Liability Program COVERAGE ICRMA (FY: 2020-21) A B · Pool Self-Insured Retention ; $2,000,000 ; Probability Level Funding/Discount Factor . 70% / 2% ; Member Retained Limit . Member

www.icrma.org

18201 Von Karman, Suite 200, Irvine, CA 92612

This information is provided as a resource and does not include all of the terms, coverages, exclusions, and conditions. Read the entire MOC or policy for details.

Page 1 of 17 7/23/2020

Liability Program

COVERAGE ICRMA (FY: 2020-21)

Alternate A

Alternate B

Liability Program includes coverage for: • Automobile Liability (non-owned & hired) • Law Enforcement Liability • Sexual Abuse • Drone Aircraft Liability (strict guidelines) • Public Officials’ E&O Liability • Employment Practices Liability • Liquor Liability • Employment Benefits Liability

$35,000,000 Per member, per occurrence Various aggregates may apply

and clash coverage as outlined. Refer to the

Memorandum of Coverage (MOC) for complete terms.

Pool Self-Insured Retention $2,000,000

Probability Level Funding/Discount Factor 70% / 2%

Member Retained Limit Member selected from $250K to $8M

Public Crisis Response coverage $300,000 First dollar coverage

Definition of Named Insured

Employees, Past & Present Officials, Volunteers,

Councils, Commissions, Agencies, Districts,

Authorities & similar Boards

Claim dispute resolution process Claims Cmte ► Board ► Court system (see MOC)

Ability to select TPA YES

Ability to select defense counsel (from panel of over 100 attorneys) YES

City Attorney firm may serve on defense panel YES

Structured Settlement /Expert Witness resources YES

Litigation Management Policies & Procedures YES

Government Code Section 984 applicable? YES

http://www.icrma.org/

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Page 2 of 17 7/23/2020

Workers’ Compensation Program


Alternate A

Alternate B

Limit of Liability - any one loss Statutory Employer’s Liability Coverage - any one loss $1,500,000 ICRMA Self-Insured Retention $1,500,000 Probability Level Funding/Discount Factor 75% / 2%

Member Retained Limit Member selected: $350K, $500K, $750K, $1M or $2M

Labor Code 4850 Benefits Included YES – up to $1.5M SIR Incidental Longshoremen’s & Harbor Workers’ Compensation Act Coverage Included

Domestic or International Crisis Management Expenses Up to $50,000 Annual Agg.

Nurse Triage - injured employee or supervisor reports claim, receive first aid advice, recommended course of action, assessment of the injury, and answers to questions

YES

Utilization Review and Bill Review YES ScripNet Prescription Cards YES Ability to select defense attorney YES

Covered Parties Employees and officers Volunteers if resolution

adopted

Coverage provided outside of California

YES Members reimbursed up to the amount payable under CA WC law, regardless of jurisdiction

selected by the employee


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Page 3 of 17 7/23/2020

Property Program


Alternate A

Alternate B

Blanket / Policy Limit – Per Occurrence $250,000,000

Pool Deductible Loss Fund

$250,000 Per Occurrence $619,000 Annual Aggregate

Stop Loss

Member Deductible $10,000

Coverage - All Risks of Direct Physical Loss or Damage to Real Property, Personal Property, Business Interruption, Auto Physical Damage and Contractors Equipment including coverage extensions, subject to policy terms per manuscript policy form

Valuation: • Real Property - Buildings, Equipment,

Personal Property, Vehicles, etc. • Business Interruption • Coinsurance, Margin or Cap on Recovery

Replacement Cost

Actual Loss Sustained

N/A

Property Appraisals ICRMA coordinates; performed every 5 years

Sub limits* – per occurrence unless otherwise noted, include but are not limited to:

*Sub limits to be confirmed pending receipt of 20-21 policy

Accounts Receivable $10,000,000

Business Access – One Mile, 24 Hours $2,500,000

Business Interruption / Rental Value Policy Limit

Civil Authority – One Mile, 24 Hours $2,500,000

Computer Systems Non-Physical - Aggregate See Data, Programs, or Software

Consequential Loss Assumption Coverage $250,000

Contractor’s Equipment Scheduled

Contract Penalty Clause Coverage $250,000

Course of Construction Any project over $250,000 needs to be reported to the

carrier

Crisis Management – Aggregate, 24 Hours $100,000

Data, Programs, or Software $5,000,000 Debris Removal – Debris of Property Insured / Debris of Property Owned by Others $25,000,000 / $250,000

Decontamination Costs NCP


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Page 4 of 17 7/23/2020

Property Program continued…


Alternate A

Alternate B

Delayed Occupancy $1,000,000

Dependent Property – 24 Hours $1,000,000

Docks, Piers & Wharves

Conditionally Covered (no wear/tear, impact from

watercraft – see Policy Form, pages 9-10.) If a dock burns

down it is covered.

