HomeMy WebLinkAboutTR-15-94 CORPORATION OF THE MUNICIPALITY OF CLARINGTON
REPORT
Meeting: GENERAL PURPOSE & ADMINISTRATION COMMITTEE i=iie# �6,C1 1
Date: April 18, 1994 Res. #C_Pp -a��
#
Report#: TR-15-94 File#: By-Law
Subject:
1994/95 Insurance Program - Co-operative Purchase
Recommendations:
It is respectfully recommended that the General Purpose and
Administration Committee recommend to Council the following:
1. That report TR-15-94 be received,
2 . That the authority be granted to enter into a co-operative
arrangement with the Region of Durham and the Regional Area
Municipalities to purchase insurance from Frank Cowan
Company for the Municipality for the 1994/95 premium year,
at an approximate cost of $216,000 .
3 . That any surplus resulting from the 1993/94 premium year
actual cost compared to the budget value be transferred to
the self-ensured losses reserve,
4. That the Fire Fighters' accident policy be adjusted to
remove full-time fire fighters from the Policy and include
only volunteer or part-time fire fighters.
5. That a commitment to continue to retain the Frank Cowan
Company for a further two years on a Regional co-operative
basis be agreed to in principle provided that the level of
service and premium renewal rates are not significantly
altered,
6 . That the Region of Durham (Mr. Peter Kennedy) and the
Municipality of Whitby (Mr. Al Claringbold) be notified of
Council's decision.
BACKGROUND:
1. 0 The Area Municipalities in conjunction with the Regional
Municipality of Durham, over the past year have been
. . .2
? 09
ihi5 S X0.1."QED P'FECYLED FFPCF
TR-15-94 Page 2
investigating the potential associated with bulk co-
operative purchasing, pooling of funds and reciprocal
insurance. The Region of Durham and the Town of Whitby have
acted as co-ordinators for the development of this proposal.
2 . 0 The Region engaged the Wyatt Company to investigate and
report and to advise the Region and the Area Municipalities
on the feasibility of entering more self-administered type
plans to provide the insurance requirements for the group as
a whole.
2. 1 Through this process, significant discussion took place and
the conclusion reached that the Region/Municipal Group
were not at a sufficient stage of development to be able to
efficiently or effectively administer the extreme move to a
fully self funded pooling arrangement as it would require
central co-ordination of all policies, additional expert
staffing, and significant administrative cost.
2 .2 As a result of the above, it was concluded that the first
step in the move to a more co-ordinated and independent
insurance policy management was to have the area
municipalities standardize dates of renewals, policy levels,
and deductible levels and have the Frank Cowan Company
prepare a submission for the 1994/95 premium years.
3.0 The Frank Cowan Company was presented with the comprehensive
package and responded with a proposal which results in a
savings for each of the Area Municipalities in premium cost
and additional effective savings which will be realized as a
result of the timing of the premium renewal. Bill 164 will
cause automobile insurance premiums to increase by 5% to 15
% in June 1994 and this proposal being recommended does not
reflect these potential increases therefore providing
additional effective savings. The net impact for the
Municipality of Clarington is approximately $1,678 on the
premium cost alone. Although the actual premium cost is
increasing by approximately $14,000 the cost associated with
the proposed upgrades to the policies are providing a net
advantage by charging less for the upgrades than would
otherwise be charged. These charges have been verified by
the Regional group. Attachment # 1 summarizes the proposal
submission for the Area Municipalities and the Region of
Durham.
3.1 The major changes to the existing premium levels are as
follows:
• Municipal liability - increase limit from $10 million to
$15 million. This limit also applies to automobile and
. . .3
TR-15-94 Page 3
errors and omissions policies as a result of increasing the
general liability limit.
• Environmental liability limit - increase from $1 million
to $2 million.
• Computer equipment - increase level of coverage from
$600,000 to $1 million.
