Overview of CIBA Programs
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1 Overview of CIBA Programs Innovation in commercial insurance programs Corporate Office: 655 North Central Avenue, Suite 2100, Glendale, CA t f
2 WHO IS CIBA? CIBA Insurance Services, established in 1993, provides commercial real estate insurance programs to property owners, managers, associations and affinity groups. Our Mission: To continue to be the industry leader in providing owners and managers of commercial real estate comprehensive and competitively priced programs for risk management. Program coverage limits are established, continuously monitored and adjusted, if necessary, to ensure that each participant s purchased coverages are available to protect their commercial real estate investment. 2
3 CIBA PROGRAM Washington Oregon Idaho Nevada Utah California LAS VEGAS GLENDALE Arizona Montana Wyoming Colorado New Mexico North Dakota South Dakota Nebraska Kansas Texas Oklahoma Wisconsin Minnesota DALLAS Iowa Missouri Arkansas CHICAGO Illinois Michigan Indiana Ohio Kentucky Tennessee West Virginia ATLANTA Georgia Virginia North Carolina South Carolina New York Pennsylvania Delaware Maryland Massachusetts District of Columbia States CIBA Program is available Regional Offices 3
4 CIBA INSURANCE SERVICES AND ITS SUBSIDIARIES CIBA INSURANCE SERVICES AND ITS SUBSIDIARIES CIBA CLAIMS ADJUSTING GROUP, INC. LAW OFFICES OF BAKER & ASSOCIATES Underwriting Claims Adminstration Legal Claims Support Inspections & Loss Control Subrogation Coverage Placement Processing Support Sales & Marketing Support Insurance Certificate Monitoring 4
5 HISTORY OF CIBA Our steady and controlled Program growth has allowed the CIBA Program to continue its goal of maximizing the benefits to participants through expanded coverage. Combined Total Program Numbers Total Insured Values All Programs Residential Program Number of Apartment & Condo Units Policy year ending March $52, , $50, , $52, , $43, , $31, , $28,442 $23,400 $20,931 $17,569 $16,609 $15, , , , , , ,667 Value (in millions) Policy year ending March 31 Apartment and Condo Units $0 $7,000 $14,000 $21,000 $28,000 $35,000 $42,000 $49, , , , , ,000 Total Insured Values Residential Programs Total Insured Values Custom & Industrial Programs Policy year ending March $40, $11, $38, $12, $39, $11, $33, $10, $22, $9, $20,005 $17,000 $15,836 $12,918 $11,915 $9, $8,437 $6,400 $5,095 $4,651 $4,694 $6,237 Value (in millions) Policy year ending March 31 Value (in millions) $0 $8,000 $16,000 $24,000 $32,000 $40,000 $0 $2,000 $4,000 $6,000 $8,000 $10,000 5
6 CIBA COMMERCIAL PROPERTY & LIABILITY PROGRAMS CIBA COMMERCIAL PROPERTY AND LIABILITY PROGRAMS INDUSTRIAL RESIDENTIAL CUSTOM (HPR) Warehouses Light Manufacturing Retail Strip Centers Apartments Homeowners Associations Condominiums (Condo Associations) Fire Resistive Shopping Centers Office Buildings High-Rise Condominiums Distribution Centers Mixed-Use Buildings Industrial Parks Planned Unit Developments Self Storage Office Buildings 6
7 CIBA COMMERCIAL PROPERTY PROGRAM COVERAGES TY CIBA COMMERCIAL PROPERTY PROGRAM COVERAGES BROAD BASIC PROPERTY COMPREHENSIVE PROPERTY GENERAL LIABILITY All Risk Excluding Earthquake and Flood Broad Basic Property Lessor s Risk Equipment Breakdown Loss of Rents Earthquake and Flood Pollution Liability including Lead, Asbestos and Formaldehyde Crime (Optional) Data Compromise CyberOne TM Network Security 7
8 CIBA PROGRAM COVERAGES & LIMITS PROGRAM COVERAGES PROPERTY All Risk Excluding Earthquake & Flood Asbestos Mold Equipment Breakdown LIABILITY Lessor s Risk Primary General Liability Pollution Liability (Including Lead, Asbestos & Formaldehyde) Hired & Non-Owned Auto -- Business OPTIONAL COVERAGES Earthquake & Flood ( to ) Residential, Industrial & Custom California Residential, Industrial & Custom Other States excluding CA, AK & HI Dedicated Excess General Liability First Layer Dedicated Excess General Liability Second Layer Dedicated Excess General Liability Third Layer Dedicated Excess General Liability Fourth Layer