Marshall & Sterling, Inc
PROPOSAL PREPARED
FOR
TOWN OF WAPPINGER
CHRIS COLSEY
20 MIDDLEBUSH RD
W APPINGERS FALLS, NY 12590
PRESENTED BY
PETE CARR, BRANCH MANAGER
MARSHALL & STERLING, INC.
PHONE: 845-454-0800
PROPOSAL DATE: JANUARY 10, 2011
PROPOSAL EXPIRES ON: JANUARY 22, 2011
The outlines of coverage used throughout this document, are not intended to express any legal opinion as to the nature of coverage. They are only visuals
to a basic understanding of coverage and limits. For a complete understanding of the coverages provided, pleas_e r~fer to the actual pollcLwordlng
PREMIUM SUMMARY
Town of Wappinger
Proposed Coverage Date
01/22/11
Policy Type Expiring Carrier A.M. Admit Expiring Proposed Carrier A.M Admit Proposed
Name Best In NY Premium Name Best In NY Premium
Ratlna Rating
Zurich Insurance Co A Yes $57,371 American Alternative ---. ._-~._-~-
Property A Yes $21,605
General Liability Zurich Insurance Co A Yes Included American Alternative - -- --.---
A Yes $32,805
Inland Marine Zurich Insurance Co A Yes Included American Alternative --~-
A Yes $8,871
Crime Zurich Insurance Co A Yes Included American Alternative A Yes $192
Umbrella Zurich Insurance Co A Yes $29,896 American Alternative A Yes $21,587
Business Auto Zurich Insurance Co A Yes $57,034 American Alternative A Yes $44,753
Public Officials Zurich Insurance Co A Yes $11,994 American Alternative A Yes $7,890
EPLI Zurich Insurance Co A Yes $4,994 American Alternative A Yes Included
OCP (3) Zurich Insurance Co A Yes $450 American Alternative A Yes $500
Total Premium $161,739 $138,203
**Terrorism coverage must be accepted or declined prior to binding of policy
**Coverages described under notable exclusions/limitations may be available for an additional premium after completing additional
applications.
Proposal accepted as presented:
Authorized Signature
Date
Proposal accepted as amended per changes noted on pages:
Authorized Signature
Date
INSURED LOCATIONS
lOCATION ## BUILDING # ADDRESS
001 001 20 Middlebush Rd, Wappingers Falls - Town Hall
001 002 20 Middlebush Rd, Wappingers Falls - Gazebo
002 001 Old Rt 9, Wappingers Falls - Highway Office
002 002 Old Rt 9, Wappingers Falls - Highway Shed
002 003 Old Rt 9, Wappingers Falls - Metal Garage
002 004 Old Rt 9, Wappingers Falls - Highway Storage
002 005 Old Rt 9, Wappingers Falls - Frame Garage
002 006 Old Rt 9, Wappingers Falls - Pole Barn
002 007 Old Rt 9, Wappingers Falls - Salt Shed
003 001 30 Patti PI, Wappingers Falls - Sewer Control Building
003 002 30 Patti PI, Wappingers Falls - Bio Disc Sewer Building
003 003 30 Patti PI, Wappingers Falls - Sewer Pump House
003 004 30 Patti PI, Wappingers Falls - Water Pump Station
004 001 Oakwood Knolls, Wappingers Falls - Water Pump House
005 001 Fleetwood Dr, Wappingers Falls - Water Pump House
005 002 Fleetwood Dr, Wappingers Falls - Sewer Pump House
3
006 001 Regency Dr, Wappingers Falls - Rockingham Water Plan
006 002 30 Soccerfield Way, Wappingers Falls - Rockingham Sewer Plant
006 003 Regency Dr, Wappingers Falls - Rockingham Water Pump House
006 004 30 Soccerfield Way, Wappingers Falls - Rockingham Sewer Pump
007 001 9 Deer Run, Wappingers Falls - Hilltop Water Plant
007 002 9 Deer Run, Wappingers Falls - Hilltop Water Pump House
007 003 9 Deer Run, Wappingers Falls - Hilltop Shed