Earthquake / Earth Movement Excluded – separate coverage

Earthquake Sprinkler Leakage $25,000,000

Equipment Breakdown Excluded – separate coverage

Unintentional Property Errors & Omissions $5,000,000

Expediting Expenses $1,000,000

Extended Period of Indemnity 365 days

Extended Warranty Coverage $250,000

Extra Expense 365 days Fine Arts – Per Item / Per Occurrence / at an exhibition, exposition, fair or trade show

$100,000 / $1,000,000 / $50,000

Fire Dept. Service Charge $250,000

Fire Protection Equipment Coverage $250,000

Flood Excluded – separate coverage

Fungus Remediation $1,000,000

Green Upgrade Valuation Policy Limit

Certified Green Valuation Policy Limit Outdoor Trees, Shrubs, Plants and Lawn Coverage – Any One Tree, Shrub, Plant or Lawn / Per Occurrence or Loss Event

$10,000 / $500,000

Mobile Communication Equipment Coverage $250,000

Mold/Fungus (resultant damage) - Aggregate $1,000,000

Newly Acquired Property (120 days to report) $25,000,000 Ordinance or Law – Coverages B&C Combined – Demolition & Increased Cost of Construction

$10,000,000

Ordinance or Law – Coverage A – Undamaged Portion of Building

Policy Limit

Ordinance or Law – Coverage D $5,000,000 Ordinance or Law – Coverage E $1,000,000


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Page 5 of 17 7/23/2020

Property Program continued…


Alternate A

Alternate B

Personal Effects $1,000,000

Personal Property of Others $2,500,000

Pollutant Cleanup and Removal - Aggregate $500,000

Prototypes $1,000,000

Research and Development Documentation $1,000,000

Soft Costs See Course of Construction

Traffic Lights, Poles and Control Units Scheduled

Unnamed Locations $5,000,000

Valuable Papers and Records $10,000,000


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Page 6 of 17 7/23/2020

Auto Physical Damage Program


Alternate A

Alternate B

Policy Limit – Per Occurrence $10,000,000

Pool Deductible $25,000 (inclusive of member deductible)

Probability Level Funding/ Discount Factor of pooled funds 70% / 2%

Member Deductible $10,000

Coverage - Auto Physical Damage & Contractors Equipment TIV – as scheduled

Valuation: • Vehicles • Contractors Equipment, etc.

Replacement Cost – not to exceed the value on file

Catastrophe & Maximum Aggregate Policy Limit for any combination of/or total losses during the policy term for all Vehicles and Contractors Equipment for risks of direct physical loss unless otherwise excluded. Coverage includes Earthquake and Flood.

$10,000,000

Sub limits – per occurrence unless otherwise noted, include but are not limited to:


Auto Physical Damage

Additional Debris Removal $25,000

Newly Acquired and substitute vehicles $1,000,000

Pollutant Cleanup and Removal $10,000

Towing and Labor Costs $25,000

Rental Reimbursement: $10,000 after 72 hour waiting period

Agreed Values: Up to the value on the scheduled on file

Personal effects: per person / per occurrence – in a vehicle not subject to a special deductible $1,000 / $10,000

Permanently installed communication equipment Included as part of the limit, not to exceed the value on

file.

