Total Insurable Value (TIV) $132,881,253 $132,585,000
Average Property Rate Per $100 TIV $ 0.0802 $ 0.0830
Total Square Footage656,212 656,212
Average GL Rate Per 1,000 Sq. Ft. $ 30.36 $ 31.47
DIC Exposure & Rate Comparison
Total Insurable Value (TIV) $ 61,472,000 $ 61,575,000
Average DIC Rate Per $100 TIV $ 0.1964 $ 0.2014
Premium ComparisonCoverage Expiring
Property $ 106,527.00 $ 109,990.00
General Liability $ 19,921.00 $ 20,648.00
Automobile $ 551.00 $ 551.00
Crime Premium $ 1,238.00 $ 1,238.00
Total for Package $ 128,237.00 $ 132,427.00
$9M Umbrella Liability $ 11,025.00 $ 11,442.00
Total for Umbrella $ 11,025.00 $ 11,442.00
$5M DIC $ 120,750.00 $ 124,000.00
Total for DIC $ 120,750.00 $ 124,000.00
Grand Total $ 260,012.00 $ 267,869.00
Expiring Renewal
Expiring Renewal
Renewal
% Change
-0.22% Sum of Property value from SOV
3.48% Premium/TIV*100
0.00% Sum of Square Footage value from SOV
3.65% GL Premium/Sq.Footage*1000
% Change
0.17%
2.52%
% Change
3.27%
3.78%
2.69%
3.02%
Client NameProperty Specifications
Expiring Program Renewal Option #1 Renewal Option #2Insurer (INSERT) (INSERT) (INSERT)Policy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached ScheduleTotal Insurable Values Per Attached Schedule Per Attached Schedule Per Attached Schedule
Buildings and Business Personal Property $500,000,000 $500,000,000 $500,000,000 Business Income - Including Rental Income and Extra Expense $500,000 $500,000 $500,000 Earth movement - California $250,000,000 $250,000,000 $250,000,000 Earthmovement - New Madrid $10,000,000 $10,000,000 $10,000,000 Earthmovement - All Other States $10,000,000 $10,000,000 $10,000,000 Earthquake Sprinkler Leakage (EQSL) - Per Occurrence/Aggregate Included Included IncludedFlood - Zones A & V $10,000,000 $10,000,000 $10,000,000 Flood - All Other Locations $50,000,000 $50,000,000 $50,000,000 Wind $50,000,000 $50,000,000 $50,000,000
ValuationProperty Replacement Cost Replacement Cost Replacement CostBusiness Income Actual Loss Sustained Actual Loss Sustained Actual Loss SustainedCoinsurance N/A N/A N/A
DeductiblesProperty Damage $10,000 $10,000 $10,000Time Element 24 Hours 24 Hours 24 HoursEarthquake Sprinkler Leakage $50,000 $50,000 $50,000Expediting ExpenseFine Arts, Transit and Personal Property $1,000 $1,000 $1,000Fire Department Service Charge Earthmovement - California 5%/$100,000 Minimum 5%/$100,000 Minimum 5%/$100,000 MinimumEarthmovement - New Madrid 2%/$100,000 Minimum 2%/$100,000 Minimum 2%/$100,000 MinimumEarthmovement - All Other States $100,000 $100,000 $100,000Flood - High Hazard $100,000 $100,000 $100,000Flood - All Other Locations $50,000 $50,000 $50,000Named Wind Storm 2%/$100,000 Minimum 2%/$100,000 Minimum 2%/$100,000 MinimumMachinery Breakdown $10,000 $10,000 $10,000
Accounts Receivable $5,000,000 $5,000,000 $5,000,000Arson Reward $25,000 $25,000 $25,000Building Ordinance - Demolition $10,000,000 $10,000,000 $10,000,000Building Ordinance - Increased Cost of Construction $10,000,000 $10,000,000 $10,000,000Building Ordinance - Loss to Undamaged Portion Included Included IncludedClaims Preparation Expenses $500,000 $500,000 $500,000Computer Virus - Denial or Access $25,000 $25,000 $25,000Course of Construction $10,000,000 $10,000,000 $10,000,000
Blanket Loss Limits - Per Occurrence Unless Otherwise Indicated
Debris Removal $10,000,000 $10,000,000 $10,000,000Deferred Payments $100,000 $100,000 $100,000Electronic Data Processing Equipment - Hardware $1,000,000 $1,000,000 $1,000,000Electronic Data Processing Equipment - Software $1,000,000 $1,000,000 $1,000,000Errors & Omissions $5,000,000 $5,000,000 $5,000,000Extended Period of Indemnity 365 Days 365 Days 365 DaysFine Arts $500,000 $500,000 $500,000Fungus Clean Up Expense $250,000 $250,000 $250,000Leasehold Interest $1,000,000 $1,000,000 $1,000,000Lock and Key Replacement $25,000 $25,000 $25,000Newly Acquired Locations $10,000,000 for 180 Days $10,000,000 for 180 Days $10,000,000 for 180 DaysOff Premises Service Interruption $1,000,000 $1,000,000 $1,000,000Plant, Trees or Shrubs $1,000,000 $1,000,000 $1,000,000Pollution Clean Up & Removal $100,000 $100,000 $100,000Professional Fees $100,000 $100,000 $100,000Terrorism - Per Occurrence/Aggregate Included Included IncludedTransit $1,000,000 $1,000,000 $1,000,000Unnamed Locations $1,000,000 $1,000,000 $1,000,000Valuable Papers $1,000,000 $1,000,000 $1,000,000