007 004 9 Deer Run, Wappingers Falls - Hilltop Storage Building
008 001 Amherst Ln, Wappingers Falls - Tall Trees Pump House
009 001 New Hackensack Rd, Wappingers Falls - Wildwood Sewer Plant
009 002 New Hackensack Rd, Wappingers Falls - Wildwood Sewer Pump
010 001 All Angels Hill Rd, Wappingers Falls - Schlathaus Park Office
010 002 All Angels Hill Rd, Wappingers Falls - Schlathaus Garage
010 003 All Angels Hill Rd, Wappingers Falls - Schlathaus Shed
010 004 All Angels Hill Rd, Wappingers Falls - Schlathaus Bandstand
011 001 Pye Ln, Wappingers Falls - Martz Field Conc Stand
011 002 Pye Ln, Wappingers Falls - Martz Field Dugouts
012 001 Robinson Ln, Wappingers Falls - Concession Stand
012 002 Robinson Ln, Wappingers Falls - Storage Garage
012 003 Robinson Ln, Wappingers Falls - 18 Dugouts
012 004 Robinson Ln, Wappingers Falls - Dugouts & Storage
4
012 006 Robinson Ln, Wappingers Falls - Batting Cages
013 001 Montfort Rd, Wappingers Falls - Rec Offices
013 002 Montfort Rd, Wappingers Falls - Metal Storage Shed
013 003 Montfort Rd, Wappingers Falls - Metal Storage Shed
014 001 63 Martin Rd, Wappingers Falls - Royal Ridge Sewer Plant
014 002 63 Martin Rd, Wappingers Falls - Royal Ridge Sewer Pump
014 003 63 Martin Dr, Wappingers Falls - Royal Ridge Water Pump
015 001 43 Helen Dr, Wappingers Falls - Atlas Water Plant
015 002 Helen Dr, Wappingers Falls - Quiet Acres Storage
015 003 Helen Dr, Wappingers Falls - Quiet Acres Shelter
015 004 43 Helen Dr, Wappingers Falls - Atlas Pump House
016 001 Spook Hill Rd, Wappingers Falls - Restrooms
016 002 Spook Hill Rd, Wappingers Falls - Orchard Homes Water Pump
017 001 River Rd S, Wappingers Falls - Castle Point Pavillion
017 002 River Rd S, Wappingers Falls - Castle Point Restrooms
018 001 Cayuga Dr, Wappingers Falls - Water Pump House
019 001 18 Middlebush Rd, Wappingers Falls - Emergency Services Building
020 001 Airport Dr, Wappingers Falls - Concession Stand/Pavillion
021 001 99 Wheeler Hill Rd, Wappingers Falls - Greystone Mansion
021 002 99 Wheeler Hill Rd, Wappingers Falls - Greystone Chapel
021 003 99 Wheeler Hill Rd, Wappingers Falls - Greystone Dormitory
5
021 004 99 Wheeler Hill Rd, Wappingers Falls - Greystone Coach House
021 005 99 Wheeler Hill Rd, Wappingers Falls - Greystone Admin Offices
021 006 99 Wheeler Hill Rd, Wappingers Falls - Greystone Picnic Shelter
021 007 99 Wheeler Hill Rd, Wappingers Falls - Greystone Pump House
022 001 Mohawk Dr, Wappingers Falls - Water Pump Tank
023 001 Roberts Ln, Wappingers Falls - Water Pump House
024 001 137 Cider Mill Lp, Wappingers Falls - Water Tank
024 002 137 Cider Mill Lp, Wappingers Falls - Water Tank
025 001 1508 Rt 9, Wappingers Falls - Hannaford Sewer Pump
026 001 28 Nicole Dr, Wappingers Falls - Kendall Farms Sewer Pump
027 001 1 Kent Rd, Wappingers Falls - Kent Road Sewer Pump Station
028 001 60 Mac Farland Rd, Wappingers Falls - MacFarland Rd Sewer Pump
029 001 7 Russet Ln, Wappingers Falls - Sewer Pump Station
030 001 Eck Rd, Wappingers Falls - Lookout Point Water Pump Station
031 001 Cedar Hill Rd, Wappingers Falls - Cedar hill Sewer Pump Station
032 001 Fieldstone Circle, Wappingers Falls - Fieldstone Sewer Pump
033 001 Four Fields Ct, Wappingers Falls - Sewer Pump Station
