Property and Casualty Claims Overview. Presented by. Larry Townsend, ARM, CPCU. Risk Manager, Port of Houston Authority

Size: px
Start display at page:

Download "Property and Casualty Claims Overview. Presented by. Larry Townsend, ARM, CPCU. Risk Manager, Port of Houston Authority"

Transcription

1 Property and Casualty Claims Overview Presented by Larry Townsend, ARM, CPCU Risk Manager, Port of Houston Authority

2 Property and Casualty Claims Overview Discussion Points Examine the property and casualty insurance program in place for the Port of Houston Authority. Provide an analysis of workers compensation, liability and property claims occurring at the Port of Houston Authority. Discuss the methods used by the Port of Houston Authority to keep insurance cost down through an aggressive claims management program.

3 Port of Houston Authority Facilities

4 Turning Basin Terminal

5 Woodhouse Terminal

6 Care Terminal

7 Bulk Cargo Ship Offloading Steel at Turning Basin Terminal

8 Container Ship at Barbours Cut Terminal

9 Barbours Cut Terminal

10 New Transtainers for Barbours Cut Terminal

11 WORKERS COMPENSATION

12 Workers Compensation Description of Coverage Workers Compensation - Provides medical and indemnity benefits to employees injured on the job. Employers Liability Provides coverage in situations where an injured third party claims workers compensation benefits. Exclusions Injuries caused by horseplay, intoxication or illness caused as a result of a natural or normal condition of life (i.e. heart attacks, arthritis, etc) Employees of governmental entities are not eligible for USL&H benefits under federal statutes. New Legislation Legislation was passed recently in Texas that is intended to provide better medical care for the worker, but reduce overall costs.

13 Workers Compensation Type of Program Funded Deductible Program: This a program resembles self insurance where the insurance company is paid a premium to cover profit and administration plus a deductible reimbursement fund representing anticipated losses. The deductible reimbursement fund is adjusted after 18 months and every 12 months thereafter until all losses under the program are settled. A $200,000 per claim deductible is applicable.

14 Workers Compensation Number of Workers Compensation Claims Number of Claims Other Central Maint. BCT Total Conclusion: The total number of claims trended downward slightly since 2003 despite increased man hours worked and an increase in the number of employees. Time Period: 01/01/02 to 01/01/05

15 Workers Compensation Loss Time/No Loss Time Breakdown Loss Time Injuries Other BCT Central Maint. Total No Loss Time Injuries Other Central Maint. 68 BCT Total Conclusion: Loss Time injuries have trended upward from Time Period: 01/01/02 to 01/01/05

16 Workers Compensation Total Incurred Cost Workers Compensation Number of Claims Total Incurred Dollars $750,000 $650,000 $682, $550,000 $450,000 $483,213 $519, $350,000 $250,000 $334, $150, $50, Number of Claims -$50,000 Total Incurred Dollars Conclusion: Costs for workers compensation trended downward from 2002 to However, the costs once again increased in 2004 by approximately 55%, but still remains 24% below the high level of claims in Time Period: 01/01/01 to 01/01/05

17 Workers Compensation Claims Breakdown by Location ( 2002, 2003 and 2004) Percent to Total Claims 259 Claims Percent to Total Incurred Dollars - $1,535,404 BCT ILA 15% CENTRAL MAINT. 19% OTHER 19% CENTRAL MAINT. 17% OTHER 19% BCT MAINT. 47% BCT ILA 47% BCT MAINT. 17% Conclusion: The largest number of claims are generated by Barbours Cut Maintenance, but Barbours Cut ILA claims represent the largest cost.

18 WORKERS COMPENSATION LARGE CLAIM SUMMARY Claimant Description of Accident Loss Maintenance Stepped into hole, stumbled and injured knee while exiting pickup truck $ 29,128 Truck Driver Blacked out while driving yard truck; $ 114,680 struck truck and parked car; sustained multiple injuries. Truck Driver Hand crushed when truck door slammed. $ 65,286 Lane Clerk Crane Operator Slipped on wet surface and injured knee after stepping out of booth. Slipped and fell on diesel fuel after stepping off steps of a crane. $ 126,351 $ 54,562

19 WORKERS COMPENSATION CLAIM SUMMARY Claimant Description of Accident Loss Maintenance Blacked out w hile driving truck; struck $ 26,608 truck and parked car; sustained m ultiple injuries Truck Driver Flipped Truck going around corner ; $ 37,864 sustained multiple injuries. Maintenance Stepped on hoist cable injuring knee. $ 26,599 Maintenance Maintenance Police Injured knee when stepping off forklift. Strained shoulder while attempting to remove drill bit. Injured shoulder w hile attempting to break fall w hen chair rolled aw ay w hile employee was attempting to sit down. $ 22,075 $ 25,359 $ 68,787

20 WORKERS COMPENSATION LARGE CLAIM SUMMARY 2004 Work Location Description of Accident Loss Maintenance Struck head on beam while exiting crane. $19,233 Maintenance Burned in the process of testing electrical $41,984 current on w harf crane. Maintenance Toe crushed under fork of forklift $20,568 Clerk Stepped in gap between truck scales and $52,156 platform injuring knee and ankle Maintenance Slipped on wet surface in bed of pickup $17,408 truck injuring knee. Maintenance Climbed into cab of crane and bent knee the $49,153 wrong way. Crane Operator Fell off ladder of crane injured both knees and ankles. $43,495

21 Workers Compensation Claims - Accidents Defined Driving Accident occurred when worker was driving or operating motorized vehicle. (Includes forklifts, tractors, etc.) Eyes Accident occurred as a result of worker getting debris in eyes. Fall/Step Accident occurred as a result of a worker falling or stepping off an object. Lifting Accident occurred while worker was performing a task involving lifting or raising. Maintenance Repairs Accident occurred while worker was performing mechanical function, such as hammering, tightening, etc. Slip/Trip Accident occurred as a result of a working slipping or tripping. Other Any accident not falling into the above categories.

