Insurance Summary. Washington Counties Risk Pool RW Johnson Road SW, #106 Tumwater, WA Elizabeth Miser, CPCU Area Vice President

Transcription

1 Cover Pag e Insurance Summary Washington Counties Risk Pool 2558 RW Johnson Road SW, #106 Tumwater, WA Elizabeth Miser, CPCU Area Vice President 1501 Market Street Suite 250 Tacoma, WA elizabeth_miser@ajg.com Arthur J. Gallagher & Co.

2 Table of Cont ents Washington Counties Risk Pool Table of Contents Our Team and Commitment... 3 Service Team & Commitment... 4 Your Program... 5 Named Insured... 6 Insurance Company Ratings and Admitted Status... 8 Casualty Reinsurance - Berkley Insurance Company Casualty (Facultative) Reinsurance - Lloyd's Syndicate 2987, (More) Excess Liability - $10M Excess of $10M - Lexington Insurance Company Optional Excess Liability - $5M excess of $20M - Lexington Insurance Company Cyber Liability - Indian Harbor Insurance Company Claims Reporting By Policy

3 Our T eam and Co mmitment Washington Counties Risk Pool Our Team and Commitment

4 Service Team & Co mmit ment Team Elizabeth Miser has primary service responsibility for your company. We operate using a team approach. Your Service Team consists of: NAME / TITLE PHONE / ALT. PHONE Elizabeth Miser, CPCU Area Vice President John Chino, ARM-PE, CSRM Area Senior Vice President Vicki Alridge, CPCU Senior Client Service Manager - Liability Shon O Fallon Claims Representative Tim Chace Loss Control Representative Vicki Alridge, CPCU Surplus Lines Compliance Manager Direct Cell Direct Cell Fax elizabeth_miser@ajg.com John_Chino@ajg.com Direct vicki_alridge@ajg.com Direct Fax Direct Fax Shon_ofallon@ajg.com Tim_Chace@ajg.com vicki_alridge@ajg.com Main Office Phone Number: (253)

5 Your Prog ram Washington Counties Risk Pool Your Program

6 Nam ed Insur ed Washington Counties Risk Pool Named Insured LINE OF COVERAGE All Lines of Coverage included in this proposal NAMED INSURED Washington Counties Risk Pool (WCRP) Adams County Benton County Chelan County Clallam County Columbia County Cowlitz County Douglas County Franklin County Garfield County Grays Harbor County Island County Jefferson County Casualty, Property and Cyber Coverage Kittitas County Lewis County Mason County Okanogan County Pacific County Pend Oreille County San Juan County Skagit County Skamania County Spokane County Thurston County Walla Walla County Whatcom County Yakima County Benton County Clallam County Cowlitz County Optional Excess Liability - $5 Million excess of $20 Million Franklin County Garfield County Island County Jefferson County Kittitas County Lewis County 6

7 Named Insured (Cont.) LINE OF COVERAGE NAMED INSURED Mason County Pacific County Pend Oreille County Skagit County Thurston County Walla Walla County Yakima County Note: Any entity not named in this proposal may not be an insured entity. This may include partnerships and joint ventures. 7

8 Mar ketpl ace Revi ew Insurance Company Ratings and Admitted Status Washington Counties Risk Pool Insurance Company Ratings and Admitted Status PROPOSED INSURANCE COMPANIES A.M. BEST'S RATING Berkley Insurance Company A+ XV Admitted Indian Harbor Insurance Company A XV Non-Admitted Lexington Insurance Company A XV Non-Admitted Lloyd's Syndicate 2987 A XV Non-Admitted Pennsylvania Manufacturers Assoc Ins Co A IX Admitted ADMITTED / NON- ADMITTED If the above indicated coverage is placed with a Non-Admitted Carrier, the carrier is doing business in the state as a surplus lines or non-admitted carrier. As such, this carrier is not subject to the same regulations which apply to an admitted carrier nor do they participate in any insurance guarantee fund applicable in that state. *The above A.M. Best Rating was verified on the date the proposal document was created. Best's Insurance Reports, published annually by A.M. Best Company, Inc., presents comprehensive reports on the financial position, history, and transactions of insurance companies operating in the United States and Canada. Companies licensed to do business in the United States are assigned a Best s Rating which attempts to measure the comparative position of the company or association against industry averages. A Best s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company s financial strength and ability to meet its obligations to policyholders. View the A.M. Best Important Notice: Best s Credit Ratings for a disclaimer notice and complete details at Best s Credit Ratings are under continuous review and subject to change and/or affirmation. For the latest Best s Credit Ratings and Best Credit Reports (which include Best Ratings), visit the A.M. Best website at See Guide to Best s Credit Ratings for explanation of use and charges. Copies of the Best s Insurance Reports for carriers listed above are also available upon request of your Gallagher representative. Best s Credit Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of (Licensee s publication or service) or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best s Credit Ratings. Best s Credit Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company. Gallagher companies use A.M. Best Company s rating services to evaluate the financial condition of insurers whose policies we propose to deliver. Gallagher companies make no representations and warranties concerning the solvency of any carrier, nor does it make any representation or warranty concerning the rating of the carrier which may change. 8