034 001 Old Myers Corners Rd, Wappingers Falls - Sewer Pump Station
035 001 Baldwin Dr, Wappingers Falls - Davco Sewer Pump Station
036 001 Sherwood Hts, Wappingers Falls - Sewer Pump Station
037 001 Bellair Ln, Wappingers Falls - Pond View Sewer Pump Station
6
038
039
040
001
001
001
Seneca Dr, Wappingers Falls - Wappingers Park Water Pump
80 Front St, Chelsea - Floating Ramp
Various Locations, Wappingers Falls
7
PROPERTY
CAUSE
LOCATION # BUILDlNG# SUBJECT OF INSURANCE AMOUNT CO-INSURANCE VALUATION OF LOSS DEDUCTIBLE
ALL ALL BLKT BLDG/BPP $23,009,333 90% RC/AA SPECIAL $1,000
001 001 BUILDING $2,805,924 90% BLANKET $1,000
BUS PERS PROP $369,056 90% BLANKET $1,000
001 002 BUILDING $8,530 90% BLANKET $1,000
002 001 BUILDING $843,704 90% BLANKET $1 ,000
BUS PERS PROP $10,372 90% BLANKET $1 ,000
002 002 BUILDING $29,068 90% BLANKET $1,000
BUS PERS PROP $7,611 90% BLANKET $1 ,000
002 003 BUILDING $660,035 90% BLANKET $1 ,000
BUS PERS PROP $7,611 90% BLANKET $1 ,000
002 004 BUILDING $14,719 90% BLANKET $1 ,000
BUS PERS PROP $5,190 90% BLANKET $1 ,000
002 005 BUILDING $36,311 90% BLANKET $1 ,000
002 006 BUILDING $180,493 90% BLANKET $1,000
002 007 BUILDING $598,415 90% BLANKET $1,000
003 001 BUILDING $121 ,664 90% BLANKET $1 ,000
BUS PERS PROP $ 704 90% BLANKET $1,000
003 002 BUILDING $200,406 90% BLANKET $1,000
BUS PERS PROP $ 704 90% BLANKET $1 ,000
8
003 003 BUILDING $76,363 90% BLANKET $1 ,000
BUS PERS PROP $ 704 90% BLANKET $1 ,000
003 004 BUILDING $116,985 90% BLANKET $1 ,000
004 001 BUILDING $76,363 90% BLANKET $1,000
BUS PERS PROP $ 704 90% BLANKET $1,000
005 001 BUILDING $116,985 90% BLANKET $1 ,000
BUS PERS PROP $ 704 100% BLANKET $1,000
005 002 BUILDING $11,595 90% BLANKET $1 ,000
BUS PERS PROP $12,251 90% BLANKET $1 ,000
006 001 BUILDING $233,972 90% BLANKET $1 ,000
BUS PERS PROP $ 704 90% BLANKET $1 ,000
006 002 BUILDING $116,985 90% BLANKET $1 ,000
BUS PERS PROP $24,632 90% BLANKET $1 ,000
006 003 BUILDING $9,956 90% BLANKET $1,000
006 004 BUILDING $68,880 90% BLANKET $1,000
007 001 BUILDING $584,929 90% BLANKET $1 ,000
BUS PERS PROP $12,251 90% BLANKET $1 ,000
007 002 BUILDING $23,950 90% BLANKET $1 ,000
007 003 BUILDING $1,170 90% BLANKET $1 ,000
007 004 BUILDING $1,170 90% BLANKET $1 ,000
008 001 BUILDING $32,990 90% BLANKET $1,000
BUS PERS PROP $ 704 90% BLANKET $1,000
009 001 BUILDING $128,684 90% BLANKET $1,000
BUS PERS PROP $ 704 90% BLANKET $1,000
009 002 BUILDING $17,031 90% BLANKET $1 ,000
9
010 001 BUILDING $176,057 90% BLANKET $1 ,000
BUS PERS PROP $10,371 90% BLANKET $1,000
010 002 BUILDING $31 ,799 90% BLANKET $1,000
BUS PERS PROP $8,161 90% BLANKET $1 ,000
010 003 BUILDING $14,169 90% BLANKET $1 ,000
BUS PERS PROP $16,321 90% BLANKET $1 ,000
010 004 BUILDING $25,308 90% BLANKET $1,000
011 001 BUILDING $110,135 90% BLANKET $1 ,000
BUS PERS PROP $12,251 90% BLANKET $1,000
011 002 BUILDING $3,631 90% BLANKET $1,000
012 001 BUILDING $212,834 90% BLANKET $1,000
BUS PERS PROP $8,158 90% BLANKET $1 ,000
012 002 BUILDING $27,317 90% BLANKET $1 ,000
012 003 BUILDING $50,837 90% BLANKET $1 ,000
012 004 BUILDING $16,583 90% BLANKET $1 ,000
012 005 BUILDING $22,565 90% BLANKET $1 ,000
013 001 BUILDING $212,084 90% BLANKET $1 ,000
BUS PERS PROP $4,013 90% BLANKET $1 ,000
013 002 BUILDING $43,042 90% BLANKET $1 ,000
013 003 BUILDING $10,843 90% BLANKET $1 ,000
