (a) Premises — Operations (b) Frontage b Per Linear Foot (c) Remuneration c Per $100 of Remun. (((d) Receipts d Per $100 of Receipts m (b) Escalators (e) Landings (e) Per Landing _• (c) Independent Contractors (0 Cost (f) Per $100 of Cost (d) Completed Operations (g) Receipts (g) Per$1,000 of Receipts i (e) Products (h) Sales (h) Per $1,000 of Sales N_ z O J 4 in 7 te 0 a. S rJ l- • Form Numbers of Endorsements forming part of this Coverage Part at issue: TOTAL ADVANCE PREMIUMS $ $ if the Policy Period is more than one year, the Premium is Payable: On effective date of Policy $ 1st Anniversary $ 2nd Anniversary $ The conditions and provisions printed on pages CGL-2 and COL-3 of this form are hereby referred to and made a part hereof. This Coverage Part shall not be binding unless countersigned by a duly authorized agent of the company; provided that if this Coverage Part takes effect as of the effective date of the policy and, at issue of said policy, forms a part thereof, countersignature on the declarations page of said policy by a duly authorized agent of the company shall constitute valid countersignature of this Coverage Part. Countersigned by Authorized Agent Form L-3503-1 DR Printad in LISA (IS(A eni 1/1/731 CGL-1 • Comprehensive General Liability Insurance Coverage Part (Continued) y4� THE HARTFORD p (2) the collapse hazard in connection with operations identified in Coverage A —The total liability of the company for all damages, includ- this policy by a classification'code number which includes the ing damages for care and loss of services, because of bodily injury sus- symbol "c", tamed by one or more persons as the result of any one occurrence shall not exceed the limit of bodily injury liability stated in the schedule as (3) the underground property damage hazard in connection with applicable to "each occurrence". operations identified in this policy by a classification code number which includes the symbol "u". Subject to the above provision respecting "each occurrence", the total liability of the company for all damages because of (1) all bodily injury included within the completed operations hazard and (2) all bodily injury II. PERSONS INSURED included within the products hazard shall not exceed the limit of bodily injury liability stated in the schedule as "aggregate". Each of the following is an insured under this insurance to the extent set forth below: (a) if the named insured is designated in the declarations as an individ- ual, the person so designated but only with respect to the conduct of a business of which he is the sole proprietor, and the spouse of because of all property damage sustained by one or more persons or organizations as the result of any one occurrence shall not exceed the the named insured with respect to the conduct of such a busi- ness; limit of property damage liability stated in the schedule as applicable to "each occurrence". (b) if the named insured is designated in the declarations as a part- nership or joint venture, the partnership or joint venture so desig- Subject to the above provision respecting "each occurrence., the total nated and any partner or member thereof but only with respect to liability of the company for all damages because of all property damage his liability as such; to which this coverage applies and described in any of the numbered subparagraphs below shall not exceed the limit of property damage lid bitty stated in the schedule as "aggregate": (c) if the named insured is designated in the declarations as other than an individual, partnership or joint venture, the organization so desig- (1) all property damage arising out of premises or operations nated and any executive officer, director or stockholder thereof while rated on a remuneration basis or contractor's equipment rated acting within the scope of his duties as such; on a receipts basis, including property damage for which liabil- ity is assumed under any incidental contract relating to such (d) any person (other than an employee of the named insured) or premises or operations, but excluding property damage organization while acting as real estate manager for the named included in subparagraph (2) below; insured; and (2) all property damage arising out of and occurring in the course (e) with respect to the operation, for the purpose of locomotion upon a of operations performed for the named insured by independent public highway, of mobile equipment registered under any motor contractors and general supervision thereof by the named vehicle registration law, insured, including any such property damage for which liability is assumed under any incidental contract relating to such (i) an employee of the named insured while operating any such operations, but this subparagraph (2)does not include property equipment in the course of his employment, and damage arising out of maintenance or repairs at premises owned by or rented to the named insured or structural alter- (Ii) any other person while operating with the permission of the ations at such premises which do not involve changing the size named insured any such equipment registered in the name of of or moving buildings or other structures; the named insured and any person or organization legally responsible for such operation, but only if there is no other (3) at property damage Included within the products hazard and valid and collectible insurance available, either on a primary or all property damage included within the completed operations excess basis, to such person or organization; hazard. provided that no person or organization shall be an insured under Such aggregate limit shall apply separately to the property damage this paragraph (e) with respect to: described in subparagraphs (1), (2) and (3) above, and under subpara- (1) bodily injury to any fellow employee of such person injured in graphs (1) and (2), separately with respect to each project away from the course of his employment, or premises owned by or rented to the named insured. (2) property damage to property owned by, rented to, in charge of or occupied by the named insured or the employer of any per- son described in subparagraph (ii). Coverages A and B — For the purpose of determining the limit of the company's liability, all bodily injury and property damage arising out of This insurance does not apply to bodily injury or property damage aris- continuous or repeated exposure to substantially the same general condi- ing out of the conduct of any partnership or joint venture of which the lions shall be considered as arising out of one occurrence. insured is a partner or member and which is not designated in this policy as a named insured. Ill. LIMITS OF LIABILITY IV. POLICY TERRITORY Regardless of the number of (1)insureds under this policy, (2) persons or organizations who sustain bodily injury or property damage, or (3) This insurance applies only to bodily injury or property damage which • claims made or suits brought on account of bodily injury or property occurs within the policy territory. damage, the company's liability is limited as follows: Form L-3503-1 Printed in U.S.A. (ISO: CGL 1/1/73) CGL-3 COINSURANCE CONTRACT SPECIAL MULTI-PERIL POLICY Form MP-10 SI SECTION I—GENERAL BUILDING FORM (Ed. 7 , m 44 I. PROPERTY COVERED BUILDING(S): Building(s) or structure(s) shall include attached additions used for the maintenance or service of the building(s), including lire and extensions; fixtures, machinery and equipment constituting a per- tinguishing apparatus, outdoor furniture, floor coverings and applian. manent part of and pertaining to the service of the building(s): materials for refrigerating, ventilating, cooking, dishwashing and laundering (I and supplies intended for use in construction, alteration or repair of the not including other personal property in apartments or rooms furnish building(s) or structure(s); yard fixtures; personal property of the insured by the named insured as landlord); all while at the designated premis II. PROPERTY NOT COVERED This policy does not cover: C. Outdoor signs,whether or not attached to a building or structure. A. Outdoor swimming pools; fences; piers, wharves and docks; beach or diving platforms or appurtenances; retaining walls not constituting a part of a building;walks,roadways and other paved surfaces. D. Lawns; outdoor trees, shrubs and plants except as provided in Extensions of Coverage. B. The cost of excavations, grading or filling; foundations of buildings, machinery, boilers or engines when such foundations are below the un- dersurface of the lowest basement floor, or where there is no basement, E. Property which is more specifically covered in whole or in part by thi- below the surface of the ground; pilings, piers, pipes, flues and drains any other contract of insurance, except for the amount of loss which is which are underground;pilings which are below the low water mark. excess of the amount due from such more specific insurance. III. EXTENSIONS OF COVERAGE Except with respect to Extension D.Replacement Cost: (A)Each of the limits of liability specified for the following Extensions of Coverage applies as an additional amount of insurance. (B)The Coinsurance Clause shall not apply to loss under the Extensions of Coverage. The total amount recoverable under the Extensions of Coverage in this form and Extensions of Coverage in any other form made a part of this policy not cumulative and shall not exceed the largest amount recoverable under any single form made a part of this policy. When, in accordance with the Other Insurance condition, there is Contributing Insurance, the Company shall not be liable for more than its pro share of the limits set forth in the following Extensions of Coverage. 4 A. Newly Acquired Property: The insured may apply up to 25% of the premises for purposes of cleaning, repairing, reconstruction or resto limit of liability specified for Building(s), but not exceeding $100,000, to tion. This Extension of Coverage shall not apply to property in tran cover direct loss in any one occurrence by a peril insured against to the nor to property on any premises owned, leased, operated or controlled following described property: the insured. 1. New buildings and new structures being constructed on the C. Outdoor Trees,Shrubs and Plants: The insured may apply up to$1.1 described premises and intended for similar occupancy, when not to cover outdoor trees,shrubs and plants at the designated premises agai otherwise covered by insurance. This coverage shall cease 30 days direct loss in any one occurrence by the perils of fire, lightning, explos from the date construction begins or on the date the values of riot, civil commotion or aircraft, but only to the extent such perils new construction are reported to the Company, or on the expira- insured against herein.The Company shall not be liable for more than 5. tion date of the policy,whichever occurs first. on any one tree, shrub or plant, including expense incurred for remos 2. Buildings acquired by the insured at any location, elsewhere debris thereof. than at the designated premises, within the territorial limits of D. Replacement Cost: In the event of loss to a building structure cove this policy and used for similar occupancies or warehouse pur- under this policy, when the full cost of repair or replacement is less t' poses. This coverage shall cease 30 days from the date of such $1,000, the coverage of this policy is extended to cover the full cosi acquisition or on the date values of the buildings are reported to repair or replacement (without deddction for depreciation). Coverage s' the Company, or on the expiration date of the policy, whichever be applicable only to a building structure covered hereunder, but exclud occurs first. outdoor furniture, outdoor equipment, floor coverings, awnings, and Additional premium shall be due and payable for values so reported from pliances for refrigerating, ventilating, cooking, dishwashing and laund the date construction begins or the property is acquired. ing,all whether permanently attached to the building structure or not. The Company shall not be liable under this Extension of Coverage unl B. Off-Premises: The insured may apply up to 2% of the limits of liability the whole amount of insurance applicable to the building structure specified for Building(s), but not exceeding $5,000, at a described loco- which claim is made is equal to or in excess of the amount produced tion to cover direct loss in any one occurrence by a peril insured against multiplying the co-insurance percentage applicable (specified in the L to the property covered under Building(s)while removed from designated larations) by the actual cash value of such property at the time of the h IV. PERILS INSURED AGAINST ”".."1 This policy insures against all direct loss to the property covered under (a)by rain, snow, sand or dust, whether driven by win( this form caused by: not, unless the building(s)covered or containing the pi A. FIRE. erty covered shall first sustain an actual damage to roof walls by the direct action of wind or hail and then shall B. LIGHTNING. liable for loss to the interior of the building(s)or the pr 44 C. WINDSTORM OR HAIL, excluding loss caused directly or indirectly by erty covered therein as may be caused by rain, snow, s; frost or cold weather,or ice(other than hail),snow or sleet,whether driven or dust entering the building(s) through openings in by wind or not. roof or walls made by direct action of wind or hail: or by water from sprinkler equipment or from other pipi. I. This Company shall not be liable for loss to the interior of the unless such equipment or piping be damaged as a dirt building(s)or the property covered therein caused: result of wind or hail. Form MP-100 (Ed.7-77) Page 1 of • 2. The Company shall not be liable for Windstorm or Hail damage with the building(s) containing the property covered, except that loss by to the following property: aircraft includes direct loss by objects falling therefrom. (a)Windmills,wind pumps or their towers; This Company shall not be liable for loss: (b)Crop silos; 1. by any vehicle owned or operated by an insured or by any (c) Metal smokestacks;or tenant of the designated premises; (d)When outside of buildings, _ 2. by any vehicle to fences, driveways, walks, or when outside of buildings,to trees,shrubs or plants; (1)Trees,shrubs or plants; 3. to any aircraft or vehicle including its contents other than (2)Awnings of fabric or slat construction, canopies stocks of aircraft or vehicles in process of manufacture or for sale. --, of fabric or slat construction, including their sup- The word "vehicles" means vehicles running on land or tracks but not ports; aircraft. The word "aircraft" shall include self-propelled missiles and • (3)Radio or television antennas, including their spacecraft. lead-in wiring,masts or towers. G. RIOT, RIOT ATTENDING A STRIKE OR CIVIL COMMOTION, including direct loss by acts of striking employees of the owner or tenant(s)of the D. EXPLOSION, including direct loss resulting from the explosion of ac- cumulated gases or unconsumed fuel within the firebox (or combustion incbuilude(s)directw o occupied by ad striking oi employees during an shall also chamber)of any fired vessel or within the flues or passages which conduct include loss from , and looting occurring eo civilcommotion. m and . the the gases of combustion therefrom. immediate all of a liable i, riot forloss attending a lting from m ge too or The Company shall not be loss resulting damage to or de- l. This Company shall not be liable for loss by explosion of steam struction,of the property due to change in temperature or humidity or boilers, steam pipes, steam turbines or steam engines, if owned interruption of operations whether or not such loss is covered by this by,leased by or operated under the control of the insured. policy as to other perils. 2. The following are not explosions within the intent or meaning H. VANDALISM OR MALICIOUS MISCHIEF, meaning only the willful and of these provisions: malicious damage to or destruction of the property covered. •,_,... (a)Shock waves caused by aircraft, generally known as This Company shall not be liable for loss: "sonic boom", I. to glass (other than glass building blocks) constituting part (b)Electric arcing, of a building,structure or an outside sign; (c) Rupture or bursting of rotating or moving parts of 2. by pilferage, theft, burglary or larceny, except that this Com- machinery caused by centrifugal force or mechanical pany shall be liable for willful damage to the building(s) covered breakdown, caused by burglars in gaining entrance to or exit from such build- • (d)Water hammer, ing(s)or any part of the building(s). (e) Rupture or bursting of water pipes, 3. by explosion of steam boilers, steam pipes, steam turbines or steam engines, if owned by, leased by, or operated under the con- (f) Rupture or bursting due to expansion or swelling of trol of the named insured; or by rupture or bursting of rotating or the contents of any building or structure, caused by or moving parts of machinery caused by centrifugal force or me- resulting from water, chanical breakdown; C (g) Rupture, bursting or operation of pressure relief de- 4. from depreciation or deterioration; nor, unless specifically vices. endorsed, for any loss resulting from change in temperature or humidity; ^•^t E. SMOKE, meaning sudden and accidental damage from smoke, other than smoke from agricultural smudging or industrial operations. 5. if the building(s) had been vacant or unoccupied beyond a pe- riod of 30 consecutive days immediately preceding the loss, wheth- F. AIRCRAFT OR VEHICLES,meaning only direct loss resulting from actual er or not such period commenced prior to the inception date of physical contact of an aircraft or a vehicle with the property covered or this policy. • V. EXCLUSIONS This policy does not insure under this form against: D. Loss caused by, resulting from, contributed to or aggravated by any A. Loss occasioned directly or indirectly by enforcement of any ordinance of the following: or law regulating the use, construction, repair, or demolition of buildings 1. earth movement, including but not limited to earthquake, land- - or structures including debris removal expense. slide,mudflow,earth sinking,earth rising or shifting; 2. flood, surface water, waves, tidal water or tidal wave, overflow B. Loss occasioned directly or indirectly by any electrical injury or dis- of streams or other bodies of water,or spray from any of the fore- turbance to electrical appliances, devices, fixtures or wiring caused by going,all whether driven by wind or not; electrical currents artificially generated unless fire as insured against 3. water which backs up through sewers or drains;or ensues, and then this Company shall be liable for only loss caused by the ensuing fire. 4. water below the surface of the ground including that which exerts pressure on or flows, seeps or leaks through sidewalks, ;•,=;,j C. Loss caused directly or indirectly by the interruption of power or driveways, foundations,walls, basement or other floors, or through other utility service furnished to the designated premises if the interrup- doors, windows or any other openings in such sidewalks, drive- tion takes place away from the designated premises. If a peril insured ways,foundations,walls or floors; against ensues on the designated premises, this Company will pay only unless fire or explosion as insured against ensues, and then this Company for loss caused by the ensuing peril. shall be liable for only loss caused by the ensuing fire or explosion. """1 VI. VALUATION The following bases are established for valuation of property: All property at actual cash value at the time of loss, but not exceeding the of like kind and quality within a reasonable time after such loss, nor in amount which it would cost to repair or replace the property with material any event for more than the interest of the named insured. ""'°'1 Form MP-100 (Ed.7.77) Page 2 of 2 COINSURANCE CONTRACT - - SPECIAL MULTI-PERIL POLICY Form MP-100A L. SECTION I—GENERAL PERSONAL PROPERTY FORM (Ed. 7.77) I. PROPERTY COVERED Its 40 PERSONAL PROPERTY OF THE INSURED: Business personal property PERSONAL PROPERTY OF OTHERS: This insurance shall cover for the owned by the insured and usual to the occupancy of the insured, including account of the owner(s) (other than the named insured) personal prop- the insured's interest in personal property owned by others to the extent erty belonging to others in the care, custody or control of the insured, of the value of labor, materials and charges furnished, performed or while (1)in or on the building(s),or(2)in the open(including within vehi- incurred by the insured; all while (1) in or on the building(s)or (2) in the des)on or within 100 feet of the designated premises. open (including within vehicles) on or within 100 feet of the designated premises. a- This coverage shall also include Tenant's Improvements and Betterments, -• meaning the insured's use interest in fixtures, alterations, installations Loss shall be adjusted with the named insured for the account of the • or additions comprising a part of the building(s) occupied but not owned owners of the property, except that the right to adjust any loss with the by the insured and made or acquired at the expense of the insured exclu- owners is reserved to the Company and the receipts of the owners in L sive of rent paid by the insured, but which are not legally subject to re- satisfaction thereof be in full satisfaction of any claim by the named moval by the insured. insured for which payments have been made. II. PROPERTY NOT COVERED This policy does not cover:• 2. Watercraft, including motors, equipment and accessories, A. Animals and pets. aircraft; watercraft, including motors, equipment while not afloat;or and accessories (except rowboats and canoes, while out of water and on 3. Automobiles, trailers, semi-trailers or any self-propelled vehi- the designated premises); and automobiles, trailers, semi-trailers or any des or machines. self-propelled vehicles or machines, except such property not licensed B. Personal property while waterborne. for use on public thoroughfares and operated principally on the premises IN of the insured. C. Outdoor trees, shrubs and plants,except when held for sale or sold but not delivered,or as provided in the Extensions of Coverage. This provision does not apply to the following types of property when held for sale or sold but not delivered: D. Household and personal effects contained in living quarters occupied I. Animals and pets; by the insured, any officer, director, stockholder or partner of the insured or relatives of any of the foregoing, except as provided in the Extensions 2. Motorcycles,motorscooters and snowmobiles; of Coverage. 