Claim Reporting Information

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2017-2018 Claim Reporting Information Southwestern Ohio Educational Purchasing Council (EPC LFP) Steve Privasky Michael

1 Claim Reporting Information Southwestern Ohio Educational Purchasing Council (EPC LFP) Steve Privasky Michael McHugh Liz Droppers Alexis Spoon 300 Ottawa, N.W., Suite 301 Grand Rapids, MI Arthur J. Gallagher & Co.

2 Table of Contents Section Liability, Fleet and Property Program Service Team... 1 Policy Directory & Claim Reporting Information... 2 Claim Reporting... 4 Auto Claim Reporting... 5 General Liability Claim Reporting... 6 Property Claim Reporting... 7 Professional Liability Claim Reporting... 8 ACORD and Claim Reporting Forms... 9 Administrative Forms Certificate of Insurance Request Form Summary of Coverage R:\CLNTDOCS\03\GGB\27103.docx

3 Service Team Arthur J. Gallagher & Co. Steve Privasky Area Senior Vice President (616) Michael McHugh Area Senior Executive Vice President (630) Liz Droppers Area Assistant Vice President (616) Alexis Spoon Account Executive (513) Jonathan Park (Certificates) Client Service Manager (630) Fax: (630) LOSS CONTROL SERVICES Gallagher Bassett Services, Inc. Amanda Weller (815) Jamie Dunn (630) Liability, Fleet and Property Program Service Team (as of July 2017) Claim Reporting JWF Specialty Company Report ANY claim EXCEPT School Board Legal & Pollution to: After Hours Phone: (866) jwfspecialty.com Identify yourself as an EPC Member and Provide your District Name SCHOOL BOARD LEGAL CLAIMS Effective 7/1/2017 Report Claims DIRECTLY to: Summit Risk Services 220 Gibraltar Road, Suite 200 Horsham, PA Alice Ivers Phone: (215) (main) Claims Administration Team JWF Specialty Company Mike McGuff Senior Claims Specialist Automobile Liability/Physical Damage and General Liability Phone: (513) Fax: (317) Kay Lewis Senior Claims Specialist Property Cell Phone: (317) Fax: (317) Legal Services Subashi & Wildermuth Brian Wildermuth (937) RCO Law Bill Beach (419) Property Restoration Interstate 24-Hour Emergency Response (888) Paul Clarke Project Director (248) R:\CLNTDOCS\03\GGB\27103.docx 1 1

4 Policy Directory & Claim Reporting Information Coverage: Boiler & Machinery Carrier: Travelers Property Casualty Company of America Policy Number: M5J-BME1-4B TIL Effective Date: 7/1/2017 7/1/2018 Coverage: Property Carrier: Great American Insurance Company Policy Number: Effective Date: 7/1/2017 7/1/2018 Coverage: Excess Property Carrier: Travelers Indemnity Company Policy Number: KTK-XSP-545D Effective Date: 7/1/2017 7/1/2018 Coverage: Crime Carrier: Great American Insurance Company Policy Number: Effective Date: 7/1/2017 7/1/2018 Coverage: General Liability Carrier: Great American Insurance Company Policy Number: Effective Date: 7/1/2017 7/1/2018 Coverage: Automobile Liability Carrier: Great American Insurance Company Policy Number: Effective Date: 7/1/2017 7/1/2018 Immediately report claims directly to: JWF Specialty Company ( ) Immediately report claims directly to: JWF Specialty Company ( ) JWF Specialty Company will report claims to the Excess Carrier directly Immediately report claims directly to: JWF Specialty Company ( ) Immediately report claims directly to: JWF Specialty Company ( ) Immediately report claims directly to: JWF Specialty Company ( ) Coverage: School Board Legal Liability Immediately report claims directly to: Carrier: QBE Specialty Insurance Group Summit Risk Services Policy Number: QEL Phone: (215) Effective Date: 7/1/2017 7/1/2018 Fax: (215) Mail: 220 Gibralter Road, Suite 100 Horsham, PA R:\CLNTDOCS\03\GGB\27103.docx 2 2

