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HomeMy WebLinkAboutC87-156 Binder to Gallagher ACORD insuranceTHIS IS TO CERTIFY THAT POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS, AND CONDI- TIONS OF SUCH POLICIES. CO TYPE OF INSURANCE POLICY NUMBER $ SSUE DATE (MMlDD/YY) ' • LIABILITY LIMITS IN THOUSANDS %�-C��jjr� PRODUCER THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, Arthur J . GaI lac he -r" ht Co.EXTEND _. DATE (61M'DDhYY) OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. P.O. Fla>; .4&=R Deriver, CO W, ;'4 CLAD-; COMPANIES AFFORDING COVERAGE COMPREHENSIVE FORM I' _:' ryrt I `(J 2 'i et-wr.i "erS a {:IRI jj j'� COMPANY LETTER A Other British Iri=t.lr"sir"r!`i= CTF:�i COMPANY B PREMISES/OPERATIONS INSURED LETTER PROPERTY I-artfCRr'iJ Fixe Inst_Ir-ance: Co. COMPANY Cr y UNDERGROUND Color -ado Counties CasLlalty & Property F' InternaticJnal Surplus Lines lnsur%_I-ICF? CC �. (Per The Atta $ --d) COMPANY D 11.777 Grant Street LETTER Den Y'er q CD G202DF PRODUCTS/COMPLETED OPERATIONS COMPANY E CONTRACTUAL LETTER B' a PD COMBINED THIS IS TO CERTIFY THAT POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS, AND CONDI- TIONS OF SUCH POLICIES. CO TYPE OF INSURANCE POLICY NUMBER POLICY EFFECTVE POI ICY EXPIRATIOt, LIABILITY LIMITS IN THOUSANDS %�-C��jjr� -�fAf'iuFi�GA1'E,t LTR DATE IMMDDYY; DATE (61M'DDhYY) GENERAL LIABILITY BODILY CLAD-; COMPREHENSIVE FORM I' _:' ryrt I `(J 2 (-) {;;1j 18 {:IRI jj j'� INJURE' s $ PREMISES/OPERATIONS PROPERTY 0�'ril y UNDERGROUND DAMAGE $ FOR!"! $ EXPLOSION & COLLAPSE HAZARD X PRODUCTS/COMPLETED OPERATIONS k. CONTRACTUAL B' a PD COMBINED $ 4i;;+ `! a $ X INDEPENDENT CONTRACTORS4 .X. BROAD FORM PROPERTY DAMAGE X PERSONAL INJURY PERSONAL INJURY $ .LfiC_l X Law SEvz Att.acl-l�d (-adde—ida or rod:diticl-r l Infor"nIE-tti n AUTOMOBILE LIABILITY =` X ANY AUTO I��!�i !' I1��7`r�rrr; I t.3'I{,�/sir CI %(_+j.i�tI jai:}p ', $ CLAIMS -MADE ALL OWNED AUTOS (PRIV. PDSS) ALL OWNED AUTOS OTHER THAN\ PRIV. PASS I HIRED AUTOS PROPERTY NON -OWNED AUTOS DAMAGE $ GARAGE LIABILITY 8 & PD C310B,NED $ {-°^Il..l'i Claim EXCESS LIABILITY +_.. UMBRELLA FORM Lill'aIJE C,7 /C,'1!'E3'. C,:'/C,1/ � $ Refer � X OTHER THAN UMBRELLA FORM COMB NED A t tac if -xi STATUTORY WORKERS' COMPENSATION $ (EACH ACCIDE1,Tl AND O.ICY LJMIT $ (DISEASE -P ; EMPLOYERS' LIABILITY $ (DISEASE -EACH EMPLOYEE)) OTHER I" cs Excs Property 83XLSSD2b17 (=,7/(:,1,+87 07/01/88 Refer- to Alddc-i dr 1=`F,i]FO;TY ISL 27% / IM5498 Attach DESCRIPI ION OF OPEFRATIONS/LOCATIONS/VEHICLES/SPECIAL ITEMS Eagle C.:TLU ity; SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EX- PIRATI" DATE THEREOF, THE ISSUING COMPANY WILL ENDEAVOR TO - • r`^d.l MAIL 1 DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE Ira :41 E 4 c'1 t>w 7. LEFT, BUT FAILURE TO MAIL SUCH NOTICE SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE COMPANY, ITS AGENTS OR REPRESENTATIVES. =AUTHORIZED REPRESENTATIVE ,per% C87-156-04 BINDER ENDORSEMENT #1 For attachment to and forming a part of Arthur J. Gallagher & Co. ACORD Form 755 Insurance Binder #870707 effective July 1, 1987 COMPANY: Underwriters as Lloyds, London and other British Insurance Companies INSURED: Colorado Counties Casualty be Property Pool In regards to Third Party Liaiblity, Automobile Liability it is hereby agreed the retro -active dates for the following counties are: Weld County January 15, 1986 Cheyenne County February 16, 1987 Lake County April 1, 1987 Fremont County July 1, 1987 Grand County July 1, 1987 Montrose County July 1, 1987 All other terms and conditions to remain the same. July 1, 1987 DATE AUTHORIZED REPRESENTATIVE COLORADO COUNTIES CASUALTY & PROPERTY POOL LONDON PACKAGE NAME OF ASSURED The unqualified word assured wherever used in this insurance includes