9 Insurance Company Ratings and Admitted Status (Cont.) 9

10 Premium Summary Casualty Rei ns uranc e - Ber kl ey Ins uranc e C ompany Washington Counties Risk Pool Program Details Coverage: Carrier: Casualty Reinsurance Berkley Insurance Company Policy Period: 10/1/2016 to 10/1/2017 Form Type: COVERAGE Excess Liability FORM TYPE Occurrence Coverage: AMOUNT BASIS Layer One: -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Automobile Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability - -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability Layer Two: -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Automobile Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability Layer Three: -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Automobile Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability -General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Public Officials Liability, Employment Practices Liability and Employee Benefits Liability Up to $900,000 $40,000,000 $1,000,000 $20,000,000 $3,000,000 $30,000,000 Ultimate Net Loss for each Loss Occurrence, each Member or combination of Members Annual Aggregate Limit for all Members combined Ultimate Net Loss for each Loss Occurrence, each Member or combination of Members Annual Aggregate Limit for all Members combined Ultimate Net Loss for each Loss Occurrence, each Member or combination of Members Annual Aggregate Limit for all Members combined Retained Limit: TYPE The reinsurance provided is excess of $100,000 of the liabilities of WCRP, with the exception of claims attributable to Thurston County, where the reinsurance provided is excess of $250,000 of the liabilities of the WCRP, and with the exception of Spokane and Yakima Counties, where the reinsurance provided is excess of $500,000 of the liability of the WCRP. 10

11 Program Details (Cont.) Retained Limit: TYPE The Retained Limit includes an additional Loss Corridor of $4,350,000 applicable to covered losses arising out of General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Automobile Liability, Public Officials Liability, Employment Practices Liability, and Employee Benefits Liability. This applies to the $1,900,000 excess of $100,000 Layer. Business Covered: General Liability, including Sexual Abuse, Products Liability, Law Enforcement Liability, Automobile Liability, Public Officials Liability, Employment Practices Liability, and Employee Benefits Liability Reinsurance Conditions: General Liability Cancellation by either party with 90 days prior written notice of anniversary date Treatment of Loss Expense Inside Retention / Inside Reinsurance Limit Claim Reporting Requirements You must notify us and provide information in the manner specified below of any Accident, Occurrence, Wrongful Act or Claim, regardless of the coverage or liability which: i. Results in the establishment of a reserve, or would reasonably require the establishment of a reserve, for damages which equals or exceeds 50% of the applicable pool retention; or ii. Involves any of the following: a. Fatalities; b. Spinal cord injuries with paralysis; c. Severe burns; d. Brain injuries; e. Amputations; f. Sexual harassment or molestation claims; g. Class Action suits; h. Serious sensory impairments; i. Serious disfigurement or scarring; j. Extra Contractual Obligation or Excess Judgment Claims, if covered hereunder; k. Major organ injuries; l. Multiple Fractures Claims Handling Washington Counties Self-Administered No change in TPA without approval by Berkley. First notice of claims should be sent to PublicEntityClaims@wrberkley.com The Reinsurer will provide a fund of $150,000 to be used for Risk Control Services that are mutually agreed to by the Reinsurer and the Reinsured. TRIA included EPLI Legal Advice Services 11