014 001 BUILDING $116,985 90% BLANKET $1 ,000
BUS PERS PROP $12,252 90% BLANKET $1 ,000
014 002 BUILDING $8,165 90% BLANKET $1 ,000
014 003 BUILDING $146,232 100% BLANKET $1 ,000
10
015 001 BUILDING $1,699,600 90% BLANKET $1 ,000
015 002 BUILDING $4,487 90% BLANKET $1 ,000
BUS PERS PROP $ 704 90% BLANKET $1 ,000
015 003 BUILDING $7,742 90% BLANKET $1,000
015 004 BUILDING $55,188 90% BLANKET $1 ,000
016 001 BUILDING $98,518 90% BLANKET $1 ,000
BUS PERS PROP $ 704 90% BLANKET $1 ,000
016 002 BUILDING $116,985 90% BLANKET $1 ,000
017 001 BUILDING $14,256 90% BLANKET $1 ,000
017 002 BUILDING $125,332 90% BLANKET $1 ,000
018 001 BUILDING $29,247 90% BLANKET $1,000
019 001 BUILDING $2,840,095 90% BLANKET $1,000
BUS PERS PROP $157,200 90% BLANKET
020 001 BUILDING $56,534 90% BLANKET $1 ,000
021 001 BUS PERS PROP $1,425 90% BLANKET $1 ,000
BI/EE $30,000 90%
021 002 BUILDING $660,910 90% BLANKET $1 ,000
021 003 BUILDING $3,762,677 90% BLANKET $1 ,000
021 004 BUILDING $256,935 90% BLANKET $1 ,000
021 005 BUILDING $230,510 90% BLANKET $1 ,000
021 006 BUILDING $21,578 90% BLANKET $1 ,000
021 007 BUILDING $7,836 90% BLANKET $1,000
11
022 001 BUILDING $11,363 90% BLANKET $1 ,000
023 001 BUILDING $116,985 90% BLANKET $1 ,000
024 001 BUILDING $760,408 90% BLANKET $1 ,000
024 002 BUILDING $1,169,859 90% BLANKET $1 ,000
025 001 BUILDING $116,985 90% BLANKET $1,000
026 001 BUILDING $146,232 90% BLANKET $1,000
027 001 BUILDING $233,972 90% BLANKET $1,000
028 001 BUILDING $116,985 90% BLANKET $1,000
029 001 BUILDING $116,985 90% BLANKET $1 ,000
030 001 BUILDING $116,985 90% BLANKET $1 ,000
031 001 BUILDING $146,232 90% BLANKET $1 ,000
032 001 BUILDING $146,232 90% BLANKET $1 ,000
033 001 BUILDING $116,985 90% BLANKET $1,000
034 001 BUILDING $116,985 90% BLANKET $1 ,000
035 001 BUILDING $146,232 90% BLANKET $1 ,000
036 001 BUILDING $146,232 90% BLANKET $1 ,000
037 001 BUILDING $146,232 90% BLANKET $1 ,000
038 001 BUILDING $116,985 90% BLANKET $1,000
12
NOTABLE EXCLUSIONS AND LIMITATIONS
Loss of Utilities
Pollution
Earthquake
Flood
Personal Property
Back up of Sewers & Drains
Valuable Items-Jewelry, Watches & Fur
Personal Property of Others
Damage to Electronic Data Processing System
VALUATION KEY
ACV = Actual Cash Value
RC = Replacement Cost
AA = Agreed Amount
13
CRIME
FORM
COVERAGE DESCRIPTION
LIMIT PER OCCURRENCE
DEDUCTIBLE
A
Employee Dishonesty - Blanket
Excess - Tax Collector
$15,000
$235,000
$ 500
$ 500
NOTABLE EXCLUSIONS AND LIMITATIONS
Owners Exclusion
Unbondable Individuals
Agent of 3fd Party Endorsement needs
Non Compensated OfficersNolunteers
Wire Transfer Coverage
EQUIPMENT PHYSICAL DAMAGE COVERAGE
Type of Coverage
Amount
Co-Insurance
Valuation
Deductible
Scheduled Equipment
Miscellaneous Tools & Equipment
$1,449,386
$183,000
$5,000 each
item
RC/AA
$500
$500
NOTABLE EXCLUSIONS & LIMITATIONS
Equipment Leased or rented to others
Rental Expense
Computer Virus
Care Custody & Control
Leased/Rented From Others
Business Income
Blanket Equipment
Flood & Earthquake
Newly Acquired Equipment
VALUATION KEY
ACV=Actual Cash Value
ST=Stated Amount
AA=Agreed Value
COMMERCIAL LIABILITY
COVERAGES
liMITS OF LIABILITY
Coverage Type:
Owners & Contractor's Protective
Each Occurrence:
$1,000,000
$1,000,000
$3,000,000
$3,000,000
$1,000,000
$5,000