not only the named insured, but also: Colorado Counties Casualty and Property Pool (CAPP) including it's Board of Directors, Officers, Employees, Agents, and all participating Counties as members thereof including their elected and appointed Officials, Trustees, Directors, Officers, Employees, and Volunteers, individually and collectively, while acting within the scope of their duties as such and any Person, Organization, Trustee or Estate to whom the Named Assured is obligated by virtue of written contract or agreement to provide insurance such as is offered by this insurance but only in respect to operations by or on behalf of the Named Assured. SECTION II Agreement E, any Person while using an owned automobile or a hired automobile and any Person or Organization legally responsible for the use thereof, provided the actual use of the automobile is by the Named Assured or with his permission and any Official of the Named Assured with respect to the use of non -owned automobile in the business of the Named Assured. This insurance with respect to any Person or Organization other than the Named Assured does not apply; A. To any Person or Organization, or any Agent or Employee thereof, operating an automobile sales agency, repair shop, service station, storage garage, or public parking place, with respect to any accident arising out of the operation thereof; B. To an Employee with respect to injury to or sickness, disease or death of another Employee of the same Employer injured in the course of such employment in an accident arising out of the maintenance or use of the automobile in the business of such Employer; C. With respect to any hired automobile, to the Owner or a Lessee thereof, other than the Named Assured, nor to any Agent or Employee of such Owner or Lessee; COLORADO COUNTIES CASUALTY be PROPERTY POOL LONDON PACKAGE (Continued) D. With respect to any non -owned automobile, except as excess only over any valid and collectible primary insurance of any Employee or Official if such automobile is owned by him/her or a member of his/her household. The inclusion hereunder of more than one Insured shall not operate to increase the Company's limits of liability. DEFINITIONS AND PROVISIONS LONDON PACKAGE The London Package has certain Definitions and Provisions which need to be outlined due to Claims -Made Program. 1. Retro -Active Date - is the "inception of claims made form". This provision establishes no claims for injury or damage that occurred before the retro -active date will be covered by the policy. 2. Claim - any information which you become aware of and you must provide written notice to Gallagher Bassett Insurance Service. 3. Accident - an event which occurs on or after the retro -active date which results in personal injuries and/or property damage. 4. Excess Loss Fund Protection - The limit purchased above the Loss Fund (Annual Aggregate) that will be used to pay the individual self-insured retention ($150,000) should the Loss Fund be exhausted. If this limit is exhausted client is subject to payment of the self-insured retention established in the initial program. 5. Extended Reporting Period - also known as a "tail", a period of time which extends the General Liability, Automobile Liability, Employee Benefits Liability and Errors & Omissions "claims -made" policies coverage to claims first made after the policy period for injury or damage that occurred before termination of the policy (but not before the retro -active date). This extended reporting period is activated when the policy is cancelled, non -renewed or the retro -active date is changed. The London Package has an automatic "mini -tail". This provides coverage for claims reported within the first sixty (60) days after expiration which