12 Program Details (Cont.) Defense Limitations: DEFENSE COST DOLLAR LIMIT Applies DEFENSE COST TYPE / COMMENTS Within Policy Limits (expenses erode policy limit) Other Significant Terms and Conditions/Restrictions: Changes in the underlying memorandum of coverage require Reinsurer prior approval. 12

13 Program Details (Cont.) Member Limits and Deductibles Option 1 Member Retention First Layer Limit ADAMS $100,000 $900,000 BENTON $100,000 $900,000 CHELAN $100,000 $900,000 CLALLAM $100,000 $900,000 COLUMBIA $100,000 $900,000 COWLITZ $100,000 $900,000 DOUGLAS $100,000 $900,000 FRANKLIN $100,000 $900,000 GARFIELD $100,000 $900,000 GRAYS HARBOR $100,000 $900,000 ISLAND $100,000 $900,000 JEFFERSON $100,000 $900,000 KITTITAS $100,000 $900,000 LEWIS $100,000 $900,000 MASON $100,000 $900,000 OKANOGAN $100,000 $900,000 PACIFIC $100,000 $900,000 PEND OREILLE $100,000 $900,000 SAN JUAN $100,000 $900,000 SKAGIT $100,000 $900,000 SKAMANIA $100,000 $900,000 SPOKANE $500,000 $500,000 THURSTON $250,000 $750,000 WALLA WALLA $100,000 $900,000 WHATCOM $100,000 $900,000 YAKIMA $500,000 $500,000 Subject to Audit: Not Auditable 13

14 Casualty (Fac ultati ve) R eins uranc e - Lloyd's Syndic ate 2987, (M ore) Washington Counties Risk Pool Program Details Coverage: Casualty (Facultative) Reinsurance Carrier: Lloyd's Syndicate 2987(BRIT) 50% Participation Pennsylvania Manufacturers Assoc Ins Co (Old Republic) 50% Participation Policy Period: 10/1/2016 to 10/1/2017 Form Type: COVERAGE FORM TYPE RETROACTIVE DATE PENDING & PRIOR DATE Excess Liability Occurrence Not Applicable Not Applicable Coverage (including Limits/Sublimits): Excess Limit LIMIT $5,000,000 excess of $5,000,000 underlying $50,000,000 General Aggregate for All Members Combined Underlying Policies: COVERAGE LIMIT CARRIER AND POLICY TERM Facultative Reinsurance General Liability including Sexual Abuse; Products Liability; Law Enforcement Liability; Automobile Liability; Public Officials Liability; Employment Practices Liability; Employee Benefits Liability $3,000,000 XS $2,000,000 Berkley Insurance Company October 1, 2016 to October 1, 2017 Endorsements include, but are not limited to: Exhibit A - Schedule of Limits per Member Exhibit B Minimum Earned Premium Endorsement Exhibit C Security Underwriters at Lloyd s Exclusions include, but are not limited to: Workers Compensation, Auto No Fault, Uninsured/ Underinsured Motorists, Disability, and Unemployment Compensation Laws Pollution (Hostile Fire Exception) Asbestos Physical Damage to Property in Insured s Care, Custody, or Control Auto First-party Coverage Pollution (Auto) 14

15 Program Details (Cont.) Exclusions include, but are not limited to: Products Recall Date Related Losses Employment Related Practices Exclusion Total Pollution Exclusion Professional Liability Exclusion Retained Limit Exhibit D War and Terrorism Exclusion Exhibit E Nuclear Incident Exclusion Exhibit F Asbestos Exclusion Exhibit G Lead Exclusion Clash coverage Defense Limitations: COVERAGE TYPE DEFENSE COST DOLLAR LIMIT DEFENSE COST TYPE / COMMENTS Reinsurance Limit Applies Within Policy Limits (expenses erode policy limit) Binding Requirements: Signed Uninsured/Underinsured Motorist Coverage Forms must be received by Underwriters prior to inception. Other Significant Terms and Conditions/Restrictions: Policy Premium: $938,750 Total Premium: $938,750 Capacity: Certain Underwriters at Lloyd's (Brit Syndicate %); Pennsylvania Manufacturers Association Insurance Company - 50% Coverage: Reinsurance of bodily injury, personal injury, property damage, errors and omissions, advertising injury and as more fully defined below and in the MLC for Washington Counties Risk Pool (WCRP) Joint Self-Insurance Liability Program (hereinafter referred to as Wording or Policy ) which is understood to be incorporated in and form part of this Quotation or Binder. Territorial Limits: Worldwide as more fully defined in the Wording and applicable Forms and Endorsements. Law: State of Washington Jurisdiction: United States of America Service of Suit: Walker Wilcox Matousek LLP, 225 West Washington Street, Suite 2400, Chicago, IL Participation: 50% - Underwriters at Lloyd s, London (Brit Syndicates BRT 2987); 50% Pennsylvania Manufacturers Association Insurance Company 15