3. Trailers designed for use with private passenger vehicles for E. Accounts, bills, currency, deeds, evidences of debt, money and securi- Y general utility purposes or carrying boats;or ties. 4. Watercraft, including motors, equipment and accessories, F. Outdoor signs,whether or not attached to a building or structure. • while not afloat. G. Growing crops and lawns. _ This provision does not apply to the following types of property when H. Property which is more specifically covered in whole or in part by this manufactured,processed or warehoused by the insured; or any other contract of insurance, except for the amount of loss which is 1. Aircraft; in excess of the amount due from such more specific insurance. III. EXTENSIONS OF COVERAGE Each of the limits of liability specified for the following Extensions of Coverage applies as an additional amount of insurance. The Coinsurance Clause a shall not apply to loss under the Extensions of Coverage. The total amount recoverable under the Extensions of Coverage in this form and Extensions of Coverage in any other form made a part of this policy are not cumulative and shall not exceed the largest amount recoverable under any single form made a part of this policy. I When, in accordance with the Other Insurance condition,there is Contributing Insurance, the Company shall not be liable for more than its pro rata share of the limits set forth in the following Extensions of Coverage. . A. Property at Newly Acquired Locations: The insured may apply up to C. Personal Effects: The insured may apply up to $500 to cover direct 10% of the limit of liability specified for Personal Property of the Insured, loss in any one occurrence by a peril insured against to personal effects but not exceeding $10,000, to cover direct loss in any one occurrence by while located on the designated premises, belonging to the insured, offi- a peril insured against to such property at any location (except fairs and cers, partners or employees thereof, and limited to $100 on personal ef- exhibitions) acquired by the insured for similar occupancies or ware- fects owned by any one individual. This Extension of Coverage does not housing purposes, elsewhere than at the designated premises within the apply if the loss is covered by any other insurance, whether collectible or territorial limits of this policy. This coverage shall cease 30 days from the not, or which would have been covered by such other insurance in the date of such acquisition or on the date values at such locations are re- absence of this policy. At the option of the Company, loss under this Ex- ported to the Company, or on the expiration date of the policy, whichever tension of Coverage may be adjusted with and payable to the insured. occurs first. Additional premium shall be due and payable for values so D. Valuable Papers and Records: The insured may apply up to $500 to reported from the date the property is acquired. cover direct loss in any one occurrence by a peril insured against to valu- able papers and records consisting of books of account, manuscripts, B. Off-Premises: The insured may apply up to 2% of the limit of liability abstracts, drawings, card index systems, film, tape. disc, drum, cell and I specified for Personal Property of the Insured, but not exceeding$5,000, other magnetic recording or storage media for electronic data processing, at a described location to cover direct loss in any one occurrence by a and other records, all the property of the insured at designated premises. peril insured against to the property covered under Personal Property This Extension of Coverage covers only the cost of research and other ex- of the Insured (other than merchandise or stock) while removed from pense necessarily incurred by the insured to reproduce, replace or re. I designated premises for purposes of cleaning, repairing, reconstruction store such valuable papers and records. The total amount payable in any d or restoration. This Extension of Coverage shall not apply to property in one occurrence under this Extension of Coverage shall not exceed the transit, nor to property on any premises owned, leased, operated or con- limit specified above, regardless of the number of premises designated trolled by the insured. in the Declarations. Form MP-100A (Ed. 1-77) Page 1 of 3 I E. Outdoor Trees, Shrubs and Plants:The insured may.apply up'to$1,000 2. the cost of repairing or replacing any of the described property, to cover outdoor trees, shrubs and plants, except when held for sale or or the cost of research or other expense necessary to replace or sold but not delivered, at the designated premises against direct loss in any restore books of account, manuscripts, abstracts. drawings, card one occurrence by the perils of fire, lightning, explosion, riot, civil corn- index systems, film, tape, disc, drum, cell and other magnetic motion or aircraft, but only to the extent such perils are insured against recording or storage media for electronic data processing, and herein. The Company shall not be liable for more than $250 on any one other records that have been damaged by a peril not otherwise x" tree, shrub or plant, including expense incurred for removing debris excluded, except cost in excess of the normal cost of such repair, r thereof, replacement or restoration necessarily incurred for the purpose of reducing the total amount of extra expense. In no event shall F. Extra Expense: The insured may apply up to $1,000 to cover they necessary extra expense incurred by the insured in order to continue as otherwise sthe excessal exceed u the d amount n which Coverage oe total extra reduced;expense nearly as practicable the normal operations of the insured's business payable under this Extension of is or immediately following damage by a peril insured against under this form 3. any other consequential or remote loss. to the buildings or personal property situated at the designated premises. G. Non-Owned Personal Property: The insured may apply at each loca- "Extra expense" means the excess of the total cost incurred during the tion up to 2% of the limit of liability specified for Personal Property of period of restoration chargeable to the operations of the insured's busi- the Insured at such location, but not exceeding $2,000, as an additional ness over and above the total cost that would normally have been incurred amount of insurance, to cover for the account of the owners thereof(other to conduct the business during the same period had no loss occurred. than the named insured)direct loss by a peril insured against to personal Any salvage value of property obtained for temporary use during the period property, similar to that covered by this policy, belonging to others while of restoration, which remains after the resumption of normal operations, in the care, custody or control of the named insured and all while(1)in or shall be taken into consideration in the adjustment of any loss hereunder. on the building(s),or(2)in the open(including within vehicles)on or with- "Period of restoration" means that period of time, commencing with the in 100 feet of the designated premises. date of damage and not limited by the date of expiration of this policy, as Loss shall be adjusted with the named insured for the account of the would be required with the exercise of due diligence and dispatch to re- owners of the property, except that the right to adjust any loss with the pair, rebuild or replace such part of said buildings or personal property owners is reserved to the Company and the receipts of the owners in as have been damaged. satisfaction thereof shall be in full satisfaction of any claim by the named insured for which payments have been made. As respects personal prop- 1 The Company shall not be liable under this Extension of Coverage for: erty belonging to others, this provision shall replace any loss payable 1. loss of income: provision of this policy. „ IV. PERILS INSURED AGAINST This policy insures against all direct loss to the property covered under I. This Company shall not be liable for loss by explosion of steam this form caused by: boilers, steam pipes, steam turbines or steam engines, if owned A. FIRE. by,leased by or operated under the control of the insured. B. LIGHTNING. 2. The following are not explosions within the intent or meaning of these provisions: C. WINDSTORM OR HAIL, excluding loss caused directly or indirectly by (a) Shock waves caused by aircraft, generally known as • frost or cold weather, or ice (other than hail), snow or sleet, whether "sonic boom", driven by wind or not. 1. This Company shall hot be liable for loss to the interior of the (b)Electric arcing, building(s)or the property covered therein caused: (c) Rupture or bursting of rotating or moving parts of '' machinery caused by centrifugal force or mechanical (a)by rain, snow, sand or dust, whether driven by wind or breakdown, not, unless the building(s) covered or containing the prop- erty covered shall first sustain an actual damage to roof or (d)Water hammer, walls by the direct action of wind or hail and then shall be (e)Rupture or bursting of water pipes, liable for loss to the interior of the building(s)or the prop- erty covered therein as may be caused by rain, snow, sand (f) Rupture or bursting due to expansion or swelling of the or dust entering the building(s) through openings in the contents of any building or structure,caused by or resulting ra roof or walls made by direct action of wind or hail; or (b) from water, by water from sprinkler equipment or from other piping, (g) Rupture, bursting or operation of pressure relief de- unless such equipment or piping be damaged as a direct vices. result of wind or hail. E. SMOKE, meaning sudden and accidental damage from smoke, other „ 2. The Company shall not be liable for Windstorm or Hail damage than smoke from agricultural smudging or industrial operations. to the following property: F. AIRCRAFT OR VEHICLES, meaning only direct loss resulting from ac- (a)Windmills,wind pumps or their towers; tual physical contact of an aircraft or a vehicle with the property covered (b)Crop silos or their contents; or with the building(s) containing the property covered, except that loss by aircraft includes direct loss by objects falling therefrom. (c) Metal smokestacks;or (d)When outside of buildings. This Company shall not be liable for loss: iill (1)Grain,hay,straw or other crops; 1. by any vehicle owned or operated by an insured or by any tenant of the designated premises; (2)Trees,shrubs or plants; 2. by any vehicle to fences, driveways, walks, or when outside of (3)Awnings of fabric or slat construction, canopies buildings,to trees,shrubs or plants: 1 of fabric or slat construction, including their sup- 3. to any aircraft or vehicle including its contents other than ports: stocks of aircraft or vehicles in process of manufacture or for sale. (4)Radio or television antennas, including their The word "vehicles" means vehicles running on land or tracks but not lead-in wiring,masts or towers. aircraft. The word "aircraft" shall include self-propelled missiles and D. EXPLOSION, including direct loss resulting from the explosion of ac- spacecraft. cumulated gases or unconsumed fuel within the firebox (or combustion G. RIOT, RIOT ATTENDING A STRIKE OR CIVIL COMMOTION, including chamber) of any fired vessel or within the flues or passages which con- direct loss by acts of striking employees of the owner or tenant(s)of the • duct the gases of combustion therefrom. building(s) while occupied by said striking employees and shall also in- Form MP-100A (Ed.7.77) Page 2 of 3 � r dude direct loss from pillage and looting occurring during and at the caused by burglars in gaining entrance to or exit from such build- immediate place of a riot, riot attending a strike or civil commotion. The ing(s)or any part of the building(s). Company shall not be liable for loss resulting from damage to or destruc- 3. by explosion of steam boilers, steam pipes, steam turbines or Lion of the property due to change in temperature or humidity or interrup- steam engines, if owned by, leased by, or operated under the con- tion of operations whether or not such loss is covered by this policy as trol of the named insured; or by rupture or bursting of rotating to other perils. or moving parts of machinery caused by centrifugal force or me- H. VANDALISM OR MALICIOUS MISCHIEF, meaning only the willful and chanical breakdown; malicious damage to or destruction of the property covered. 4. from depreciation or deterioration; nor, unless specifically This Company shall not be liable for loss: endorsed, for any loss resulting from change in temperature or humidity; 1. to glass (other than glass building blocks) constituting part of a building,structure or an outside sign; 5. if the building(s) had been vacant or unoccupied beyond a period of 30 consecutive days immediately preceding the loss, 2. by pilferage, theft, burglary or larceny, except that this Corn- whether or not such period commenced prior to the inception pany shall be liable for willful damage to the building(s) covered date of this policy. V. EXCLUSIONS This policy does not insure under this form against: D. Loss caused by, resulting from, contributed to or aggravated by any A. Loss occasioned directly or indirectly by enforcement of any ordi- of the following: nance or law regulating the use, construction, repair, or demolition of 1. earth movement, including but not limited to earthquake, land- property including debris removal expense. slide,mudf low,earth sinking,earth rising or shifting; 2. flood, surface water, waves, tidal water or tidal wave, overflow B. Loss occasioned directly or indirectly by any electrical injury or dis- of streams or other bodies of water, or spray from any of the fore- turbance to electrical appliances, devices, fixtures or wiring caused by going,all whether driven by wind or not; electrical currents artificially generated unless fire as insured against 3. water which backs up through sewers or drains:or • ensues, and then this Company shall be liable for only loss caused by the ensuing fire. 4. water below the surface of the ground including that which exerts pressure on or flows, seeps or leaks through sidewalks, C. Loss caused directly or indirectly by the interruption of power or other driveways, foundations, walls, basement or other floors, or through utility service furnished to the designated premises if the interruption doors, windows or any other openings' in such sidewalks, drive- takes place away from the designated premises. If a peril insured against ways,foundations,walls or floors; ensues on the designated premises, this Company will pay only for loss unless fire or explosion as insured against ensues, and then this Company caused by the ensuing peril. shall be liable for only loss caused by the ensuing fire or explosion. VI. VALUATION The following bases are established for valuation of property: C. Valuable Papers and Records: A. The value of all stock actually sold but not delivered shall be the price 1. Books of account, manuscripts, abstracts, drawings, card at which it was sold,less all discounts and unincurred expenses. index systems and other records (except film, tape, disc, drum, B. Tenant's Improvements and Betterments: cell and other magnetic recording or storage media for electronic data processing) for not exceeding the cost of blank books, cards 1. If repaired or replaced at the expense of the named insuredt within a reasonable time after loss. the actual cash value of the or a other red material nsc plus ng or cost of labor incurred by the damaged or destroyed improvements and betterments. named insured for transcribing or copying such records. 2. If not repaired or replaced within a reasonable time after loss, 2. Film, tape, disc, drum, cell and other magnetic recording or that proportion of the original cost at time of installation of the storage media for electronic data processing for not exceeding the damaged or destroyed property which the unexpired term of the cost of such media in unexposed or blank form. lease or rental agreement, whether written or oral, in effect at the time of loss bears to the periods from the dates such improve- D. All other property at actual cash value at the time of loss, but not meets or betterments were made to the expiration date of the lease. exceeding the amount which it would cost to repair or replace the prop- 3. If repaired or replaced at the expense of others for the use of erty with material of like kind and quality within a reasonable time after the named insured,there shall be no liability hereunder, such loss, nor in any event for more than the interest of the named insured. y Form MP-100A (Ed.7-77) Page 3 of 3 • --, - . COINSURANCE CONTRACT Form MP•10' SPECIAL MULTI-PERIL POLICY \POSECTION I—SPECIAL BUILDING FORM (Ed. 7.7- r; ` .