Coverage Checklist. Supporting Documentation to Risk Financing Breakout Session March 10, Market Knowledge Matters.
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1 Market Knowledge Matters Coverage Checklist Supporting Documentation to Risk Financing Breakout Session March 10, 2014 The enclosed Coverage Checklist is for illustration purposes only. It is not a legal contract nor is it a comprehensive listing of all coverage, terms, and conditions that a synagogue should consider when purchasing insurance. Although this is a tool that can be used to self-evaluate your insurance program, we recommend a licensed professional review your coverage for its sufficiency to your business operations. In providing this checklist to you, we take on no legal liability as an advisor to your synagogue. Presentation by: Matt Hayes, CIC direct mobile matth@sovinsurance.com
2 Property Coverage Industry Standards Yes / No Covered Locations All owned & rented locations Property Deductible $500 to $10,000 Blanket Limit Standard - this adds all your buildings & contents together for one combined limit Scheduled Property Limits Not Advisable Average Cost Per Square Foot (Divide SF by Building Value) Minimum $150 per SF Average Contents Values Between 10-20% of Building Value Equipment Breakdown Coverage Business Income & Extra Expense Lowest Limit $100,000 - Recommend Minimum 30% of Budget Cause of Loss Special Form Valuation Replacement Cost Coinsurance Not Advisable Agreed Value Endorsement Ask for - Waives Coinsurance Penalties Ordinance & Law - Combined Limit Minimum 10-20% of Blanket Limit Ordinance & Law - Undamaged Portion of Building Building Limit Ordinance & Law - Demolition & Debris Removal $300,000 Ordinance & Law - Code Upgrade $300,000 Water Damage (Additional Limit) $10,000 Scheduled Property (Fine Arts) Only for high value or difficult to replace items Scheduled Property (Torahs) Only recommend scheduling for highly valued or historically rare pieces. (If you can go buy one it might not need to be scheduled) SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 1
3 Crime Coverage Industry Standards Yes / No Employee Dishonesty / Theft Minimum $100,000 Forgery & Alteration Minimum $50,000 Money & Securities - Premises Coverage Only For Cash or Securities Money & Securities - Off Premises Coverage Only For Cash or Securities Money & Securities - Peak Season Only For Cash or Securities Computer Theft & Funds Transfer Coverage Optional Money Order & Counterfeit Currency Optional Fiduciary Liability Recommended if you administer a 403b or equivalent retirement plan Form Type Loss Discovered Deductible Typically Follows Property Deductible SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 2
4 Liability Coverage Industry Standards Yes / No Insuring Agreements CGL - Occurrence Form Primary Insurance Conditions Right & Duty to Defend Rating Basis Synagogue Square Footage, Preschool Operations, K-12 School Operation, Gross Sales of Gift Shops, # of Employees, Gross Revenues, Pools, Special Events General Liability (Occurrence) $1,000,000 General Liability (Aggregate) $3,000,000 Products Completed Aggregate $3,000,000 Personal Advertising Injury $1,000,000 Medical Payments Per Person $10,000 Professional (Counseling) Liability $1,000,000 Employee Benefits Liability $1,000,000 Sexual Misconduct (Occurrence Based) $1,000,000 Coverage for Alleged Perpetrator Directors & Officers Liability $1,000,000 Employment Practices Liability Minimum $500,000 Educators Legal Liability If K-12 School Operation Hired & Nonowned Auto Liability $1,000,000 if no owned automobiles Members as Insureds SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 3
5 Business Automobile Industry Standards Yes / No Limit of Liability $1,000,000 Covered Liability Symbol 1 - Any Auto Uninsured Motorists $1,000,000 Underinsured Motorists $1,000,000 Medical Payments Highest limit available - varies per state Hired & Nonowned Auto Liability Hired Car Physical Damage $50,000 Drive Other Car Coverage, where insurable Rental Reimbursement, where insurable Comprehensive & Collision Physical Damage Coverage Rating Basis For vehicles over a agreed upon threshold of value All owned & leased vehicles titled in the synagogue's name SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 4
6 Workers Compensation Industry Standards Yes / No Coverage A - Statutory Workers Compensation Benefits Statutory Benefits Coverage B - Employers Liability Limits Minimum of $500k/$500k/$500k Other States All States Except Monopolistic Experience Modification Factor Varies based on historical losses Scheduled Credit Ask for highest available credit - carriers limited per state statute on amount Payroll - Synagogue Professional Review for accuracy - policies are auditable Payroll - Synagogue Non Professional Review for accuracy - policies are auditable Payroll - Day Care or Preschool Professional Review for accuracy - policies are auditable Payroll - Day Care or Preschool Non Professional Review for accuracy - policies are auditable SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 5
7 Umbrella Coverage Industry Standards Yes / No Limit of Liability Limits between $1M & $10M Form Type Typical is Umbrella Self-Insured Retention Waived if underlying coverage Bodily Injury & Property Damage Personal Advertising Injury Business Automobile Professional (Counseling) Liability Employers Liability (portion of your Workers Compensation Coverage) Directors & Officers Liability Ask to include Employment Practices Liability Ask to include Sexual Abuse Coverage Ask to include SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 6
8 Other Coverage Considerations Needed If? Yes / No Foreign Liability & Employers Responsibility Traveling outside US - "Travel Policies" may not sufficiently cover exposures. Premiums start at $1,250 per year Cyber Liability Online donations, paper records with personally identifiable information Student Accident Coverage Coverage for children/students of school operations to pay excess of health insurance if injured during school activity. Fiduciary Liability Synagogue sponsors any 403b or equivalent retirement plans Storage Tank Pollution Liability You have underground or aboveground storage tanks for oil, propane, etc. Flood Coverage Certificates of Insurance If you are in a high hazard zone for mortgage requirements and protection. However, 25% of floods take place in low risk areas. Be sure to secure COI from all outside groups or vendors that perform work at the synagogue. If not, your liability insurance may extend over those groups. SOVEREIGN INSURANCE GROUP 400 W Lancaster Ave., Devon PA Page 7
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