Contractors Equipment

Limits – per item $1,000,000 (included in Policy limit)


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Page 7 of 17 7/23/2020

Auto Physical Damage Program continued…


Alternate A

Alternate B

Equipment lease from others: per item / occurrence $100,000 / $100,000

Deductible Per scheduled Valuation Replacement Cost Additional Debris Removal Expense $25,000 Equipment lease or rented to others $50,000

Equipment loaned to others $50,000

Fraud and deceit $50,000

Waterborne $50,000

Construction Equipment: trailer / one loss $10,000 / $50,000

Employee Tools $10,000

Fire Department Service Charge $1,000

Pollutant Clean up and Removal $25,000 Recharge of fire Extinguishing $1,000

Rental Reimbursement Limit: $50,000 Waiting Period: 72 Hours

Reward for recovery of stolen equipment $1,000 Spare parts and fuel $10,000


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Page 8 of 17 7/23/2020

Earth Movement & Flood


Alternate A

Alternate B

Earth Movement Limit – Per Occurrence & Aggregate

$75,000,000 *PML based on 500 Year

Return Period

Flood Limit – Per Occurrence & Aggregate $75,000,000 Deductibles:

• Earth Movement - % of Total Insured Value / Minimum per occurrence

• Flood – per occurrence

5% / $100,000

$100,000

Coverage - Earth Movement and Flood direct physical loss or damage to Real Property, Personal Property and Business Interruption per manuscript policy form • Earth Movement, broadened from

Earthquake, includes earthquake, landslide, mine subsidence, earth sinking, rising, shifting or sinkhole collapse

• Flood includes High Hazard Flood Zones

Valuation: • Real Property - Buildings, Equipment, • Business Interruption • Coinsurance, Margin or Cap on Recovery

Replacement Cost

Actual Loss Sustained N/A

*Property Program/Equip

breakdown



Accounts Receivable $10,000,000

Animals - All Other Animals $5,000

Animals - Police and Fire Dog $20,000

Animals - Police and Fire Horse $50,000 Asbestos Damage - Named Perils (resultant damage) $10,000,000

Business Interruption / Rental Value Policy Limit

Course of Construction Policy Limit

Data, Programs, or Software $1,000,000

Debris Removal Policy Limit

Decontamination Costs Policy Limit

Definition of Occurrence 168 hours

Docks, Piers & Wharves Policy Limit

Earthquake Sprinkler Leakage Excluded – provided under Property


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Page 9 of 17 7/23/2020

Earth Movement & Flood continued…

COVERAGE ICRMA

(FY: 2020-21) Alternate

A Alternate

B

Equipment Breakdown Excluded – available under separate coverage

Errors & Omissions $25,000,000

Expediting Expenses $1,000,000

Extended Period of Indemnity 365 days

Extra Expense $2,500,000

Fine Arts – Per Item / Per Occurrence $100,000 / $2,000,000 Land Improvements including Trees, Shrubs, Plants, Lawns, Pavement & Roadways $2,000,000

Miscellaneous Unnamed Locations including tunnels, bridges, dams, catwalks, roadways, highways, culverts, parking lots and other owned paved lots

$2,000,000

Mold/Fungus (resultant damage) - Aggregate $2,500,000 Newly Acquired Property (120 days to report) - reporting only required for any locations or vehicles with values excess of $1M

$25,000,000

Ordinance & Law – Demolition & Increased Cost of Construction $10,000,000

Ordinance & Law – Undamaged Portion of Building Policy Limit

Ordinance & Law – Down Zoning Enhancement that allows for full replacement cost of current structure even if new laws restrict rebuilding to current structure specifications

Policy Limit

Pollutant Cleanup and Removal - Aggregate $500,000

Rented Mobile Contractors Equipment $5,000,000

Revenue Interruption $10,000,000

Service Interruption - Business Interruption $1,000,000

Service Interruption - Property Damage $5,000,000

Soft Costs Policy Limit

Traffic Lights, Poles and Control Units $2,500,000

Unnamed Locations $5,000,000

Valuable Papers $10,000,000


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Page 10 of 17 7/23/2020

Equipment Breakdown / Boiler & Machinery


Alternate A

Alternate B

Blanket / Policy Limit – Per Occurrence $250,000,000 Deductibles - Per Occurrence; except: • Business Income and Extra Expense • Spoilage Damage - whichever is greater • Utility Interruption:

- Spoilage Damage - whichever is greater - Business Income and/or Extra Expense - Waiting period

$10,000 1 x Daily Value

10% of Loss or $10,000

10% of Loss or $10,000 1 x Daily Value

24 hours

Coverage – Equipment Breakdown property damage and business income/extra expense loss from mechanical or electrical breakdown

Valuation: • Real Property – Buildings & Equipment • Business Interruption • Coinsurance, Margin or Cap on Recovery

