MISSOURI INTERGOVERNMENTAL RISK MANAGEMENT ASSOCIATION COVERAGE PACKET INDEX. July 1, 2011 to June 30, 2012

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2 MISSOURI INTERGOVERNMENTAL RISK MANAGEMENT ASSOCIATION COVERAGE PACKET INDEX July 1, 2011 to June 30, 2012 This index is not a part of the Coverage Packet but is simply a guide provided to aid in locating information. PART I COMMON COVERAGE CONDITIONS DESCRIPTION PAGE SECTION I - COMMON COVERAGE CONDITIONS A. COVERAGE TERRITORY 1-2 B. DUTIES IN THE EVENT OF AN OCCURRENCE, CLAIM OR LAWSUIT 1-2 C. DEFENSE BY MEMBERS NOT PERMITTED 1-3 D. CROSS LIABILITY 1-3 E. COMMUTATION 1-3 F. SOVEREIGN IMMUNITY 1-4 G. SALVAGE AND RECOVERY 1-4 H. INSPECTIONS, AUDIT AND VERIFICATION OF VALUES 1-4 I. BANKRUPTCY AND INSOLVENCY 1-4 J. OTHER INSURANCE 1-4 K. SUBROGATION 1-5 L. WAIVER OF SUBROGATION 1-5 M. CONFLICTING STATUTES 1-5 N. CONCEALMENT, MISREPRESENTATION, OR FRAUD 1-5 O. INCORPORATION OF BY-LAWS 1-6 P. CONSENT TO JURISDICTION AND FORUM SELECTION 1-6 Q. DUTY TO DEFEND AND APPLICATION OF COVERAGE LIMITS 1-6 R. BASIS OF COVERAGE 1-7 SECTION II - AGENT OF RECORD 1-7 SECTION III - CLAIMS 1-8 SECTION IV DEFINITIONS 1-9 PART II COMMERCIAL PROPERTY AND BOILER & MACHINERY DESCRIPTION PAGE SECTION I - LIMIT OF COVERAGE A. COMMERCIAL PROPERTY 2-1 B. BOILER & MACHINERY 2-2 FY2012 i

3 SECTION II COMMERCIAL PROPERTY COVERAGE A. COVERAGE Covered Property Covered Cause of Loss 2-4 B. ADDITIONAL COVERAGES 1. Debris Removal Extra Expense Expediting Expense Fire Department Service Charge Fire Protective Equipment Discharge Ordinance or Law Preservation of Property Water, Other Liquids, Powder or Molten Material Damage Property of Others 2-7 C. EXCLUDED CAUSES OF LOSS 2-7 D. EXCLUDED PROPERTY 2-10 E. DEDUCTIBLES 2-12 SECTION III BOILER AND MACHINERY COVERAGE A. COVERAGE 1. Covered Object Covered Accident 2-12 B. ADDITIONAL COVERAGES Business Interruption Expediting Expense Extra Expense Consequential Damages Hazardous Substances Limitation Ammonia Contamination Water Damage Off Premises Service Interruption 2-14 C. EXCLUSIONS 2-15 D. DEDUCTIBLES 2-16 SECTION IV SPECIAL CONDITIONS A. VALUATION 2-17 B. PAYMENTS 2-17 C. DEDUCTIBLE 2-18 D. RECOVERED PROPERTY 2-18 E. MORTGAGE CLAUSE 2-18 F. NEWLY ACQUIRED PROPERTY 2-18 G. ERRORS IN REPORTING 2-18 H. APPRAISAL 2-19 FY2012 ii