16 Program Details (Cont.) Other Significant Terms and Conditions/Restrictions: Reinsurance of the 2016 MLC for Washington Counties Risk Pool (WCRP) Joint Self-Insurance Liability Program is subject to review and approval by Brit s legal counsel Liability occurrence and aggregate limits, sublimits, maintenance deductibles and retroactive dates will be shown in Exhibit A Schedule of Limits per Member as per the schedule provided to Underwriters. Member Addition rates to be determined. TRIA/TRIPRA not applicable to reinsurance Currency Clause: All premiums, limits, deductibles, CLAIMS, and other amounts under this Policy are expressed and payable in United States Dollars (USD). The dollar symbol ($) used within this policy represents United States Dollars (USD). No flat cancellations allowed. Notify reinsurer of all losses that: 1) Exceed fifty percent (50%) of the Reinsured's retention; 2) May result in a claim under this Reinsurance Contract Reinsured is also responsible for notifying the Reinsurer of all losses that involve: 1. Spinal cord damage, including injuries with paraplegia, quadriplegia, or full or partial paralysis; 2. Brain or brain stem damage; 3. Serious head injury including skull fracture; 4. Serious burns, including burns to 25% or more of the body; 5. Any amputation or loss o fuse of a major extremity or multiple minor extremities; 6. Sexual abuse or harassment; 7. Any suit filed as a class action, whether any such class action or class is certified; 8. Fatalities; 9. Sensory loss (including sight, hearing, smell, touch or taste); 10. Major organ damage/injuries; 11. Serious disfigurement or scarring; 12. Extra Contractual Obligation or Excess of Policy Limits claims, if covered hereunder; 13. Multiple fractures. Minimum Earned Premium % Subject to Audit: Not Auditable 16

17 Excess Liability - $10M Exc ess of $10M - Lexington Insurance Company Washington Counties Risk Pool Program Details Coverage: Follow Form Excess Liability - $10M Excess of $10M Carrier: Lexington Insurance Company Policy Period: 10/1/2016 to 10/1/2017 Form Type: COVERAGE FORM TYPE RETROACTIVE DATE PENDING & PRIOR DATE Excess Liability Occurrence Not Applicable Not Applicable Coverage (including Limits/Sublimits): Excess Limit AMOUNT $10,000,000 excess of $10,000,000 underlying $100,000,000 General Aggregate Underlying Policies: COVERAGE LIMIT CARRIER(S) AND POLICY TERM Facultative Reinsurance General Liability, including Sexual Abuse / Products Liability / Law Enforcement Liability / Automobile Liability / Public Officials Liability / Employment Practices Liability / Employee Benefits Liability $5,000,000 excess of $5,000,000 Lloyd s Syndicate # % Pennsylvania Manufacturers Association Insurance Company October 1, 2016 to October 1, 2017 Endorsements include, but are not limited to: Schedule of Underlying Insurance Economic Sanctions Endorsement Deletion of Specified OFAC Language Endorsement Minimum Earned Premium 25% Crisis Response Coverage Extension Endorsement Act of Terrorism Retained Limits Endorsement Indiana Amendatory Endorsement Named Insured Amendment Exclusions include, but are not limited to: Workers Compensation, Auto No Fault, Underinsured Motorists, Disability, and Unemployment Compensation Laws Pollution (Hostile Fire Exception) 17