� I. PROPERTY COVERED BUILDING(S): Building(s) or structure(s) shall include attached adds. fire extinguishing apparatus, outdoor furniture, floor coverings and a M tions and extensions; fixtures, machinery and equipment constituting a pliances for refrigerating, ventilating, cooking, dishwashing and laundf permanent part of and pertaining to the service of the building(s); ma- ing (but not including other personal property in apartments or root terials and supplies intended for use in construction, alteration or repair furnished by the named insured as landlord); all while at the designal of the building(s) or structure(s); yard fixtures; personal property of the premises. --• insured used for the maintenance or service of the building(s), including II. PROPERTY NOT COVERED This policy does not cover: A. Outdoor swimming pools; fences; piers, wharves and docks; beach or C. Outdoor signs,whether or not attached to a building or structure. diving platforms or appurtenances; retaining walls not constituting a part of a building;walks,roadways and other paved surfaces. D. Lawns; outdoor trees, shrubs and plants, except as provided in B. The cost of excavations, grading or filling; foundations of buildings, Extensions of Coverage. machinery, boilers or engines whose foundations are below the undersur- face of the lowest basement floor, or where there is no basement, below E. Property which is more specifically covered in whole or in part by I' the surface of the ground; pilings, piers, pipes, flues and drains which are or any other contract of insurance, except for the amount of loss whicl,. underground;pilings which are below the low water mark. in excess of the amount due from such more specific insurance. i III. PROPERTY SUBJECT TO LIMITATIONS The following property is subject to these additional limitations: impact of watercraft, or by the pressure or weight of ice or water wheth driven by wind or not. A. Plumbing, heating, air conditioning or other equipment or appliances --.. (except fire protective s stems are not covered against F. Metal smokestacks and, when outside of buildings, (1) awnings systems) loss caused by fabric or slat construction, canopies of fabric or slat construction, inch.or resulting from freezing while the designated buildings are vacant or unoccupied, unless the insured shall have exercised due diligence with ing their supports, and (2) radio or television antennas, including th respect to maintaining heat in the buildings or unless such equipment lead-in wiring, masts or towers are not covered against loss caused and appliances had been drained and the water supply shut off during ice,snow or sleet,nor by windstorm or hail. such vacancy or unoccupancy. G. The interior of buildings is not covered against loss caused by ra, B. Steam boilers, steam pipes, steam turbines or steam engines are not snow, sand or dust, whether driven by wind or not, unless (I) the bur . , ` covered against loss caused by any condition or occurrence within such ings shall first sustain an actual damage to roof or walls by the dirt _ . boilers, pipes, turbines or engines (except direct loss resulting from the action of wind or hail, and then the Company shall be liable for loss to I explosion of accumulated gases or unconsumed fuel within the firebox, or interior of the buildings as may be caused by rain, snow, sand or dI combustion chamber, of any fired vessel or within the flues or passages direct action the oinbuildings through ail; or openings) s in the roof from ware, made which conduct the gases of combustion therefrom). direct of wind or hail; (2) such loss results fire, lightly ma -^^� aircraft, vehicles, explosion, riot or civil commotion, vandalism or ma C. Hot water boilers or other equipment for heating water are not covered cious mischief, weight of ice, snow or sleet, to the extent that such per against loss caused by any condition or occurrence within such boilers or are insured against in this policy. equipment, other than an explosion. H. Buildings or structures in process of construction, including maters D. Glass is not covered against loss for more than S50 per plate, pane, and supplies therefor, when covered under this policy, are not cover multiple plate, insulating unit, radiant heating panel, jalousie, louver or against loss unless caused by fire, lightning, windstorm, hail, aircra shutter, nor for more than $250 in any one occurrence, unless caused by vehicles, smoke, explosion, riot or civil commotion, vandalism or ma 7 fire, lightning, windstorm, hail, aircraft, vehicles, discharge from fire cious mischief, and then the Company shall be liable only to the exte protection or building service equipment, explosion, riot or civil commo- that such perils are insured against in this policy. tion, and then the Company shall be liable only to the extent that such perils are insured against in this policy. I. Property undergoing alterations, repairs, installations or servicing not covered against loss if such loss is directly attributable to the oper E. Fences, pavements, outdoor swimming pools and related equipment, tions or work being performed thereon, unless a peril not excluded I retaining walls, bulkheads, piers, wharves or docks, when covered under this policy ensues, and then the Company shall be liable for only lc: this policy, are not covered against loss caused by freezing or thawing, caused by such ensuing peril. IV. EXTENSIONS OF COVERAGE Except with respect to Extension D.Replacement Cost: (A)Each of the limits of liability specified for the following Extensions of C applies as an additional amount of insurance. (B)The Coinsurance Clause shall not apply to loss under the Extensions of Coverage. The total amount recoverable under the Extensions of Coverage in this form and Extensions of Coverage in any other form made a part of this policy not cumulative and shall not exceed the largest amount recoverable under any single form made a part of this policy. .-->t When, in accordance with the Other Insurance condition, there is Contributing Insurance, the Company shall not be liable for more than its pro rata sh: of the limits set forth in the following Extensions of Coverage. A. Newly Acquired Property: The insured may apply up to 25% of the new construction are reported to the Company, or on the expir limit of liability specified for Building(s), but not exceeding $100,000, to tion date of the policy,whichever occurs first. cover direct loss in any one occurrence by a peril not otherwise excluded 2. Buildings acquired by the insured at any location, elsewher ?I .� .3h4 r to the following described property: than at the designated premises, within the territorial limits r ' ► this policy and used for similar occupancies or warehouse pug - rf 1. New buildings and new structures being constructed on the poses. This coverage shall cease 30 days from the date of suc designated premises and intended for similar occupancy when not acquisition or on the date values of the buildings are reported t. otherwise covered by insurance. This coverage shall cease 30 days the Company, or on the expiration date of the policy, whicheve from the date construction begins or on the date the values of occurs first. ' ' Form MP-101 (Ed.7-77) Page 1 of 2 Additional premium shall be due and payable for values so reported from D. Replacement Cost: In the event of loss to a building structure covered ,........4the date construction begins or the property is acquired. _ under this policy, when the full cost of repair or replacement is less than B. 0ff-Premises:The insured may apply up to 2% of the limits of liability $1,000, the coverage of this policy is extended to cover the full cost of repair or replacement (without deduction for depreciation). Coverage shall specified for Building(s), but not exceeding $5,000, at a described Iota- lion to cover direct loss in any one occurrence by a peril not otherwise be applicable only to a building structure covered hereunder, but exclud- ing outdoor furniture, outdoor equipment, floor coverings, awnings, excluded to property covered under Building(s) while removed from and appliances for refrigerating, ventilating, designated premises for purposes of cleaning, repairing, reconstruction cooking, dishwashing and or restoration. This Extension of Coverage shall not apply to property laundering, all whether permanently attached to the building structure ,1 in transit, nor to property on any premises owned, leased, operated or or not. controlled by the insured. C. Outdoor Trees, Shrubs and Plants:The insured may apply up to$1,000 to cover outdoor trees, shrubs and plants at the designated premises The Company shall not be liable under this Extension of Coverage unless _„ against direct loss in any one occurrence by the perils of fire, lightning, the whole amount of insurance applicable to the building structure for explosion, riot, civil commotion or aircraft, but only to the extent such which claim is made is equal to or in excess of the amount produced by perils are insured against herein.The Company shall not be liable for more multiplying the co-insurance percentage applicable (specified in the than $250 on any one tree,shrub or plant, including expense incurred for Declarations) by the actual cash value of such property at the time of removing debris thereof. the loss. V. PERILS INSURED AGAINST This policy insures against all risks of direct physical loss subject to the provisions and stipulations herein and in the policy of which this form is made a part. VI. EXCLUSIONS This policy does not insure under this form against: mites or other insects;unless loss by a peril not otherwise excluded A. Loss occasioned directly or indirectly by enforcement of any ordinance ensues and then the Company shall be liable for only such ensuing or law regulating the use, construction, repair, or demolition of buildings loss; or structures including debris removal expense. 2. explosion of steam boilers, steam pipes, steam turbines or -,-,-.„ B. Loss occasioned directly or indirectly by any electrical injury or dis- steam engines (except direct loss resulting from the explosion of turbance to electrical appliances, devices, fixtures or wiring caused by accumulated gases or unconsumed fuel within the firebox, or electrical currents artificially generated unless fire as insured against combustion chamber, of any fired vessel or within the flues or ensues, and then this Company shall be liable for only loss caused by the passages which conduct the gases of combustion therefrom) if ensuing fire. owned by, leased by or operated under the control of the insured, C. Loss caused directly or indirectly by the interruption of power or other or for any ensuing loss except by fire or explosion not otherwise excluded,and then the Company shall be liable for only such ensu- utility service furnished to the designated premises if the interruption takes place away from the designated premises. If a peril insured against ensues ing loss; .] on the designated premises,this Company will pay only for loss caused by 3. vandalism, malicious mischief, theft or attempted theft, if the the ensuing peril. building had been vacant or unoccupied beyond a period of 30 D. Loss caused by, resulting from, contributed to or aggravated by consecutive days immediately preceding the loss, unless loss by of the following: an y a peril not excluded in this policy ensues, and then the Company ^"+ shall be liable for only such ensuing loss; 1. earth movement, including but not limited to earthquake, land- 4. leakage or overflow from plumbing, heating, air conditioning slide,mudflow,earth sinking,earth rising or shifting; or other equipment or appliances (except fire protective systems) 2. flood, surface water, waves, tidal water or tidal wave, overflow caused by or resulting from freezing while the building is vacant of streams or other bodies of water,or spray from any of the fore- or unoccupied, unless the insured shall have exercised due diligence with respect to maintaining heat in the buildings or unless going,all whether driven by wind or not; 3. water which backs up through sewers or drains;or ' such equipment and appliances had been drained and the water _..� supply shut off during such vacancy or unoccupancy; 4. water below the surface of the ground including that which 5. theft (including but not limited to burglary and robbery) of exerts pressure on or flows, seeps or leaks through sidewalks, any property which at the time of loss is not an integral part of a driveways, foundations, walls, basement or other floors,or through building or structure (except direct loss by pillage and looting oc- doors, windows or any other openings in such sidewalks, drive- curring during and at the immediate place of a riot or civil com- '""'1 ways,foundations,walls or floors; motion), unless loss by a peril not excluded in this policy ensues unless fire or explosion as insured against ensues, and then this Company from theft or attempted theft,and then the Company shall be liable shall be liable for only loss caused by the ensuing fire or explosion; but for only such ensuing loss; these exclusions shall not apply to loss arising from theft. 6. unexplained or mysterious disappearance of any property, or E. Loss caused by: shortage disclosed on taking inventory, or caused by any willful or 1. wear and tear, deterioration, rust or corrosion, mould, wet or dishonest act or omission of the insured or any associate, em- dry rot; inherent or latent defect; smog; smoke, vapor or gas from ployee or agent of any insured;or r..-I agricultural or industrial operations; mechanical breakdown, in- 7. continuous or repeated seepage or leakage of water or steam eluding rupture or bursting caused by centrifugal force; settling, from within a plumbing, heating or air conditioning system or cracking, shrinkage, bulging or expansion of pavements, founds- from within a domestic appliance which occurs over a period of tions, walls, floors, roofs or ceilings; animals, birds, vermin, ter- weeks,months or years. "••'1 VII. VALUATION The following bases are established for valuation of property: All property at actual cash value at the time of loss, but not exceeding the of like kind and quality within a reasonable time after such loss, nor in amount which it would cost to repair or replace the property with material any event for more than the interest of the named insured. ' Form MP-101 (Ed.7-77) Page 2 of 2 • • COINSURANCE CONTRACT SPECIAL MULTI-PERIL POLICY Form MP-101A SECTION I—SPECIAL PERSONAL PROPERTY FORM (Ed. 7-77) ( I. PROPERTY COVERED V) PERSONAL PROPERTY OF THE INSURED: Business personal property PERSONAL PROPERTY OF OTHERS: This insurance shall cover for the owned by the insured and usual to the occupancy of the insured, including account of the owner(s) (other than the named insured) personal prop- the insured's interest in personal property owned by others to the extent erty belonging to others in the care, custody or control of the insured, of the value of labor, materials and charges furnished, performed or in- while(1)in or on the building(s),or(2)in the open(including within vehi- curred by the insured; all while (1) in or on the building(s), or(2) in the des)on or within 100 feet of the designated premises. open (including within vehicles) on or within 100 feet of the designated premises. This coverage shall also include Tenant's Improvements and Betterments, meaning the insured's use interest in fixtures, alterations, installations Loss shall be adjusted with the named insured for the account of the or additions constituting a part of the building(s)occupied but not owned owners of the property, except that the right to adjust any loss with the by the insured and made or acquired at the expense of the insured exclu- owners is reserved to the Company and the receipts of the owners in sive of rent paid by the insured, but which are not legally subject to a re- satisfaction thereof shall be in full satisfaction of any claim by the named moval by the insured. insured for which payments have been made. II. PROPERTY NOT COVERED This policy does not cover: 1. Aircraft; A. Property sold by the insured under conditional sale, trust agreement, 2. Watercraft, including motors, equipment and accessories, installment payment or other deferred payment plan, after delivery to while not afloat;or customers. • B. Aircraft, watercraft, including motors, equipment and accessories ex- 3. Automobiles, trailers, semitrailers or any self-propelled vehi- cles or machines. cent rowboats and canoes, while out of water and on the designated prem- onal ises); and automobiles, trailers, semi-trailers or any self-propelled vehi- C. Personal property while waterborne. cles or machines, except such property not licensed for use on public D. Household and personal effects contained in living quarters occupied thoroughfares and operated principally on the premises of the insured. by the insured, any officer, director, stockholder or partner of the insured This provision does not apply to the following types of property when held or relatives of any of the foregoing, except as provided in the Extensions for sale or sold but not delivered: of Coverage. 1. Watercraft (including motors, equipment and accessories) E. Accounts, bills, currency, deeds, evidences of debt, money and securi- while not afloat; ties, 2. Motorcycles,motorscooters and snowmobiles;or F. Outdoor signs,whether or not attached to a building or structure. 3. Trailers designed for use with private passenger vehicles for G. Growing crops and lawns. general utility purposes or carrying boats. H. Property which is more specifically covered in whole or in part by this This provision does not apply to the following types of property when or any other contract of insurance, except for the amount of loss which is manufactured,processed or warehoused by the insured: in excess of the amount due from such more specific insurance. III. PROPERTY SUBJECT TO LIMITATIONS The following property is subject to these additional limitations: 3. Animals and pets are not covered, except when held for sale or sold but not delivered, and then only against death or destruction 1. Except for loss caused by the"specified perils": directly resulting from or made necessary by the"specified perils". I (a) Fur and fur garments are covered for not exceeding loss 4. Outdoor trees, shrubs and p in the aggregate of $1,000 in any one occurrence for all plants are not covered, except when contributing insurance. held for sale or sold but not delivered,and then only against direct loss by the"specified perils". (b) Jewelry and watches,watch movements, jewels, pearls, 5. Glass, glassware, statuary, marbles, bric-a-brac, porcelains and II precious and semi-precious stones, bullion, gold, silver, other articles of a fragile or brittle nature are covered against loss platinum and other precious alloys or metals are covered by breakage only if directly caused by the "specified perils". This for not exceeding loss in the aggregate of $1,000 in any limitation shall not apply to bottles or similar containers of property one occurrence for all contributing insurance. This limita- for sale,or sold but not delivered, nor to lenses of photographic or tion shall not apply to jewelry and watches valued at $25 scientific instruments. or less per item. 6. Steam boilers, steam pipes, steam turbines and steam engines (c) Patterns, dies, molds, models and forms are covered are not covered against loss caused by bursting, rupture, cracking for not exceeding loss in the aggregate of$1,000 in any one or explosion originating therein (other than explosion of accumu- occurrence for all contributing insurance. lated gases or unconsumed fuel within a fire box or combustion chamber). • (d) Stamps, tickets and letters of credit are covered for 7. Machines and machinery not exceeding loss in aggregate of 2250 in any one occur- Y are not covered against loss caused rence for all contributing insurance. by rupture, bursting or disintegration of their rotating or moving parts resulting from centrifugal or reciprocating force. 