Personal Injury & Advertising Injury:
General Aggregate:
Products/Completed Operations Aggregate:
Fire Damage Legal Liability:
Medical Expense - per person:
Designated Premises Liability Limitations
NOTABLE EXCLUSIONS AND liMITATIONS
Directors & Officers
Garage Liability
Employment Practices Liability
Professional Liability
Employee Benefits Liability
Environmental Impairment
Additional Insured for Products/Completed Operations
Fiduciary Liability
Care Custody & Control
Dissemination of malicious code
Known Injury or Damage
ERISA
Additional Insured for ongoing operations
2
PUBLIC OFFICIALS & EMPLOYMENT PRACTICES LIABILITY
COVERAGES
LIMITS OF LIABILITY
Coverage Type:
Claims Made
Full Prior Acts Included
Each Loss Limit:
$1,000,000
$3,000,000
$5,000
Annual Aggregate:
Retention:
Employee Benefits Administration
Included
NOTABLE EXCLUSIONS AND LIMITATIONS
Libel or Slander Dishonesty of Insurance (deliberate)
Trustees or fiduciaries under the pension
law
Gain of personal profit or advantage to
which insured was not legally entitled
3
GENERAL LIABILITY RATING BASIS
Location '1# Class Code
001 44103
001 48039
001 48727
001 61217
001 99943
RATING AND PREMIUM BASIS
Gross Sales - Per $1,OOO/Sales
Admissions - Per $1,000/ADM
Other
4
Description
Governmental Pop 25,001-50,000 including
Products/Completed Ops
Sewers - Prem charged upon audit
Street, Roads, Highways or Bridges incl P/CO
Buildings Prem Manufacturing Ins other than Not For
Profit including Products/Completed Ops
Water Companies including P/CO
Total Cost - Per $1,OOO/Cost
Area - Per $1,OOO/Sq Ft
Premium Basis
Premium Exposure
Other
Other
50
Other
102
Area
12,000
Payroll
Payroll- Per $1,OOO/Pay
Unit - Per Unit
BUSINESS AUTO
COVERAGE
AUTOS COVERED
LIMITS OF LIABILITY
Liability Insurance
Any Auto
$1,000,000 Combined Single Limit
Medical Payments
No Coverage
Uninsured Motorists
All Owned Autos
$1,000,000 Combined Single Limit
Underinsured Motorist
All Owned Autos
Included Combined Single Limit
Personal Injury Protection Total Limit
All Owned Autos Requiring No-Fault Insurance
$150,000 No Deductible
Optional Basic Economic Loss
Coverage declined
PHYSICAL DAMAGE
AUTOS COVERED
VALUATION
Comprehensive
Collision
Autos Specified on Schedule
Autos Specified on Schedule
Actual Cash Value Less Deductible (ACV)
Actual Cash Value Less Deductible (ACV)
NOTABLE EXCLUSIONS AND LIMITATIONS
Leased Value GAP Coverage
Pollution
Foreign Exposures
Drive other car
MCS90
Cargo
Spousal Liability
PPT Full Glass
Mobile Equipment
Customized/Modified Vehicles
Garage Liability
PPT Rental Coverage
5
VEHICLE SCHEDULE
COMPREHENSIVE COLLISION
VEHICLE # YEAR MAKE MODEL VEHICLE IDENTIFICATION # V ALUA TION DEDUCTIBLE DEDUCTIBLE
001 1990 INTER DUMP 1HTSETVR6LH230590 ACV $ 100 $ 500
002 1994 INTER 460 DUMP 1 HTSBZRK1RH580193 ACV $ 100 $ 500
003 1989 INTER DUMP 1HTLCZVVN7KH632657 ACV $100 $ 500
004 1987 INTER DUMP 1 HTZLDBR8HH495744 ACV $ 100 $ 500
005 1987 INTER TRAILER 1 JKPBS208HA070038 ACV $100 $ 500
006 1987 GMC DUMP 1 GDHR34J4HJ523648 ACV $ 100 $ 500
007 1987 INTER TRAILER 1 JKOOS209HA040076 ACV $100 $ 500
008 1991 INTER 470 TANKER 1 HTSCNPN9MH390766 ACV $ 100 $ 500
009 1993 INTER 480 DUMP 1 HTSEPPR2PH481195 ACV $100 $ 500
011 1995 INTER 480 DUMP 1HTSEAAR6SH635793 ACV $100 $ 500
012 1995 INTER 480 DUMP 1 HTSEAAR 1 SH641338 ACV $100 $ 500