18 Program Details (Cont.) Exclusions include, but are not limited to: Asbestos Physical Damage to Property in Insured s Care, Custody, or Control Auto First-party Coverage Pollution (Auto) Products Recall Date Related Losses Employment Related Practices Exclusion Total Pollution Exclusion Professional Liability Exclusion Retained Limit No Fault, Uninsured Motorists, Personal Injury Protection Exclusion- LEXCME081 (09/02) Lead Exclusion (Follow form Excess Liability) - LX8381 (04/08) Additional Exclusions & Coverage Terrorism Provision - LX8379 (08/13) Defense Limitations: DEFENSE COST DOLLAR LIMIT Applies DEFENSE COST TYPE / COMMENTS Within Policy Limits (expenses erode policy limit) Minimum Earned Premium % Subject to Audit: Not Auditable 18

19 Opti onal Exc ess Li ability - $5M exc ess of $20M - Lexi ngton Insur anc e C ompany Washington Counties Risk Pool Program Details Coverage: Optional Following Form Excess Liability Carrier: Lexington Insurance Company Policy Period: 10/1/2016 to 10/1/2017 Form Type: COVERAGE FORM TYPE RETROACTIVE DATE PENDING & PRIOR DATE Excess Liability Occurrence Not Applicable Not Applicable Coverage (including Limits/Sublimits): Excess Limit AMOUNT $5,000,000 excess of $20,000,000 $50,000,000 General Aggregate Limit Underlying Policies: COVERAGE LIMIT CARRIER Following Form Excess Liability General Liability, including Sexual Abuse / Products Liability / Law Enforcement Liability / Automobile Liability / Public Officials Liability / Employment Practices Liability / Employee Benefits Liability $10,000,000 excess of $10,000,000 Lexington Insurance Company October 1, 2016 to October 1, 2017 Endorsements include, but are not limited to: FF XS Liability Declaration ( Occurrence) - LX8386 (04/08) FF XS Liability TXT -LX8387 (04/08) Schedule Of Underlying Insurance - LX8009 (12/06) Economic Sanctions Endorsement - LX4227 (08/13) Endorsement # 1 Deletion Of Spec OFAC Language - LX4228 (08/13) Endorsement # 2 Crisis Response Coverage Endorsement - LX8703 (05/11) Endorsement # 5 Act Of Terrorism Retained Limits - LX8440 (12/08) Endorsement # 6 Named Insured Endorsement - LX0404 Endorsement # 7 Indiana Amendatory Endorsement - LX4268 (10/13) Endorsement # 9 Minimum Earned Premium - LEXCME077 (03/86) Endorsement # 10 Quote Confirmation - LX9814 (06/05) 19

20 Program Details (Cont.) Exclusions include, but are not limited to: Workers Compensation, Auto No Fault, Uninsured/ Underinsured Motorists, Disability, and Unemployment Compensation Laws Pollution (Hostile Fire Exception) Asbestos Physical Damage to Property in Insured s Care, Custody, or Control Auto First-party Coverage Pollution (Auto) Products Recall Date Related Losses Employment Related Practices Exclusion Total Pollution Exclusion Professional Liability Exclusion Retained Limit No Fault/Uninsured Motor /PI Exclusion -LEXCME081 (09/02) Endorsement # 3 Lead Exclusion (FF XS Liability) - LX8381 (04/08) Endorsement # 4 Additional Exclusions & Coverage Terrorism Provided - LX8379 (08/13) Endorsement # 8 Defense Limitations: DEFENSE COST DOLLAR LIMIT Applies DEFENSE COST TYPE / COMMENTS Within Policy Limits (expenses erode policy limit) Minimum Earned Premium % Subject to Audit: Not Auditable 20

21 Program Details (Cont.) Schedule of Counties: Benton County Clallam County Cowlitz County Franklin County Garfield County Island County Jefferson County Kittitas County Lewis County Mason County Pacific County Pend Oreille County Skagit County Thurston County Walla Walla County Yakima County Subject to Audit: Not Auditable 21