22 Port of Houston Authority Injury Accidents By Type Workers Compensation Number of Claims Driving Eyes Fall/Step Lifting Equip. Repairs Slip/Trip Other Conclusion: Employees stepping off equipment and slip and falls are problem areas. Safety training will continue to focus on ways to prevent these types of accidents. Time Period: 01/01/02 10/01/05

23 Workers Compensation Cost Analysis (2002, 2003 and 2004) Percent to Total Claims (259 Claims) Percent to Total Incurred Dollars - $1,535,404 All Other 40% Knee 12% Back 17% All Other 23% Knee 33% Shoulder 7% Eye 11% Hand 13% Shoulder 18% Eye 3% Hand 9% Back 14% Conclusion: On a combined basis for the thirty-six month period, knee, back, shoulder and hand are the parts of the body that were impacted the most cost wise.

24 Port of Houston Authority Medical Only/Lost Time Split (Combined 2002, 2003 and First 9 Months of 2004) Percent to Total Claims (259 Claims) Percent to Total Incurred Dollars - $1,535,404 Loss Time 33% Medical Only 7% Medical Only 67% Loss Time 93% Conclusion: As in prior years, the substantial portion of workers compensation cost relate to loss time claims. This is consistent with industry wide standards. Time Period: 01/01/02 to 01/01/05

25 Workers Compensation Number of Claims Number Of Claims Lost Time No Lost Time Total Conclusion: Number of claims are trending slightly downward. Time Period: 01/01/01 to 01/01/04

26 Workers Compensation Factors Affecting Management of Costs Medical costs Increased congestion at Barbours Cut Terminal until Bayport Container Facility is open for operation. Law of large numbers. Injuries caused by third parties.

27 Workers Compensation Action Plan Emphasize accident investigation. Establish positive interaction with injured worker. Back to work program. Report claims promptly in order for adjuster to intervene immediately to manage claim. Safety training to focus on problem areas. Periodic meeting with insurance company to discuss insurance reserves. Commitment by management and first line supervisors.

28 LIABILITY COVERAGE

29 Liability Coverage Description of Coverage General Liability Provides coverage for claims filed against the Port Authority by third parties alleging bodily injury and property damage arising from Port Authority operations. Automobile Liability Provides coverage for third party bodily injury and property damage claims filed against the Port of Houston Authority arising out of the ownership, operation or use of Port Authority vehicles. Umbrella Liability Provides limits of liability insurance coverage excess of the limits of coverage included under the primary general and automobile liability insurance policies described above.

30 General and Automobile Liability Coverage Description of Coverage - Included under the same funded deductible program as described for the worker s compensation insurance program. Deductible $200,000 per person bodily injury. $100,000 per accident property damage Umbrella Liability Included as a coverage section under the Port Package Policy written through London Market.

31 Liability Issues Affecting Liability Claims Sovereign Immunity Tariffs Negligence Care, Custody and Control Per Package Limitation

32 Issues Affecting Liability Claims - Sovereign Immunity Under Section of the Civil Practices and Remedies Code, the Port Authority s liability for third party claims is limited to $100,000 each person/$300,000 each accident bodily injury and $100,000 for property damages.

33 Issues Affecting Liability Claims - Per Package Limitation Maximum liability for cargo is $1,000 per package unless prior to the commencement of the movement of the cargo, a higher value is declared and a premium, computed at one percent (1%) of the declared value of the cargo, is paid.

34 Damage to Cargo Being Moved by Port of Houston Authority Transtainer

35 Damage to Cargo Being Moved by Port of Houston Authority Transtainer

36 Barbours Cut Terminal Liability Claim

37 Barbours Cut Terminal Liability Claim

38 Barbours Cut Terminal Liability Claim

39 Barbours Cut Liability Claim

40 Barbours Cut Terminal Liability Claim

41 Issues Affecting Liability Claims The Port Authority Must be Negligent The Tariffs provide that except for damage or injury caused by the negligence of the Port Authority, for which the Port Authority shall not be relieved, users of its facilities agree to indemnify and save harmless the Port Authority from and against all losses, claims, demands, and suits for damages, including death and personal injury, and including court costs and attorneys fees, incident to or resulting from their operations on the property of the Port Authority.

42 Barbours Cut Terminal Liability Claim

43 Barbours Cut Terminal Liability Claim

44 General Liability Claim

45 Issues Affecting Liability Claims - Care, Custody and Control Tariffs state that The rates published in this tariff do not provide for, and the Port of Houston Authority does not accept care, custody and control of any cargo or other properties while on or in the wharfs, docks, transit sheds or other facilities managed and controlled by the Port Authority.