2. Valuable papers and records meaning books of account, menu- The term "specified perils" shall mean direct loss by fire, lightning, air- a scripts, abstracts, drawings, card index systems and other records craft, explosion, riot, civil commotion, smoke, vehicles, windstorm or including film, tape, disc, drum, cell and other magnetic recording hail to property contained in any building, vandalism and malicious mis- or storage media for electronic data processing, are covered only chief, leakage or accidental discharge from automatic fire protective • against loss caused by the"specified perils". systems. V R Form MP-101A (Ed.7-77) Page 1 of 3 r , • IV. EXTENSIONS OF COVERAGE Each of the limits of liability specified for the following Extensions of Coverage applies as an additional amount of insurance.The Coinsurance Clause shall not apply to loss under the Extensions of Coverage. The total amount recoverable under the Extensions of Coverage in this form and Extensions of Coverage in any other form made a part of this policy are , not cumulative and shall not exceed the largest amount recoverable under any single form made a part of this policy. When, in accordance with the Other Insurance condition,there is Contributing Insurance,the Company shall not be liable for more than its pro rata share of the limits set forth in the following Extensions of Coverage. A. Property at Newly Acquired Locations: The insured may apply up t0 2. the cost of repairing or replacing any of the described property, 10% of the limit of liability specified for Personal Property of the Insured, or the cost of research or other expense necessary to replace or but not exceeding$10,000,to cover direct loss in any one occurrence by a restore books of account, manuscripts, abstracts, drawings, card peril not otherwise excluded to such property at any location (except index systems, film, tape, disc, drum, cell and other magnetic fairs and exhibitions) acquired by the insured for similar occupancies or recording or storage media for electronic data processing, and warehousing purposes, elsewhere than at the designated premises within other records that have been damaged by a peril not otherwise the territorial limits of this policy.This coverage shall cease 30 days from excluded, except cost in excess of the normal cost of such repair, the date of such acquisition or on the date values at such locations are replacement or restoration necessarily incurred for the purpose reported to the Company,or on the expiration date of the policy,whichever of reducing the total amount of extra expense. In no event shall occurs first. Additional premium shall be due and payable for values so such excess exceed the amount by which the total extra expense reported from the date the property is acquired. otherwise payable under this Extension of Coverage is reduced; or B. Personal Effects:The insured may apply up to$500 to cover direct loss 3. any other consequential or remote loss. in any one occurrence by the perils not otherwise excluded to personal E. Damage to Buildings from Theft, Burglary or Robbery: This policy in- effects while located on the designated premises, belonging to the insured, cludes loss(except by fires or explosion) to that part of the building oc officers, partners or employees thereof, and limited to $100 on personal cupied by the insured and containing property covered, and to equipment a effects owned by any one individual. This Extension of Coverage does not therein pertaining to the service of the building but not building property apply if the loss is covered by any other insurance, whether collectible or or equipment removed from premises, directly resulting from theft, not, or which would have been covered by such other insurance in the burglary or robbery (including attempt thereat), provided the insured is absence of this policy. At the option of the Company, loss under this Ex- the owner of such building or equipment or is liable for such damage, but tension of Coverage may be adjusted with and payable to the insured. in no event shall this coverage apply to glass (other than glass building iir C. Valuable Papers and Records: The insured may apply up to $500 to blocks)or to any lettering or ornamentation thereon. cover direct loss in any one occurrence by a peril not otherwise excluded F. Transportation: The insured may apply up to $1,000 to cover insured to valuable papers and records consisting of books of account, manu- personal property (other than property in the care, custody or control of scripts, abstracts, drawings, card index systems, film, tape, disc, drum, salesmen) during transportation by motor vehicles owned, leased or oper- cell and other magnetic recording or storage media for electronic data ated by the insured for loss in any one occurrence caused by: processing, and other records,all the property of the insured at designated premises. This Extension of Coverage covers only the cost of research and 1. fire, lightning, windstorm and hail, explosion, smoke, riot, riot other expense necessarily incurred by the insured to repoduce, replace attending a strike and civil commotion, vandalism and malicious ie or restore such valuable papers and records. The total amount payable mischief;or in any one occurrence under this Extension of Coverage shall not exceed 2. collision, overturning or upset of the vehicle; meaning thereby t4, the limit specified above, regardless of the number of premises designated the violent and accidental contact of the vehicle conveying the in the Declarations. property described herein with any other vehicle or object exclud- D. Extra Expense: The insured may apply up to $1,000 to cover the ing any loss or damage done by coming in contact with any portion necessary extra expense incurred by the insured in order to continue as of the road bed or by means other than as expressly indicated;or nearly as practicable the normal operations of the insured's business 3. theft of an entire shipping bale, case or package from a vehicle immediately following damage by a peril not otherwise excluded under this while such-property is contained in a fully enclosed and securely form to the buildings or personal property situated at the designated locked body or compartment and theft results from forcible entry, premises. evidenced by visible marks upon such body or compartment. "Extra expense" means the excess of the total cost incurred during the G. Non-Owned Personal Property: The insured may apply at each loca- tion of restoration chargeable to the operations of the insured's business tion up to 2% of the limit of liability specified for Personal Property of over and above the total cost that would normally have been incurred to the Insured at such location, but not exceeding $2,000, as an additional conduct the business during the same period had no loss occurred. Any amount of insurance,to cover for the account of the owners thereof(other salvage value of property obtained for temporary use during the period of than the named insured) direct loss by a peril insured against to per- -+ restoration, which remains after the resumption of normal operations, sonal property,similar to that covered by this policy, belonging to others shall be taken into consideration in the adjustment of any loss hereunder. while in the care, custody or control of the named insured and all while "Period of restoration" means that period of time, commencing with the (1)in or on the building(s),or(2)in the open (including within vehicles) date of damage and not limited by the date of expiration of this policy,as on or within 100 feet of the designated premises. would be required with the exercise of due diligence and dispatch to repair, Loss shall be adjusted with the named insured for the account of the rebuild or replace such part of said buildings or personal property as have owners of the property, except that the right to adjust any loss with the been damaged. owners is reserved to the Company and the receipts of the owners in - a satisfaction thereof shall be in full satisfaction of any claim by the named The Company shall not be liable under this Extension of Coverage for: insured for which payments have been made.As respects personal property belonging to others, this provision shall replace any loss payable provision I. loss of income; of this policy. V. PERILS INSURED AGAINST This policy insures against all risks of direct physical loss subject to the provisions and stipulations herein and in the policy of which this form is made a part. I, al i, Form MP-101A (Ed.1-17) Page 2 of 3 VI. EXCLUSIONS — A. This policy does not insure under this form against loss caused by: accumulated gases or unconsumed fuel within the firebox, or the use, con- combustion chamber, of any fired vessel or within the flues or 1. enforcement of any ordinance or law regulating struction, repair, or demolition of property, including debris re- passages which conduct the gases of combustion therefrom) if k I moval expense; owned by, leased by or operated under the control of the insured, ..� or for any ensuing loss except by fire or explosion not otherwise 2. unexplained or mysterious disappearance of property, or short- excluded, and then the Company shall be liable for only such age of property disclosed on taking inventory; ensuing loss; 3. actual work upon, installation or testing of property covered, 9. voluntary parting with title or possession of any property by failure, breakdown or derangement of machines or machinery, the insured or others to whom the property may be entrusted if error, omission or deficiency in design, specifications, workman- induced to do so by any fraudulent scheme, trick, device or false ship or materials; unless loss by fire or explosion not otherwise pretense; excluded ensues and then the Company shall be liable for only such 10. any fraudulent, dishonest or criminal act done by or at the ensuing loss; instigation of any insured, partner or joint adventurer in or of 4. any electrical injury or disturbance to electrical appliances, de- any insured, an officer, director or trustee of any insured; pil- vices, fixtures or wiring caused by electrical currents artificially ferage, appropriation or concealment of any property covered due generated unless fire as insured against ensues, and then this to any fraudulent, dishonest or criminal act of any employee while Company shall be liable for only loss caused by the ensuing fire; working or otherwise, or agent of any insured, or any person to 5. leakage or overflow from plumbing, heating, air conditioning or whom the property covered may be entrusted; other equipment or appliances (except fire protective systems) 11. continuous or repeated seepage or leakage of water or steam caused by or resulting from freezing while the described building from within a plumbing, heating or air conditioning system or is vacant or unoccupied, unless the insured shall have exercised from within a domestic appliance which occurs over a period of due diligence with respect to maintaining heat in the buildings or weeks,months or years;or unless such equipment and appliances had been drained and the 12.rain,snow or sleet to property in the open. water supply shut off during such vacancy or unoccupancy; 6. delay, loss of market, interruption of business, nor consequen- tial loss of any nature; B. This policy does not insure under this form against loss caused directly or indirectly by the interruption of power or other utility service furnished 7, (a)wear and tear,marring or scratching; to the designated premises if the interruption takes place away from the (b)deterioration,inherent vice,latent defect; designated premises. If a peril insured against ensues on the designated premises, this Company will pay only for loss caused by the ensuing peril. (c)rust,mold,wet or dry rot,contamination; (d) dampness or dryness of atmosphere, changes in or C. This policy does not insure under this form against loss caused by, extremes of temperature; resulting from,contributed to or aggravated by any of the following: (e) smog, smoke from agricultural smudging or industrial 1. earth movement, including but not limited to earthquake, land- operations;or slide,mudflow,earth sinking,earth rising or shifting; 4 ' - (f)birds,vermin,rodents,insects or animals; 2. flood, surface water, waves, tidal water or tidal waves, overflow -> of streams or other bodies of water,or spray from any of the fore- unless loss by fire, smoke (other than smoke from agricultural going,all whether driven by wind or not; smudging or industrial operations), explosion, collapse of a build- ing, glass breakage or water not otherwise excluded ensues, then 3. water which backs up through sewers or drains;or this policy shall cover only such ensuing loss. 4. water below the surface of the ground including that which II loss by water not otherwise excluded ensues, this policy shall exerts pressure on or flows, seeps or leaks through sidewalks, also cover the cost of tearing out and replacing of any part of the driveways, foundations, walls, basement or other floors, or through building covered required to effect repairs to the plumbing, heat- doors, windows or any other openings in such sidewalks, drive- ing or air conditioning system or domestic appliance but excluding ways,foundations,walls or floors; loss to the system or appliance from which the water escapes; unless fire or explosion as insured against ensues, and then this Com- 8. explosion of steam boilers, steam pipes, steam turbines or pany shall be liable for only loss caused by the ensuing fire or explosion; steam engines (except direct loss resulting from the explosion of but these exclusions shall not apply to loss arising from theft. VII. VALUATION The following bases are established for valuation of property: C. Valuable Papers and Records: A. The value of all stock actually sold but not delivered shall be the price 1. Books of account, manuscripts, abstracts, drawings, card at which it was sold,less all discounts and unincurred expenses. index systems and other records (except film, tape, disc, drum, B. Tenants'Improvements and Betterments: cell and other magnetic recording or storage media for electronic data processing) for not exceeding the cost of blank books, cards 1. If repaired or replaced at the expense of the named insured or other blank material plus the cost of labor incurred by the within a reasonable time after loss, the actual cash value of the named insured for transcribing or copying such records. damaged or destroyed improvements and betterments. 2. Film, tape, disc, drum, cell and other magnetic recording or 2. If not repaired or replaced within a reasonable time after loss, storage media for electronic data processing for not exceeding the that proportion of the original cost at time of installation of the cost of such media in unexposed or blank form. damaged or destroyed property which the unexpired term of the lease or rental agreement, whether written or oral, in effect at the time of loss bears to the periods from the dates such improve- D. All other property at actual cash value at the time of loss, but not ex- ments or betterments were made to the expiration date of the lease. ceeding the amount which it would cost to repair or replace the property 3. If repaired or replaced at the expense of others for the use of with material of like kind and quality within a reasonable time after such the named insured,there shall be no liability hereunder. loss, nor in any event for more than the interest of the named insured. tf Form MP-101A (Ed.7-77) Page 3 of 3 . - .F_::--. . . - • PROPOSAL FORM REQUIREMENTS GENERAL LIABILITY Name or type of policy being proposed Name of Insurance Company: The Hartford • Address of home office:_ Hartford Plaza, Hartford, Connecticut• �- Authorized agent submitting proposal: Franks & Scott Co. • • • Claims office from which all claims will be made: Denver Local Claims Office Address:—__P_,__p . Box 22815 _ _-- _Denver. CO 80222 -- _--_ Claims handled by Staff Adjusters Staff or independent adjusters (name) Current best 's ratings A-XV Effective date of policy(s) : 1/15/80 • The basis upon which rates are arrived at should be explained: Underwriting questionnaire submitted by Weld County Type coverage: General Liability Premium (annual.) broken clown Per Schedule Attached Deviations from coverage, limits, conditions, etcetera, mentioned in specifications: As Noted Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, specific 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 ' Ions funds will be conr,i.derect. • Excess insurance carriers will be: See Umbrella We will abide by the specifications and requirements in this document except for deviations agreed to. : Agent Agency Agent ----- ranks-and-Scott - a: -_ • 1 A. COMPREHENSIVE GENERAL LIABILITY The following ratable exposures are presented as determined from the underwriting questionnaire information. It is assumed that where no ratable exposure was reported, that no exposure exists and no premium is calculated or coverage provided. All coverages at $500,000.00 Combined Single Limit - excess in. Umbrella. 1. Premises Operation $83,558.00 (Now including a large premium increase for road and bridge exposures, as compared to a nominal charge three years ago.) 2. Products/Completed Operations (M & C) $63,872.00 3. Host Liquor No Charge 4. Other Completed Operations $ 87.00 5. Advertiser Liability No Charge 6. Employee Benefit Liability $ 96.00 ($25,000 per claim) ($75,000 per policy year) ($1,000 deductible per claim) 7. Personal Injury (Excluding Police) $ 4,852.00 8. Optional Personal Injury (to delete the employee exclusion) $ 7,278.00 9. Owners, Contractors Liability (Independent Contractors) $ 424.00 10. Blanket Contractual $ 123.00 (Not Broad Form) (Coverage only when Company is notified and a premium is charged) 11. Broad Form Property Damage $ 5,066.00 12. Incidental Malpractice (Ambulance Services) $ 2,700.00 13. Public Official Errors and Omissions $10,074.00 ($100,000/$1,000,000) ($500.00 deductible) (United Fire & Casualty Company) j • PROPOSAL FORM REQUIREMENTS • ALT':1rIATfl rnnPfSAL nl CO1 !'5'1 CIAl. AUTO Name — Name or type of policy being proposed Name of Insurance Company: T+, Yartfor.d Address of home office: rtforc0 Plaza. Hartford, Connecticut Authorized agent submitting proposal: cranks & Scott Co. Claims office from which all claims will be made:Denver Local (;Jams Pffice Address P. O. ^nx 2215 . _� Denver, co R0222 Claims handled by Staff Aillustcrs Staff or independent adjusters (name) Current best's ratings L Effective date of policy(s) :. 1/15/C0 The basis upon which rates are arrived at should be explained. 1 Type coverage: See attached Alternate Proposal. Premium (annual) broken down See attached Deviations from coverage, limits, conditions, etcetera, mentioned .in specifications: See attached y Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, specific 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 Excess insurance carriers will be: See 1'nlhrella We will abide by the specifications and requirements in this document except for deviations agreed to. Agent Agency Agent dn11-8 cr. • ALTERNATE PROPOSAL #1 COMIMRCIAL AUTO To compare existing coverages and premiums for a renewal situation based upon 206 vehicles scheduled. Coverage is $500,000/1,000,000/200,000 Bodily Injury and Property Damage, $100 Deductible Comprehensive and $100 Deductible Collision on special vehicles (leased, ambulances and as requested previously). Renewal quotation now reflects a 35% credit on Bodily Injury and Property Damage coverages and 10% credit on Physical Damage coverages. Note: A reduction of $28.15 per unit per year is a result of the above indicated credits. 4 Annual Premium as Follows Bodily Injury & Property Damage $34,680.00 1Personal Injury Protection 2,108.00 Uninsured Motorist 410.00 Comprehensive $100 Deductible 832.00 Collision $100 Deductible 2,976.00 $41,006.00 1 I PROPo AL I?ONr iflc ll ivmrNm ALTI;PPATE PROPOSAL 112--- C(lin'T.CIAL AT'TO Name or type of policy being proposed N¢,mc of insurance Company: The Dartford Address or home office: Hartford Plaza, Hartford, Connecticut Authorized agent submitting proposal : Franks & Scott Co. Claims office from which all claims will he made: Denver Local Claims Office Address: e r ... ___. _._._P. SL_PDX 22S15 __Dense--._Co 8m22 Claims handled by Staff Adjusters Staff or independent adjuster:; (name) q. Current best 's ratings A—'7 E1I',ctiv', eite of policy (.) : 1/1S/80 lbe basis upon which rates are arrived at should be explained. Type coverage : Sen attached Alternate Proposal 12 Premium (annual ) broken clown see attached Devi ations; lion coveraCle, limits, conditions, etcetera, mentioned in shecih ealions : See attached Self-,insurance company should comply with all applicable items and explain in great: detail the coverages, limits, exceptions, specific excess and pre- mium, eggrnnate execs,; and premium, foe and loss fund is arrived at and basis for leaner changes . Alternate specific stop loss and loss funds will be considered . Excess insurance flat riors: will be. ir_c_1tlhrel.7,g tic will nhide by the : pecifixations and requirements in this document except Cor iru inns amin.rrl tn. Aciv.ncy Argent ranks and Scott o. 1 } ALTERNATE PROPOSAL #2 COMMERCIAL AUTO To provide Knits of Liability to meet maximum requirements of State of Colorado for governmental entities, to include $5,000 Medical Payments coverages not presently written or included in Alternate Proposal #1, and to show cost to include $100 Deductible Comprehensive on all vehicles. Bodily Injury & Property Damage ($150,000/$400,000/$400,000) $28,876.00 $5,000 Medical Faynents 794.00 $100 Deductible Comprehensive on all Vehicles 11,371.00 B. FIDELITY COVERAGE 1. Employee Fidelity - $100,000 per occurrence • 2. Money and securities - $100,000 per each and every occurrence at each location. Eroad Form. 3. Securities and Physical Damage - $1,000,000 per occurrence All of these are presently provided for and require only minor adjustments upon receipt of renewal applications i.e. , deleting Airport and fospital should lower premium less than $100 per year. 1 PROPOSAL FORM REQUIREMENTS • • • S • INLAND MARINE Name or type of policy being proposed • Name of Insurance Company: Northwestern National Insurance Croup Address of home office: c/o Talbot, Bird & Co. , Inc. Authorized agent submitting proposal: Franks & Scott Co. i Claims office from which all claims will be made: Address: Milwaukee, Wisconsin Claims handled by Denver Regional Claims • • Staff or independent adjusters (name) Various Current best's ratings ,?