• Boiler and machinery - increase deductible level from
$1,000 to $5,000. This deductible will now agree with the
environmental liability and general municipal liability
deductible.
4.0 The fire fighters' accident policy for the Municipality of
Clarington is the only one within the Region which covers
full-time fire fighters. Discussion with the Frank Cowan
Co. has led to the conclusion that the policy was originally
carried when the municipality had only part-time fire
fighters and when the full-time fire coverage was initiated
the policy was never altered to remove the names from the
list.
4. 1 The fire fighters' accident policy is designed to provide
coverage for injury or death during performance of fire
fighting duties. However, since the full-time employees are
also covered by the life insurance under the benefits
provided by the collective agreement, the fire fighters'
insurance policy is a duplicate policy and as such it is
recommended that the full time fire fighters be removed from
the policy statement. All fire fighters, part-time and
full-time, are also covered by Worker's Compensation at the
maximum level and therefore coverage provided for both
groups is considered to be appropriate. The removal of
full-time would also make Clarington's policy consistent
with those of the other area municipalities with part-time
forces (Whitby has 66, and Scugog has 55, part-time or
volunteers included in their policies) .
5.0 Providing that the current level of service from the Frank
Cowan Company remains on an individual basis and at the
present level, and that premium costs do not escalate
unreasonably, it is recommended that a commitment in
principle only, be undertaken to continue with the Frank
Cowan Co. as insurance providers for a further two year
term.
5. 1 This will allow the area municipalities time to assess the
market in light of the recent significant claims ie; the
City of LaSalle at an award of $8. million, and at the same
time develop a detailed and comprehensive package with which
to go to the open market, or look to internal pooling,
whichever presents itself as the appropriate direction for
the future.
. . .4
4
TR-15-94 Page 4
6.0 The premium renewal will be effective from July 1, 1994 to
June 30, 1995.
Respectively Submitted, Reviewed by,
F
M ri A. Marano, H.BSc. ,A.M.C.T. W.H. Stockwell,
T asurer Chief Administrative Officer
7112
ATTACHMENT
D U R H #1 - A: 1994 A M M U N I C I P A L G R O U P I N S U R A N C E C O V E R A G E S - C O W A N P R O P O S A L - 1 9 9 4
M U N I C I P A L I T Y
'POLICY 1AJAX BROCK 'CLARINGTON OSHAWA ,