5 Coverage: Excess Liability Carrier: Great American Insurance Company Policy Number: Effective Date: 7/1/2017 7/1/2018 JWF Specialty Company will report claims to the Excess Carrier directly Coverage: Pollution Legal Liability Immediately report claims directly to: Carrier: Ironshore Specialty Insurance Company Ironshore Environmental Claims CSO Policy Number: Phone: (888) Effective Date: 7/1/2017 7/1/2018 Fax: (646) Mail: Ironshore Environmental Claims CSO 175 Powder Forest Drive, 1st Floor Weatogue, CT Coverage: Cyber Liability (Identity Theft) Immediately report claims directly to: Carrier: Indian Harbor Insurance Company (XL) Indian Harbor Insurance Company Policy Number: MTP Phone: (855) Effective Date: 7/1/2017 7/1/ Mail: XL Group P.O. Box Orlando, FL R:\CLNTDOCS\03\GGB\27103.docx 3 3

6 Claim Reporting No matter how strong your risk management program, you will unfortunately encounter claims. Accidents do occur and prompt, complete reporting is the first step towards a successful outcome. The more information you can provide when reporting a claim, the sooner an adjuster can respond. When reporting a claim, here are several tips to assist you: Report the claim immediately don t delay. If this is a serious injury / accident, please be sure to PHONE your claim directly. Please do not web report, or fax claims of this nature. Collect as much information as possible regarding the loss, such as date and time, policy numbers, reporting location, parties involved, accident description, type of injury and estimated damages. Submit all police reports, estimates, photos and any materials/receipts to the adjuster handling the claim. Do not speak with third parties about the claim, do not discuss fault. It is important to know that claims involving lawsuits have potential to reach up to one half or exceeded payments excess of the policy limits must be reported to your Excess Liability Umbrella carrier as soon as you are aware of the potential for the claim to impact those policies. Not reporting these types of claims immediately may jeopardize your coverage. Please report all claims immediately to your carrier(s). For claim reporting information, please refer to the Policy Directory on Page 1 of this Claim Reporting Information Kit. When in doubt, err on the side of caution and submit all matters to your carrier. R:\CLNTDOCS\03\GGB\27103.docx 4 4

7 Auto Claim Reporting Bodily Injury & Damage to a Motor Vehicle Immediately report all claims. Do not discuss the accident with the other party. Advise anyone involved that you will report the accident to your insurance carrier. Remember that adjusters require an opportunity to examine the damaged vehicle. Do not authorize repairs yourself without first contacting the adjuster handling your claim. If an employee is injured in the Auto accident, and there is a subsequent Workers Compensation claim, be sure to report the claim to the other carrier if coverage and claims are handled by a different carrier. It is important to know that claims involving lawsuits have potential to reach up to one half or exceeded payments excess of the policy limits must be reported to your Excess Liability Umbrella carrier as soon as you are aware of the potential for the claim to impact those policies. Not reporting these types of claims immediately may jeopardize your coverage. If you have a question or are not sure that a loss should be reported to the Excess Liability Umbrella carrier or any other carrier, please contact your adjuster for assistance. R:\CLNTDOCS\03\GGB\27103.docx 5 5

8 General Liability Claim Reporting You must report bodily injury or damage to property of others immediately. Prompt reporting gives the adjuster the time they need to investigate and protect your interests in a loss. Do Not: Make any promises to an injured party Discuss the claim with any other insurance carrier Assume responsibility for any medical bills or property damage It is important to know that claims involving lawsuits have potential to reach up to one half or exceeded payments excess of the policy limits must be reported to your Excess Liability Umbrella carrier as soon as you are aware of the potential for the claim to impact those policies. Not reporting these types of claims immediately may jeopardize your coverage. If you have a question or are not sure that a loss should be reported to the Excess Liability Umbrella carrier or any other carrier, please contact your adjuster for assistance. R:\CLNTDOCS\03\GGB\27103.docx 6 6