46 Port of Houston Authority Liability Claims Number of Incidents Total Incurred Dollars General Liability Auto Liability Total Conclusion: The number of liability claims has trended down slightly despite increased cargo volumes. Time Period: 01/01/01 to 01/010/05

47 Port of Houston Authority Total Incurred Cost Liability Claims Number of Claims Total Incurred Dollars $325,000 $275,000 $225,000 $277,185 $313, $175, $125,000 $104,504 $89,370 5 $75,000 0 Number of Claims $25,000 -$25,000 Total Incurred Dollars Conclusion: The total incurred dollars for liability claims trended downward in 2003 and again in Time Period: 01/01/01 to 01/01/05

48 Property Insurance Coverage

49 Property Insurance Coverage Description of Coverage Provides all risk property damage coverage on wharf cranes, yard cranes, transit sheds, warehouses and miscellaneous other properties owned by PHA; Total values are in excess of $130,000,000. Coverage extended to include loss of income should equipment or properties be shutdown as a result of direct damage from an insured peril. A $15,000,000 limit of coverage is maintained. Terrorism Coverage included. Special Policy is maintained on electronic equipment. Deductibles Property - $250,000 per occurrence. Equipment 10% of the value of the equipment insured subject to a minimum of $25,000 and a maximum of $100,000 each loss. Business Interruption - $1,000,000 Electronic Equipment - $5,000 per loss

50 Property Insurance Coverage Property Excluded Piers, Docks and Wharves are not insured as these assets have a low probability of loss. Channel Blockage Coverage is not purchased because derrick barges and other heavy equipment is available in the Houston are available in the Houston area to remove sunken or stranded vessels or other debris in the ship channel or a temporary channel could be dredged around the wreck. Portable Equipment such as side loader, pencils and forklifts. Automobiles and Trucks.

51 Damage Claims Damage to Container Handling Equipment Rented by a Stevedoring Company User agrees under the tariff to return the equipment to the Port Authority in the same condition as when received, ordinary wear and tear excluded. Equipment is under User s supervision, direction and control; User assumes sole responsibility and liability for injury to or death of any person or damage to or destruction of any property (including property of the Port Authority) arising out of, or connected with User s possession, use or operation of such machinery. Other Damage Claims

52 Port of Houston Authority Damage Claim

53 Port of Houston Authority Damage Claim

54 Port of Houston Authority Damage Claim

55 ACTION ITEMS FOR DAMAGE CLAIM Place responsible party of notice of the claim immediately Retain marine surveyor if damage is substantial and damage involves dock, dolphins, pilings, etc. Keep responsible party advised during course of repair of damage. Recognize that you may have to adjust the claim for depreciation and betterment.

56 Basics to a Successful Claims Management Program Be proactive on safety. Investigate all accidents. Report accidents promptly. Be involved in writing insurance and indemnity language in contracts.

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

Exhibit D CRANE AUCTION INDEMNIFICATION AND INSURANCE REQUIREMENTS

Exhibit D CRANE AUCTION INDEMNIFICATION AND INSURANCE REQUIREMENTS Exhibit D CRANE AUCTION INDEMNIFICATION AND INSURANCE REQUIREMENTS The insurance requirements below are dependent on the actions to be taken by the successful vendor(s) following the Port of Los Angeles

More information

INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS

INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS INSURANCE REQUIREMENTS FOR ALL CITY CONTRACTS 1. GENERAL PROVISIONS A. Indemnification. The Contractor shall indemnify and save harmless the City of Lincoln, Nebraska from and against all losses, claims,

More information

INTERNATIONAL MARINE UNDERWRITERS COMMERCIAL MARINE PACKAGE POLICY APPLICATION

INTERNATIONAL MARINE UNDERWRITERS COMMERCIAL MARINE PACKAGE POLICY APPLICATION INTERNATIONAL MARINE UNDERWRITERS COMMERCIAL MARINE PACKAGE POLICY APPLICATION Name of Applicant: Mailing Address: Web: City: State: Zip: Applicant is a : Partnership Corporation Other Policy Period: From:

More information

INSURANCE REQUIREMENTS FOR FEDERAL CONTRACTORS

INSURANCE REQUIREMENTS FOR FEDERAL CONTRACTORS INSURANCE REQUIREMENTS FOR FEDERAL CONTRACTORS This document is provided to supply you with information regarding insurance requirements on Government contracts. Please be advised that the samples are

More information

Insuring Business Vehicles

Insuring Business Vehicles Insuring Business Vehicles WHAT IS BUSINESS VEHICLE INSURANCE? As a businessowner, you need some of the same insurance coverages for the cars, trucks, vans or other vehicles you use in your business as

More information

Insurance Boot Camp. Understanding Coverages for Your School Division, Staff and Students

Insurance Boot Camp. Understanding Coverages for Your School Division, Staff and Students Insurance Boot Camp Understanding Coverages for Your School Division, Staff and Students VASBO Fall Conference Continuing Education October 15, 2015 1:00 p.m. Presented by David Brooks Lee Brannon and

More information

MARINE LIABILITY PRODUCTS

MARINE LIABILITY PRODUCTS MARINE LIABILITY PRODUCTS www.prosightspecialty.com/marine Tim McAndrew tmcandrew@prosightspecialty.com 212-551-0618 Tom Zdrojeski tzdrojeski@prosightspecialty.com 212-551-0623 Robert Palmer rpalmer@prosightspecialty.com