Dedicated Excess General Liability Fifth Layer Crime MARCH 31, 2014 TO MARCH 31, 2016 PROGRAM LIMITS $1,000,000,000 Per Occurrence, Automatic Reinstatement Up to $25,000 Per Occurrence $10,000 Per Occurrence $7,500,000 Per Occurrence (up to $50,000,000 available) $1,000,000 Per Occurrence / $2,000,000 Per Location General Aggregate $250,000 Per Occurrence / $2,000,000 Group Policy Aggregate Limit $1,000,000 Per Accident / Subject to $2,000,000 General Aggregate Up to $5,000,000 Per Location Limit / $100,000,000 Program Limit Up to $5,000,000 Per Location Sub-Limit / $100,000,000 Program Limit $5,000,000 Per Location Per Occurrence / Aggregate $5,000,000 Per Location Per Occurrence / Aggregate $15,000,000 Per Location Per Occurrence / Aggregate $25,000,000 Per Location Per Occurrence / Aggregate $25,000,000 Per Location Per Occurrence / Aggregate Up to $25,000 Per Location (Employee Dishonesty/$25,000 Per Occurrence for Money) $250,000 Group Policy Aggregate Limit 8
9 COMPARISON OF POLICY BENEFITS Between CIBA Program and ISO General Forms Residential Property & Other Coverages POLICY BENEFIT CIBA ISO Property Coverage Roadways, Walks, Patios, or Other Paved Surfaces Covered Excluded Retaining Walls that are not Part of a Building Covered Excluded Underground Pipes, Flues, or Drains Covered Excluded Foundations of Buildings & Structures Below Basement Covered Excluded Fences Included in Policy Limit; All Risk $1,000 Debris Removal 25% of loss up to $5,000,000 Limit 25% Loss Fire Fighting $100,000 Limit $1,000 Limit Pollutant Clean-up $100,000 Limit, Except Asbestos Removal $10,000 Limit Trees, Shrubs & Plants Up to $250,000 Limit $1,000 Limit Signs (other than Signs Attached to Buildings) Included in Policy Limit $1,000 Limit Increased Cost of Construction Up To $10,000,000 Limit $10,000 Limit Vacant Buildings 90 Days with Named Peril Limitation 60 Days with Named Peril Limitation Service Interruption $1,000,000 Including T&D (Within 5 Miles) Conditionally Excluded Extended Period of Indemnity Loss of Rents 180 Days 30 Days Mold/Fungus $10,000 Limit From Covered Peril $15,000 Limit for Covered Peril Collapse Covered Conditionally Excluded Equipment Breakdown $7,500,000 Conditionally Excluded Additional Coverages Included With Property Data Compromise Coverage (annual aggregate per account) $50,000 Not Included Cyber One tm Network Security Liability (annual aggregate per account) $50,000 Not Included Additional Coverages Included With Liability Pollution Remediation (Including Lead, Asbestos & Formaldehyde Liability) $250,000 Per Occurrence Limit; $2,000,000 Shared Program Aggregate Excluded Hired & Non Owned Auto - Business Use $1,000,000 Per Accident / Subject to General Aggregate Excluded Note: Individual CIBA Policy Holder Coverages May Vary 9
10 CIBA S EARTHQUAKE & FLOOD PROGRAM CIBA s Earthquake & Flood optional coverages began in 1994 and have developed into a stable program for owners and managers of commercial real estate and their lenders. The Program is structured into two separate coverage towers with the following shared per occurrence and aggregate limits: Residential, Industrial & Custom California $100,000,000 Residential, Industrial & Custom, Excluding California, Alaska & Hawaii $100,000,000 Total Insurable Values (TIV), and Earthquake sublimits are closely monitored by EQ zone. In California, we monitor TIV and sublimits in each Earthquake sub-zone. In other states, we monitor TIV and sublimits in each state. The current Primary Carriers include: Empire Indemnity Everest Indemnity QBE Specialty Princeton E&S Lloyds Syndicate (Hiscox #0033) Axis Surplus Colony Ironshore Specialty Alterra Excess & Surplus Lloyds Syndicate (Brit #2987) Homeland of New York Landmark American Aspen Specialty Great Lakes Reinsurance (UK) Plc Earthquake and Flood deductibles and sublimits are rated and established based on the Earthquake and Flood zone of the property. Earthquake and Flood coverage can be purchased with location sublimits or a primary account sublimit over multiple locations. Minimum deductibles per location apply. 10