+ XV Effective date of policy(s) : 1-15-30 • . The basis upon which rates are arrived at should be explained. 0 See "C" - Inland Marine Type coverage: • • Premium (annual) broken down See attached . Deviations from coverage, limits, conditions, 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: Not Applicable • • We will abide by the specifications and requirements in this document except for deviations agreed to. Agent Agency • Agent ranks and S�•tt •. 4 1 C. INLAND MARINE - CONTRACTOR'S EQUIPMENT COVERAGE - ALL RISK This coverage has now posed a problem for the Underwriters. Mile it is true that an "asset list" was provided, it was determined that the cost figures reflected in the information were of little help to determine the actual cash value or replacement cost of the large number of items to be considered for insurance coverage. Rather than omit this exposure from our quotation, it is generally agreed that some assumptions must be made at this time. The following, therefore, is submitted for your consideration in the form of a dual proposal showing the differences in Replacement Cost vs Actual Cash Value coverages: Replacement Costs: Actual Cash Values: Owned, leased rented equipment Oned, leased, rented equipment assuming values of $3,000,000 and assuming actual cash values of $3,500,000. $1,750,000. 1 Deductible: 17 with $100. Minimum Deductible: 17 with $100. No Maximum. Minimum - $500. Maximum 1 Catastrophy Limit: $1,500,000. Catastrophy Limit: S75O,OOO. Need statement of values to be worked (Same) out by Insured in co—operation with Carrier and Agent. !.utomatic requisitions covered subject (Same) to annual adjustment 1 Annual Cost: Annual Cost 1 $3,000,000 replacement cost $18,750.00 $l,75°,O00. actual cash value ^3,500,000 x21,£375.00 $10,933.00 • 1 1 M tl • • I PART II ADDITIONAI, COVERAGE SPECIFICATIONS AND SERVICE SPECIFICATIONS I II • 1�1 , h . I PART II • ADDITIONAL COVERAGE SPECIFICATIONS • i PROPERTY a 1. No Coinsurance Clause or Requirement. (agreed amount) iAvailable? Yes x No • Add'l Cost (or%) I 2. All Risk Replacement to buildings without listing properties. blanket i (hut must have statement Available? Yes x No Cost of values to rate) } 1 3. All Risk Replacement to contents without scheduling values. Sane as #2 Available? Yes X No Cost 9 4. All Risk Replacement to structures other than buildings. Same as #2 . 1Available? Yes ;{ No Cost 5. Automatic coverage on newly acquired property, including contents, anywhere in the world without notice. ' Available? Yes ' No Y Cost I 6. Automatic All Risk Builders Risk, without additional premium. Available? Yes No ;t Cost I 7. Buildings and Contents do not have to be replaced to recover replacement cost. Available? Yes R No Cost no charge 4 8. All Risk to include collapse of buildings or parts thereof (except • normal settling, shrinkage or expansion) . • Available? Yes X No Add'l Cost (or %) 9. All Risk to include Flood Damage ($250,000 Annual Aggregate) . • .See DIC Coverage Available? Yes No X Add'l Cost (or %) 0 10. All Risk to include loss by freezing whether buildings are occupied or vacant. 30 day limitation ••• Available? .Yes No ;; Cost per policy I • 11. All Risk to include water damage from backing up of sewers and wind driven rain. • Available? Yes No X Add 'l Cost (or%) 12. All Risk to include damage by surface water, waves, tidal wave or spray from any of these. 4 Available? Yes No X Add'l Cost (or %) 13. All Risk to include earthquake (at desired occurrence and aggregate ggregate limits -- All Properties.) . • See DIC Coverage Available? Yes No '1 Add 1 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. See 31) Insurance Agreement Available? Yes No X Cost II, III, IV 16. Coverage to include all glass and fine arts at all locations, and ;1 . including loss caused by Vandalism and Malicious Mischief. . Plate Glass must be scheduled To be determined Available?. Yes x No Add'l Cost (or %) however No breakage 17. Replacement to extend to any additional cost for rebuilding or repairing. to meet ordinance requirements.. to be determined Available? Yes X No Add'l Cost (or %) specify item(s) 18. Demolition coverage to undamaged portions of building. to he determined Available? Yes X No Add'l Cost (or %) specify item(s) 19. Time Element Coverages A) Is the cost to reproduce EDP Media covered? no request for time element or EDP in these • Yes No Add 'l Cost .(or %) specs. Please clarify B) Is coverage available for loss of tax revenues from various sources other than tax. base. Yes No X Add'l Cost (or %) • ADDITIONAL COVERAGE SPECIFICATIONS CASUALTY I 1. Broad form named insured to include all employees and other agencies or directly connected organizations. Available? Yes x No . Cost 2.. All Officials to be included as additional insureds . Available? Yes X No Cost 3. Personal Injury Liability to include Libel, Slander, Defamation of Character, Invasion of Privacy, Wrongful Eviction, Discrimination, ej * Shock and Mental anguish. Delete Employee Exclusion. Include Ad- 'Jot Shock Liability. Available? Yes X No Cost 7 77 or %) . 4. Care, Custody and Control coverage. } Available? Yes No x • Cost (or %) 5. . Blanket Contractual Liability, without submission of contracts. • Available? Yes ` No x 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. See auto liability Available? Yes X No X Cost quotation 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. • + School related Available? Yes. x No Add'l Cost (or %) ' 8: Liquor Liability to be included. Host and'Sales. Available? Yes I?ost No Sales Add'l Cost —0— (or %) 4 9. Errors and Omissions to be included. Occurrence Basis. Available? Yes X No Add'l Cost (or %) 1 , 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 y Add'l Cost (or %) 11. Malpractice Liability to be included? (Excluding Hospital Malpractice) Available? Yes x No Add'l Cost (or $) incidental A- only 12. No owned aircraft to be included. • Available? Yes No X Add'l Cost (or %) • ALL FORMS FOR GENERAL AND AUTO LIABILITY ARE TO BE SUBMITTED FOR REVIEW. • • ALL E & O AND D & O FORMS ARE TO BE SUBMITTED FOR REVIEW. 1 • THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. 7'•ote: This question is answered in the affirmative assuming that the definition of malpractice liability applies to the operation of the County's health Department. Coverage, however, is currently provided.under the existing St. Paul "Comprehensive hospital Liability" form. It is therefore assumed that no rating changes exist or any additional coverage is under consideration at this tine. lease see existing form attached for your information. if • • • • • • • • • 3 iin lrvh(11- littli.a1JlyL r1JJt'i , HI LIHi{LliI VY • ,.....4 .... . _ ..,.. Prgx>N6 Lul)lip For Attachment to The St. Paul Liability Policy P ART B k.urxtie Not complete r INSURING AGREEMENTS without Port A I. The'Company will pay on behalf of the Insured all sums which the (h) to bodily injury to any employee of the Insured arising nut of and in Insured shall become legally obligated to pay as damages because of: the course of his employment by the Insured or to any obligation of COVERAGE A — PROFESSIONAL LIABILITY the Insured to indemnify another because of damages arising out of Injury to any person arising out of the rendering of or failure to render such injury;but this exclusion does not apply to liability assumed by professional services by the Insured or any other person for whose act the the Insured under any contract; Insured is legally liable; (i) to property damage to COVERAGE B — PERSONAL INJURY LIABILITY (1) property owned or occupied by or rented to the Insured, (2) property used by the Insured,or '? Personal Injury sustained by any person or organization; (3) property in the care, custody or control of the Insured or as to COVERAGE C — BODILY INJURY LIABILITY -which the Insured is for any purpose exercising physical control; Bodily Injury to which this insurance applies,caused by an occurrence; but parts (2) and (3) of this exclusion do not apply with respect to COVERAGE D —PROPERTY DAMAGE LIABILITY liability under a written sidetrack agreement and part (3) of this ex- clusion does not apply with respect to property damage (other than Property Damage to which this insurance applies caused by an occurrence; to elevators) arising out of the use of an elevator at premises owned and the Company shall have the right and duty to defend any suit against • by,rented to or controlled by the Named Insured; the Insured seeking such damages, even if any of the allegations of the suit (j) to the rendering of or failure to render professional services. are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the Company II. COVERAGE PERIOD AND TERRITORY shall not be obligated to pay any claim or judgment or to defend any suit APPLICABLE TO COVERAGE A after the applicable limit of the Company's liability has been exhausted by This insurance applies to professional services pert ormed during the payment of judgments or settlements. coverage period. IA Exclusions APPLICABLE TO COVERAGE B COVERAGE A DOES NOT APPLY: This insurance applies only to such offense committed during the (a) to bodily injury to any employee of the Insured arising out of and in coverage period within the policy territory. course of his employment by the Insured; APPLICABLE TO COVERAGES C AND D y (b) to any obligation for which the Insured or any carrier as his insurer This insurance applies only to bodily injury or properly damage which may be held liable under any workmen's compensation, unemploy- occurs during the coverage period within the policy territory. ment compensation or disability benefits law, or under any similar III. PERSONS INSURED law; Each of the following is an Insured under this insurance to the extent (c) to the ownership, maintenance, operation, use, loading or unloading of any motor vehicle,trailer,watercraft or aircraft; set forth below: Idl to property damage; (a) if the Named Insured is designated in the Declarations as an individual, ',Ithe person so designated but only with respect to the conduct of a COVERAGE B DOES NOT APPLY: business of which he is the sole proprietor, and the spouse of the (a) to personal injury arising out of the willful violation of a penal statute Named Insured with respect to the conduct of such a business; • or ordinance committed by or with the knowledge or consent of any (b) if the Named Insured is designated in the Declarations as a partnership 'q Insured; or joint venture, the partnership or joint venture so designated and (b) to personal injury arising out of any publication or utterance de- any partner or member thereof but only with respect to his liability as scribed in Group B, if the first injurious publication or utterance of such; the same or similar material by or on behalf of the Named Insured (c) if the Named Insured is designated in the Declarations as other than was made prior to the effective date of this insurance; an individual, partnership'or joint venture, the organization so desig' (c) to personal injury arising out of a publication or utterance described naiad and any executive officer,•trustee, director or stockholder in Group B concerning any organization or business enterprise,or its thereof while acting within the scope of his duties as such; I products or services, made by or at the direction of any Insured with (d) Named Insured's hospital adminstrator or superintendent; knowledge of the falsity thereof; (e) if indicated by an "X" in the appropriate box on the Schedule, any Id) to the rendering of or failure to render professional services; authorized volunteer worker or employee of the Named Insured COVERAGES C AND 0 DO NOT APPLY: (except interns, externs, residents, dental, osteopathic or medical Y let to bodily injury or property damage arising out of the ownership, doctors)but only while acting within the scope of their duties as such; maintenance, operation,use,loading or unloading of provided that no person shall be an Insured under paragraph (e) with (1) any automobile or aircraft owned or operated by or rented or respect to; loaned to any Insured,or (1) injury to any fellow employee of such person injured in the (2)' any other automobile or aircraft operated by any person in the course of his employment,or course of his employment by any Insured; (2) property damage to property owned,occupied or used by,rented but this exclusion does not apply to the parking of an automobile on to, in the care, custody or control of, or over which physical premises owned by, rented to or controlled by the Named Insured'or control is being exercised for any purpose by (Al another em- . the ways immediately adjoining, if such automobile is not owned by ployee of the Named Insured or (B) the Named Insured or rented or loaned to any Insured; (f) any person (tither than an employee of the Named Insured) or or. '9 (I) to bodily injury or property damage arising out of the discharge,dis' ganizatiory while acting as real estate manager for the Named Insured; persal, release or escape of smoke, vapors, soot, fumes, acids,alkalis, and toxic chemicals, liquids or gases, waste materials or other irritants, (9) with respect to the operation, for the purpose of locomotion upon a contaminants or pollutants into or upon land,the atmosphere or any public highway, of mobile equipment registered under any motor we- water course or body of water; but this exclusion does not apply if hide registration law, • such discharge,dispersal,release or escape is sudden and accidental; (i) an employee of the Named Insured while operating any such • It) to any obligation for which the Insured or any carrier as his insurer equipment in the course of his employment,and I may be held liable under any workmen's compensation, unemploy- lit) any other person while operating with the permission of the ment compensation or disability benefits law, or under any similar Named Insured any such equipment registered in the name of the law; Named Insured and any person or organization legally respon• 22719 Ed. 9. 74 P,.med •n U.5 A. • stole tor such operation, but only if there is no other valid and (21 property damage to property owned by, rented to, in charge a collectible insurance available, either on a primary or excess or occupied by the Named Insured or the employer of any'der t! basis, to such person or organization; son provided that nu person or organization shall be an Insured under this This insurance describedsubparagraph does not apply to the conduct of an paragraph (g) with respect to: applyy partnership A joint venture of which the ell bodily injury to any fellow employee of such person injured in designated in e is partner thi coverage form as aNa ed Insuredember and which is no the course of his employment,or I'd CONDITIONS 1. DEFINITIONS • 1 • included within the completed operations hazard and (2) all bodily inju, a APPLICABLE TO COVERAGE A ' - included within the products hazard shall not exceed(A) the limit of 6odi' • "Professional Services" includes the liability of the Insured arising out of injury liability stated in the Schedule as "aggregate"or (BI if bodily inju' • the service by any person as a member of a formal accreditation or similar "aggregate" is not shown in the Schedule, the "aggregate" limit will t board or committee of the Insured,or as a person charged with the duty.of $50,000 if the "each occurrence" limit is $50,000 or less. If the "eac executing directives of any such board or committee and counter claims in occurrence" limit exceeds $50,000, the "aggregate"limit shall become 0 suits brought by the Insured to collect fees or other charges. same limit automatically. APPLICABLE TO COVERAGE B Coverage D —The total liability of the Company for all damages be Personal Injury means only those'damages which are payable because of cause of all property damage sustained by one or more persons or orgar the following offenses committed in the conduct of the Named Insured's zatps as the result of any one occurrence shall not exceed the limit , 3 business; property damage liability stated in the Schedule as applicable to "ear occurrence a Group A — false arrest, detention or imprisonment, or malicious ", iprosecution; Group Subject to the above provisions respecting"each occurrence"the tot B — the publication or utterayce of a libel or slander or of liability of the Company for ell damages because of all property damage disparaging albel or a which this coverage applies and described in any of the numbered su'. ofotherdefamatory ior of agingmaterial,orir a publicationf atcy; paragraphs below shall not exceed (A) the limit of property dame, • except utterance in violation utterances fan individual's the course of privre- liability stated in the Schedule as "aggregate" or (B) if property dame. g ce to advertising,publications or en inon telecasting ofac or tres "aggregate" is not shown in the Schedule, the "aggregate" limit will I conducted by or on behalf of the Named Insured; $25,000 if the "each occurrence" limit is 525,000 or less. II the "eat occurrence" limit exceeds 525,000, the "aggregate"limit shall become tr Group C — wrongful entry or eviction, or other invasion of the right same limit automatically. of private occupancy, (1) all property damage arising out of and occurring in the course r 2. LIMITS OF LIABILITY APPLICABLE TO COVERAGE A operations performed for the Named Insured by independent co • • tractors and general supervision thereof by the Named Insure, SI The limit of liability stated in the Schedule as applicable to "Each Claim" including any such property damage for which liability is assume is the limit of the Company's liability for loss resulting from any one claim under any contract relating to such operations, but this subparagrap or suit or all suits because of injury to or death of any one person. The (11 does not include property damage arising nut of maintenance r limit of liability stated in the Schedule as"Aggregate"(which amount shall repairs at premises owned by or rented to the Named Insured] d he three times the dollar amount of the "each claim" limit) is, subject to structural alterations at such premises which do not involve chanyB, the above provision respecting "each claim", the total limit of the Com- the size of or moving buildings or other structures; pany's liability during the effective coverage period. The inclusion in this (2) all property damage included within the products hazard and a coverage form of more than one Insured shall not operate to increase the property damage included within the completed operations hazard, limits of the Company's liability. Such aggregate limit shall apply separately to the property damage describe APPLICABLE TO COVERAGE B in subparagraphs(1) and (2) above. 1 Regardless of the number of (1) Insureds under this Coverage Form, Coverages C and 0 — For the purpose of determining the limit of th 21 persons or organizations who sustain personal injury,or (3) claims made Company's liability, all bodily injury and property damage arising out r or suits brought on account of personal injury,the total limit of the Com- continuoushat or repeated exposure to substantially the same general cot pany's liability under this coverage for all damages shall not exceed the ditions shall be considered as arising out of one occurrence. limit of person:i irury liability stated in the Schedule as"aggregate". I APPLICABLE TO COVERAGES C AND D 3. Regardless of the number of (1) Insureds under this Coverage Form, The following ol terms owiinDgED CONDITIONS rre added when used as the premium basis: 12) persons or organizations who sustain bodily injury or property damage, or(31 claims made or suits brought on account of bodily injury or property Outpatient Visits. Out patient period visits y patients til mean who hd total ecmber o visits made during the coverage by do not receive ber damage,the Company's liability is limited as follows: Coverage C — The total liability of the Company for all damages,in. and board services.h . s eluding damages for care and loss of services, because of bodily injury per bed daily number of u beds tow beds,d the "per bed"rate sous apply it bs the t average ver of cribs and bassinets used to sustained by one f more persons as the result of any one occurrence shall patients during the period the coverage is in lone. not exceed the limit of bodily injury liability stated in the Schedule as ap- plicable to "each occurrence." Beds. The daily average number of beds, cribs end bassinets shall tt, ! the sum of the daily number of beds, cribs and bassinets used for patient • Subject to the above provisions respecting"each occurrence" the total each day of the period the coverage is in force, divided by the number o liability of the Company for all damages because of III all bodily injury days in such period. • • ADDITIONAL COVERAGE SPECIFICATIONS CRIME 1 . Broad Form Money and Securities. $100,000 per loss (D.D.