More information

ATTACHMENT A.6 INSURANCE REQUIREMENTS ROUTINE CONSTRUCTION, MAINTENANCE AND REPAIR PROJECTS

ATTACHMENT A.6 INSURANCE REQUIREMENTS ROUTINE CONSTRUCTION, MAINTENANCE AND REPAIR PROJECTS ATTACHMENT A.6 INSURANCE REQUIREMENTS ROUTINE CONSTRUCTION, MAINTENANCE AND REPAIR PROJECTS Contractor shall obtain insurance of the types and in the amounts listed below. A. COMMERCIAL GENERAL AND UMBRELLA

More information

Glossary of Insurance Terms

Glossary of Insurance Terms From the Insurance Bureau of Canada (IBC) Accident: An event that happens by chance and is not expected in the normal course of events, which results in harm to people, damage to property or equipment,

More information

EXHIBIT 17 INSURANCE COVERAGE REQUIREMENTS

EXHIBIT 17 INSURANCE COVERAGE REQUIREMENTS EXHIBIT 17 INSURANCE COVERAGE REQUIREMENTS 1. Builder s Risk Insurance During Construction At all times during the period from the Operating Commencement Date until the last Service Commencement Date and

More information

The Regents of the University of California Guidelines for Vessel Charters

The Regents of the University of California Guidelines for Vessel Charters The Regents of the University of California Guidelines for Vessel Charters This document is provided to outline the risk management guidelines when the University charters non-owned vessels. A charter

More information

Self-Insured Coverage Document Auto Physical Damage

Self-Insured Coverage Document Auto Physical Damage Self-Insured Coverage Document Auto Physical Damage 2014 WCIA Auto Physical Damage Coverage Document Page 2 Washington Cities Insurance Authority Self-Insured Coverage Document Auto Physical Damage APDCov2014

More information

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is

More information

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

More information

for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions

for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions Presenting a live 90 minute webinar with interactive Q&A Commercial Leases: Risk Mitigation Strategies for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC LIABILITY INSURANCE POLICY IT IS AGREED THAT subject to the Terms Exceptions and Conditions contained herein or endorsed hereon the Company will during the Period of Insurance stated in the said

More information

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS COMMERCIAL AUTO CA 01 12 04 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

More information

Large Personal Injury Claims by Accident Type (Number)

Large Personal Injury Claims by Accident Type (Number) Mooring Incidents Large Personal Injury Claims by Accident Type (Number) STRUCK BY MOTOR VEHICLE BURNS CHEMICAL EXPOSURE STRAIN BY HOLDING OR CARR BURNS BY STEAM OR FLUIDS CRUISE CANCELLATION EXPLOSION

More information

Contract Works and What you need to Know

Contract Works and What you need to Know ACN 002 566 743 Brookvale Insurance Brokers Pty Ltd Contract Works and What you need to Know 1. The Need for Contract Works Insurance The growth of large-scale construction projects has been accompanied

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions We have endeavored to answer the most frequently asked insurance questions. These are guidelines, generalizations not to be construed as coverage and/or guarantees. When you

More information

OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY. Presented by: Alliant Insurance

OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY. Presented by: Alliant Insurance OVERVIEW OF HNO, PHYSICAL DAMAGE, CASE STUDY Presented by: Alliant Insurance Session Overview At the end of this presentation, participants should be able to: 1. Define what HNO means 2. Understand how

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

Workers Compensation Program Review FY09-13

Workers Compensation Program Review FY09-13 Charleston Achieving Excellence: Vision 2016 Workers Compensation Program Review FY09-13 Risk Safety and Environmental Management Dana S. Enck, Director December 9, 2013 Objectives of this presentation

More information

EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR

EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR Section 1 Insurance Coverages Prior to Project Completion Except as set forth below, the Developer will obtain and

More information

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS

QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability

More information

EXHIBIT Y INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR

EXHIBIT Y INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR EXHIBIT Y INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR Section 1 Insurance Coverages Required Prior to Final Completion of the Project Assets Except as set forth below,

More information

SUPPLEMENTAL ENVIRONMENTAL AUTOMOBILE LIABILITY SM POLICY

SUPPLEMENTAL ENVIRONMENTAL AUTOMOBILE LIABILITY SM POLICY SUPPLEMENTAL ENVIRONMENTAL AUTOMOBILE LIABILITY SM POLICY VARIOUS PROVISIONS IN THIS POLICY RESTRICT COVERAGE. READ THE ENTIRE POLICY CAREFULLY TO DETERMINE RIGHTS, DUTIES AND WHAT IS AND IS NOT COVERED.