013 1995 CHEVR 350 DUMP 1 GBKC34F9SJ 1 06562 ACV $100 $ 500
014 1993 FORD CARGO VAN 1FTFE24YOPHB81894 ACV $100 $ 500
015 1998 INTER 490 DUMP 1 HTSDAAR1WH529485 ACV $100 $ 500
016 1998 SIITE TRAILER 4K8NX1221W1 D26606 ACV $ 100 $ 500
017 1999 JEEP SPC SUBURB 1J4FF68S4XL648249 ACV $100 $ 500
018 1999 TOWNM TRAILER 4KNFT1920XL160567 ACV $100 $ 500
019 2000 INTER 254 DUMP 1 HTGBAAR 1 YH270270 ACV $100 $ 500
020 2000 INTER 254 UTIL 1 HTGBAAR5YH270269 ACV $100 $ 500
021 2000 CHEVR SK2 PICKUP 1 GCGK29UOYE244305 ACV $ 100 $ 500
022 2001 INTER 254 DUMP 1 HTGBAAR31 H346593 ACV $100 $ 500
023 2001 INTER 254 DUMP 1 HTGBAAR51 H346594 ACV $ 100 $ 500
024 2001 INTER 254 DUMP 1 HTGBAAR71 H346595 ACV $100 $ 500
025 2000 CHEVR GK2 PICKUP 1 GCGK24R6YF503697 ACV $ 100 $ 500
026 2000 FORD EXPLORER 1 FMZU71EXYZC68992 ACV $100 $ 500
027 1991 STARL FLATBED 13YFS2025MC035881 ACV $ 100 $ 500
028 1998 MIDAT TRAILER 5ANAF1824WROO0634 ACV $100 $ 500
029 1989 STARL FLATBED 13YFS1016KC027433 ACV $ 100 $ 500
030 2002 INTER 254 DUMP 1 HTGBAARX2H509547 ACV $ 100 $ 500
031 2002 INTER 254 DUMP 1 HTGBAAR82H509546 ACV $ 100 $ 500
6
032 2002 CHEVR SIL VER DUM 1 GBJK34G82E 120923 ACV $ 100 $ 500
033 1993 INTER 254 UTIL 1 HTGCN6T8PH481196 ACV $ 100 $ 500
034 2002 CHEVR 2KH PICKUP 1 GBHK24U12E159237 ACV $ 100 $ 500
035 2002 CHEVR 2KH PICKUP 1 GBHK24U92E 159308 ACV $ 100 $ 500
036 1991 FORD TRACTOR BC81885 FLTR FLTR
037 1991 CASE JAK0022634 FLTR FLTR
038 1987 CASE RBM 0017045491 FLTR FLTR
039 1991 CASE JJG0206000 FLTR FLTR
040 1999 SAMSU LOADER SL 1802NDY0478 FLTR FLTR
041 1979 FORD LOADER C610442 FLTR FLTR
042 2002 ST ARL TRAILER 13YFS20212C085433 ACV $ 100 $ 500
043 2002 CHEVR BLAZER 1 GNDT13WX2K215043 ACV FG $ 500
044 2003 CHEVR BLAZER 1 GNDT13X53K160351 ACV FG $ 500
045 2003 CHEVR SILVERADO 1 GCHK24U73E301202 ACV $ 100 $ 500
046 2003 CHEVR SILVERADO 1 GBJK34G63E341 034 ACV $100 $ 500
047 2004 INTER 740 DUMP 1 HTWDAAR34J086456 ACV $100 $ 500
048 2004 CHEVR SILVERADO 1 GBHK34U14E329315 ACV $100 $ 500
049 2005 INTER 7400 1 HTWDAAR75J044003 ACV $ 100 $ 500
050 2005 INTER 7400 1 HTWDAAR85J 140612 ACV $100 $ 500
051 1959 CA TERPILLE GRADER 430135KK
052 2005 CHEVY IMPALA 2G1WF52E059352189 ACV FG $ 500
053 2005 GMC DUMP 1 GDJK34225E 167980 ACV $100 $ 500
054 2005 FORD CROWN VIC 2FAHP71W55X163526 ACV FG $ 500
055 2005 FORD CROWN VIC 2FAHP71W95X163531 ACV $100 $ 500
057 1999 BOBCAT SKIDS LOAD 562211917 FLTR FLTR
058 1988 FORD EXPLORER 1 FMCU14T1JUC03481 ACV $ 100 $ 500
059 2005 TRACKMAST TRAILER 1ZFR05105D035743 ACV $100 $ 500
060 2007 INTER 4300LT 1 HTMNAAL47H528043 ACV $100 $ 500
061 2007 INTER 4300LT 1 HTMNAAL27H528042 ACV $ 100 $ 500
062 2007 GMC PICKUP 1 GTHK29UX7E 192703 ACV $100 $ 500
063 2007 GMC SIERRA 1 GDHK24U87E193738 ACV $100 $ 500
064 2007 GMC SIERRA 1GDHK24U17E193208 ACV $ 100 $ 500
065 2007 ST ARLlTE FLATBED 13YFS202X7C110112 ACV $ 100 $ 500
066 2007 FREIGHTLlN ALLlANZ 1 FV ACXDC77HW95828 ACV $100 $ 500
067 2008 CATERPILL 430E ST CAT0430ELEAT01264 FLTR FLTR
068 2004 DODGE STRATUS SE 1B3EL36T84N342371 ACV FG $ 500
069 2009 INTER 7400 1 HTWEAAR 19J065920 ACV $100 $ 500
070 2009 CHEVY 1 GCCS 149998146093 ACV $ 100 $ 500
071 2009 CHEVY 1 GCCS149298147263 ACV $ 100 $ 500
7
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EXCESS LIABILITY