occurred during the previous policy term. An "Extended Claims -Made Reporting Period" may be purchased for a maximum charge of 100% of London Package Premium. The reporting period will be for 24 months (2 years). The Loss Fund is reinstated as well as all limits. This covers claims made after sixty (60) day reporting provision that happened during the policy period. C�j LONDON PACKAGE LONDON PACKAGE POLICY LIMITS, COVERAGES, RETENTIONS Property: (Includes EDP, Inland Marine, Auto Physical Damage) *General Liability: $ 500,000 Each Occurrence "All Risk" Basis with Sublimits of $500,000 Each Occurrence/ Aggregate Applying Separately to Flood and Earthquake Personal Injury/Property Damage: $ 400,000 Each Claim Premises Medical Payments: $ 5,000 Each Person/ $ 100,000 Per Loss *Automobile Liability: Personal Injury/Property Damage: $ 400,000 Each Clain Auto Medical Payments: $ 5,000 Each Person/ $ 100,000 Each Loss *Errors & Omissions: $ 400,000 Each Claim $ 1,000,000 In the Aggregate Annually Crime Coverages: Monies & Securities (Inside): $ 150,000 Each Loss Monies & Securities (Outside): $ 150,000 Each Loss Employee Fidelity: $ 150,000 Each Loss *Claims Made Coverage Form, Retro -Active Date - duly 1, 1986 for all Counties except: Weld County 01-15-86 Cheyenne County 02-16-87 Lake County 04-01-87 Fremont County 07-01-87 Grand County 07-01-87 Montrose County 07-01-87 LONDON PACKAGE POLICY LIMITS, COVERAGES, RETENTIONS (Continued) Retentions: Specific: Property $ 150,000 Each Loss 3rd Party Liability $ 150,000 Each Claim Crime $ 150,000 Each Loss Combined Retention $ 150,000 Each Loss Aggregate (Loss Fund) $ 2,550,000 Annually Maintenance Deductible: $ 500 Applying only to Property, Auto Physical Damage & Crime Losses. Each individual County will be responsible for it's losses within the maintenance deductible Note: Limits are inclusive of the Assured's Retention. 1. 2. 3. 4. 5. COVERAGES PROVIDED Property Including: C', A. Buildings B. Contents C. Contractors' Equipment & Miscellaneous Property Floaters D. Fine Arts E. Glass - (Includes Stained Glass and Vandalism) F. Valuable Papers G. Electronic Data Processing Equipment H. EDP Extra Expense I. Extra Expense J. Owners Interest in New Construction K. Miscellaneous Unnamed Locations - $500,000 General Liability Including but not Limited to (Claims -Made Form): A. Premises B. Products Liability/Completed Operations C. Blanket Contractual D. Personal Injury E. Law Enforcement Professional Liability F. Worldwide Coverage G. Liquor Legal Liability H. Care, Custody and Control I. Teachers Professional Liability J. Punitive Damages (silent in form) K. Cemetery Liability L. Broadcasters, Publishers and Advertisers Liability M. Medical Payments (Premises) N. Watercraft (Limited to Boats under 26 Feet) O. Employee Benefit Liability P. Non -Owned Aircraft and Watercraft Q. Incidental Medical Malpractice Errors & Omissions (Claims Made Form): A. Elected and Appointed Officials B. Employees and Volunteers as Named Insureds Crime Coverages Including: A. Employee Dishonesty Coverage - $150,000 Each Loss B. Monies & Securities - $150,000 Each Loss Auto Liability Including (This is a Claims Made Form): A. Personal Injury Protection (Statutory Benefits) B. Medical Payments C. Owned and Non -Owned 6. Automobile Physical Damage C ; EXTENSION OF PROPERTY COVERAGE BEYOND NORMAL COVERAGES On the building coverages the Protected Self Insurance Plan includes all the normal coverages of fire, lightning, windstorm, hail, explosion, riot and riot attending a strike, civil commotion, aviation damage, smoke damage, vehicle damage and vandalism. In addition the following broadening of property coverage is included: 1) Losses on 100% Replacement Cost Basis without depreciation. (ACV if the building is not replaced within two years.) 