More information

Canal Truck Insurance Application

Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

Queensland Government Insurance Fund (QGIF) Insurance Policy (Version 6 - Effective 1 July 2014)

Queensland Government Insurance Fund (QGIF) Insurance Policy (Version 6 - Effective 1 July 2014) Queensland Government Insurance Fund (QGIF) Insurance Policy (Version 6 - Effective 1 July 2014) This policy is for the following Insurances: Section 1 - Property Section 2 - Business Interruption Section

More information

Insurance 101. Sally Becker CPCU ARM

Insurance 101. Sally Becker CPCU ARM Insurance 101 Sally Becker CPCU ARM 1 Statutes Texas Tort Claims Act CPRC 101 Indemnification CPRC 104 Limitation of Liability CPRC 108 2 Definition: A contractual relationship that exists when one party

More information

Risk Control Industry Guide Series. Utility Contractors Industry

Risk Control Industry Guide Series. Utility Contractors Industry Risk Control Industry Guide Series Utility Contractors Industry This study reflects on information derived from insurance claims. These claims form a database that can be analyzed to determine the many

More information

Description of the premises in the lease Permitted Uses Maintenance and Repair Restoration Indemnification and Insurance Port Tariff applicable to

Description of the premises in the lease Permitted Uses Maintenance and Repair Restoration Indemnification and Insurance Port Tariff applicable to Heather McCloskey Deputy City Attorney Port of Los Angeles Description of the premises in the lease Permitted Uses Maintenance and Repair Restoration Indemnification and Insurance Port Tariff applicable

More information

FY 2013 State of Wisconsin Risk Management Benchmarking Report. Developed By: State of Wisconsin Bureau of State Risk Management

FY 2013 State of Wisconsin Risk Management Benchmarking Report. Developed By: State of Wisconsin Bureau of State Risk Management FY 2013 State of Wisconsin Risk Management Benchmarking Report Developed By: State of Wisconsin Bureau of State Risk Management FY 2013 State of Wisconsin Risk Management Benchmarking Report Table of Contents

More information

Feature !"#$%&'()*+, !"#$%&'()*+,-!"#$%& '()*+!"#$%&'()*+,- 2.!"#$%&'()#*+,!"#$!"#$!"#$%&'(' 2%!"#$%&'()!"#$%&'()*+,-!"#!"#$%&!"#$%&'()*)+,!

Feature !#$%&'()*+, !#$%&'()*+,-!#$%& '()*+!#$%&'()*+,- 2.!#$%&'()#*+,!#$!#$!#$%&'(' 2%!#$%&'()!#$%&'()*+,-!#!#$%&!#$%&'()*)+,! !!"#$%&'()*+,!"#$%&'()*+ 2.!"#$%&'()#*+,!"#$!"#$!"#$%&'(' 2%!"#$%&'()!"#!"#$%&!"#$%&'()*)+,! 3.!"#$%&'()*+,!"#$%&'()*!!"#$%&'!()*+!!"#$%&'()*+,!"#$%&'()*+,!"#$%&'()*"+,!"#$%&'(!"#$%&'$()*+,-.!"#$%&'()*+,

More information

CHAPTER 18 GENERAL INSURANCE

CHAPTER 18 GENERAL INSURANCE WISCONSIN LEGISLATOR BRIEFING BOOK 2015-16 CHAPTER 18 GENERAL INSURANCE Insurance protects against unexpected losses of income or property. The state regulates general insurance matters through the Office

More information

Allstate Indemnity Company Important Notice

Allstate Indemnity Company Important Notice Allstate Indemnity Company Important Notice Special Notice to Minnesota Auto Insureds The following surcharge information effective as of 8/2/2010 is provided to help you better understand your auto insurance

More information

THE BASICS. Michael A. Mason, CIC, ARM

THE BASICS. Michael A. Mason, CIC, ARM THE BASICS Michael A. Mason, CIC, ARM This insurance is designed to protect your business in the event owned property is lost, stolen or damaged. Different policies protect against different risks and

More information

An insurance package suitable for small to medium sized businesses in the construction industry with a:-

An insurance package suitable for small to medium sized businesses in the construction industry with a:- Contractors Choice Summary of Cover An insurance package suitable for small to medium sized businesses in the construction industry with a:- Turnover up to 1.5m at new business and 2m at renewal Maximum

More information

INSTRUCTIONS FOR USE

INSTRUCTIONS FOR USE Uniform Personal Injury Interrogatories INSTRUCTIONS FOR USE A. All information is to be divulged which is in the possession of the individual or corporate party, his attorneys, investigator, agents, employees,

More information

EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR

EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR EXHIBIT V INSURANCE COVERAGE REQUIREMENTS FOR DESIGN-BUILD CONTRACTOR AND O&M CONTRACTOR Section 1 Insurance Coverages Prior to Project Completion Except as set forth below, the Developer will obtain and

More information

MINNESOTA STATE COLLEGES AND UNIVERSITIES General Insurance Requirements for Contractors & Vendors

MINNESOTA STATE COLLEGES AND UNIVERSITIES General Insurance Requirements for Contractors & Vendors Certificate of Liability Insurance, Form ACORD25: Following are the insurance requirements of the State of Minnesota acting through its Board of Trustees of the Minnesota State Colleges and Universities,

More information

Most Commonly Used Property and Casualty Glossary of Terms

Most Commonly Used Property and Casualty Glossary of Terms Property & Casualty Division Most Commonly Used Property and Casualty Glossary of Terms Accounts Receivable Coverage - pays for the cost of replacing or restoring your accounts receivable records if they're

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

Automobile Insurance Information for Travel in the Republic of Mexico

Automobile Insurance Information for Travel in the Republic of Mexico Although a driver license issued by any state in the U. S. is recognized by the Mexican Government, automobile liability insurance policies issued by most U. S. insurers are not valid in Mexico, inclusive

More information

The Texas A&M University System Auto Liability Plan

The Texas A&M University System Auto Liability Plan The Texas A&M University System Auto Liability Plan Page 1 Tuesday, September 28, 2010 Table of Contents I. Automobile Liability...3 II. III. IV. Rental Vehicles.4 Personal Autos..4 Plan Exclusions.4 V.