Additional Covered PropertyRoadways, walks, Patios, or other paved surfaces. Covered Covered CoveredFoundations of Buildings, structures, piers Covered Covered CoveredUnderground pipes, flues or drains Covered Covered CoveredRetaining walls that are not part of building Covered Covered CoveredBack Up of Sewers Covered Covered Covered
Time Element CoveragesCivil Authority 30 Days 30 Days 30 DaysContingent Business Income $2,500,000 $2,500,000 $2,500,000 Ingress/Egress 60 Days 60 Days 60 DaysOrdinary Payroll - Included / Excluded 365 Day Period 365 Day Period 365 Day PeriodPeriod of Indemnity Unlimited Unlimited UnlimitedExtended Period of Indemnity 365 Days 365 Days 365 Days
Boiler & MachineryProperty Damage Included Included IncludedExpediting Expenses $500,000 $500,000 $500,000 Hazardous Substances $500,000 $500,000 $500,000 Perishable Goods $500,000 $500,000 $500,000 Water Damage $500,000 $500,000 $500,000 Any other Substance $500,000 $500,000 $500,000
Key Coverage Extensions/ConditionsBlanket Mortgagee/Loss Payee Included Included IncludedTerrorism/TRIA Included Included IncludedRemoval of Any Vacancy Restrictions Included Included Included
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Client NameDifference in Conditions Specifications
Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached ScheduleTotal Insurable Values Per Attached Schedule Per Attached Schedule Per Attached Schedule
ValuationProperty Replacement Cost Replacement Cost Replacement CostBusiness Income Actual Loss Sustained Actual Loss Sustained Actual Loss SustainedCoinsurance N/A N/A N/A
DeductiblesAll Other Perils $25,000 $25,000 $25,000Time Element 24 Hours 24 Hours 24 HoursEarthmovement Sprinkler Leakage $50,000 $50,000 $50,000Earthmovement - California 5%/$100,000 Minimum 5%/$100,000 Minimum 5%/$100,000 MinimumEarthmovement - All Other States $100,000 $100,000 $100,000Flood 5%/$100,000 Minimum 5%/$100,000 Minimum 5%/$100,000 Minimum
Building Ordinance - Demolition $10,000,000 $10,000,000 $10,000,000Building Ordinance - Increased Cost of Construction $10,000,000 $10,000,000 $10,000,000Building Ordinance - Loss to Undamaged Portion Included Included IncludedDebris Removal $10,000,000 $10,000,000 $10,000,000
Additional Covered PropertyRoadways, walks, Patios, or other paved surfaces. Covered Covered CoveredFoundations of Buildings, structures, piers Covered Covered CoveredUnderground pipes, flues or drains Covered Covered CoveredRetaining walls that are not part of building Covered Covered Covered
Time Element CoveragesCivil Authority 30 Days 30 Days 30 DaysIngress/Egress 60 Days 60 Days 60 DaysPeriod of Indemnity Unlimited Unlimited UnlimitedExtended Period of Indemnity 365 Days 365 Days 365 Days
Key Coverage Extensions/ConditionsBlanket Mortgagee/Loss Payee Included Included IncludedTerrorism/TRIA Included Included IncludedDrop Down Clause Included Included IncludedMargin Clause / Occurrence Limit of Liability Wording Remove Remove Remove
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Earth Movement, Earthquake Sprinkler Leakage and Flood
Earth Movement, Earthquake Sprinkler Leakage and Flood
Earth Movement, Earthquake Sprinkler Leakage and Flood
Blanket Loss Limits - Per Occurrence Unless Otherwise IndicatedTotal Loss Limit /Aggregate on Real Property, Tenant's Improvements, Fixtures, Equipment, EDP, Business Income/Extra Expense, Business Personal Property
Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached ScheduleTotal Square Footage Per Attached Schedule Per Attached Schedule Per Attached Schedule
Employee Benefits Liability - (Claims Made)Each Claim Limit $1,000,000 $1,000,000 $1,000,000Aggregate Limit $2,000,000 $2,000,000 $2,000,000Deductible - Each Claim $1,000 $1,000 $1,000Retro Date March 1, 2013 March 1, 2013 March 1, 2013
Key Coverage Extensions / ConditionsNamed Insureds Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule Broad Form and Per Attached ScheduleBlanket Additional Insured - As Required By Written Contract Included Included IncludedBlanket Additional Insured - Mortgagee, Assignee or Receiver Included Included IncludedBlanket Waiver of Subrogation Included Included IncludedBodily Injury to Fellow Employees Included Included IncludedBroadened Bodily Injury Definition (Mental Anguish) Included Included IncludedDefense Inside / Outside of Limits Inside / Outside of Limits Inside / Outside of LimitsExpected or Intended Injury - Reasonable Force Included Included IncludedHost Liquor Liability Included Included IncludedHostile Fire Pollution Exception Included Included IncludedHeating/Cooling Pollution Exception Included Included IncludedIncidental Medical Malpractice Included Included IncludedKnowledge/Notice of Occurrence Included Included Included
Included Included IncludedNon-Owned Watercraft Up to 55Ft Included Included IncludedNotice of Cancellation to Others Included Included IncludedPer Location General Aggregate Included Included IncludedTerrorism Included Included IncludedUnintentional Errors & Omissions Included Included Included
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Newly Formed or Acquired Organizations (90 Days)
Client NameAutomobile Specifications
Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Autos Covered Per Attached Schedule Per Attached Schedule Per Attached Schedule
Limits of LiabilityCombined Bodily Injury & Property Damage Liability - Any Auto $1,000,000 $1,000,000 $1,000,000Auto Medical Payments Each Person - Owned Autos $5,000 $5,000 $5,000Uninsured and Underinsured Motorists - Owned Autos $1,000,000 $1,000,000 $1,000,000Physical Damage - Owned & Hired Autos Actual Cash Value or Cost of Repair Actual Cash Value or Cost of Repair Actual Cash Value or Cost of RepairRental Reimbursement $100 per day / 30 Days $100 per day / 30 Days $100 per day / 30 DaysGarage Keeper's Legal Liability $1,000,000 $1,000,000 $1,000,000
Key Coverage Extensions/ConditionsBlanket Additional InsuredBlanket Waiver of SubrogationBodily Injury Definition Including Mental AnguishDeletion of Fellow Employee ExclusionDrive Other Car Coverage Included Included Included Employee as Insureds Included Included Included Employee Hired AutoNamed Insureds Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule Broad Form and Per Attached ScheduleUninentional Errors & Omissions
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Client NameUmbrella Specifications
Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached ScheduleTotal Insurable Values Per Attached Schedule Per Attached Schedule Per Attached Schedule
Schedule of UnderlyingGeneral Liability Included Included IncludedEmployee Benefits Liability Included Included IncludedAutomobile Liability Included Included IncludedGarage keeper's Legal Liability Included Included IncludedEmployer's Liability Included Included IncludedForeign Package Included Included Included
Key Coverage Extensions/Conditions