Replacement Cost

Actual Loss Sustained N/A


Ammonia Contamination $2,500,000 Consequential Loss $2,500,000 Contingent Business Income/Extra Expense $2,500,000 Data or Media - Business Interruption $1,000,000 Data or Media - Covered Equipment $2,500,000 Errors and Omissions Policy Limit Expediting Expense $5,000,000 Extended Period of Restoration 30 Days Fungus/Mold, Wet Rot and Dry Rot (resultant damage) $250,000

Green Upgrades - % of property damage / maximum 25% / $100,000

Hazardous Substance $5,000,000 Newly Acquired Premises (365 day reporting) Policy Limit Ordinance of Law $10,000,000 Spoilage Damage $2,500,000 Utility Interruption Damage - Spoilage Damage $2,500,000 Utility Interruption Damage - Business Income and/or Extra Expense $5,000,000

Water Damage $5,000,000


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Page 11 of 17 7/23/2020

Crime


Alternate A

Alternate B

Policy Limit – Per Occurrence $10,000,000 Coverage - Government Crime Policy form Deductible – Per Occurrence, except:

• Destruction of Electronic Data or Computer Programs

• Faithful Performance of Duty Coverage for Governmental Employees

• Funds Transfer Fraud - False Pretenses

$25,000 $5,000

$10,000

$25,000

Named Insured includes Employees (full & part-time), Bonded Positons, Chairperson and Members of Committees, Non-Compensated Officers, Students Gaining Work Experience, Terminated employees up to 90 days, Treasurers and Tax Collectors Volunteers

Member Limits – each loss: Employee Theft $10,000,000 Computer Fraud $10,000,000 Credit, Debit or Charge Card Forgery $5,000,000 Destruction of Electronic Data and Computer Programs $250,000

Expenses Incurred to Establish Amount of Covered Loss $100,000

Faithful Performance of Duty Coverage for Governmental Employees $1,000,000

Forgery or Alteration $10,000,000 Funds Transfer Fraud $10,000,000 Funds Transfer – False Pretense / Social Engineering $100,000

Inside the Premise $10,000,000 Outside the Premise $10,000,000 Money Orders and Counterfeit Money $10,000,000


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Page 12 of 17 7/23/2020

Cyber / Privacy Liability


Alternate A

Alternate B

Pool Limits (per coverages outlined below) - Each Claim and Annual Aggregate: $10,000,000

Coverage – Privacy Liability loss resulting from data breach of customers' personal information

Deductibles - Each Claim, except; • Business Interruption - waiting period • Data Breach Coach

$25,000 8 hours

$0

Services include: • 24/7 data breach coach (no deductible) • Data breach team panel: legal, computer

forensic, notifications, call center, public relations, crisis communications, fraud consultation, credit monitoring, fraud alert, identity restoration advice.

• Assistance with providing sample IT policies

Member Limits – Each Claim & Aggregate: $3,000,000 Business Interruption $3,000,000 California Confidentiality of Medical Info. Act $1,000,000 Data Breach Fund – Outside Vendors/Providers $200,000 Data Breach Fund – Data Breach Team / Carrier $3,000,000 Digital Asset $3,000,000 Internet Media Liability $3,000,000 Network Extortion $3,000,000 Network Security Liability $3,000,000 Payment Card Loss $3,000,000 Privacy Liability $3,000,000 Regulatory Proceedings $3,000,000 Policy Aggregate $3,000,000 California Confidentiality of Medical Information Act $2,500,000

Data Breach Fund – Outside Vendors/Providers $1,000,000 Payment Card Loss $10,000,000 Policy Aggregate $10,000,000


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Page 13 of 17 7/23/2020

Terrorism


Alternate A

Alternate B

Program Limit: Per occurrence (for property damage and liability) $10,000,000

Annual Program Aggregate: $10,000,000 Member deductible: $0 Coverage: Enhanced terrorism coverage “for property, business interruption and liability” which can be triggered without the need for a formal Federal TRIA/TRIPRA qualifying declaration.

For the purpose of this Insurance: • An Act of Terrorism means an act or series of

acts, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes.

• An act of sabotage means a subversive act or series of such acts committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes.

Service Interruption $50,000,000

Contingent time element

$25,000,000 any one occurrence and in the

aggregate for direct suppliers only.

Indirect coverage excluded.