&D. ) . Available? Yes X No _ Add'l Cost Included presently 2. Employee Fidelity of all employees to be included . $100,000 per occurrence. Available? Yes i, No Add'l Cost Included presently 3. Fine Arts Coverage. All Risk per loss. No value scheduling required. Automatic coverage for new acquisitions. Available? Yes X No Add 'l Cost 4 . Blanket Crime Rating ! Yes X No • ALL CRIME COVERAGE FORMS ARE TO BE SUBMITTED FOR REVIEW. THIS FORM MUST BE COMPLETED AND RETURNED WITH FINAL PROPOSAL. rote: This Additional Coverage is presently provided for under the existing programs and reflect no additional exposure or coverage. • • • • 11 i I`1:t)I'lr:,At, FORM Iil;t,)UI Rh: I:N'I'S • Name or type of policy being proposed • 1 Name of insurance Company: Great Atlantic Insurance Company of Delaware Address of home office: 59 Joan St.. New York, N.Y. 10038 Authorized agent submitting proposal: Franks & Scott Co. Claims office from which all claims will be made: fA?l Tlusiness Services, Inc. Address: 1220 11th Avenue - -- w�______.._.. ---—__ _ Greeley.ee1ei Colo, 30631 ---_—___-----�--� Cia ire, handled by Staff or independent adjusters (name) As above 1 Current best's ratings A. VIII Effective date of pul icy(s ) 1-15-80 The basis upon which rates are arrived at should be explained. Type coverage: See Attached Notation Premium (annual ) broken down See Attached Deviations from coverage, limits, conditions, etcetera, mentioned in specifications: None Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, specific excess and pre- mium, aggregate excess; and premium, fee and loss fund is arrived at and basis for: future change:;. Alternate specific stop loss and loss funds will he considered. Excess insurance carriers will. be: Mot Applicable We will abide by the specifications and requirements in this document except for dev i a l i ons agreed to. • A'y:nt: Agency Agent s — -- ranks-m;(1-36o 36o -h- c}�- FRANKS t & SCOTT CO. DEAN' f D 5`"I�",1 �7� `? FRE`St4 lejeS INSURANCE MANAGERS `�i!1LL LOS ANGELI PORTLAr. DEC 3 1 1979 SAN DIE', SAN FRANC:I ' SAN An 1325 S. Colorado Boulevard SEAN, Suite 202 0R€R€Y. COLO. STOCKY( Denver, Colorado 80222 Tel. (303) 758-4595 Telex 454-325 DATE: December 28 ATTIN: Don Franks , 1979 Franks & Scott Company 1218 8th Ave Greeley, Colorado 80631 QUOTATION NAMED INSURED: Weld County LOCATION: Colorado NATURE OF BUSINESS: Public Entity TYPE OF COVERAGE: Umbrella (See sample policy) LIMITS OF LIABILITY: $1,000,000 DEDUCTIBLE: $10,000 SIR SPECIAL CONDITIONS: (1) . Adjustable rate is used (2) . Municipality Endorsement EXCLUSIONS: See sample policy for endorsements that are exclusions INSURING COMPANY: Great Atlantic Insurance Company BEST'S RATING A Clan-s VII: YOUR COMMISSION: 10% OF PREMIUN TOTAL PREMIUM: $24,425.00 (min & dep) Adjustable rate is 25% of audit underlying INSPECTION FEE: -0- premiums. IWEST POLICY FEE: 25.00 TAXES: 489.00 TOTAL: $24,939.00 THIS QUOTE EXPIRES: 1-28-80 MINIMUM EARNED PREMIUM NO FLAT CANCELLATION ALLOWED THANK YOU, IWEST-DEN VER p.��'"by/ ,te a • �+ DENVt ENOIL FREY. INSURANCE MANAGERS • LOS ANGEL: PORTLAr• SAN DIE SAN FRANGSC 1325 S. Colorado Boulevard SAN Jo Suite 202 SEAT• C Denver, Colorado 80222 srocK rc Tel. (303) 758-4595 Telex 454-325 We are pleased to offer the attached quotation and thank you for your submission. If you wish to effect coverage, please call in your order prior to the requested effective date, then follow up with written verification. We are unable to backdate effective dates. You do not have binding authority. Due to the nature of the accounting systems currently being used by the various surplus companies, our accounts must be invoiced upon issuance of the binder. Unless previous arrangements have been made for a deviation, the due date for all invoices will be 30 days after invoice date. If the premium is to be financed, we must be informed when coverage is requested. If you are arranging financing, please be sure that IWEST is listed as general agent on the finance paper, and that the above address is used. If verification of acceptance is required, the finance company should be instructed to send the papers directly to us. Before financing is arranged, please note that some of our fees are fully earned, and many times some part, or all of the premium, is fully earned. Please note that payments must be received by our office prior to the due date noted on your invoice. In order to avoid a non-pay cancellation, please be sure all premium transactions and/or financing arrangements are processed on a timely basis. If you have any questions, or if I can be of any help , please don't hesitate to contact me. Sincerely, Jeanne Constance IWest-Denver �F. GREAT ATLANTIC INSURANCE COMPANY 4.• OF DELAWARE WOR S ,;<s • 59 JOHN STREET NEW YORK, NEW YORK 10038 DECLARATIONS Policy Number UL UMBRELLA LIABILITY (C0mdER CIAL) W9%*% For Inter-Office use only ITEM 1. Code(s) Name of Insured Address • Territory (Street.Town Producer: State) J -_ This Declaration page. with policy provisions and endorsements, if any, issued to form a part thereof. completes the above numbered Umbrella Liability Policy. • ITEM 2. From: To: Policy Period (12:01) A.M.Standard Time at the address of the Insured stated above) The limit of the Company's liability shall be as stated herein subject to all the terms of this policy having reference thereto (A) S Single Limit any one occurrence Personal Injury or Property Damage or Advertising Liability or any combination thereof in excess of (11 the amount recoverable under the underlying insurance as set out in the attached Schedule A. or (2) S ultimate net loss in respect of each occurrence not covered ITEM 3. by said underlying insurance. Limit of Liability (B) S • in the aggregate for each annual period in accordance with Insuring Agreement Ili Retina Basis Estimated Exposure Rate Ertimsted Premium ITEM 4. P--er-nium Cornmrs on Deposit Premium Minimum Premium A;;d:- aericW s S Schedule A (Underlying Policy(s) )- Schedule B (UL 101.2 s'_,L,5.6.7. _ . _ - - _ Orte of Issue_ Countersigned by tian►.d Rrid•+tt A,.ttl Form UL 100 • - ' y GREAT ATLANTIC INSURANCE COMPANY ,.�_' OF DELAWARE 59 JOHN STREET • NEW YORK, NEW YORK 10038 COMMERCIAL LIABILITY UMBRELLA POLICY __ ,1„ f'•\ (1.\, In consideration of the payment of the premium, and in reliance upon the statements in the Declarations made a part hereof and subject to the limits of liability, exclusions, conditions and other terms of this policy, the Company agrees with the in- sured named in the Declarations as follows: INSURING AGREEMENTS I. COVERAGE. To pay on behalf of the Insured that portion of the ultimate net loss in excess of the retained limit as hereinafter defined, which the Insured shall become legally obligated to pay as damages for liability imposed upon the In- sured by law, or liability assumed by the Insured under contract because of (i) personal injury, (ii) property damage,or (iii) advertising liability, as defined herein caused by an occurrence. II. DEFENSE, SETTLEMENT, SUPPLEMENTARY PAYMENTS. (The provisions of this Insuring Agreement apply solely to occurrences covered under this policy but not covered by any underlying policies listed in the Schedule of Underlying In- surance or any other underlying insurance providing coverage to the Insured, whether collectible or not. This Insuring Agree- ment shall also apply to occurrences not covered by any underlying insurance due to exhaustion of any aggregate limits by reason of any losses paid thereunder.) The Company shall: (a) defend any suit against the Insured alleging liability insured under the provisions of this policy and seeking recovery for damages on account thereof even if such suit is groundless, false or fraudulent, but'the Company shall have the right to make such investigation and negotiation and settlement of any claim or suit as may be deemed expedient by the Company; Ib) pay all premiums on bonds to release attachments for an amount not in excess of the applicable limit of liability of this policy, all premiums on appeal bonds required in any such defended suit, but without any obligation to apply for or furnish such bonds, all costs taxed against the Insured in any such suit, all expenses incurred by the Company and all interest accruing after entry of judgment until the Company has paid, tendered or deposited in court that part of the judgment as does not exceed the limit of the Company's liability thereon; (c) reimburse the Insured for all reasonable expenses incurred at the Company's request, (including actual loss of wages or salary, but not loss of other income, not to exceed $75 per day) because of his attendance at hearings or trials at such request. The Company agrees to pay the amounts incurred under this Insurance Agreement II, except in settlement of claims and suits, in addition to the limit of liability stated in the Declarations, and such defense and supplementary payments shall not be included as part of the ultimate net loss, as defined in the policy. • The Insured shall promptly reimburse the Company (excepting Defense Costs) for any amount of ultimate net loss paid on behalf of the Insured within the retained limit specified in Item 3(A-21 of the Declarations. Insuring Agreement I and II shall cease = aa;ly after the atprable lints of the Company's liability has been exhausted by payment of judgments or settlements LIMIT OF LIABILITY - RETAINED LIMIT (Al The Company shall be liable only for that portion of the ultimate net loss excess of the Insured's retained limit de- fined as either: (11 the total of the applicable limits of the underlying policies ;isted in the Schedule of Underlying Insurance hereof, and the applicable limits of any other underiy in; insurance providing coverage to the insured;or (2) the amount stated in Item 3;A-21 of the Ceaa-a:ions as re result of any one occurrence not covered by such underlying policies or insurance; and then up to an amount not exceecing the amount as sated in Item 3(A) of the Declarations as the result of any one occurrence. .(B) In the event of reduction or exhaustion of the aggregate limits of liability under said underlying insurance by reason of losses paid thereunder during this policy period, this policy shall, subject to its terms and conditions and the limit of liability stated in Items 3(A) and 3(B) of the Declarations: (1) in the event of reductions,pay excess of the reduced underlying insurance, or - • - (2) in the event of exhaustion of the limits of liability, continue in force as underlying insurance. (C) There is no limit to the number of occurrences during the policy period for which claims may be made, except that the Company's total limit of liability arising out of the Products Hazard or the Completed Operations Hazard or both combined shall not exceed the amount stated in Item 3(B) of the Declarations as respects all occurrences during each l annual period commencing with the effective or anniversary date of this policy. In those cases where the underlying insurance listed in the Schedule of Underlying Insurance Policies contains cover- age(s), which are subject to an Aggregate Limit of Liability for all insured damages, the Company's liability shall like- wise be limited to the amount stated in Item 3(B) of the Declarations with respect to all occurrences during each an- nual period while this policy is in force commencing from its effective date. The umbrella policy aggregate limit, so amended, shall apply separately to each underlying insurance coverage which carries an aggregate limit in the policy t of underlying insurance. ID) For the purpose of determining the limit of the Company's liability, all personal injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one occurrence. With respect to Advertising Liability, all damages involving the same injurious material or act, re- gardless of the frequency or repetition thereof, the number and kind of media used and the number of claimants shall be deemed to arise out of one occurrence. EXCLUSIONS This policy shall not apply: (Al to any obligation for which the Insured or any carrier as his insurer may be held liable under any Worker's Compensa- tion, Occupational Disease, Unemployment Compensation, or Disability Benefits Law, or under any similar law; (8) to any obligation which the Insured may be liable under any "no fault benefits" or "uninsured motorists"law; (C) to the loss of use of tangible property which has not been physically injured or destroyed, resulting from: (i) a delay in or lack of performance by or on behalf of the Insured of any contract or agreement, or (ii) the failure of the Insured's products or work performed by or on behalf of the Insured to meet the level of performance, quality, fitness or durability warranted or represented by the Insured; but this exclusion does not apply to loss of use of other tangible property resulting from the sudden and accidental physical injury to or destruction of the Insured's products or work performed by or on behalf of the Insured after such pro- ducts or work have been put to use by any person or organization other than an Insured. (D) to Property Damage to: (i) the Insured's products arising out of such products or any part of such products; (ii) work performed by or on behalf of the Insured arising out of the work or any portion thereof, or out of material, parts or equipment furnished in connection therewith; (iii) property owned by the hsured; (iv) aircraft or watercraft rend to used by or i- t-! ca—c czstody or coctrol of the Insured; (E) to damages claimed for the v..-.d-awa., ;nsoe:fc- -- ep'ace:nent or loss of use of the Insured's products or work completed by or for Inc I -e_ c- c` am c-__e-r, _= w_._-. SU& _-_ducts or work form a part, if s_ch =ro_duct, work or property are w---.- =— -_ —t-,= c — _ by a- l c-! because of any known or suspected de- fect or deficiency therein; (F) to Personal Injury or Property Damage arising out of the ownership, maintenance, operation, use, loading or unload- i ng of: (i) any watercraft, except to the extent that c;vraoe is pro%ided by a policy listed in the Schedule of Underlying Insurance;or (ii) any aircraft owned by the I-s_-ed ar re-.: tcthe 1-s_-ed w ithout a crew. (G) to liability of any employee war r=_zoe_to Pe-sc-a: Ivj_ry -- e"cte•en---'-yee of the same employer injured in tie course of such employment unless insurance tnerefore is provided by a policy listed in the Schedule of Underlying In- surance and then not for broader coveraoe than is a`forded to such employee by that policy; (H) under Advertising Liability to claims made against the Insured; (i) for failure of performance of contract; ( i) for infringement of trade-mark or trade name; (iii) for incorrect description of any article or commodity: (iv) for mistake in advertised prices; (I) (a) under Coverages 1 (i) and 1 (ii) to injury, sickness,disease,death or destruction: (i) with respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability-Property Insurance Association, Mutual Atomic Energy Liability Under- writers or Nuclear Insurance Association of Canada, or would be an Insured under any such policy but for its termination upon exhaustion of its limit of liability;or (ii) resulting from the hazardous properties of nuclear material and with respect to which (1) any person or organi- zation is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (2) the Insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America or any agency thereof, under any agreement entered into by the United States of America or any agency thereof, with any person or organization. (b) under any Medical Payments Coverage, or under any Supplementary Payments provision relating to immediate medical or surgical relief for expenses incurred with respect to bodily injury, sickness, disease, or death resulting from hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. (c) under any Liability Coverage, to injury, sickness, disease, death or destruction resulting from the hazardous properties of nuclear material, if: (i) the nuclear material (1) is at any nuclear facility owned by or operated by or on behalf of, an Insured or (2) has been discharged or dispenses therefrom; (ii) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, ! transported or disposed of by or on behalf of -an Insured; or (iii) the injury, sickness, disease, death, or destruction arises out of the furnishing by an Insured of services, ma- terials, parts or equipment in connection with the planning, construction, maintenance, operating or use of any nuclear facility, but if such facility is located within the United States of America. its territories or pos. sessions of Canada, this exclusion (iii) applies only to injury to or destruction of property at such nuclear facility; (d) es used in this policy: — "hazardous properties"• include radioactive, toxic or explosive properties; — "nuclear material" means source material, special nuclear material or by-product material; — "source material", "special nuclear material" and "by-product material" have meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; — "spent fuel" means any fuel element or fuel component, solid or liquid which has been used or exposed to radiation in a nuclear reactor; — "waste" means any waste material (1) containing by-product material and (2) resulting from the operation by any person or oicanization of any nuclear facility included within the definition of nuclear facility under para- graph (i) or (ii) thereof; — "Nuclear Facility" means: (i) any nuclear reactor, any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging wastes, (iii) any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the Insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any comb;nation thereof, or more than 250 grams of uran:um 235, (iv: a^:' s..__:_re, bas''n, excacat on pre"-ses : place ^repa-e: or Lsed for storage or disposal 0' v.zste and 1-? s)-: :.h)z a".r c' .r_ -_- -2 s .o:a cc'era:-ons conducted on sue: site ?-: a. C c •se. _._C •p• CJere: o-15f — c.:;' 'c,_r_ _ •-.-'1 tee:-_C : _ _v : • - - 'UJn•• - ' __-- rad.ca:five ccn:ant nation of property!- _ __.. __ �, _ (J) to bodily injury or property damage arising out of the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, a'kalis, toxic chemicals, liouids or cases v.aste materials or other irritants, contaminants or pollutants into or upon :and, :nr almosz-e-a or any ',ete'eo_•se cr body o: v,Tts'; but this exclusion does not apply )f hi-t release 0' EC ate .. .__:e- a _ -:: :.