2) "All Risk" to include flood and earthquake coverage (with a $500,000 annual aggregate applying separately to each). 3) "All Risk" to include water damage from rising water, backing -up of sewers, and wind driven rain and damage by surface water, waves, tidal wave, or spray from any of the foregoing. 4) Collapse of buildings or parts thereof extended to all risk of loss except normal settling, normal shrinkage, or normal expansion in foundations, walls, floors, or ceilings. 5) Automatic protection for newly acquired properties including contents and owned builder's risk up to $500,000. 6) No Coinsurance Clause or requirement. 7) No calculations of individual location rates. 8) Replacement to extend to any additional cost for rebuilding or repairing to meet ordinance requirements. 9) Cost of demolishing portions of building which are required to be removed because of damage by an insured hazard. EXTENSION OF PROPERTY COVERAGE BEYOND NORMAL COVERAGES (Continued) 10) Loss by freezing whether buildings are occupied or vacant. 11) Loss to statuary, marble, glass, fences, structures whether on or off the premises. 12) Loss by animals or birds. 13) Comprehensive automobile coverage and collision coverage automatic whether declared or not. 14) Robbery, Burglary and Theft of all property, including money and securities. 16) Care, Custody and Control Coverage. 17) Property in transit wherever located. EXTENSIONS OF LIABILITY COVERAGE All of the usual Comprehensive General and Automobile Liability coverages are included. In addition the following broader protection is provided. 1) Personal Injury - Bodily Injury, Mental Injury, Mental Anquish, Shock, Sickness, Disease, Disability, False Arrest, False Imprisonment, False Eviction, Detention, Wrongful Eviction, Malicious Prosecution, Discrimination, Invasion of Right of Privacy, Libel, Slander or Humiliation, Defamation of Character, Disparagement of Property, Piracy and any Infringment of Copyright or of Property, Erroneous Service of Civil Papers, Violation of Civil Rights, and Assault and Battery. 2) Insurance includes Blanket Contractual Liability includes all written contracts. 3) Insurance will cover any owned automobiles or buses automatically on acquisition. 4) Insurance will cover any special event sponsored by the County. 5) Broad form named insured includes all employees and volunteers while acting within the scope of their duties as such. 6) Advertisers' Liability. 7) Law Enforcement Professional Liability. S) EMT's and Paramedics Professional Liability. 9) Public Officials Liability. 10) Premises Liability (Owners, Landlord or Tenant) for Airports (not actual airport operations). COVERAGES - EXCLUDED 1. Personally Owned Automobiles 2. Property Losses of a Degenerative Nature - (Wear and Tear, Deterioriation) 3. War Risk and Nuclear Damage 4. Sexual Misconduct 5. The first $500 of each Property, Auto Physical Damage and Crime loss 6. Medical Malpractice Insurance other than Incidental Medical 7. Pollution (Including Sudden and Accidental) and Asbestos 8. Employees and Trustees Accidental Death and Dismemberment 9. Workers' Compensation 10. Athletic Participation for Schools 11. Personal Surety Bonds Required by Law 12. Pension and Welfare Fiduciary Responsibility Insurance 13. Foreign Exposures 14. Failure to provide Utilities 15. Eminent Domain do Inverse Condemnation 16. Time element coverages other than extra expense 17. Boiler & Machinery 18. Aircraft 19. Hospital Malpractice and Clinic Malpractice EXCESS PROPERTY Limits: $ 50,000,000 Per Occurrence Excess of $500,000 Per Occurrence Property Covered: Buildings, Contents, EDP Equipment, EDP Media, EDP Extra Expense, Mobile Equipment, Extra Expense, Automobile