i i 1,PICKERING ,SCUGOG UXBRIDGE 'WHITBY 'DURHAM
1CWNCILLORS ACCIDENT 1 100,000, 100,000 100,000 100,000
1 100,000 100,000 100,000 100,0001 Board 100,0001
'-Income total disability ' 1 � �
Income partial disability 1 500' 5001 500' 500, 5001 500, 5001 5001 Members 5001
1 1 250 2501 2501 250, 2501 2501 2501 2501 2501
1MUNICIPAL CONFLICT OF INTEREST1, 1 , ! ; , , , 1 Board 1
1,(10%DEDUCTIBLE) , 100,0001 100,0001 100,00011 100,0001 100,0001 100,0001 100,0001, 100,0001 Members 100,0001
,CRIME BOND , 1,000,0001 1,000,0001, 1,000,0001 1,000,0001 1,000,0001
,PROPERTY 1,000,000, 1,000,000, 1,000,0001 5,000,000,
, i , ,
, 56,216,700, 21,230,2001 52,914,185, 126,541,400, 85,536,8701 17,966,7001 21,341,3001 61,298,1001 261,6 9,200,
1, DEDUCTIBLE 10,0001, 1,000/10,0001, 500/10,0001 50,0001 500/10,0001 500/2,5001 500/2,5001 500/10,0001 100,0001,
,EDP 1 1,314,070, 111,000, 1,000,000, 4,310,0001 1,549,2201 314,792, 205,000, 1;194,500, 7,900,000,
1 DEDUCTIBLE 1
1,000, 1,0001 1,0001 5,000, 1,0001 1,0001 1,0001 1,0001 10,0001
,BOILER/MACHINERY ,
i
, 10,000,000, 10,000,000, 10,000,0001 10,000,0001 10,000,000, 10,000,0001 10,000,0001 10,000,000, 15,000,000,
DEDUCTIBLE 1 5,0001 1,0001 5,0001 50,0001 5,0001 1,0001 1,0001 10,0001 100,0001
1ENVIRONMENTAL LIABILITY 1 2,000,000` 2,000,0001 2,000,0001 N/A' 1,000,000' 2,000,000' 2,000,00
01 2,000,0001 Al N/
1 SELF INSURED RETENTION 1 5,000,, 2,5001 5,0001, , 5,000, 2,5001 2,5001 5,0001
1MUNICIPAL LIABILITY , 15,000,000, 15,000,000 15,000,000, 15,000,000, 15,000,0001 15,000,000, 15,000,0001 15,000,0001 25,000,0001
1, DEDUCTIBLE 1 5,0001, 100,000,
1 5,0001 01 5,0001, 5,0001 5,0001 01, 0 1
1,ERRORS & OMISSIONS , 15,000,000, 15,000,0001 15,000,0001 15,000,0001 15,000,000, 15,000,000, 15,000,000, 15,000,0001 15,000,0001
Wi DEDUCTIBLE 1, 2,5001 01 2,5001 5,0001 2,5001 0! 01 2,5001 10,0001
OWNED AUTO 1 , ' i 1 '
1 , 15,000,000; 15,000,000, 15,000,0001 15,000,000i 15,000,000; 15,000,0001 15,000,000, 15,000,000, 25,000,000,
DEDUCTIBLE 1 A.P. 5,000' A.P. 1,0001 A.P. 5,0001 A.P. 5,0001 A.P. 5,0001, A.P. 1,0001, A.P. 1,0001 A.P. 5,0001 A.P. 15,0001
T.P.L. 5,000, T.P.L. 01 T.P.L. 1,0001 T.P.L. 1,0001 T.P.L. 1,000, T.P.L. 0, T.P.L. 01 T.P.L. 5,000 T.P.L. 50,0001
I
NON OWNED AUTO-LIABILITY 1 15,000 1
,0001 15,000,0001 15,000,0001, 15,000,0001 15,000,000' 15,000,000, 15,000,000 15,000,000, 25,000 0001
NON-OWNED AUTO-PHYSICAL DAMAGEI 500,000, 250,000' 500,000, 500,0001 500,000, 250,0001 250,0001 500,0001 500,000,
1 DEDUCTIBLE 5001, 500` 5001 5001 5001 5001 5001, 500' 500'
1
'NON OWNED AIRCRAFT LIABILITY N/A1, N/A1 N/A1, 10,000,0001, N/Al N/Ai N/A1 N/A� 10,000,000,