More information

MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS

MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS MAIN CIVIL WORKS CONTRACT SCHEDULE 13 INSURANCE TABLE OF CONTENTS 1 INTERPRETATION... 1 1.1 Definitions... 1 2 CONTRACTOR PROVIDED INSURANCE COVERAGE... 1 3 BC HYDRO PROVIDED INSURANCE COVERAGE... 2 4

More information

COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT

COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT PERSONAL AUTO CV 90 11 02 09 DEFINITIONS Items I. and J. are replaced by the follow ing:

More information

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement

Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Alberta Finance and Enterprise - Insurance - Family Protection Endorsement Page 1 of 6 Automobile Insurance - S.E.F. No. 44 FAMILY PROTECTION ENDORSEMENT (For Alberta Only) Index Definitions Insuring Agreement

More information

1. Liability Coverage for Employees Driving State-Owned Cars

1. Liability Coverage for Employees Driving State-Owned Cars To: MTSU Community From: Office of the University Counsel Date: August 2, 2013 Re: Liability for Employee Auto Accidents 1. Liability Coverage for Employees Driving State-Owned Cars Although the State

More information

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR 64th Legislature HB0375 AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR PROPERTY DAMAGE; AMENDING SECTION 61-6-103, MCA; AND PROVIDING AN APPLICABILITY DATE. BE IT ENACTED

More information

A. The vessel owner has appointed Solstice Sailing, Inc. as agent to manage and charter the yacht identified in the below as:

A. The vessel owner has appointed Solstice Sailing, Inc. as agent to manage and charter the yacht identified in the below as: THIS AGREEMENT is made between Solstice Sailing, Inc., DBA, a Michigan Company of Traverse City, Michigan (,Solstice Sailing") and, Charterer" (Print Charterer Name here) RECITALS A. The vessel owner has

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

Credit Card Authorization and Security Form

Credit Card Authorization and Security Form Credit Card Authorization and Security Form Customer Name: Production Company: Address: City: State: Zip: Phone Number: Rental Period: Job Description: Amount of Invoice (If known): Card Type: AMEX VISA

More information

MOTOR TRADERS- EXTERNAL- Absa Select

MOTOR TRADERS- EXTERNAL- Absa Select MOTOR TRADERS- EXTERNAL- Absa Select Defined events The company will in accordance with the terms, exceptions and conditions of Articles I and II indemnify the Insured in respect of any accident, loss

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

"I" INSURANCE CONDITIONS

I INSURANCE CONDITIONS "I" INSURANCE CONDITIONS I_insur_conditions.pdf Issued on July 16, 2009 I N D E X PART I GENERAL INSURANCE CONDITIONS (GIC)...1 GIC 1 INDEMNIFICATION...1 GIC 2 CONTRACTOR...1 GIC 3 INSURANCE PROCEEDS...1

More information

Property and Casualty Coverage

Property and Casualty Coverage Property and Casualty Coverage Property and casualty addresses the institutional needs of the University for recovery from loss and damage to a tangible item. This "non-life" class of coverage insures

More information

LMCIT Service Contract Insurance Recommendations

LMCIT Service Contract Insurance Recommendations LMCIT Service Contract Insurance Recommendations The type and amount of insurance should be determined on a case-by case basis dependent upon various factors such as the scope of work and the potential

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

California Department of Insurance Investigatory Hearing Background White Paper

California Department of Insurance Investigatory Hearing Background White Paper Purpose of Hearing California Department of Insurance Investigatory Hearing Background White Paper Insurance and Transportation Network Companies: Solving the insurance challenges so passengers, drivers,

More information

SAMPLE 1. GC17 INDEMNIFICATION. (a) (i) (ii) -1-6sgc.doc

SAMPLE 1. GC17 INDEMNIFICATION. (a) (i) (ii) -1-6sgc.doc 1. GC17 INDEMNIFICATION Except as provided in the Contractor shall be liable for, and shall indemnify and hold harmless the Owner against all claims, demands, losses, costs, damages, actions, suits or

More information

Risk Management And Insurance

Risk Management And Insurance Risk Management And Insurance In a Sober Living Environment, CPCU, ARM National Program Director Addiction Treatment Providers Insurance Program 610-941-9877 ext. 225 rjwilletts@nsminc.com Rich is a 30-year

More information

AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO

AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO 159 AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO BY JOHN EDWARDS INTRODUCTION During 1936, 138 insurers reported automobile insurance premiums written

More information

INSURANCE BASICS101 TM %*'9 [[[ EPXEREJGY SVK

INSURANCE BASICS101 TM %*'9 [[[ EPXEREJGY SVK INSURANCE BASICS101 TM This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,

More information

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be

More information

To: Our Valued Clients From: Agency Name Re: Gap Letter

To: Our Valued Clients From: Agency Name Re: Gap Letter To: Our Valued Clients From: Agency Name Re: Gap Letter From time to time, we mail a notice to our clients (past, current, and potential) called a Gap Letter. The purpose of this letter is to inform you