Physical Damage Terms/Conditions• "All Risk" Subject to Company Conditions/ Limitations/Exclusions Replacement Cost Endorsement Automatic Acquisition Clause up to $1,000,000 Exclusions• Flood & Earthquake Builders Risk COLORADO COUNTIES CASUALTY do PROPERTY POOL ENDORSEMENT #1 NAME OF ASSURED The unqualified word assured wherever used in the excess insurance policies includes not only the named insured, but also: Colorado Counties Casualty and Property Pool (CAPP) including it's Board of Directors, Officers, Employees, Agents, and all participating Counties as members thereof including their elected and appointed Officials, Trustees, Directors, Officers, Employees, and Volunteers, individually and collectively, while acting within the scope of their duties as such and any Person, Organization, Trustee or Estate to whom the Named Assured is obligated by virtue of written contract or agreement to provide insurance such as is offered by this insurance but only in respect to operations by or on behalf of the Named Assured. EXCESS CASUALTY Limits of Liability: $ 600,000 Excess of $ 400,000 Each Claim Terms/Conditions: Covers Federal be Out of State Suits Only Colorado Governmental Immunity Act Endorsement Follow Form Personal Injury Exclusions: Absolute Pollution & Seepage Absolute Asbestos ERISA Workers' Compensation/Employers' Liability/ Occupational Disease Inverse Condemnation Errors be Omissions Hospital/Clinic Malpractice Aircraft Liability NOTICE OF CLAIM NOTICE OF CLAIM MUST BE MADE IN WRITING AND RECEIVED BY GALLAGHER BASSETT OR THE COMPANY DURING THE POLICY PERIOD. THE COMPANY AT ITS OWN OPTION MAY, BUT IS NOT REQUIRED TO PARTICIPATE IN THE INVESTIGATION, SETTLEMENT OR DEFENSE OF ANY CLAIM OR SUIT AGAINST THE INSURED. COLORADO GOVERNMENTAL IMMUNITY ACT ENDORSEMENT EXCESS LIABILITY IT IS HEREBY UNDERSTOOD AND AGREED THAT EXCEPT FOR DEFENSE AND SUPPLEMENTARY PAYMENTS AS DEFINED IN THIS POLICY, COVERAGE SHALL NOT APPLY TO CLAIMS OR ACTIONS FOR WHICH IMMUNITY IS AVAILABLE UNDER THE COLORADO GOVERNMENTAL IMMUNITY ACT OR TO CLAIMS OR ACTIONS FOR WHICH IMMUNITY IS WAIVED UNDER THE COLORADO GOVERNMENTAL IMMUNITY ACT ARTICLE 10 OF TITLE 24 COLORADO REVISED STATUTES AS AMENDED FROM TIME TO TIME. C" NAMED INSURED The unqualified word insured wherever used in the excess insurance policies includes not only the named insured, but also; COLORADO COUNTIES CASUALTY AND PROPERTY POOL(CAPP) INCLUDING ITS BOARD OF DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND ALL PARTICIPATING COUNTIES AS MEMBERS, THEREOF, INCLUDING THEIR ELECTED AND APPOINTED OFFICIALS, TRUSTEES, DIRECTORS, OFFICERS, EMPLOYEES, AND VOLUNTEERS, INDIVIDUALLY AND COLLECTIVELY, WHILE ACTING WITHIN THE SCOPE OF THEIR DUTIES AS THE NAMED INSURED IS OBLIGATED BY VIRTUE OF WRITTEN CONTRACT OR AGREEMENT TO PROVIDE INSURANCE SUCH AS IS OFFERED BY THIS INSURANCE BUT ONLY IN RESPECT TO OPERATIONS BY OR ON BEHALF OF THE NAMED INSURED. IT IS HEREBY UNDERSTOOD AND AGREED THAT THIS POLICY DOES NOT APPLY TO ANY CLAIMS OCCURRING PRIOR TO THE RETRO -ACTIVE DATE OF 07/01/86, FOR ALL COUNTIES EXCEPT WELD COUNTY, CHEYENNE COUNTY, LAKE COUNTY, FREMONT COUNTY, GRAND COUNTY AND MONTROSE COUNTY. RETRO -ACTIVE DATES FOR THESE COUNTIES ARE AS FOLLOWS: WELD COUNTY 01/15/86 CHEYENNE COUNTY 02/16/87 LAKE COUNTY 04/01/87 FREMONT COUNTY 07/01/87 GRAND COUNTY 07/01/87 MONTROSE COUNTY 07/01/87. 13 13 IT IS HEREBY UNDERSTOOD AND AGREED THAT THIS POLICY DOES NOT APPLY TO ANY CLAIMS OCCURRING PRIOR TO THE RETRO -ACTIVE DATE OF JANUARY 15, 1986. AS RESPECTS EXCESS CONTINGENT/FEDERAL LIABILITY FOR THE COUNTY OF WELD. THE LIMIT OF LIABILITY APPLICABLE FOR THE PERIOD 01/15/86 TO 07/01/86 IS $500,000 EACH OCCURRENCE AND IN THE AGGREGATE (WHERE APPLICABLE) EXCESS OF $250,000 EACH OCCURRENCE.