Named Insureds Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule Broad Form and Per Attached ScheduleBlanket Additional Insured - As Required By Written Contract Included Included IncludedBlanket Additional Insured - Mortgagee, Assignee or Receiver Included Included IncludedBlanket Additional Insured - Owners, Mgrs or Lessors of Premises Included Included IncludedBlanket Waiver of Subrogation Included Included IncludedBodily Injury to Co-Employees Included Included IncludedBroadened Bodily Injury Definition (Mental Anguish) Included Included IncludedDefense Inside/Outside Limits Inside/Outside Limits Inside/Outside LimitsExpected or Intended Injury - Reasonable Force Included Included IncludedHost Liquor Liability Included Included IncludedHostile Fire Pollution Exception Included Included IncludedHeating/Cooling Pollution Exception Included Included IncludedIncidental Medical Malpractice Included Included IncludedKnowledge/Notice of Occurrence Included Included IncludedNewly Formed or Acquired Organizations (90 Days) Included Included IncludedNon-Owned Watercraft Up to 55Ft Included Included IncludedNotice of Cancellation to Others Included Included IncludedPer Location General AggregateTerrorism Included Included IncludedUnintentional Errors & Omissions Included Included Included
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Client NameWorkers' Compensation Specifications
Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached ScheduleExperience Modification Factor 90% 90% 90%
Bodily Injury by Accident, Each Accident $1,000,000 $1,000,000 $1,000,000Bodily Injury by Disease, Each Employee $1,000,000 $1,000,000 $1,000,000Bodily Injury by Disease, Policy Limit $1,000,000 $1,000,000 $1,000,000
Key Coverage Extensions/ConditionsDirectors and Officers Covered / Not Covered Covered / Not Covered Covered / Not CoveredBlanket Waiver of Subrogation Included Included IncludedStop Gap Included Included IncludedTerrorism included Included Included IncludedVoluntary Compensation Included Included IncludedUS L & H Included Included Included
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Statutory Workers’ Compensation Benefits as required by state of California
Statutory Workers’ Compensation Benefits as required by state of California
Statutory Workers’ Compensation Benefits as required by state of California
Client NameForeign Package Specifications
Coverage and Terms Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached Schedule
Damage to Premises Rented to You Limit (any one premises) $1,000,000 $1,000,000 $1,000,000Medical Expenses Limit (any one person) $25,000 $25,000 $25,000
Contingent Auto Liability LimitEach Accident $1,000,000 $1,000,000 $1,000,000Auto Medical Payments - Each Accident $50,000 $50,000 $50,000Hired Auto Physical Damage $50,000 Maximum $50,000 Maximum $50,000 Maximum
North Americans State of Hire State of Hire State of HireThird Country Nationals Country of Origin Country of Origin Country of OriginLocal Nationals Country of Origin Country of Origin Country of Origin
Employers LiabilityBodily Injury by Accident - Each Accident $1,000,000 $1,000,000 $1,000,000
Executive Assistance Services Policy Limit for Medical Assistance Services $1,000,000 $1,000,000 $1,000,000
Accidental Death and Dismemberment and Medical Expense CoverageAccidental Death and Dismemberment Principal Sum $50,000 $50,000 $50,000Accidental Death and Dismemberment Aggregate Limit $1,500,000 $1,500,000 $1,500,000
Corporate Kidnap and Extortion Coverage$250,000 $250,000 $250,000
In-Transit Extortion / Ransom Monies Loss $250,000 $250,000 $250,000Expenses - Each Covered Loss, No Aggregate $250,000 $250,000 $250,000Legal Costs - Each Covered Loss, No Aggregate $250,000 $250,000 $250,000Medical , Death or Dismemberment - Each Life $10,000 $10,000 $10,000Medical , Death or Dismemberment - Each Incident $100,000 $100,000 $100,000Incident Response - Each Covered Loss, No Aggregate $250,000 $250,000 $250,000
Deductibles Nil Nil Nil
Personal and Advertising Injury Limit (any one person or organization)
Foreign Voluntary Workers' Compensation / Employers' Liability and Repatriation Expense Benefits for Voluntary Compensation
Bodily Injury by Disease including by endemic disease - Each EmployeeBodily Injury by Disease including by endemic disease - Policy Limit