11 ASSOCIATION BENEFITS Broad Property Coverages Packaged Underwriting Strong Membership Base: 4,000 Participants & 11,000 Locations Subrogation & Claims Adjusting Costs, Including Legal Defense Costs for Covered Litigated Claim Property Inspection & Loss Control Services Equipment Breakdown Inspections for Local Permits Online Broker and Insured Access to Specimen Policies, Legal Q&A & other Coverage Information Insurance Certificate Monitoring (ICM) Program Available Loss Prevention Bulletins & Seminars Premium Payment Plans for Accounts Greater than $25,000 Association Sponsored Commercial Real Estate & Insurance Related Legal Seminars 11
12 PROPERTY INSPECTION & LOSS CONTROL SERVICES Property Inspections - Inspections typically performed within 60 days of binding a location to verify - application information and property conditions An Inspection Report is prepared for underwriting and loss control files and provided to the Broker and Customer Loss Control - Reviews all underwriting reports for accuracy and completeness - Determines if loss control recommendations are warranted - Forwards a copy of the report with comments to insured s Broker - Follows up on any outstanding loss control recommendations within 90 days 12
13 CIBA MEMBER FEE SCHEDULE Association Fee Each new associate is assessed a one-time Association Fee of $125 upon the initial location bound for coverages. This fee allows for up to four locations to be included in the Program and covers the claims adjusting, legal defense and loss control costs. Each additional location will be assessed a one time $15 fee. Inspection Fee In order to ensure the accuracy of applications and to provide loss control recommendations, each location joining the Program is assessed an Inspection Fee. Each location is assessed an initial Inspection Fee of between $175 and $750, depending on the number of buildings included in the location. Initial Inspection Fees for accounts with multiple locations are discounted and quoted separately. Each location is subject to a Re-inspection Fee of $70 per year, charged at renewal for carrier mandated reinspections. Insurance Certificate Monitoring Fee (ICM) The Insurance Certificate Monitoring (ICM) Program is a valuable and cost effective way for Property Owners and Managers to control their insurance costs from potential subrogation in the event of a loss caused by a tenant, condominium unit owner or service provider. The Program provides verification of compliance with insurance requirements of leases, CC&R s and service agreements. ICM services are billed on a flat fee basis based on the number of insurance certificates and locations to be monitored. ICM fee credits are available based on tenant compliance upon renewal of the ICM services. The ICM services are also available for locations not currently in the CIBA Program. 13
14 CIBA PROGRAM CARRIER RATINGS AM BEST NO. INSURANCE COMPANY RATING FINANCIAL SIZE CATEGORY AM BEST NO. INSURANCE COMPANY RATING FINANCIAL SIZE CATEGORY Primary Carrier - CIBA Program 3/31/13-3/31/ Great Lakes Reinsurance (UK) PLC A+ XV Excess & Specialty Carriers - CIBA Program 3/31/13-3/31/ Alterra Excess & Surplus Co. A XV Arch Specialty Ins. Co. A+ IX Aspen Specialty Ins. Co. A XV Axis Surplus Ins. Co. A+ XV Colony Ins. Co. A XII Empire Indemnity Ins. Co. A+ XV Everest Indemnity Ins. Co. A+ XV Hiscox Ins. Co. A XII Homeland Ins. Co. of New York A XI Excess & Specialty Carriers - CIBA Program 3/31/13-3/31/ Lloyd s - Brit Syndicate 2987 A XV Lloyd s - ANV Syndicate 1861 A XV Maiden Specialty Ins. Co. A - XI Mitsui Sumitomo Ins. Co. Ltd. A+ XV Partner Reinsurance Co. A+ XV Princeton E&S Ins. Co. A+ XV QBE Specialty Ins. Co. A XV Steadfast Ins. Co. A+ XV Westchester Surplus A+ XV Indian Harbor Ins. Co. A XV International Ins. Co. of Hannover A+ XV Ironshore Specialty Ins. Co. A XIV Landmark American Ins. Co. A XIII Liberty Surplus Ins Corp. A XV Lloyd s Syndicate 33 (Hiscox) A XV Ratings as of April 1,
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