Leader/attraction property: Coverage is excluded in its entirety

Civil and Military authority: • 5 mile distance limitation to apply outside of

metropolitan regions. • 1 mile distance limitation to apply in

metropolitan regions

This coverage is sub limited to $50,000,000


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Page 14 of 17 7/23/2020

Governance

Item ICRMA Estimated Value/Cost

Alternate A

Alternate B

Self-insured program rating basis Payroll & loss experience

CAJPA Accredited YES with Excellence

Efficiency and Convenience

YES ICRMA handles annual insurance renewals, claims audits, actuarial

services, and vendor coordination

Additional Programs Offered YES;

stand-alone placements available

Minimum Commitment Period 3 years Withdrawal Notice Requirement 12 months (7/1) Withdrawal penalties No Withdrawal Administrative Fees (for next 3 years) 3 years after exit

Governance: Each Member has seat on Board

• 6 meetings/year • Every member is

active/engaged Active Claims Committee

• 6 meetings/year Ability to volunteer for an Ad-Hoc Committee

YES

Member Ownership: Board retains decision-making rather than delegating to Executive or Administrative Committee

YES

City directs litigation within its retained limit YES


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Page 15 of 17 7/23/2020

Additional Services


Alternate A

Alternate B

Services contracted

• Pool administrator • Liability and WC program

managers • Financial services • Financial auditor • Investment advisor • Actuary • Claims auditor • Coverage counsel/general

counsel • Broker • Pre-employment physical

evaluations provider

Litigation Management / Claims oversight

Included Biannual claim reviews

between ICRMA, City, TPA adjuster, and defense

attorneys

Claims Audit Biennial claim audits of

member Liability and WC TPAs

Included $5,000 ea. annually

Annual Actuarial Analysis

Included ICRMA funds’ performance of individual studies for each

member

$8,000 - $10,000 Annually

Website Interactive website with

training resources and risk management content

Webinars Hundreds of online modules available

Varies based on usage

ICRMA University In-person, expert-led trainings on risk management topics per

year


Learning Management System

Supervisors assign training and track attendance Starts at $10,000


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Page 16 of 17 7/23/2020

Additional Services continued…


Alternate A

Alternate B

Rent a Risk Manager Provides project-based expertise


Evidence of coverage letters

Submitted via email; letters generated by administrator

Template policies available Yes

Loss control Programs & services only;

Individualized and customized services


Contract review Included

Pre-employment Medical Screening management

Included Services provided by Occu-

Med

$2,000 - $6,000 Annually

Online Renewal and Exposure Tracking

Members complete renewal apps & update property

schedules online


Ergonomic Evaluations Online or office assessments through Remedy Interactive


Scholarship Fund

Members may use toward approved conferences such as PARMA, PRIMA, AGRiP,

CAJPA

Estimated at $2,500 per person (up to 3

attendees per member)

Risk Management Fund Included

Members may use toward any risk management purpose

Up to $5,000 per year contribution; capped at $25,000

Enquiron Employment related legal advice


Safety National Online Portal – trainings

Risk Control training and webinars



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Page 17 of 17 7/23/2020

Cost of Coverage – Member Name Line of Coverage (PY 2019-20) ICRMA Alternate A Alternate B

Liability Program Limit - $35,000,000

Member Retained Limit ($250,000-$8,000,000)

Workers’ Compensation and Employer Liability

WC Limit - Statutory EL Limited-$1,500,00 Member Retained Limit ($350,000-$3,000,000)

Property Program

TIV $2.3 Billion Limit $250,000,000 Pool Deductible – $250,000 Member Deductible – $10,000

Auto Physical Damage TIV $128 Million Limit $10,000,000 Pool Deductible – $25,000 Member Deductible – $10,000

Earth Movement & Flood TIV EM+FL $827 Million Limit EM+FL $75 Million Deductible 5% of TIV or $100,000 Minimum Crime Deductible - $25,000 Limit - $10 million

Cyber Deductible - $25,000 Limit - $3 million Annual Agg - $10 million

Terrorism Deductible - $0 Limit - $10 million Annual Agg - $10 million

TOTAL:

Are all services provided by ICRMA included within the price listed? If not please attach another page which lists all services not included.


Documents

Liability Program COVERAGE ICRMA (FY: 2020-21) A B · Pool Self-Insured Retention ; $2,000,000 ; Probability Level Funding/Discount Factor . 70% / 2% ; Member Retained Limit . Member