Extortion / Ransom Monies Payment - Each Covered Loss, No Aggregate
Key Coverage Extensions/ConditionsBroadened Named Insured Covered Covered CoveredBlanket Waiver of Subrogation Covered Covered CoveredBlanket Additional Insured – By Contract Covered Covered CoveredBlanket Additional Insured – Broad Form Vendors Covered Covered Covered
Covered Covered CoveredUnintentional Errors or Omissions Covered Covered CoveredFellow Employee Coverage Covered Covered CoveredEmployees as Insureds Covered Covered CoveredHost Liquor Liability Covered Covered CoveredNewly Acquired and Formed Organizations – 90 days Covered Covered CoveredContractual Liability Covered Covered CoveredPer Location General Aggregate Covered Covered CoveredVendors as Additional Insureds Covered Covered CoveredNote Local policies to be issued in Singapore and Italy. Local policies to be issued in Singapore and Italy. Local policies to be issued in Singapore and Italy.
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Blanket Additional Insured – Owners, Managers or Lessors of Premises
Blanket Additional Insured – Contingent Auto, required by written contract
Client NameFine Arts Specifications
Coverage and Terms Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached Schedule
Key Coverage Extensions/ConditionsEmployee Theft of Fine Arts Included Included Included
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Client NameCrime Specifications
Coverage and Terms Expiring Program Renewal Option #1 Renewal Option #2Insurer TBD TBD TBDPolicy Term January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015Locations Covered Per Attached Schedule Per Attached Schedule Per Attached Schedule
Employee Theft $1,000,000 $1,000,000 $1,000,000Forgery or Alteration $1,000,000 $1,000,000 $1,000,000Loss of Money & Securities - Inside the premises $1,000,000 $1,000,000 $1,000,000Robbery & Safe Burglary - Inside the premises $1,000,000 $1,000,000 $1,000,000Loss of Money & Securities - Outside the premises $1,000,000 $1,000,000 $1,000,000Computer Fraud - Fraudulent Transfer of Funds $1,000,000 $1,000,000 $1,000,000Funds Transfer - Written, Electronic, Telephone $1,000,000 $1,000,000 $1,000,000Money Orders & Counterfeit Money $1,000,000 $1,000,000 $1,000,000Credit, Debit, Charge Card Forgery $1,000,000 $1,000,000 $1,000,000Client's Property $1,000,000 $1,000,000 $1,000,000Claim Expense $25,000 $25,000 $25,000ID Fraud $25,000 $25,000 $25,000
DeductiblesPer Occurrence $10,000 $10,000 $10,000
Key Coverage Extensions/ConditionsWorldwide Coverage Territory Included Included Included Policy Form Discover Form / Loss Sustained Form Discover Form / Loss Sustained Form Discover Form / Loss Sustained Form
Cancellation Provision 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Limits of Liability (Per Occurrence)
Client NameProfessional Liability Specifications
Expiring Program Insurer TBDPolicy Term January 1, 2014 - January 1, 2015
Notice of Cancellation 60 Days / 20 days for nonpayment
Key Coverage Extensions/Conditions
Fair Housing Act Discrimination Claim $250,000
Lock Box Claim $250,000
Licensing Proceeding Claim $100,000
Crisis Management Event $25,000
Contingent Bodily Injury & Property Damage
Coverage for Properties with Less than 75% Ownership Included
Automatic Extended Reporting Period 60 Days
Hammer Clause 80/20
Prior Acts Coverage Included
Key Policy Definitions
Claim
Insured
Wrongful Act
Insured Personal Litigation Expense Reimbursement
Property Management, Leasing, Construction Management and Asset Management, Development Management
Included; With Respects to covered claims arising from Property Management Services
Written demand for monetary or non-monetary relief or services, civil judicial, administrative, arbitral or regulatory proceeding, written request to toll or waiver the applicable statute of limitations relating to a potential claim.
