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
SECTION II COMMERCIAL PROPERTY COVERAGE A. COVERAGE 2-3 1. Covered Property 2-3 2. Covered Cause of Loss 2-4 B. ADDITIONAL COVERAGES 1. Debris Removal 2-4 2. Extra Expense 2-5 3. Expediting Expense 2-5 4. Fire Department Service Charge 2-5 5. Fire Protective Equipment Discharge 2-5 6. Ordinance or Law 2-5 7. Preservation of Property 2-6 8. Water, Other Liquids, Powder or Molten Material Damage 2-7 9. 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 2-12 2. Covered Accident 2-12 B. ADDITIONAL COVERAGES 2-13 1. Business Interruption 2-13 2. Expediting Expense 2-13 3. Extra Expense 2-13 4. Consequential Damages 2-13 5. Hazardous Substances Limitation 2-14 6. Ammonia Contamination 2-14 7. Water Damage 2-14 8. 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
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 3-1 1. Non-owned Automobile 3-1 2. Uninsured Motorist 3-1 C. ANNUAL AGGREGATE 3-1 SECTION II - BODILY INJURY AND PROPERTY DAMAGE LIABILITY A. COVERAGE AGREEMENT 3-2 B. EXCLUSIONS 3-2 1. Expected or intended, criminal, fraudulent, or dishonest act 3-2 2. Injunctive, declaratory, and/or non-monetary relief... 3-3 3. Breach of contract or of fiduciary duty 3-3 4. Any land use issue, eminent domain, condemnation, blighting action 3-3 5. Regulating the use, fitness, maintenance, repair or demolition of real property 3-3 6. Failure to supply any utility service 3-3 7. Employment practices 3-3 8. Medical malpractice 3-3 9. The ownership, operation, use or maintenance of any railroad 3-4 10. Responsibility for any deductible 3-4 11. Asbestos 3-4 12. Mold... 3-4 13. Pollutants 3-5 14. Lead 3-5 15. Public swimming pool which is loaned, rented or leased 3-5 16. Sexual or physical abuse, molestation or sexual misconduct 3-5 17. Collapse or failure of any dam 3-5 18. Any claim arising out of any act, policy, procedure that is excluded 3-6 19. Any event or facility involving Motorcycles, dirt bikes, go-carts, scooters, ATV s, golf carts, demolition derbies, stunt driving or auto racing 3-6 20. 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 3-6 21. Amusement parks 3-7 22. Explosives 3-7 23. Public firearms shooting range 3-7 24. Exposure to blood, blood products or blood by-products... 3-7 25. Exposure to HIV, AIDS 3-7 26. Airports 3-7 27. Lawsuit by any official against another official of the same Member 3-8 28. Actions of any police officer that is not a valid, licensed peace officer... 3-8 29. The Old Federal Building, Hannibal, Missouri 3-8 30. Workers' Compensation 3-8 31. Bodily injury to spouse, child, parent, brother or sister of an employee 3-8 FY2012 iii
32. Bodily injury to a fellow employee 3-8 33. Aircraft, automobiles or watercraft 3-8 34. The transportation of heavy equipment or racing, speed or demolition contest 3-9 35. War 3-9 36. Property damage property you own, rent or occupy 3-9 37. Punitive or exemplary damages... 3-9 38. Securities 3-9 39. Taxes, fines, fees, or levies 3-10 40. Fines or expense arising from any governmental authority or regulatory agency 3-10 41. The furnishing alcoholic beverages to a person under the legal drinking age 3-10 42. Electromagnetic radiation 3-10 43. Silica 3-10 44. 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 3-17 1. Limited Defense for injunctive, declaratory or other non-monetary relief 3-17 2. Limited Defense for employees serving on boards that are not under the member s control 3-17 3. 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 3-19 2. 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
SECTION II - CRIME COVERAGE A. COVERAGE 1. Coverage Agreement - Employee Theft 4-2 2. Coverage Agreement - Money and Securities 4-2 B. EXCLUSIONS 4-2 SECTION III - WORKERS COMPENSATION & EMPLOYERS LIABILITY A. COVERAGE 1. Coverage Agreement Workers Compensation 4-3 2. Coverage Agreement Employers Liability 4-3 B. EXCLUSIONS 4-4 SECTION IV AUTOMOBILE PHYSICAL DAMAGE A. COVERAGE 1. Coverage Agreement 4-4 2. 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