4 PART III COMPREHENSIVE GENERAL LIABILITY, E&O AND AUTO LIABILITY DESCRIPTION PAGE SECTION I - LIMIT OF COVERAGE A. BODILY INJURY & PROPERTY DAMAGE, PERSONAL & ADVERTISING, E&O 3-1 B. AUTO LIABILITY Non-owned Automobile Uninsured Motorist 3-1 C. ANNUAL AGGREGATE 3-1 SECTION II - BODILY INJURY AND PROPERTY DAMAGE LIABILITY A. COVERAGE AGREEMENT 3-2 B. EXCLUSIONS Expected or intended, criminal, fraudulent, or dishonest act Injunctive, declaratory, and/or non-monetary relief Breach of contract or of fiduciary duty Any land use issue, eminent domain, condemnation, blighting action Regulating the use, fitness, maintenance, repair or demolition of real property Failure to supply any utility service Employment practices Medical malpractice The ownership, operation, use or maintenance of any railroad Responsibility for any deductible Asbestos Mold Pollutants Lead Public swimming pool which is loaned, rented or leased Sexual or physical abuse, molestation or sexual misconduct Collapse or failure of any dam Any claim arising out of any act, policy, procedure that is excluded Any event or facility involving Motorcycles, dirt bikes, go-carts, scooters, ATV s, golf carts, demolition derbies, stunt driving or auto racing Any event or facility involving trucks, tractors, lawn tractors, and mowers, bicycles, martial arts, boxing, kickboxing, mixed martial arts, ultimate fighting, climbing walls, carnivals, fireworks and balloon aircraft Amusement parks Explosives Public firearms shooting range Exposure to blood, blood products or blood by-products Exposure to HIV, AIDS Airports Lawsuit by any official against another official of the same Member Actions of any police officer that is not a valid, licensed peace officer The Old Federal Building, Hannibal, Missouri Workers' Compensation Bodily injury to spouse, child, parent, brother or sister of an employee 3-8 FY2012 iii

5 32. Bodily injury to a fellow employee Aircraft, automobiles or watercraft The transportation of heavy equipment or racing, speed or demolition contest War Property damage property you own, rent or occupy Punitive or exemplary damages Securities Taxes, fines, fees, or levies Fines or expense arising from any governmental authority or regulatory agency The furnishing alcoholic beverages to a person under the legal drinking age Electromagnetic radiation Silica Employees on boards that not under the member s control 3-10 C. DEDUCTIBLE 3-10 SECTION III - PERSONAL AND ADVERTISING INJURY LIABILITY A. COVERAGE AGREEMENT 3-10 B. EXCLUSIONS 3-11 SECTION IV - ERRORS & OMISSIONS A. COVERAGE AGREEMENT 3-13 B. EXCLUSIONS 3-14 C. ADDITIONAL COVERAGE Limited Defense for injunctive, declaratory or other non-monetary relief Limited Defense for employees serving on boards that are not under the member s control Limited Defense for demolishing a building that is an imminent threat to public property 3-18 SECTION V - AUTO LIABILITY COVERAGE A. COVERAGE 1. Coverage Agreement Additional Coverages 3-19 B. EXCLUSIONS 3-21 PART IV CRIME, WORK COMP., AUTO PHYSICAL DAMAGE AND EMPLOYMENT PRACTICES DESCRIPTION PAGE SECTION I - LIMIT OF COVERAGE A. CRIME 4-1 B. WORKERS COMPENSATION & EMPLOYERS LIABILITY 4-1 C. AUTO PHYSICAL DAMAGE 4-1 D. EMPLOYMENT PRACTICES LIABILITY 4-1 FY2012 iv

6 SECTION II - CRIME COVERAGE A. COVERAGE 1. Coverage Agreement - Employee Theft Coverage Agreement - Money and Securities 4-2 B. EXCLUSIONS 4-2 SECTION III - WORKERS COMPENSATION & EMPLOYERS LIABILITY A. COVERAGE 1. Coverage Agreement Workers Compensation Coverage Agreement Employers Liability 4-3 B. EXCLUSIONS 4-4 SECTION IV AUTOMOBILE PHYSICAL DAMAGE A. COVERAGE 1. Coverage Agreement Additional Coverage 4-4 B. EXCLUSIONS 4-5 C. DEDUCTIBLE 4-5 SECTION V - EMPLOYMENT PRACTICES LIABILITY A. COVERAGE 1. Coverage Agreement 4-6 B. EXCLUSIONS 4-6 C. DEDUCTIBLE 4-7 D. CONDITIONS 4-8 FY2012 v

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