Company, Named Insured, director, officer, partner, member of management committee, employee, but solely in the capacity he or she is alleged to have rendered or failed to render professional services.
Actual or alleged act, error, or omission in the course of rendering professional services$250 per day/$5,000 per claim for loss of earnings and expenses related to attending hearings, trials, mediation, etc.
Disciplinary Proceedings
Estates, Heirs, or Legal Representatives Coverage
Express Domestic Partners and Lawful Spouse Coverage
Cancellation Provision 120 Days except 10 Days Non-Payment
$10,000 for defense costs related to Disciplinary Proceedings of any organization with authority or license to regulate professional servicesCoverage extends to estates, heirs, or legal representative of any deceased insuredCoverage extends to domestic partner and lawful spouse of insured
Renewal Option #1 Renewal Option #2TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
60 Days / 20 days for nonpayment 60 Days / 20 days for nonpayment
$250,000 $250,000
$250,000 $250,000
$100,000 $100,000
$25,000 $25,000
Included Included
60 Days 60 Days
80/20 80/20
Included Included
Property Management, Leasing, Construction Management and Asset Management, Development Management
Property Management, Leasing, Construction Management and Asset Management, Development Management
Included; With Respects to covered claims arising from Property Management Services
Included; With Respects to covered claims arising from Property Management Services
Written demand for monetary or non-monetary relief or services, civil judicial, administrative, arbitral or regulatory proceeding, written request to toll or waiver the applicable statute of limitations relating to a potential claim.
Written demand for monetary or non-monetary relief or services, civil judicial, administrative, arbitral or regulatory proceeding, written request to toll or waiver the applicable statute of limitations relating to a potential claim.
Company, Named Insured, director, officer, partner, member of management committee, employee, but solely in the capacity he or she is alleged to have rendered or failed to render professional services.
Company, Named Insured, director, officer, partner, member of management committee, employee, but solely in the capacity he or she is alleged to have rendered or failed to render professional services.
Actual or alleged act, error, or omission in the course of rendering professional services
Actual or alleged act, error, or omission in the course of rendering professional services
$250 per day/$5,000 per claim for loss of earnings and expenses related to attending hearings, trials, mediation, etc.
$250 per day/$5,000 per claim for loss of earnings and expenses related to attending hearings, trials, mediation, etc.
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
$10,000 for defense costs related to Disciplinary Proceedings of any organization with authority or license to regulate professional services
$10,000 for defense costs related to Disciplinary Proceedings of any organization with authority or license to regulate professional servicesCoverage extends to estates, heirs, or legal
representative of any deceased insuredCoverage extends to estates, heirs, or legal representative of any deceased insured
Coverage extends to domestic partner and lawful spouse of insured
Coverage extends to domestic partner and lawful spouse of insured
Client NameNamed Insured ScheduleJanuary 1, 2013 to January 1, 2014
Ownership Description of Operations Named Insureds
Client NameStatement of Values2013 - 2014
Street Address City State ZIP Code EQ Zone Comments
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
TOTAL $ - $ - $ - $ - $ - $ -
Loc #Location / Ownership
Name
Building Use/ Occupancy
Construction Class
Year Built/ Upgrades
No. of Stories
Sprinklered (Y/N)
ProtectionsGuard/Alarm/Fire/Smoke
Square Footage
Flood Zone
Marshall & Swift
Valuation
Building Value
Contents (Incl. EDP)
Tenant Improvem
ents
Rental Income (Incl.