-.a (K) tc any Le: :. .. _ e-' � - -e:... — -- '.e! J > C :' ?'c es _:5: 'E:. V .. .'1 r. c.a- "cJ?li On re.J u n Iron, mi: a'y Or lsJrpeJ power Or confiscation or naticna!i:a; on or ..uis ,ion or destruction of or dam _„_ to o':p* erty by or under the order of any government or public or Iota' authority. POLICY TERRITORY (A) This policy applies to personal injury, property damage or advertising liability occurring anywhere in the world DEFINITIONS • When'used in this policy (including endorsements forming a part hereof): (A) PERSONS INSURED means each of the following to the extent set forth below: (a) (1) the Named Insured stated in Item 1 of the Declarations and any companies that are subsidiaries or owned or controlled by said Named Insured on the inception date of the policy; (2) any additional companies that become subsidiaries or owned or controlled companies of said Named Insured providing notice is given to the Company within thirty (30) days thereof; (b) If the Named Insured is designated in the Declarations as-a partnership or joint venture, the partnership or joint venture so designated and any partner or member thereof but only with respect to his liability as such, however, if the Named Insured is a partnership, this policy does not apply to an automobile owned by or registered in the named of a partner thereof. This policy does not apply to Personal Injury, Property Damage or Advertising Lia- bility arising out of the conduct of any partnership or joint venture of which the Insured is a partner or member and which is not designated in this policy as a Named Insured. If the Named Insured is designated in the Declara- tions as an individual, the person so designated, but only with respect to the conduct of a business of which he is the sole proprietor; (c) any person, organization, trustee or estate to whom or to which the Named Insured is obligated by virtue of a written contract to provide insurance such as is afforded by this policy, but only with respect to operations by or on behalf of the Named Insured or to the facilities of or used by the Named Insured; A (d) subject to the terms and conditions of this policy, any additional Insured included in the underlying insurance, but only to the extent that insurance is available to such additional Insured under such underlying insurance; (e) except with respect to ownership, maintenance or use including loading or unloading of any automobiles or air- craft, any partner, executive, officer, director, stockholder or employee of the Named Insured, while acting in his capacity as such and any organization or proprietor with respect to real estate management for the Named Insured; If) any person while using any automobile owned by the Named Insured or any automobile loaned to the Named In- sured or hired for use in behalf of the Named Insured and any person legally responsible for the use thereof pro' vided the actual use thereof is with the permission of the Named Insured, and any executive officer, director or 1 - stockholder of the Named Insured with respect to the use of an automobile or watercraft not owned by the Named Insured in the business of the Named Insured. The insurance with respect to any person or organization other than the Named Insured does not apply under this division (f): (1) to any person or organization, to any agent or employee thereof, operating an automobile sales agency, re• pair shop, service station, storage Garage or public parking place, with respect to any occurrence arising out of the operation thereof; (2) with respect to any automobile hired by or loaned to the Named Insured. to the owner or lessee thereof other than the Named Insured, or to any agent or employee of such owner or lessee; The inclusion or addition hereunder of more than one Insured shall not operate to increase the Company's limit of liability. (B) PERSONAL INJURY shall mean: (a) bodily injury, sickness, disease, including death anytime resulting therefrom, shock, fright, mental anguish and mental injury; (b) false arrest,false imprisonment, wrongful eviction, wrongful detention, malicious prosecution and humiliation; (c) libel, slander, defamation of character or invasion of right of privacy uniess arising out of Advertising Lability: and (d) a_sa_ . a-- _. come•nec by c• at t-.e c - (0, PROPERTY - E mv a- - c -' ' - - -t policy period,' in nc rc s of use thereof at arty time real therefrom, or (2t loss of use of tang•be property, which has riot been physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period. D) ADVERTISING L!A3:LlTY shall mean liability for da-a;e bece_se of: fa) unln-er t:rz L __ S e _ _ __ _ c' _ . 1 Ihl infr;-:c_--en 7. :L I' - (c) piracy or unfair competition or idea misapprop•l ation uncle: an implied contract; (d) invasion of the rights of privacy, or zllegiid to have been committed during the policy period in any advertisement, publicity article, broad. • cast or telecast and arising out of the Named Insured's advertising activities. (E) PRODUCTS HAZARD includes Personal Injury and Property Damage arising out of the Insured's products or reliance upon a representation or warranty with respect thereto, but only if the Personal Injury or Property Damage occurs away from premises owned by or rented to the Insured and after physical possession has been relinquished to others. -. (F) INSURED'S PRODUCTS means goods or products manufactured, sold, handled or distributed by the Insured or by others trading under his name, including any container thereof (other than a vehicle), but Insured's products shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold. (G) COMPLETED OPERATIONS HAZARD includes Personal Injury and Property Damage arising out of operations or reliance upon a representation or warranty made at any time with respect thereto, but only if the Personal Injury or Property Damage occurs after such operations have been completed or abandoned and occurs away from premises owned by or rented to the Insured. "Operations" include materials, parts or equipment furnished in connection there- with. Operations shall be deemed completed at the earliest of the following times: (a) when all operations to be performed by or on behalf of the Insured under the contract have been completed, (b) when all operations to be performed by or on behalf of the Insured at the site of the operations have been com- pleted, (c) when the portion of the work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or sub-contractor engaged in performing operations for a principal as part of the same project. Operations which may require further service or maintenance work, or correction, repair, or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed. The Completed Operations Hazard does not include'Personal Injury or Property Damage arising out of: (1) operations in connection with the transportation of property, unless the Personal Injury or Property Damage arises out of a condition in or on a vehicle created by the loading or unloading thereof, (21 the existence of tools, uninstalled equipment or abandoned or unused materials. (H) OCCURRENCE — With respect to Personal Injury and Property Damage, the term "Occurrence" means an event, in- cluding continuous or repeated exposure to conditions, which result in Personal Injury or Property Damage during the policy period, neither expected nor intended from the standpoint of the Insured. All Personal Injury or Property Damage arising out of the continuous or repeated exposure to substantially the same general conditions shall be con- . sidered as arising out of one occurrence. (I) ULTIMATE NET LOSS — Except as provided in Insuring Agreement II, "Defense", the term "Ultimate Net Loss" shall mean the total sum which the Insured, or any company as its insurer, or both become obligated to pay by rea- son of personal injury, property damage, or advertising liability claims, either through adjudication or compromise, and shall also include hospital, medical, and funeral charges and all sums paid or payable as salaries, wages, compen- sation, fees, charges, interest, expenses for doctors, nurses, and investigators and other persons, and for settlement, adjustment, investigation and defense of claims and excluding only the salaries of the Insured or any of the under- lying Insurer's permanent employees. The Company shall not be liable for expenses as aforesaid when such are covered by underlying policies of insurance whether collectible or not. • CONDITIONS 1. Premium. The premium for this policy is a flat premium and is not subject to adjustment except that additional premiums may be required for any additional insureds as outlined in Definition (A) "Persons Insured", as provided in Condition 13 "Cancellation", or if this poG^_y '$ s_:;e:t to aJi: forth in the Deetaratont c -- _ ' adjustment.rcpiFe ora^ti:s mad oe based upon the ratinc basis •: i. `._ ?c`r1 - Lper. ex_.r=:'on of :his po:iq• or its termination durinc the o^_'i Pr rod or a: the end c; each -c`. "ea. - ea—a: 7 _ _— r.e" — '" � = - � s_:=idea herein. If the e mc-c than the e:.a-,c ca - •_s :--- -- -- �. - _ s-al! return :o — e:_ -- _ _ _ _- s a. __ . ._Lc>:e3 to the Cc•„gang; if I=•s --._ -- fcr ta_h trselt•e 112; 7:C7, - -- -- -- -a = - :_ .: ="---; _ :—. premium in : -- Dec:arations. ca :C >__ — __—,_ :_ --,c pC r, :^„rnum um as s c:e3 is 2. Prior Insurance and Non-Cumulation of Liability. It is agreed, that if any loss is also covered in whole or in part under any other excess policy issued to the Insured prior to the inception date hereof, the Company's limit of liability as stated in Item 3 of the Declarations shall be reducer by any amounts due the Insred or, account of any such less under such prior inrurance. 2. Sev_rzbility of Interest in the e..e_.: e` c,a.ms __--_ e _ -_ __ - -_ • r_. Lct:'i ,- e=- `y -`--_ _- -'-'�- .�. .--:''-s, Property Damage or Adve-'s:-, ty suffered by one lns_•ed hr-e:r. ._ :.w-,._h _ 's ,.. 5e liable, :his policy shall corer Insu•ed against whom a claim is mate or may be mate in the same r.er.-.eras if separate policies had been issued to each Insured herein. Nothing contained herein shall operate to increase the Come any's limit of liability as set forth in the Limit of Liability section. '.slice .f Occruntritir. 'r,,-r._ .cr the Insured has information frum which the Insured may reasonably conclude that an Occurrence covered hereunder involved injuries or damages which, in the event that the Insured should be held liable is likely to involve this policy immediate notice shall be sent to the Company. 5. Inspection and Audit. The Company shall be permitted but not obligated to inspect the Insured's property and operations at any time. Neither the Company's right to make inspections nor the making thereof nor any report thereon shall consti- tute an undertaking, on behalf of or for the benefit of the Insured or others, to determine or warrant that such property ( or operations are safe. The Company may examine and audit the Insured's books and records at any time during the policy and extensions thereof and within three (3) years after the final termination of this policy, as far as they relate to the sub- ject matter of this insurance. 6, Maintenance of Underlying Insurance. The policy Y or policies referred to in the attached "Schedule of Underlying In- surances", and any renewal or replacement thereof, not more restrictive, shall be maintained by the Insured in full effect during the currency of this policy without alteration of terms or conditions except for any reduction of the aggregate limit or limits contained therein solely by payment of claims. Failure of the Insured to comply with the foregoing shall not invalidate this policy but in the event of such failure, the Company shall only be liable to the same extent as it would have been had the Insured so maintained such policy or policies. 7. Assistance and Cooperation. Except as provided by Insuring Agreement II, Defense, the Company shall not be called upon to assume charge of the settlement or defense of any claim made or suit brought or proceedings instituted against the In- sured, but the Company shall have the right and shall be given the opportunity to associate with the Insured or the In- sured's underlying insurer, or both, in the defense and control of any claim, suit or proceeding relative to any Occurrence where the claim or suit involves, or appears reasonably likely to involve the Company, in which event the Insured, the underlying insurers and the Company shall cooperate in all things in the defense of such claim, suit or proceeding. B. Appeals. In the event the Insured or the Insured's underlying insurer(s) elects not to appeal a judgment in excess of the underlying limits, the Company may elect to make such appeal at its own cost and expense and shall be liable for the tax- able costs and disbursements and interest incidental thereto, but in no event shall the liability of the Company, for the ultimate net loss, exceed the amount set forth in Item 3(A) of the Declarations for any one Occurrence plus the cost and expense of such appeal.• 9. Other Insurance. If other valid and collectible insurance with any other insurer is available to the Insured covering a loss also covered hereunder, this insurance shall be excess of, and shall not contribute with such other insurance. Excess in- surance over the Limits of Liability expressed in this policy is permitted without prejudice to this insurance and the existence of such insurance shall not reduce any liability under this policy. 10. Application of Salvages - Subrogation. All salvages, recoveries or payments recovered or received subsequent to a loss settlement under this insurance shall be applied as if recovered or received prior to such settlement and all necessary ad- justments shall then be made between the Insured and the Company, provided always that nothing in this clause shall be - construed or mean that losses under this insurance are not recoverable until the Insured's ultimate net loss has been finally ascertained. Inasmuch as this policy is "Excess Coverage", the Insured's right of recovery against any person or other en- tity cannot always be exclusively subrogated to the Company. If is therefore understood and agreed that in case of any payment hereunder, the Company shall act in concert with all other interests (including the Insured) concerned, in the exercise of such rights of recovery. The apportioning of any amounts which may be so recovered shall follow the principle that any interests (including the Insured) that shall have paid an amount over and above any payment hereunder, shall first be reimbursed up to the amount paid by them; the Company shall then be reimbursed out of any balance then remaining up to the amount paid hereunder; lastly, the interests (including the Insured) of whom this coverage is excess are entitled to claim the residue, if any. Expense necessary to the recovery of any such amounts shall be apportioned between the in- terests (including the Insured)concerned, in the ratio of their respective recoveries as finally settled. 11. Changes. Notice to or knowledge possessed by any person shall not affect a waiver or change in any part of this policy or • stop the Company from asserting any rights under the terms of this policy; nor shall the terms of this policy be waived or changed, except by endorsement issued to form a part hereof, signed by an authorized representative of the Company. 12. Assignment. Assignment of interest under this policy shall not bind the Company until its consent is endorsed hereon; if, however, the Insured shall be adjudged bankrupt or insolvent, this policy shall cover the Insured's legal representative as Insured; provided that notice of cancellation addressed to the Insured named in the Declarations and mailed to the address shown in this policy shall be sufficient notice to effect cancellation of this policy. 73. Ca-:e:iation. This policy may be :ae-E' e: P., Hs_-ed by sr_rre.^.der Vterec` to :-e Company or any of its authorized ts. or by mailing to the Cenrc a-,y ;-,nr sac E_e-S s,, _ c .. -a: when thereafter such cancella- S-2 ! be eCiec: ie. The v '.cy . _— • the r__ :'.' �-%—C� t T '- _ -,_ � .-'.red at the address shown in ._ - _e: c-ationt, v•_r-c- _ __ _ _ __ ____ - _ __ -- _- -•`- `. _ ' - _ _ - :--. _e_ .l c .7E\5. with r=sc.ect , C- ---- _ - - ' -r - 'c,unz of o;ice as aforesaid s. t proof o rois T-.e : _-_ c' s_-._-_=- e- •`s e- -- cancellation stated in the notice sosconne me end of the policy perioc. Deiivery of s'cn written notice either by the Insured or by the Company shall bE equivalent to mailing. If the Insured cancels, earned premium shall be computed in accordance with the customary short rate table procedure. If the Company cancels, earned premium shall be computed pro rata. In the event of such can- cellation, the earned premium shall in no case be less than the annual minimum. premium stated in the Declarations, sub- jec; to the policy minimum premium also stated in the Declarations. F-_-Jurr adj,._'s:c,ent may be made a: - • -e gauge"a:ion is e-enet: cr as so_- - _ a_ticable thereafter. The check O' :-e Company or its represen:arise rma eo o.cei';e-z=. shall be suff'c _-.- .e-__ Ps at. refund due the Insured. If this policy insures more than one Insured, cancellation may be effected by the first of such Insureds for the account of all Insureds: the notice of cancellation by the Company to such first Insured shall be notice to all Insureds. Payment of any untamed premium to such first Insured shall be for the account of all interests in such payment 1 by Great Atlantic Ins. Co. MUNICIPALITY ENDORSEMENT Following Form Hazards . In consideration of the premium charged, it is hereby understood and agreed that such coverage as is afforded by the policy shall not apply to: (a) PERSONAL INJURY arising out of false arrest, detention or imprisonment malicious prosecution, libel, slander, defamation or violation of righ of privacy, wrongful entry or eviction or other invasion of right of private occupancy; or (b) PERSONAL INJURY or PROPERTY DAMAGE arising out of any riot, civil comm tion, civil disturbance, protest, demonstration, mob action or out of act or omission or condition incident to the foregoing; or (c) PERSONAL INJURY to any volunteer; or (d) PROPERTY DAMAGE arising out of blasting or explosion other than the a explosion of air or steam vessels, piping under pressure, prime movers machinery or power transmitting equipment; or (e) PROPERTY DAMAGE arising out of the collapse of or structural injury to any building or structure due to (1) grading of land, excavating, borrowing, filling or back-filling, tunneling, pile driving, coffer- dam work or caisson work, or (2) moving, shoring, underpinning, raising or demolition of any building or structure, or removal or rebuilding of any structural support thereof; or (f) PROPERTY DAMAGE arising out of injury to or destruction of wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property, and any apparatus in connection thorewith beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drillir borrowing, filling, back-filling or pile driving; unless such liability is covered by valid and collectible underlying insurance as listed in the Schedule of Underlying Insurance, for the full limits of liability shown therein, and then only for such hazards for which coverage is afforded ;under said underlying insurance . Excluded Hazards It is further understood and agreed that such coverage as is afforded by the policy shall not apply to: (a) any liability for 77D-SC::='i. _:J'.: --_ Dr IRTy DAMAGE arisingout r Cr imposed by any coLSti- "rO':is stature, court, municical r` a? it nne or Law, a__.— _ c ..ra . rill ,.or .�_ C _ Cr.. a • , _ _ c _ 'e __ __ C. 11e of law dealin" - ar of c7:"' 7 =7: 7":27. of __ ___ _ c_ _- ____ _ _ _ pf cr ENDORSEMENT This endorsement, effective M. , forms a part of policy No, issued to by Great Atlantic Insurance Company. a MEDICAL MALPRACTICE EXCLUSION In consideration of the premium charged, it is hereby understood and agreed that such coverage as is afforded by the policy shall not apply to any liability for PERSONAL INJURY or PROPERTY DAMAGE arising out of the rendering of or failure to render the following professional services: (a) Medical, surgical, dental or nursing treatment to such person or the person inflicting the injury it including the furnishing of food or beverages in connection therewith, (b) Furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances if the injury occurs after the Named Insured has relingished possession thereof to others, (c) Handling of or performing post-mortem examinations u on human bodies, or (d) Service by any person as a member of a formal accreditation or similar professional board or committee of the Named Insured, or as a person charged with the duty of executing directives of any such board or committee . 4 1 ENDORSEMENT This endorsement, effective M. , forms a part of policy No. issued to by Great Atlantic Insurance Company. a EMPLOxa RETIREMENT SECURITY ACT AND EMPLOYEE (6) BENEFITS EXCLUSION ENDORSEMENT, EMPLOYEE RETIREMENT SECURITY ACT LIABILITY EXCLUSION Coverage provided by this policy shall not apply with • respect to any liability arising out of the intentional or unintentional violation or violations or any provision or provisions of the Employee Retirement Income Security Act of 1974, Public. Law 93-406 (commonly referred to as the Pension Reform Act of 1974), or any amendments thereto. EMPLOYEE BENEFITS LIABILITY EXCLUSION Coverage provided by this policy shall not apply with respect to any liability arising out of any Employee Benefit Program, including Group Life Insurance, Group Accident or Health Insurance, Pension Plans, Employee Stock Subscription Plans, Workman's Compensation, Unemployment Insurance, Social Security and Disability Benefits, and any other Employee Benefit programs . All other terms and conditions hereunder remain unchanged . • • • ENDORSEMENT This endorsement, effective M. , forms a part of policy No. issued to by Great Atlantic Insurance Company. EXCLUSION OF OFFICERS AND DIRECTORS LIABILITY (5) This insurance does not apply to any liability of any insured while acting in his capacity as an officer, director, trustee, partner or any other similar elective or appointive management position of any corporation, cooperative association, association, partnership, joint stock company, trust, unin- corporated organization or any other entity other than the business of the Named Insured as specified in the Declarations of this policy. All other terms and conditions remain unchanged. 