LIMITS OF LIABILITY
COVERAGE TYPE
Occurrence
RETRO DATE N/A
COVERAGES
Each Occurrence
Annual Aggregate
Self Insured Retention
$10,000,000
$10,000,000
$10,000
Defense Costs
Unlimited (refer to policy endorsements/exclusions)
First Dollar Defense
REQUIRED UNDEIltL YING INSURANCE
Deductible Applied To Defense
TYPE OF INSURANCE
EFFECTIVE DATE
EXPIRATION DATE
LIMIT OF LIABILITY
Automobile Liability
01/22/11
01/22/11
$1,000,000
$3,000,000
$3,000,000
$1,000,000
$1,000,000
General Liability
01/22/11
01/22/12
Employers Liability
EBL
08/01/10
01/22/11
08/01/11
01/22/12
$1,000,000
NOTABLE EXCLUSIONS AND LIMITATIONS IN ADDITION TO THOSE ON REQUIRED UNDERLYING INSURANCE
Combined
Single Limit
Each Occurrence
General Aggregate
Prod/Comp Ops
Aggregate
Personal & Advertising
Injury
Bodily Injury
Property Damage
Workers' Compensation Trusts
--
..'"
PROPERTY
Coverage Highlights
The following apply unless noted otherwise in this proposal:
Ordinance
Coverage
Equipment
Breakdown
Debris Removal
Personal
Property
Off-Premises
Newly
Acquired
Property
Trees, Shrubs,
Plants & Lawns
Pollution
Clean-Up
. Applies to buildings insured on a replacement cost basis and when
damaged by a covered loss. Coverage applies when compliance is
required by applicable ordinance or law.
. Will pay for the loss of value of the undamaged portion of a building
that must be torn down. The amount paid for such loss is included in
your building limit and does not increase it.
. Will pay for the cost to demolish the undamaged portion of the
building and clear the site.
. Will pay the increased cost to repair or construct a damaged building.
. The demolition and increased costs of repair or construction are
covered up to 100% of the amount paid for the initial direct physical
loss or damage to the building.
. Covers the mechanical breakdown of equipment or the explosion of
pressure vessels at a covered premise. Covered equipment includes
such things as refrigeration equipment, air conditioners, cascade
units and boilers.
. Covers loss of income or extra expense you may suffer if utilities are
interrupted as a result of covered loss to covered equipment owned
by a landlord or utility company.
. Subject to Property Limits, and Sub-limits as noted here:
Hazardous Substances: $25,000.
. Covers up to 25% of the amount paid for direct physical loss of
covered property if the expense is incurred as a result of a covered
cause of loss.
. Pays the greater of $10,000 or the highest contents limit at any
location.
. Automatically covers newly acquired buildings, buildings under
construction, and contents at newly acquired locations.
. The automatic feature lasts for 90 days or the end of the policy
period, whichever is later.
. Limits are $1,000,000 for buildings and $500,000 for contents.
. Covered against loss by fire, lightning, explosion, civil commotion,
aircraft, vehicles and vandalism up to $10,000 anyone occurrence.
. Pollution must result from fire, lightning, windstorm, hail, explosion,
civil commotion, vehicles, aircraft, smoke, vandalism, sprinkler
leakage, sinkhole collapse, volcanic action, falling objects, the weight
of ice I snow I sleet, or water damage.
. Pays up to $25,000 in anyone policy period.
. No coverage for fungus, wet rot, dry rot, bacteria or asbestos.