Extra Expense)
Total Insured Values
WOODRUFF-SAWYER & CO.
Important Notices 1. This information is presented for your convenience, but in no way does it alter the actual contracts of insurance. For coverage details, refer to policies. In the event of conflicting statements, the policy conditions supersede this document. 2. Specimen copies of policies are available. 3. This proposal is based upon information provided by the insured or prospect. 4. Changes in exposures need to be promptly reported for proper coverage to be put into place. 5. Certain coverages are written on CLAIMS-MADE basis. I f the insured first becomes aware of an actual or alleged act, error or omission that first commenced on/after the applicable Retroactive Date, it must submitted to the carrier in writing during the Policy Period. 6. Insurance Carriers identified as a “Non-Admitted” or “Surplus Lines” insurer are not subject to the financial solvency regulation and enforcement that applies to licensed insurers. The insurer does not participate in any of the insurance guarantee funds created by the state. 7. Higher limits of liability may be available. Please let us know if a quote is desired. 8. As a part of the risk management process, we may review leases, contracts or other legal documents for you in order to determine your compliance with the insurance and surety requirements of these documents, and the effect, if any, of these requirements on your insurance program. We are not reviewing this information from a legal perspective. We recommend that you have any contract reviewed by your legal counsel. 9. This proposal may be subject to the following: A. Receipt of signed and dated application. B. Implementation of loss control program. C. Signed Surplus Lines D-1 form. D. Completion of loss control recommendations.
WOODRUFF-SAWYER & CO.
Important Notices 1. This information is presented for your convenience, but in no way does it alter the actual contracts of insurance. For coverage details, refer to policies. In the event of conflicting statements, the policy conditions supersede this document. 2. Specimen copies of policies are available. 3. This proposal is based upon information provided by the insured or prospect. 4. Changes in exposures need to be promptly reported for proper coverage to be put into place. 5. Certain coverages are written on CLAIMS-MADE basis. I f the insured first becomes aware of an actual or alleged act, error or omission that first commenced on/after the applicable Retroactive Date, it must submitted to the carrier in writing during the Policy Period. 6. Insurance Carriers identified as a “Non-Admitted” or “Surplus Lines” insurer are not subject to the financial solvency regulation and enforcement that applies to licensed insurers. The insurer does not participate in any of the insurance guarantee funds created by the state. 7. Higher limits of liability may be available. Please let us know if a quote is desired. 8. As a part of the risk management process, we may review leases, contracts or other legal documents for you in order to determine your compliance with the insurance and surety requirements of these documents, and the effect, if any, of these requirements on your insurance program. We are not reviewing this information from a legal perspective. We recommend that you have any contract reviewed by your legal counsel. 9. This proposal may be subject to the following: A. Receipt of signed and dated application. B. Implementation of loss control program. C. Signed Surplus Lines D-1 form. D. Completion of loss control recommendations.
WOODRUFF-SAWYER & CO.
Compensation Disclosure Statement for Clients Woodruff-Sawyer & Co. places business on your behalf based upon the breadth and depth of coverage, the financial stability of the insurance company and cost of providing coverage. As your broker we provide marketing, risk analysis and claim services. Our primary compensation for the placement of and servicing of your account is insurer commissions, a service fee or a combination of both. In addition to this primary compensation, we may receive additional revenue from the following areas:
▪ Additional or supplemental commission payments that can be based upon factors such as profitability, premium volume, retention, and/or growth.
▪ Interest earned on premiums received from you and forwarded to the insurer(s) through our bank accounts, as well as premium finance fees.
▪ Payments to defray the cost of loss control, third party administration and other client services.