1 ,
`1MUNICIPAL LEGAL EXPENSE ' 100,0001 100,0001, 100,000 100,000, 100,000, 100,000, 100,000, 100,000, 100,000,
(10% DEDUCTIBLE) 1 , +
!FIRE-FIGHTERS ACCIDENT i 100,0001 N/A1, 100,0001 100,000, 100,0001 100,0001 100,0001 100,000, Al
!TOTAL,TOTAL PREMIUMS (2) 1 235,5T61 -7,1
78,22 215,832, 495,855, (1) 254,5741 77,116, 83,5731 (1) 222,765 621,4301
1
(1) Includes Transit
(2) Retail Sales Tax not included
I
ATTACHMENT
#1 - B: 1993
D U R H A M M U N I C I P A L G R O U P I N S U R A N C E C O V E R A G E S A S O F D E C E M B E R` 1 9 9 3
j M U N I C I P A L I T Y
i i_
,POLICY ,AJAX jBROCK 1CLARINGTON iOSIIAWA 1PICKERING 1SCUGOG jUXBR1DGE ,WHITBY 1DURHAM 1
,COUNCILLORS ACCIDENT 1 100,000, 100,000, 100,0001 200,0001 100,0001 100,0001 100,000' 100,0001 Board 100,0001
,-Income total disability 1 5001 5001 500' 300' 500' 5001 500' 3001 Members 5001
Income partial disability , 2501 2501 2501 1501 250 250' 2501 1501 250'
'MUNICIPAL CONFLICT OF INTEREST' 1 1 1 1 1 1 1 1
Board
1(10%DEDUCTIBLE) 1 100,0001 100,000 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 Members 100,0001
i
,CRIME BOND 1 1,000,000, 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 5,000,0001
1
,PROPERTY 1 i j 1
1 56,216,1001 21,230,2001 53,052,830, 126,209,3001 85,536,8701 17,966,700, 20,817,3001 61,298,100, 261,619,200]
1 DEDUCTIBLE , 5,0001 500/1,000/10,0001 250/10,0001 500/50,0001 250/1,000/5,0001 500/2,5001 500/1,000! 100,0001
DP� I I I I 1 I
,E DEDUCTIBLE 1 1,314,070] 111,0001 600,0001 4,310,0001 1,549,2201 314,792,i N/A1 1,194,5001 7,900,0001
1 1 1,0001 1,0001 1,0001 5,0001 1,0001 2501 1 1,0001 10,0001
'
,BOILER/MACHINERY 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,000' 10,000,0001 10,000,0001 10,000,0001 15,000,0001
1 DEDUCTIBLE j 5,0001 1,0001 1,0001 50,0001 5,0001 1,0001 1,0001 10,0001 100,000'
' j j j j
1ENVIRONMENTAL LIABILITY 2,000,0001 2,000,0001 1,000,0001 N/A' 1,000,000' 1,000,000' 1,000,000' 2,000,0001 N/A,
1 SELF INSURED RETENTION 1 5,0001 1,0001 5,0001 1 5,0001 2,5001 2,5001 5,0001 j
,MUNICIPAL LIABILITY i 10,000,0001 15,000,0001 10,000,0001 10,000,000' 10,000,000' 15,000,0001 15,000,0001 10,000,0001 25,000,0001
1 DEDUCTIBLE i 5,0001 01 5,0001 5,0001 5,0001 01 01 5,0001 100,0001
,ERRORS & OMISSIONS 1 10,000,0001 15,000,0001 10,000,0001 10,000,000' 10,000,000' 15,000,0001 15,000,000, 10,000,000' 15,000,0001
DEDUCTIBLE , 5,0001 01 2,5001 5,0001 2,5001 01 01 2,5001 2,5001
,OWNED AUTO 1 10,000,0001 15,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,000, 15,000,000` 10,000,0001 25,000,0001
