Monroe County Commission

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1 W-est Virginia Cunties Grup Self Insurance Risk Pl Self Insurance Prpsal fr Prperty, Liability, Autmbile and Wrkers' Cmpensatin A Prpsal t Mnre Cunty Cmmissin Presented n: March 17, 2013 Package cverages' terms, cnditins and exclusins are nly briefly utlined. Fr cmplete prvisins please refer t the cntract.

2 WEST VIRGINIA COUNTIES GROUP SELF-INSURANCE RISK POOL Mnre Cunty Cmmissin CONTRIBUTION SUMMARY FORM Cverage Deductible Cntributin I Prperty- "All Risks"; Replacement Cst; $1,000 $ 10,876 N Cinsurance; Blanket Inland Marine - Replacement Cst if Reprted, $1,000 Included Otherwise Actual Cash Value Cmputers $1,000 Included Biler & Machinery $1,000 $915 II III IV v VI Cyber Risk - $1,000,000/$250,000/$25,000 Nne Included Cmprehensive General Liability - $1,000,000 Nne $ 18,283 Cmbined Single Limit; Occurrence Frm; N Annual Aggregate; Nn-audited Law Enfrcement Liability- $1,000,000 Limit Each $ 5,000 Included Wrngful Act Public Officials Liability - $1,000,000 Limit $ 5,000 $ 8,482 Autmbile-$1,000,000 CSL n All Autmbiles Nne $ 18,335 Cmp./Cllisin n All Autmbiles; Autmatic $1,000 Included Cverage fr Additins; Nn-audited VII Crime - Blanket $250,000 Faithful Perfrmance; In/Out $250 $ 950 Rbbery; Cunterfeit; Frgery, Cmputer Fraud VIII IX Increased Limits - Ttal $2,000,000 fr Autmbile, Nne $2,178 General Liability, Public Officials and Law Enfrcement Liability if applicable. Wrkers' Cmpensatin Nne $12,647 Cverage A - Statutry Cverage B - $1,000,000 TOTAL ANNUAL CONTRIBUTION t $ 72,666

3 PROPERTY Buildings & Cntents: Basis f Cntributin: Ttal Building Values: $ 7,114,330 Ttal Cntents Values: $ 510,000 Business Incme/Extra Expense: ($100,000 autmatic) $ 100,000 Inland Marine: Basis f Cntributin: Blanket Inland Marine Values: $ 805,960 Cntractrs' Equipment: Included WVCRP Additinal Cverages: (n additinal charge) Architects' and Engineers' fees fr plans, specificatins and supervisin Back-up f Sewers & Drains: $10,000 per ccurrence, $25,000 Aggregate Debris Remval up t $10,000,000 Pllutant Clean-up and remval: $500,000 Limit Errr in Reprting Prvisin Imprvements and Betterments: (t buildings leased by the entity) Miscellaneus Unnamed Prperty: $500,000 Limit Newly Acquired Prperty under $500,000 in value cvered until renewal at n additinal charge; additinal charge fr Limits abve $500,000 Prperty in Transit up t $5,000,000 Off Premises Pwer Failure: $1,000,000 Limit Signs, fences, light ples & antenna incl. lead in wiring, masts and twers; retaining walls are cvered within 1,000 feet f the premises prvided their values are included in the schedule Building Ordinance/Increased Cst f Cnstructin/Demlitin cvered up t $10,000,000 Accunts Receivable: $100,000 Limit Additinal Cverages: (additinal charge) Builders' Risk during building cnstructin (Optinal-Must be reprted) Perils Cvered: "All Risks" except as excluded by the plicy frm. Fld (if utside the 100 year fld plain) and Earthquake are included. Valuatin: Building & Cntents - Replacement Cst Inland Marine - Functinal Replacement Cst r Actual Cash Value Other Terms: Blanket Limit N Cinsurance $1,000 Building & Cntents $1,000 Inland Marine & $1,000 Cntractrs Equipment $25,000 fr Fld & Earthquake

4 COMPUTERS Basis f Cntributin: Hardware: $268,000 Sftware: Included Perils Cvered: All risk f direct physical damage lss including electrical and mechanical breakdwn Valuatin: Functinal Replacement Cst, subject t reprting f 100% replacement values, therwise Actual Cash Value $1,000

5 GENERAL LIABILITY Cmbined Single Limit Basis f Cntributin: Limits: Net Operating Expenses: $1,884,871 $1,000,000 Cmbined Single Limit fr Bdily Injury and Prperty Damage, each ccurrence; n annual aggregate Additinal Cverages: Sub-limits: Failure t Supply (N Sub-limit) Prducts/Cmpleted Operatins Sidetrack Agreements including Railrads Persnal Injury and Advertising Liability Blanket Cntractual Liability Brad Frm Prperty Damage Liability Incidental Medical Malpractice fr emplyees & Member Vlunteer EMT' s and Nurses Nn-Owned Watercraft under 26 feet Limited Wrldwide Liability $100,000 Fire Damage Legal Liability $100,000 Care, Custdy and Cntrl f Others' Prperty Nne