1 vet: R.;resent.tive ENDORSEMENT This endorsement, effective M. , forms a part of pblfcy No. issued to by Great Atlantic Insurance Company. CARE, CUSTODY AND CONTROL EXCLUSION (2) In consideration of the premium charged, it is hereby understood and agreed that this insurance does not apply to property damage to: 1. Property owned or occupied by or rented to the insured. 2. Property used by the insured, or 3. Property in the care, custody or control of the insured or as to which the insured is for any purpose excercising physical control. All other terms and conditions remain unchanged . a 9 I I e. _.r—_ . . i • • ENDORSEMENT This endorse.nerrt, effective M. forms a part of piecV Mo. issued to b,. Great Atlantic Insurance Ccapany. Serve I Schedule of Endorsements attached and made a part of this policy: New York Amendatory Endorsement Care Custody and Control Exclusion Contractual Liability (following form) Automobile (following form) Endorsement Exclusion of Officers and Directors Liability Employee Retirement Security Act and Employee Benefits Exclusion Endorsement Personal Injury Liability (following form) Coverage Products - Completed Operations (following form) Coverage 1 A 2 i 1 A _----_--_•_ AO''-c seC Fa]•er1•'4 r ENDORSEMENT This endorsement, effective M. forms a part of - olicy No issued to by Great Atlantic Insurance Company Schedule A. Type of Policy Insurer, Policy No. Limit or Coverage. and Period , of Coverage . • 4 • I 14..Bankruptcy and Insolvency. In the event of the bankruptcy or insolvency of the Insured or any entity comprising the In- sured, the Company shall not be relieved thereby of the payment of any claims hereunder because of such bankruptcy or insolvency. 15. First Named Insured. The first Named Insured in Item 1 of the Declarations, shall be responsible for payment of all pre, miums, and shall act on behalf of all other Insureds with respect to the giving and receiving of notice of cancellation and - , ‘ -the receipt of any return premium, that may become payable under this policy. IN WITNESS WHEREOF, the Company has caused this policy to be executed and attested, but this policy shall not be valid unless countersigned by a duly authorized representative of the Company. /) Secretary President Ia • f PROPOSAL. FORM REQUIREMENTS PUBLIC OFFICIALS ERRORS AND OMISSIONS Name or type of policy being proposed Name of Insurance Company: Unitcc} Fire & Casualty Company Address of home office: Cedar Rapids, Iowa Authorized agent submitting proposal : Franks & Scott Co. Claims office from which all claims will be made: Denver Regional Office Address : P. O. Box 850 Westminster, CO 80030 1 Claims handled by Michael Lary, Colorado Claims Manager Staff or independent adjusters (name) Staff A+— 'I Current best 's ratings ,.. Effective date of. policy (s) : Jan. lrl, 1980 The basis upon which rates are arrived at should be explained. 2—Class A 12—Class B Type coverage: $100,000 each claim and $1,000,000 aggregate Premium (annual) broken down $10,074.00 I Deviations from coverage, limits, conditions, etcetera, mentioned in specifications: $500 deductible each claim 4 Self-Insurance company should comply with all applicable items and explain in great detail the coverages, limits, exceptions, specific 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: t Applicable we will abide by the specifications and requirements in this document except for deviations agreed to. 1 Agent Agency Agent s an co o. 4 / L. I \II ; ICI I1 ;l ;v( .Ati1 .AI .Ilt Public Officials Errors and Omissions Insurance ti 141y l 'NI ILI)I-IKI ,&( ..A_` t1\LI1 ( (All ''\11) Q(_I.I ),AIZI(AI 'IU.5I( 11� A FIRE INLAND MARINE AUTOMOBILE LIABILITY WORKMEN'S COMPENSATION AUTOMOBILE PHYSICAL DAMAGE COMPREHENSIVE GENERAL LIABILITY FARMER'S COMPREHENSIVE PERSONAL LIABILITY COMPREHENSIVE PERSONAL LIABILITY COMPREHENSIVE AUTOMOBILE FIDELITY & SURETY BONDS BURGLARY INSURANCE GENERAL LIABILITY PLATE GLASS READ CAREFULLY THE TERMS AND CONDITIONS OF THIS POLICY CONSULT YOUR AGENT FOR FULL INFORMATION •• UNITED FIRE & CASUALTY COMPANY (A clock company, herein called the company) In consideration of the payment of the premium, in reliance upon Coe statements in the declarations made a part hereof and subject to the limits of liability, exclusions , conditions and other terms of this policy, agrees with the insured named in the declar- ations as follows: • INSURING AGREEMENTS 1 . COVERAGE . To pay on behalf of the Insured all sums which the Insured shall be- come legally obligated to pay on account of any claim made against the Insured except as hereinafter limited and caused by any negligent act, error or omission of the Insured or any other person for whose acts the Insured is legally liable in the conduct of his duties as the public official holding the office shown in the Declarations. II . DEDUCTIBLE - CLAIMS . It is agreed that in the event of a claim the deductible amount shown above shall be deducted from the total amount resulting from each claim, and the Company shall he liable only for the difference between such de- ductible amount and the amount of insurance otherwise applicable to each claim. Such deductible amount shall not apply to the Coverage provided under Insuring Agreement III. It is further understood and agreed that in event of any claim irrespective of the amount, notice thereof shall be given by or on behalf of the Insured tc the Company, or any of its authorized agents, in accordance with the terms of the Policy and the Company may at its option, investigate such claim or negotiate or settle any such claim, and the Insured agrees, if the Company undertakes to negotiate or settle any such claim, to join the Company in such negotiation or settlement to the extent of the amount to be deducted as herein provided , or to reimburse the Company for such deductible amount , if and when such claim is paid by the Company. • III . DEFENSE, SETTLEMENT , SUPPLEMENTARY PAYMENTS . As respects such insurance as is afforded by the other terms of the Policy, the Company shall , provided the policy limit for the policy year involved has not been exhausted : (A) Defend in his name and behalf any suit against the Insured alleging such negligent act, error or omission and seeking damages on account thereof , even if such suit is groundless, false cr fraudulent ; but the Company shall have the right to make such investigation and negotiation of any claim or suit as may be deemed expedient by the Company; (A) Pay all premiums on bonds to release attachments for au amount net in excess of the applicable Limit of Liability of this Policy , all premiums rai appeal bonds required in any such defended suit , but without any obligation to apply for or furnish such Londs , all costs taxed against the Insured in ar:v such suit , all expenses incurred by the Company , all interest accruing after entry of judgment until the Company has paid, tendered or deposited in court such part of such judgment as does not exceed the Limit of the Company ' s Liability thereon; (C) Reimburse the Insured for all reasonable expenses, other than loss of earnings, incurred at the Company's request; (D) The Company agrees to pay the amounts incurred under this Insuring Agreement , except settlements of claims and suits, in addition to the applicable Limit of Liability of this Policy. IV. POLICY PERIOD, TERRITORY . This Policy applies to claims made, suits brought or any other legal action commenced during the Policy Period within the United States of America, its territories or possessions, resulting from negligent acts , errors or omissions of the Insured. V. DEFINITION OF "INSURED" . The unqualified word "Insured" wherever used, includes not only the named Insured but also any legally appointed deputy or employee thereof while acting within the scope of his duties. EXCLUSIONS THIS POLICY DOES NOT APPLY : (A) To any dishonest, fraudulent , criminal or malicious act of the Insured or of any employee of the Insured; (B) To libel , slander, defamation of character, assault or battery; (C) To false arrest, detention or imprisonment or malicious prosecution; (D) To bodily injury to or sickness, disease or death of any person, or to injury to or destruction of any tangible property including loss of use thereof; (E) To claims based upon or arising out of any opinion or title on real estate rendered or furnished by the Insured; (F) To any loss sustained by the Insured as the beneficiary or distributee of any trust or estate; (G) To liability for his acts or omissions of a professional nature other than those arising out of his duties as the public official described in the Declarations of this policy. (H) To liability for any loss caused intentionally by or at the direction of the Insured; (I) To liability in connection with any claim made against the Insured based on or attributable to any failure or omission on the part of the Insured to effect or maintain insurance. CONDITIONS 1 . LIMIT OF LIABILITY (A) The liability of the Company for each claim shall be only for the amount of loss that is in excess of the deductible amount stated in the Declarations; (B) The aggregate limit of liability stated in the Declarations is the Limit of the Company' s Liability for all damages occurring during any one Policy year arising out of negligent acts , errors or omissions of the Insured. 2 . NOTICE OF CLAIM OR SUIT . As soon as practicable notice must be given the Company on Insured receiving information as to his alleged negligent act, error or omission with full particulars of any claim arising therefrom. If suit is brought the Insured must immediately forward to the Company every summons or other process received by him. 3. ASSISTANCE AND COOPERATION OF THE INSURED . The Insured shall cooperate with the Company and, upon the Company 's request shall attend hearings and trials and shall assist in effecting settlements, securing and giving evidence , obtaining the attendance of witnesses and in the conduct of suits. The Insured shall not, ex- cept at his own cost, voluntarily make any payment , assume any obligation or incur any expense. 4. ACTION AGAINST COMPANY . No action shall lie against the Company unless, as a con- dition precedent thereto, the Insured shall have fully complied with all the terms of this policy, nor until the amount of the Insured's obligation to pay shall have been finally determined either by judgment against the Insured after actual trial or by written agreement of the Insured, the Claimant and the Company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. Nothing contained in the Policy shall give any person or organization any right to join the Company as a co-defendant in any action against the Insured to determine the Insured' s Liability. Bankruptcy or insolvency of the Insured or of the Insured' s estate shall not re- . 1 eve the Company of any of its obligations hereunder. 5. 0 HER INSURANCE . If the Insured or the political subdivision of which he is an o ficial has any other insurance against a loss covered by this Policy the insur- aece provided by this Policy shall be excess over all other valid and collectible insurance. 6. SUBROGATION. In the event of any payment under this Policy, the Company shall be sebrogated to all the Insured's rights of recovery therefor against any person or organization and the Insured shall execute and deliver instruments and papers and i de whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such rights. 7. CHANGES . Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this Policy or stop the Company from asserting any right under the terms of this Policy; nor shall the terms of this Policy be waived or changed, except by endorsement issued to form a pert of this Policy, signed by the President, Vice President, or Secretary of the Co¢mpany. E. NON-ASSIGNABLE . The interest of the Insured under this Policy shall not be assign- Ode to any other person. 9. C4NCELLArION . This Policy may be canceled by the Named Insured by surrender there- o to the Company or any of its authorized agents, or by mailing to the Company written notice stating when thereafter the cancellation shall he effective. The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender , or the effective date and hour of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the Named Insured or by the Company shall be equivalent to mailing. If the Named Insured cancels, earned premium shall be computed in accordance with the customary short rate table and procedure. If the Company cancels , earned premium shall be computed pro-rata . In either event, if at the time of cancel- lation the aggregate limit of liability for the policy year involved has been ex- hausted, the entire premium shall be considered earned. Premium adjustments may be made either at the time cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender of unearned premium is not a condition of cancellation. .0. ScVERABILITY OF INTEREST CLAUSE . The insurance afforded under this Policy applies separately to each insured against whom claim is made or suit is brought, but the ifclusion herein of more than one insured shall not operate to increase the limit of liability stated in the Declarations for this Policy. 11. T RMS OF POLICY CONFORMED TO STATUTE . Terms of this Policy which are in conflict w th the statutes of the State wherein this Policy is issued are hereby amended to cDnform to such statutes. 12. ArPLICATION. By acceptance of this Policy the Insured agrees that the statements i the Application are his representations, that this Policy is issued in reliance upon the truth of such representations and that this Policy embodies all agreements eeisting between himself and the Company or any of its agents relating to this insurance. IN WITNESS WHEREOF, the UNITED FIRE C CASUALTY COMPANY has caused this Policy to be signed by its President and Secretary at Cedar Rapids , Iowa, and countersigned on the Declarations page by a duly authorized agent of the Company. V. / (9S• ecrelery -r� / President GO-lob-1 5-72 y ..... _,. ... :.. ...•r.— f..,.........�..... ........a ,:...q.,K. .rf•y.". .4'_... .;v.A�.:C=.'T r).�`� •.i� rtr:}rr,lFltis{, Ih7 'yF �,.... • • _.._. _..__......�_— _ .»._... ..y • EXCLUSION ENDORSEMENT IT IS UNDERSTOOD AND AGREED THAT THE INSURER SHALL NOT BE LIABLE TO MAKE ANY PAYMENT FOR LOSS IN CONNECTION WITH ANY CLAIM OR CLAIMS MADE AGAINST THE INSUREDS BASED UPON OR ARISING OUT OF EMPLOYEE HIRING, ADVANCEMENT, REMUNERATION OR IN TERMINATION OF EMPLOYMENT. UNITED FIRE & CASUALTY COMPANY Cedar Rapids, Iowa it Secretary UND-3035c . A. L•• I .M W' 1 ,.x:'Y xF4 •my1.�3 1v dF,l n . ma. � ...._... w+c � -�....,_.,`�a. . cr, #W -wk;i'• Ysli'br., • r . . T p ,..,i' . . ,...: re.,wtxe+M^pq�'(,.,:.vu��am�7ggl+,x+mr•Ft�, ERRORS & OMISSIONS INSURANCE BLANKET COVERAGE and EXCLUSION FOR PUBLIC DEFENDERS AND COURT APPOINTED ATTORNEYS It is understood and agreed that the Insured shall include: (1) any duly elected or appointed officer of the County named in the declarations (2) his legally appointed deputies and employees (3) the officials and employees of duly constituted County Boards while acting within the scope of their duties, as such. Exclusion: There is no coverage for the acts of any Public Defender or Court appointed attorney in the defense of preparation for defense of any defendant in a criminal court action. All other terms, conditions, limitations and agreements of the policy remain unchanged. This endorsement is executed by UNITED FIRE & CASUALTY COMPANY of Cedar Rapids, Iowa. . Secretary UND-3073 c (4-78) SERVICE SPECIFICATIONS The designated agent will be responsible for the following: 1. A detailed appraisal of all buildings. a. Initial Cost: $ 21,759.54 • b. Annual Up-Dating: $ 2,175.93 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 4 t 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. S. Annual Service Fee? $5.848. How calculated and adjusted? 1 Per Attached Proposal of CAB Business Services, Inc. Note: This quotation is beinr submitted as an alternative only. It is assumed that roost of these services are or can he provided by the properly designated insurance carrier. We, therefore, include this only in the event "self-insurance" is elected. . • 2 PROPOSAL GAB Business Services , Inc . , herein after referred to as GAB , is pleased to submit a bid in the amount of $5 ,848. 00 . This is for the handling of Auto Liability , General Liability , Auto Physical Damage , and other miscellaneous claims (including but not limited to Wind/Hail , VM & M, Burglary , Boiler and Machinery , and Fire) . The above figure is based on a five year average of 44 submitted claims . All claims submitted in excess of 44 will be handled on a Time and Expense basis at $20. 10 per hour. It is our understanding that the contract will commence on January 15 , 1980 and will expire January 15 , 1983 . For years two and three of the contract there will be an increase of 2 9 . 2 percent both in the base figure and the Time and Expense hourly rate . A For natural catastrophe losses , for which the IIA assigns a Catastrophe number, will be billed in accordance with the attached pricing schedule . Allocated expenses , those items of service not performed by GAB ' s employees , such as attorneys fees , independent medical examinations , professional photographs , etc . , are not included in the quoted price . We have the usual capability for handling subrogation . We follow normal procedures and where necessary , recommend a file be as- signed to an attorney for such recovery . GAB is also in a position to furnish to Weld County a loss run referred to as Claims Management Reporting System ( CMRS ) which is provided on a monthly basis . This program includes a separate loss run for General Liability , and Property . The cost of the loss runs is included in the above quoted price . If the loss runs are not required to be a part of the claims handling program, the price of $5 , 848 . 00 remains the same . I am attaching a copy of a sample loss run for your review . GAB will maintain individual claim files at its Greeley Branch Office . These files will be available for review by designated county personnel at times arranged for between Weld County and GAB . GAB maintains a local Greeley Branch Office managed by Scott Richards . Mr. Richards will maintain a liaison work with the county . In addition , Rich Nustad of the Denver , Regional Office will help in any problem areas . a (2) GAB is also at this time pleased to submit a bid on the detailed appraisal of all buildings in the amount of $21 , 759 . 84 . Barring any unforeseen circumstances we expect the total appraisal pack- ' age to be completed and submitted within six months after the date of contract acceptance . Annual updating of the Value Appraisal will be completed at $2, 175 .98 . This bid is submitted and based on the locations and values as outlined on exhibit A of the "Request For Proposal For Insur- ance Coverage" . It should be noted that this figure is on buildings only . It does not include Value Appraisals on contents as listed in that exhibit or Inland Marine coverages . We appreciate the opportunity to quote on the claims of service for Weld County . Thank you. 1 2 ; A a 1 i I CAB STANDARD PRICING SCHEDULE Form 290(4/79) IN TOWN ____ Effective with assignments received after April 1, 1979 GROSS LOSS FIRE-WIND•HAIL EXTENDED COVERAGES OR PLATE GLASS BURGLARY•THEFT GROSS REPAIR Agreed Price No Frills Regular Agreed Price No Frills& Regular FIGURES t Appraisal Adjustment Adjustment Appraisal Basic BRT Adjustment $ .01 • $ 100.00 $ 13.80 $ 17.20 $ 22.90 $ 13.80 $ 21.30 $ 28.40 100.01 - 200.00 27.50 34.40 45.90. 27.50 41.50 55.30 II 200.01 - 300.00 36.00 45.00 60.00 36.00 52.00 69.40 300.01 - 400.00 41.60 52.10 69.40 41.60 69.10 78.80 400.01 - 600.00 50.40 63.00 84.00 50.40 68.20 91.00 Il 600.01 - 800.00 53.60 67.10 89.40 53.60 75.30 100.40 800.01 - 1,000.00 55.60 69.40 92.60 55.60 80.20 106.90 1.000.01 • 1,500.00 79.10 T& E T& E 79.10 T&E T&E 1,500.01 - 2,000.00 107.90 T& E T& E 107.90 T& E T& E 2,000.01 - 3,500.00 157.10 T&E T& E 157.10 T&E T& E s 3,500.01 - 5,000.00 183.90 T& E T& E 183.90 T&E T& E 5,000.01 - and up T& E T& E T&E T& E T& E T& E ter, _. _________.._..------ F. 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