1 DEDUCTIBLE 1 A.P. 5,0001 A.P.-Fire 1,0001 A.P. 1,0001 A.P. 5,0001 A.P. 5,0001 A.P. 1,0001 A.P.-Fire 1,0001 A.P. 5,0001 A.P. 15,0001
1 000
,
T.P.L. 5,0001 A.P.-Others 5001 T.P.L. 01 T.P.L. 1 ' T.P.L. 1,0001 WATER TRUCK 25' A.P.-Others 5001 T.P.L. 5,0001 T.P.L. 50,0001
1 1 T.P.L. 01 1 1 T.P.L. 0' T.P.L. 0' 1
,'NON OWNED AUTO-LIABILITY 1 10,000,0001 15,000,0001 10,000,000' 10,000,0001 10,000,0001 15,000,0001 15,000,0001 10,000,000' 25,000,0001
NON-OWNED AUTO-PHYSICAL DAMAGE, 1,000,0001 250,0001 250,0001 250,0001 500,0001 250,0001 250,0001 500,0001 500,0001
1 DEDUCTIBLE 1 2501 5001 5001 5,0001 2501 5001 5001 2501 2501
' 1
iNON OWNED AIRCRAFT LIABILITY 1 N/A, N/A1 N/Aj 10,000,0001 N/A' N/A1 N/A1 N/A 10,000,0001
,MUNICIPAL LEGAL EXPENSE 1 100,0001 100,0001 100,0001 100,000 100,000 100,0061 100,000' 100,000' 100,000'
1(10%DEDUCTIBLE) 1 1 1
,FIRE-FIGHTERS ACCIDENT j N/A1 N/A1 100,0001 N/A1 N/Aj 100,0001 N/A1 100,0001 N/A'
j 1 1 1 1 1 1
,TOTAL PREMIUMS , * 232,217' 87,896, 204,5881 482,1581 ! 1 i * i j
j 1 1 (1) 249,3001 84,0981 90,0571 (1) 223,0011 625,1371
1
1
(1) Includes Transit
* JANUARY 1, 1994 PREMIUMS
Retail Sales Tax not included
1
I
ATTACHMENT
#1 - A: 1994
D U R H A M M U N I C I P A L G R 0 U P I N S U R A N C E C O V E R A G E S - C 0 W A N P R O P O S A L - 1 9 9 4
M U N I C I P A L I T Y I
i I 1
(POLICY (AJAX IBROCK ICLARINGTON IOSHAWA IPICKERING 1SCUGOG (UXBRIDGE ,WHITBY IDURHAN
I I I I I 1 I 1 1
(COUNCILLORS ACCIDENT 100,0001 100, 1 100,0001 100,000 100,0001 100,0001 100,0001 100,0001 Board 100,0001
1-Income total disability 1 000 1 5001 5001 5001 5001 5001 5001 5001 5001 Members 5001
I-Income partial disability i 2501 2501 2501 2501 2501 2501 2501 2501 2501
(MUNICIPAL CONFLICT OF INTEREST( i i i i i i I I Board 1
1(10% DEDUCTIBLE) i 100,0001 100,Q001 100,0001 100,0001 100,0001 100,0001 100,000! Members 100,0001
I 1 1 �
,CRIME BOND 1 1,000,0001 1,000,0001 1,000,000 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 5,000,0001
,PROPERTY 1 56,216,1001 21,230,2001 52,914,1851 126,541,4001 85,536,8701 17,966,7001 21,341,3001 61,298,1001 261,619,2001
1 DEDUCTIBLE 1 10,0001 1,000/10,0001 500/10,0001 50,0001 500/10,0001 500/2,5001 500/2,5001 500/10,0001 100,0001
,EDP 1 1,314,0701 111,0001 1,000,0001 4,310,0001 1,549,2201 314,7921 205,0001 1,194,5001 7,900,0001
1 DEDUCTIBLE 1 1,0001 1,0001 1,0001 5,0001 1,0001 1,0001 1,0001 1,0001 10,0001
1 i i
(BOILER/MACHINERY I 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,0001
1 DEDUCTIBLE 1 5,0001 1,0001 5,0001 50,0001 5,0001 1,0001 1,0001 10,0001 100,0001
(ENVIRONMENTAL LIABILITY I 2,000,0001 2,000,0001 2,000,0001 N/AI 1,000,0001 2,000,0001 2,000,0001 2,000,0001 N/AI