9 Property Claim Reporting Report any property losses immediately. Following all property losses: Make necessary repairs to protect the property from further damage Retain damage property for inspection by adjuster Whenever possible, take pictures or video of damaged area before starting temporary repairs Keep area safe after a loss It is important to know that claims involving lawsuits have potential to reach up to one half or exceeded payments excess of the policy limits must be reported to your Excess Liability Umbrella carrier as soon as you are aware of the potential for the claim to impact those policies. Not reporting these types of claims immediately may jeopardize your coverage. If you have a question or are not sure that a loss should be reported to the Excess Liability Umbrella carrier or any other carrier, please contact your adjuster for assistance. R:\CLNTDOCS\03\GGB\27103.docx 7 7

10 Professional Liability Claim Reporting Claims must be reported immediately. If you have a claim and do not immediately notify the carrier, you may lose all potential coverage. What is a claim? Many things other than lawsuits are claims. As you would expect, a lawsuit is a claim. However a claim under the policy can be something as minor as a letter or that demands that any insured do something, stop doing something, or pay something. If you have employment practices coverage, a notice of charges to the EEOC or a state agency is most likely a claim and it must be submitted to the carrier immediately even if the matter seems informal or preliminary. Do not offer to settle a claim, or hire an attorney, without the carrier s prior consent. Do not offer to compromise or settle any claim or demand without the carriers prior agreement, or you will risk losing coverage. Do not engage in ballpark settlement discussions without the carrier s involvement. If your policy is a Duty to Defend policy, then the carrier has the right to hire the attorney(s) to defend the claim. If you hire your own attorney, you may jeopardize coverage, and the carrier may replace your chosen attorney in order for legal fees to be covered. It is important to know that claims involving lawsuits have potential to reach up to one half or exceeded payments excess of the policy limits must be reported to your Excess Liability Umbrella carrier as soon as you are aware of the potential for the claim to impact those policies. Not reporting these types of claims immediately may jeopardize your coverage. When in doubt, err on the side of caution and submit the matter to your carrier. R:\CLNTDOCS\03\GGB\27103.docx 8 8

11 ACORD and Claim Reporting Forms Automobile Liability General Liability Property R:\CLNTDOCS\03\GGB\27103.docx 9 9

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23 Administrative Forms Certificate of Insurance Request R:\CLNTDOCS\03\GGB\27103.docx 21 21

24 Certificate of Insurance Request Form Return Form Request via Fax or To: JONATHAN PARK Fax: Phone: Request Date: Requested by: ** Certificates will be issued within 24 hours ** Client Name and Address: Phone: Fax: Address: Certificates are delivered electronically, so please include a fax number or address for both your location and the Certificate Holder. If ed, the certificate will be delivered by Ebix, ConfirmNet, or CertificatesNow. Name & Address of Certificate Holder: Phone: Fax: Address: Certificate Purpose: If this is for an event, please state type of event, location and date. Please note that event dates cannot exceed policy term expiration date. Special Wording: Additional Insured Requested (applies to Liability only) Yes No Evidence of Coverage Requested Yes No Loss Payee Requested (applies to Property only) Yes No R:\CLNTDOCS\03\BSD\27103.docx 22 22

25 Summary of Coverage As instructed, we have bound the insurance described below. We are holding a binder from your insurance companies subject to the conditions and terms applying thereto. Policy and endorsements will be delivered to you as soon as possible after issuance. The included information highlights your insurance policies. If you have specific questions, please refer directly to your policy. Please advise if any changes are to be made to the attached information, if you add or delete a property or vehicle, or if you add additional coverages. R:\CLNTDOCS\03\GGB\27103.docx 23 23

INSURANCE AND INDEMNIFICATION MANUAL. Supplement to Policy 560 i

INSURANCE AND INDEMNIFICATION MANUAL Supplement to Policy 560 Table of Contents.1 INTRODUCTION... 1.2 EXHIBIT I INSURANCE AND INDEMNITY REQUIREMENTS FOR CONSTRUCTION AND SERVICE CONTRACTS... 1 2.1 INDEMNIFICATION/HOLD