More information

FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC

FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC FLORIDA KEYS AQUEDUCT AUTHORITY BOARD OF DIRECTORS MEETING OPEN TO THE PUBLIC A G E N D A FLORIDA KEYS AQUEDUCT AUTHORITY BOARD ROOM 1100 Kennedy Drive Key West, Florida 33040 WEDNESDAY, MAY 14, 2014 10:00

More information

University of Texas at San Antonio Office of Environmental Health, Safety and Risk Management. Risk Management and Insurance Plan

University of Texas at San Antonio Office of Environmental Health, Safety and Risk Management. Risk Management and Insurance Plan University of Texas at San Antonio Office of Environmental Health, Safety and Risk Management Risk Management and Insurance Plan i. Review and Signature Page This Risk Management and Insurance Plan has

More information

7 Dirty Little Secrets No One Wants You To Know About Apartment Insurance

7 Dirty Little Secrets No One Wants You To Know About Apartment Insurance Special Consumer Report Insurance Insider Reveals 7 Dirty Little Secrets No One Wants You To Know About Apartment Insurance How Many Of These Dangerous Mistakes Are You Making? By: Larry Hines, CPCU, CLU,

More information

SPECIAL CONSIDERATIONS FOR TRUCKS AND COMMERCIAL VEHICLES. Thomasina Dumonceau Blaney McMurtry LLP 416.593.2999 tdumonceau@blaney.

SPECIAL CONSIDERATIONS FOR TRUCKS AND COMMERCIAL VEHICLES. Thomasina Dumonceau Blaney McMurtry LLP 416.593.2999 tdumonceau@blaney. SPECIAL CONSIDERATIONS FOR TRUCKS AND COMMERCIAL VEHICLES Thomasina Dumonceau Blaney McMurtry LLP 416.593.2999 tdumonceau@blaney.com SPECIAL CONSIDERATIONS FOR TRUCKS AND COMMERCIAL VEHICLES This paper

More information

At minimum, Project Co will be required to ensure the following insurance coverage in relation to the D&C Phase:

At minimum, Project Co will be required to ensure the following insurance coverage in relation to the D&C Phase: Schedule 9 - Insurance Part A - D&C Phase insurance requirements Project Co will be required to effect or cause to be effected such appropriate insurances during the D&C Phase in accordance with Clause

More information

INTRODUCTION. Axis Insurance Managers specializes in structuring bespoke insurance solutions for the Oil & Gas Contracting Industry.

INTRODUCTION. Axis Insurance Managers specializes in structuring bespoke insurance solutions for the Oil & Gas Contracting Industry. INSURANCE GUIDE INTRODUCTION Axis Insurance Managers specializes in structuring bespoke solutions for the Oil & Gas Contracting Industry. We have developed relationships, programs and facilities with leading

More information

Small Business Insurance Basics

Small Business Insurance Basics Small Business Insurance Basics WHAT INSURANCE SHOULD MY BUSINESS HAVE? Most businesses need to purchase at least the following four types of insurance: Property Insurance Liability Insurance Business

More information

a. Employees of the Department of Human Services in their individual capacity at the time of an occurrence covered hereinafter.

a. Employees of the Department of Human Services in their individual capacity at the time of an occurrence covered hereinafter. 1 of 5 1. Background: By virtue of the authority delegated to the Department of Administrative Services (DOAS), a Self Insurance Program to provide Broad Form State Employee Liability Coverage has been

More information

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review

OFFICE OF INSURANCE REGULATION Property and Casualty Product Review OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE

More information

Business Auto Insurance. made simple

Business Auto Insurance. made simple Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions

More information

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have

NEFE High School Financial Planning Program Unit 6 Your Money: Keeping it Safe and Secure. Unit 6 - Insurance: Protecting What You Have Unit 6 - Insurance: Protecting What You Have Common Exposures to Loss Exposure Risk Potential Loss Accident or Illness Loss of income from inability to work; uninsured medical bills; death UNLIMITED Property

More information

Insurance basics for nonprofit organizations

Insurance basics for nonprofit organizations Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are

More information

Missouri Family Automobile Insurance Policy

Missouri Family Automobile Insurance Policy GEICO ONE GEICO PLAZA Washington, D.C. 20076-0001 Telephone: 1-800-841-3000 Missouri Family Automobile Insurance Policy Government Employees Insurance Company GEICO General Insurance Company GEICO Indemnity

More information

Commercial Insurance. www.infarmbureau.com

Commercial Insurance. www.infarmbureau.com Commercial Insurance www.infarmbureau.com Is your business properly insured? Don t wait until it s too late! Commercial Package Policy (CPP) Used by many classes of businesses manufacturers, restaurants,

More information

Construction Insurance

Construction Insurance Construction Insurance Bridging Theory & Practice in Project Risks Manoj Kumar, Chartered Insurer ACII (UK), CPCU (USA), ARe (USA), ARM (USA), FIII (India). MBA Email: manoj@einsuranceprofessional.com

More information

Insurance. for your small. business

Insurance. for your small. business Insurance for your small business @BritishInsurers As an employer, you are legally required to have Employers Liability Insurance. If you use motor vehicles for your business, you are legally required

More information

MARINE PRODUCTS DIRECTORY

MARINE PRODUCTS DIRECTORY MARINE PRODUCTS DIRECTORY CARGO INSURANCE All risks of physical loss or damage to goods whilst in transit by land, sea and/or air including War, Strikes Riots and Terrorism and Goods in Transit Insurance.