Commissions disclosed at the time the policy is written are base commissions as of the effective date of the coverage. I f there are service fees to be charged in lieu of or in addition to these commissions, the amount of those fees and the services to be provided will be disclosed to you in advance. Standard commission and additional commission paid by the carrier typically change annually and often during a policy’s effective dates due to the market conditions, insurer profitability by line, overall financial performance, and operational efficiency. The amount of actual compensation from the insurer(s) to us for the placement and servicing of your insurance can vary over the term of the policy. Upon written request, we will provide a statement of commissions received at any time throughout the year. I f you have any questions regarding our Compensation Disclosure Statement or would like to receive a statement of commissions received respecting your account, please contact your Woodruff-Sawyer account representative. Your acceptance of Woodruff-Sawyer’s compensation practices and your agreement with its terms can be indicated by signature on this form or by your written authorization to bind coverage as proposed. Client: _____________________________ _ __________________________________ _ ___ Name Title Date:_______________________________
WOODRUFF-SAWYER & CO.
Compensation Disclosure Statement for Clients Woodruff-Sawyer & Co. places business on your behalf based upon the breadth and depth of coverage, the financial stability of the insurance company and cost of providing coverage. As your broker we provide marketing, risk analysis and claim services. Our primary compensation for the placement of and servicing of your account is insurer commissions, a service fee or a combination of both. In addition to this primary compensation, we may receive additional revenue from the following areas:
▪ Additional or supplemental commission payments that can be based upon factors such as profitability, premium volume, retention, and/or growth.
▪ Interest earned on premiums received from you and forwarded to the insurer(s) through our bank accounts, as well as premium finance fees.
▪ Payments to defray the cost of loss control, third party administration and other client services.
Commissions disclosed at the time the policy is written are base commissions as of the effective date of the coverage. I f there are service fees to be charged in lieu of or in addition to these commissions, the amount of those fees and the services to be provided will be disclosed to you in advance. Standard commission and additional commission paid by the carrier typically change annually and often during a policy’s effective dates due to the market conditions, insurer profitability by line, overall financial performance, and operational efficiency. The amount of actual compensation from the insurer(s) to us for the placement and servicing of your insurance can vary over the term of the policy. Upon written request, we will provide a statement of commissions received at any time throughout the year. I f you have any questions regarding our Compensation Disclosure Statement or would like to receive a statement of commissions received respecting your account, please contact your Woodruff-Sawyer account representative. Your acceptance of Woodruff-Sawyer’s compensation practices and your agreement with its terms can be indicated by signature on this form or by your written authorization to bind coverage as proposed. Client: _____________________________ _ __________________________________ _ ___ Name Title Date:_______________________________
Provides coverage for loss arising from an actual or attempted abduction or extortion.
Provides Coverage for damage to property caused by Flood.
q Employed Lawyers Professional Liability InsuranceProvides coverage for in-house counsel for claims arising out of the performance of professional legal services on behalf of the insured corporation. Moonlighting and Pro Bono coverage is also available.
q Employment Practices Liability InsuranceProvides coverage for claims brought by employees alleging wrongful termination, sexual harassment, discrimination or other violations of an employee’s civil rights. Coverage for claims brought by non-employee third parties alleging discrimination or harassment is also available.
q ERISA Fiduciary Liability Insurance
Provides coverage for claims alleging breaches in fiduciary duty under ERISA or other similar state, local or foreign laws. Such breaches of duty may include violations of any responsibilities, obligations or duties imposed on any person who exercises discretionary authority or control with respect to the management or administration of any benefit plan or its assets.
Provides coverage for 3rd party claims arising out of a breach in network security and/or alleging a failure to safeguard confidential personal or corporate information in any form. Coverage for First Party Business Interruption, Credit Monitoring and Notification Costs (either voluntary or required by Statute) may also be included.
q Foreign Package
Provides coverage for employees traveling outside of the United States (and Canada) on business or stationed outside of the United States that could become involved in incidents and held legally liable. A Foreign Package Policy provides General Liability and Excess Automobile Liability coverage’s. This policy would also provide Foreign Voluntary Workers Compensation and Repatriation coverage’s.
q Kidnap/Ransom and Extortion
q Flood
q Executive Benefits and Succession PlanningProvides Coverage to protect against the risks associated with the untimely death or disability of a key executive, including succession planning, life insurance, disability insurance, long term care and estate planning.
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