PRIME PUBLIC ENTITY INSURANCE PROPOSAL (11-06)
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Outdoor Property
Commandeered
Property of
Others
Computer
Software
Money &
Securities
Valuable Papers
& Records
Accounts
Receivable
Recharge Costs
Deductible
Waiver
PROPERTY
Coverage Highlights
. Sirens, antennas, fences, benches, fixed playground items are
automatically covered away from your scheduled premises.
. Pays up to $10,000 anyone occurrence.
. Covers property of others you commandeer to manage an
emergency, including the owner's loss of use.
. Pays up to the actual replacement cost for direct physical loss or
damage to commandeered property caused by a covered cause of
loss.
. Coverage for the cost of restoring or replacing your data and the
media on which it is stored.
. Covered causes of loss include computer virus and the breakdown of
computer hardware.
. Applies on-premises or off-premises.
. Pays up to $250,000 in anyone occurrence; higher limits are
available.
. Covers theft, disappearance or destruction on-premises or off-
premises (except by your own employee or volunteer).
. Pays up to $10,000 in anyone occurrence; higher limits are
available.
. Pays the costs you incur to restore or replace any such documents
following a covered loss.
. Applies on-premises or off-premises.
. Pays up to $50,000 in anyone occurrence.
. Pays the costs you incur in restoring your accounts receivable
records following a covered loss.
. Also pays amounts you can't collect if your accounts receivable
records can't be restored.
. Applies on-premises or off-premises.
. Pays up to $50,000 in anyone occurrence.
. Will pay the cost to recharge fire extinguishing equipment at your
premises regardless of whether the discharge was accidental or was
the result of a covered cause of loss.
. No deductible.
. No dollar limit.
. If a Property claim occurs in conjunction with a claim under a PRIME
Auto Physical Damage or Equipment coverage, the various
deductibles will not be stacked.
. Only one deductible, the largest, will apply.
PRIME PUBLIC ENTITY INSURANCE PROPOSAL (11-06)
10
,I
GENERAL LIABILITY
Coverage Highlights
The following apply unless noted otherwise in this proposal:
Defense Costs
"Good Samaritan"
Liability
Contractual Liability
Fire Damage Legal
Liability
Law Enforcement
Liability
Health Care Liability
Cemetery Liability
. Payable in addition to the Limits of Insurance.
. Covers volunteer members and employees for liability arising
from actions on their own to render services at the scene of an
emergency requiring immediate action.
. Applies to professional health care or any other services.
. To qualify as a "Good Samaritan", the individual must act
independently of your organization or any other organization.
. Covers you for liability you agreed to assume of another party,
either orally or in writing.
. The claim must be otherwise covered (not excluded).
. Covers you for liability for fire damage to premises you may rent
or temporarily occupy with the permission of the owner.
. Also, covers you for liability for damage, other than fire damage,
to premises rented or loaned to you for not more than 30
consecutive days.
. Covers you for liability for acts, errors or omiSSions for
operations you authorize in course of law enforcement.
. Covers you for liability for the health care services provided by
your firefighting, emergency medical services or rescue squad
units.
. Covers you for bodily injury or property damage arising out of
rendering professional services in the conduct of cemetery
operations.
. Coverage extends property damage to property of others while
in your care and awaiting burial.
PRIME PUBLIC ENTITY INSURANCE PROPOSAL (11-06)
20
"
Pollution Liability
Asbestos Liability
Watercraft Liability
Damage to Property
of Persons Receiving
Services
GENERAL LIABILITY
Coverage Highlights
. Covers you for bodily injury or property damage arising out of a
pollution incident resulting from any of the following:
. heat, smoke or fumes from a hostile fire,
. emergency operations away from your premises,
. training activities,
. water runoff from the cleaning of equipment,
. escape of fuels or lubricants from mobile equipment,
. escape or back-up of sewage or waste-water if property
damage occurs away from land you own or lease,
. application of pesticides or herbicides.
All pollution incidents must be accidental, unintended and
stopped as soon as possible.
. Covers you for bodily injury or property damage arising out of
asbestos released as a result of firefighting, emergency medical
services or rescue squad operations conducted away from
premises you own, rent or occupy.
. Covers you for bodily injury or property damage arising from
your use of the following:
. non-owned boats (unless carrying persons or property for a
charge ),
. owned boats that are not powered by motors,
. owned boats that are powered by motors of not more than
100 horsepower, and
. jet skis and wave runners regardless of horsepower.
. Covers you for liability for a personal property loss suffered by a
member of the public receiving services from you, provided the
loss is caused by theft, physical damage or disappearance.
. Subject to a $100 deductible each occurrence.
. Coverage is limited to firefighting, emergency medical services
or rescue squad units.
PRIME PUBLIC ENTITY INSURANCE PROPOSAL (11-06)
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