More information

3. GC 25 WORKPLACE HEALTH, SAFETY AND COMPENSATION COMMISSION

3. GC 25 WORKPLACE HEALTH, SAFETY AND COMPENSATION COMMISSION 1. GC17 INDEMNIFICATION Except as provided in the Contractor shall be liable for, and shall indemnify and hold harmless the Owner against all claims, demands, losses, costs, damages, actions, suits or

More information

Understanding your auto claim

Understanding your auto claim Understanding your auto claim Filing a claim Immediately notify the police of an accident that damaged other s property or if you were the victim of a hitand-run accident, uninsured motorist, vandalism

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant

More information

Garage Liability Policy

Garage Liability Policy Garage Liability Policy 8 0 0. 8 3 3. 3 4 2 7 w w w. c o n s t i t u t i o n a l. c o m GARAGE LIABILITY COVERAGE FORM TC-11 QUICK REFERENCE (Ed. 01-06) DECLARATIONS PAGE Name of Insurance Company Policy

More information

Subrogation and Liens: Basic Principles and Practical Considerations. Brandon E. Berg Thompson, Coe, Cousins & Irons, L.L.P.

Subrogation and Liens: Basic Principles and Practical Considerations. Brandon E. Berg Thompson, Coe, Cousins & Irons, L.L.P. Subrogation and Liens: Basic Principles and Practical Considerations Brandon E. Berg Thompson, Coe, Cousins & Irons, L.L.P. Houston, Texas Texas Hospital Lien Statute Texas Property Code gives a hospital

More information

QBE CONTRACT WORKS Cover

QBE CONTRACT WORKS Cover To maintain the momentum of a project, contractors need responsive specialist insurance service. FC/QBEP082/03.09 1 of 6 The Problem Every engineering work, whether it is for a small building to massive

More information

Rate Group DR. 2007-2011 Profile. Prepared by: Business Information and Analysis (BIA) 2012/07/19

Rate Group DR. 2007-2011 Profile. Prepared by: Business Information and Analysis (BIA) 2012/07/19 2007-2011 Profile Prepared by: Business Information and Analysis (BIA) 2012/07/19 Base Rates Classification Unit # CU Description 2007 2008 2009 2010 2011 2012 % Change from 2011 to 2012 703003 Cable or

More information

Insurance Coverage: The Commercial General Liability Policy

Insurance Coverage: The Commercial General Liability Policy Insurance Coverage: The Commercial General Liability Policy An overview of the backbone of avionics business protection. What is available and how you can control the cost of it. Please understand what

More information

Tuesday, March 1, 2016 Houston, TX. 3:55 4:45 p.m. ENERGY 101 A PRIMER ON CGL EXPOSURES AND INSURANCE

Tuesday, March 1, 2016 Houston, TX. 3:55 4:45 p.m. ENERGY 101 A PRIMER ON CGL EXPOSURES AND INSURANCE Tuesday, March 1, 2016 Houston, TX 3:55 4:45 p.m. ENERGY 101 A PRIMER ON CGL EXPOSURES AND INSURANCE Presented by Cindi Vickers Risk Management Consultant This primer session will dig into the details

More information

Auto v. Mobile Equipment in the CGL

Auto v. Mobile Equipment in the CGL Auto v. Mobile Equipment in the CGL By Craig F. Stanovich, CPCU, CIC, AU Principal Austin & Stanovich Risk Managers, LLC December, 2002 As most commercial insurance practitioners know, the CGL policy is

More information

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1

NonProfit 101. Notes: Session 1B: Insurance, What you do not know can hurt you! From Survivability to Sustainability. June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 1 Session 1B: Insurance, What you do not know can hurt you! Notes: June 10, 2015 Session 1B page 2 June 10,

More information

Benefits. Mary S. Kohnke Wagner, Esq. Marshall, Dennehey, Warner, Coleman & Goggin. The following sections explain each element.

Benefits. Mary S. Kohnke Wagner, Esq. Marshall, Dennehey, Warner, Coleman & Goggin. The following sections explain each element. 5 Mary S. Kohnke Wagner, Esq. Marshall, Dennehey, Warner, Coleman & Goggin General Purpose of the Pennsylvania Workers Compensation Act The Pennsylvania Legislature enacted the Pennsylvania Workers Compensation

More information

Transportation solutions driven by your business. The holistic alternative for BC based trucking business

Transportation solutions driven by your business. The holistic alternative for BC based trucking business Transportation solutions driven by your business The holistic alternative for BC based trucking business TM An integrated plan delivered by a leading global insurer, and the largest insurer of Transportation

More information

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY WHEREAS the Insured by a proposal which shall be the basis of this insurance policy and be held as incorporated herein, has applied to

More information

LMCIT Auto Coverage Guide

LMCIT Auto Coverage Guide INFORMATION MEMO LMCIT Auto Coverage Guide Understand auto liability, auto physical damage, no-fault, and uninsured/underinsured coverage offered by the League of Minnesota Cities Insurance Trust (LMCIT),

More information