22 Cyber Li ability - Indi an Har bor Insur ance C ompany Washington Counties Risk Pool Program Details Coverage: Cyber Liability Carrier: Indian Harbor Insurance Company Policy Period: 10/1/2016 to 10/1/2017 Form Number: Form Type: COVERAGE FORM TYPE RETROACTIVE DATE PENDING & PRIOR DATE Cyber Coverage Claims Made 10/1/2014 Not Applicable Coverage: LIMIT RETENTION / WAITING PERIOD BASIS Policy Annual Aggregate Limit $5,000,000 Aggregate Third Party Liability Coverage (Sublimits): Media Privacy and Cyber Security Privacy Regulatory Defense, Awards & Fines $1,000,000 $1,000,000 $1,000,000 $25,000 $25,000 $25,000 Sublimit First Party Coverages Business Interruption & Extra Expense Data Recovery Cyber Extortion Data Breach Response & Crisis Management Coverage $1,000,000 $1,000,000 $1,000,000 $1,000, Hours $25,000 $25,000 $25,000 Sublimit PCI Fines and Penalties $250,000 $25,000 Per Claim Sublimit Claims Made Coverage: Should you elect to change carriers (if a new retroactive date is provided) or non-renew this policy, a supplemental extended reporting endorsement may be available subject to policy terms and conditions. You must request the extended reporting period in writing to the carrier within ([Days To Extend]) days of the expiration date. The cost of this extended reporting period is [Percent Cost]% of the annual premium and is fully earned. The extended reporting period extends only to those claims made during the extended reporting period for wrongful acts that occurred prior to the expiration date and would have been covered by the policy. Claims must be reported to the carrier within ([Days To Report]) days of the end of the policy period. The extended reporting period does not increase the limits of liability and is subject to all policy terms, conditions and exclusions. Definition of Claim: 1. A written demand received by an Insured for monetary damages or services, including the service of suit or initiation of arbitration proceedings; 22

23 Program Details (Cont.) Definition of Claim: 2. The initiation of a suit or arbitration proceeding against an Insured seeking injunctive relief; or 3. With respect to coverage provided under Third Party Insuring Clause I.E.2 only, the institution of a regulatory proceeding against the Named Insured. Incident or Claim Reporting Provision: XL Eclipse PRO 2.0 MTP-EP-PF /12, VII. Conditions, A. Reporting of Claims, Potential Claims, Extortion Threats, Network Breaches, and Data Breaches Page 19 Included in the attached Appendix under Claim Reporting by Policy Extended Reporting Period (ERP) Options*: PREMIUM AMOUNT 75% of the Annual Premium 150% of the Annual Premium Length 1 Year 3 Years Premium Due Date The right to purchase the optional extended reporting period must be exercised by the Named Insured within sixty (60) days of the termination of the policy period by providing: a) written notice to the Company; and b) with the written notice, the amount of additional premium. The first sixty (60) days of the optional Extended Reporting Period, if it is purchased, shall run concurrently with the automatic Extended Reporting Period. *If ERP coverage is desired, then that request must be in writing to the carrier. Endorsements include, but are not limited to: Manuscript Endorsement Contingent Business Interruption (System Failure) Endorsement Manuscript Pool Identification of Limits per Named Insured for Related Acts PCI Fines and Penalties sublimit $250,000 with $25,000 deductible Exclusions include, but are not limited to: Technology and Miscellaneous Professional Services Liability Coverage Technology Products Liability Coverage Medial Communications Liability Coverage Network Security Liability Coverage Deliberate Acts Personal Profit Prior Acts Bodily Injury / Property Damage 23

24 Program Details (Cont.) Exclusions include, but are not limited to: Employment Practices Ownership Defense Limitations: DEFENSE COST DOLLAR LIMIT Applies DEFENSE COST TYPE / COMMENTS Within Policy Limits (expenses erode policy limit) Subject to Audit: Not Auditable 24

25 Appendix Changes / Developments

26 C yber Liabilit y er iskhub Features Claims Repo rting B y Policy Washington Counties Risk Pool Claims Reporting By Policy Please contact Shon O Fallon at as soon as possible to report claims on the proposed policies. Your insurance policies detail specific duties that you have in event of loss. These duties will vary from one policy or type of coverage to the next. All contracts require timely reporting. Failure to do so may jeopardize coverage. Some insurance contracts require you to report losses directly. If this is the case it will be included with your outline 26

27 Bindable Quotations & Compensation Disclosure Schedule Attac hments Washington Counties Risk Pool Attachments