6 CYBERRISK Limits: $1,000,000 Maximum aggregate fr all Cyber Risk lsses under the cntract, cmmencing with the inceptin date f this cntract, regardless f the number f Members invlved. $250,000 $25,000 Netwrk and Infrmatin Security Liability Cmmunicatins and Media Liability Regulatry Defense Expenses Crisis Management Expenses Security Breach Remediatin and Ntificatin Expenses Nne Retractive Date: July 1, 2013

7 LAW ENFORCEMENT LIABILITY Limits: $1,000,000 Each Wrngful Act N Annual Aggregate Cverage: Fllws Cverage Cntract fr General Liability Additinal Cverages: Bdily Injury/Prperty Damage with respects t Law Enfrcement peratins Persnal Injury Liability Brad Frm Prperty Damage Liability Limited Wrldwide Liability Owned Watercraft under 26 feet Vlunteers included as cvered persns (vlunteer fire & rescue are excluded) Cntractual Liability fr cvered cntracts $5,000 each lss including adjustment expense

8 PUBLIC OFFICIALS LIABILITY Limits: $1,000,000 each wrngful act $1,000,000 annual aggregate Plicy Frm: Occurrence Cverages: Emplyment Practices Sexual harassment Defense cst in additin t plicy limits Additinal Prvisins: Claims handled when filed, nt nly if a lawsuit is filed Nn-auditable $ 5,000 each lss including lss adjustment expense

9 AUTOMOBILE LIABILITY AND PHYSICAL DAMAGE Basis f Cntributin: Number f Vehicles: 19 Liability: Limits: $1,000,000 Cmbined Single Limit fr Bdily Injury and Prperty Damage each ccurrence; N annual aggregate $2,000 Medical Payments (Per Persn) $1,000,000 Nn-wned and Hired Aut liability (excess ver any ther cllectible insurance) $1,000,000 Cmbined Single Limit - Uninsured Mtrist Limit Additinal Cverages: Out f State N Fault Cverage prvided at the basic minimum limits required by state law Newly acquired vehicles cvered until renewal at n additinal charge *Replacement cst cverage can be prvided n any vehicle with a replacement cst value in excess f $50,000: Physical Damage: Deductibles: Must be reprted at 100% f replacement cst value Additinal charge will apply $1,000 Cmprehensive (Actual Cash Value) $1,000 Cllisin (Actual Cash Value) $1,000 Physical Damage t Hired r Brrwed Autmbiles- up t $25,000 *Please prvide values fr all vehicles yu wish t have this cverage applied t effective

10 CRIME COVERAGE $250,000 per ccurrence Cverage Frms: Emplyee Theft Emplyee Dishnesty (Faithful Perfrmance Frm)* Brad Frm Mney and Securities (Inside the Premises)* Brad Frm Mney and Securities (Outside the Premises)* Mney Orders and Cunterfeit Paper Currency Depsitrs Frgery Cverage Cmputer Fraud Public Officials Required Bnd: Meets maximum listed Bnd value fr all publics fficials as utlined by $250 per ccurrence

11 INCREASED LIMITS Limits: $2,000,000 Ttal Limit Cverage: Applies t Business Autmbile Liability Applies t General Liability Applies t Public Officials Applies t Law Enfrcement Liability Fllws Cverage Frms under Cntract Prvisins where applicable. Nne

12 WORKERS' COMPENSATION COVERAGE: Wrkers' cmpensatin cverage is prvided in accrdance with and limited t guidelines established by the Offices f the West Virginia Insurance Cmmissiner and Emplyers Liability. Emplyers' Liability: Bdily Injury by Accident Bdily Injury by Disease (per persn) Bdily Injury by Disease (per accident) $1,000,000 $1,000,000 $1,000,000 The classificatins and cdes shwn are established by the Natinal Cuncil n Cmpensatin Insurance (NCCI) and are the same as thse used by insurance cmpanies in West Virginia. CLASSIFICATION Plice Officers & Drivers Clerical Attrney-All Emplyees Animal Cntrl Building Operatin CODE PAYROLL $308,000 $731,242 $109,536 $8,568 $21,008 $1,178,354 Manual Cntributin Experience Mdificatin Mdified Cntributin Regulatry & Debt Reductin Ttal Estimated Cntributin RATE CONTRIBUTION 9,702 2, , , ,647 The rates prpsed have been filed with the WV Office f the Insurance Cmmissiner. Wrkers' Cmpensatin Cverage Cntributin is payable in equal quarterly installments r n an annual basis.

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