1 SELF-INSURED RETENTION 1 5,0001 2,5001 5,0001 I 5,0001 2,5001 2,5001 5,0001 i
,MUNICIPAL LIABILITY , 15,000,000! 15 000 0001 15 000 0001 15 000 0001 15 000 0001 15 000 0001 15 000 0001 15 000 0001 25,000,00011
1 1 1 r 1 i 1 r 1 i 1 , , 1
1 DEDUCTIBLE 1 5,0001 01 5,0001 5,0001 5,0001 01 01 5,0001 100,0001
I I
~=�JIERRORS & OMISSIONS I 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001
3. 1 DEDUCTIBLE 1 2,5001 01 2,5001 5,0001 2,5001 01 01 2,5001 10,0001
,OWNED AUTO , 15,000,0001 15,000,000, 15,000,0001 15,000,0001 15,000,0001 15,000,000, 15,0 00,000,15,000,0001 25 ,000,0001
1 DEDUCTIBLE I A.P. 5,0001 A.P. 1,0001 A.P. 5,0001 A.P. 5,0001 A.P. 5,0001 A.P. 1,0001 A.P. 1,0001 A.P. 5,0001 A.P. 15,0001
1 T.P.L. 5,0001 T.P.L. 01 T.P.L. 1,0001 T.P.L. 1,0001 T.P.L. 1,0001 T.P.L. 01 T.P.L. 01 T.P.L. 5,0001 T.P.L. 50,0001
I I 1 I I I I I
I I
,NON-OWNED AUTO-LIABILITY , 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 15,000,0001 25,000,0001
INON-OWNED AUTO-PHYSICAL DAMAGEI 500,0001 250,0001 500,0001 500,0001 500,0001 250,0001 250,0001 500,0001 500,0001
1 DEDUCTIBLE I 5001 5001 5001 5001 5001 5001 5001 5001 5001
I I I I I I
INON-OWNED AIRCRAFT LIABILITY I N/AI N/A1 N/A1 10,000,0001 N/A1 N/AI N/AI N/A1 10,000,0001
(MUNICIPAL LEGAL EXPENSE 1 100 0001 106-'-0-001 0001 100,0001 0001 100, I 0001 100, I 000' 100,000' 100 0001 100 0001
100 0001
1
1(10% DEDUCTIBLE) i ' i ' I ' 1
(FIRE-FIGHTERS ACCIDENT , 100,0001 N/AI 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 N/A,
1 i i i i I I 1
,TOTAL PREMIUMS (2) 1 235,5761 78,2271 215,8321 495,8551 (1) 254,5741 77,1161 83,5731 (1) 222,7651 621,4301
1 I I 1 I I I I I I 1
(1) Includes Transit
j (2) Retail Sales Tax not included
i
i
ATTACHMENT
#1 - B: 1993
D U R H A M M U N I C I P A L G R O U P I N S U R A N C E C O V E R A G E S A S O F D E C E M B E R 1 9 9 3
1 M U N I C I P A L I T Y
'POLICY 'AJAX IBROCK ICLARING�'OSHAWA 'PICKERING ISCUGOG 'UXBRIDGE 'WHITBY IDURHAM
1 I I I I I I I I I I
I I I I I I I I 1 I 1
I I I I I I. I I 1_ i 1
,COUNCILLORS ACCIDENT 1 100,0001 100,000i 200,000, 100,0001 100,0001 100,0001 100,0001 Board 100,0001
1-Income total disability , 5001 5001 5001 3001 5001 5001 5001 3001 Members 5001
,-Income partial disability 1 2501 2501 2501 1501 2501 2501 2501 1501 2501
I I I 1 1 I I I I I I
� I I 1 � I I I I- I I
(MUNICIPAL CONFLICT OF INTERESTI I I I I 1 I I 1 1
1(10% DEDUCTIBLE) 1 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 Members 100,0001
I I I I I I I I I- I I
,CRIME BOND 1 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 1,000,0001 5,000,0001
I I 1 I I I I I I I i
I I 1 I
1PROPERTY 1 56,216,1001 21,230,2001 1 53,052,8301 126,209,3001 85,536,8701 17,966,7001 20,817,3001 61,298,1001 261,619,2001 i
1 DEDUCTIBLE 1 5,0001 500/1,000/10,000! 500/50,0001 250/1,000/5,0001 500/2,5001 500/1,0001 250/10,0001 100,0001
1 I 1 1 I I I I I I
,EDP 1 1,314,0701 111,0001 1 600,0001 4,310,0001 1,549,2201 314,7921 N/A, 1,194,5001 7,900,0001
1 DEDUCTIBLE , 1,0001 1,000i 5,0001 1,0001 2501 1 1,0001 10,0001
I I I I I 1 1 1 I I I
1BOILER/MACHINERY 1 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,0001 I
1 DEDUCTIBLE 1 5,0001 1,0001 1,0001 50,0001 5,0001 1,0001 1,0001 10,0001 100,0001
I 1 I I 1 1 1 1 I I I
I 1 I I I 1 1 1 I- I
1ENVIRONMENTAL LIABILITY , 2,000,0001 2,000,0001 1,000,0001 N/A1 1,000,0001 1,000,0001 1,000,0001 2,000,0001 1 N/A1
1 SELF-INSURED RETENTION , 5,0001 1,0001 5,0001 , 5,0001 2,5001 2,5001 5,0001 i
1 I 1 I I I I 1 1� I I
,MUNICIPAL LIABILITY , 10,000,0001 15,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,0001 15,000,0001 10,000,0001 25,000,0001
1 DEDUCTIBLE 1 5,0001 01 5,0001 5,0001 5,0001 01 01 5,0001 100,0001
I I I I I I I 1 I I I
-d ,ERRORS & OMISSIONS 1 10,000,0001 15,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,0001 15,000,0001 10,000,0001 15,000,0001
, DEDUCTIBLE , 5,0001 01 2,5001 5,0001 2,5001 01 01 2,5001 2,5001
,OWNED AUTO 1 10�000 r 1 0001 15�000�0001 1 10�000� I 0001 10 000�0001 10 i � I 000 0001 15�000�0001 15,000,0051 1 0001 10 r 000 i 0001
25 r 000 i 0001
4_-
,OWNED I I � 1 I
1 DEDUCTIBLE 1 A.P. 5,0001 A.P.-Fire 1,0001 A.P. 1,0001 A.P. 5,0001 A.P. 5,0001 A.P. 1,0001 A.P.-Fire 1,0001 A.P. 5,0001 A.P. 15,0001
T.P.L. 5,0001 A.P.-Others 5001 T.P.L. 01 T.P.L. 1,0001 T.P.L. 1,0001 WATER TRUCK 251 A.P.-Others 5001 T.P.L. 5,0001 T.P.L. 50,0001
T.P.L. 01 i i i T.P.L. 01 T.P.L. O
I I I I
,NON-OWNED AUTO-LIABILITY , 10,000,0001 15,000,0001 10,000,0001 10,000,0001 10,000,0001 15,000,0001 15,000,0001 10,000,0001 25,000,0001
1NON-OWNED AUTO-PHYSICAL DAMAGE1 1,000,0001 250,0001 250,0001 250,0001 500,0001 250,0001 250,0001 500,0001 500,0001
1 DEDUCTIBLE 1 2501 5001 5001 5,0001 2501 5001 5001 2501 2501
1 I
,NON OWNED AIRCRAFT LIABILITY 1 N/A1 N/A1 N/A1 10,000,0001 N/A1 N/A,I N/A1 N/A1 10,000,000,
,MUNICIPAL LEGAL EXPENSE 1 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001 100,0001
'(10% DEDUCTIBLE)
�
,FIRE FIGHTERS ACCIDENT 1 N/A, N/A1 100,0001 N/A1 N/A1 100,000, N/A1 100,00611 N/A1
1 I 1
,TOTAL PREMIUMS 1 * 232,2171 87,8961 204,5881 482,1581 (1) 249,3001 84,0981 90,0571 (1) * 223,0011 625,1371
(1) Includes Transit
* JANUARY 1, 1994 PREMIUMS
Retail Sales Tax not included