About Ball ll Ins Insurance S Services P ROVIDING MARKET ING AND - PowerPoint PPT Presentation

I NSURAN ANCE P RODUCT DUCT S OLUTIO IONS FOR M UNICIPAL ALIT ITIE IES

About Ball ll Ins Insurance S Services P ROVIDING MARKET ING AND F IEL D UNDERWRIT ING SUPPORT T O L OCAL INSURANCE AGENT S HROUGHOUT N EBRASKA F T OR T HE PURPOSE OF PART NERING T O PROPERL Y INSURE MUNICIPAL IT IES Providing insurance services to the • municipal marketplace since 1988 Family owned and operated • Only Nebraskan agency solely • dedicated to pubic entities, such as counties, special districts other publicly funded agencies. Currently servicing over 250 • Nebraska public entities and 300 Fire/EMS districts in with better than 95% retention rate

Nebr braska Publi lic E c Entity m marketpla lace ce Nebraska Public Entities have many options • Several Standard Commercial Insurance options and the LARM Pool • Commercial Insurers competing for business vary from small to large • insurance companies, National and Regional Products and Services vary between companies • It is often assumed that the “Core” coverages are about the same • Typically it is asserted that mainstream insurance carriers are providing • “Specialist” Underwriters and Service Providers One B e Beacon G Gover ernm nmen ent R Risk is the ONLY Insurance company that is exclusively in business for the express purpose of insuring government risk.

B REAKD OF C OVE AKDOWN WN OF VERAGES Pi Picture a muni unicipal Ins Insur uranc nce p packa kage ge like ke a buc bucke ket Holding al all the e sp spec ecific c coverages our en entity y req equires s Your polic icy would in include so some o e or al all of the coverag ages es l list sted ed b bel elow. w. General Ge al Pr Property Liability Wo Workers Comp ompensat ation ion Flood Flood Auto Earthquake Por ortab able le & & Mob obile ile Equipm pment

G ENER ERAL L IABILITY • Bodily i injury & y & prope perty y damage • Perso sonal al & & advertisi sing i injury • Health thca care & soci cial s servi vice ces liabil ilit ity • Employee b benefit its l liabil ilit ity Unique l liab ability c covera rages s Designed fo d for munic icip ipalit itie ies Employment p t practi tice ces liabil ilit ity • • Law w enforcement l liabil ilit ity discrimin inatio ion Excessi ssive u use of fo force Wrongful t termin inatio ion False a e arres est Harass Har ssment Wro rongful ul acts cts Failure ure to supply ( ply (opt ptional l • • Public ic o offic icials l liabil ilit ity cover erage) ge) Eminent nent Domain in Sexual a abuse ( e (optiona nal cover erage ge) • Buildi ding g permit it den denial Exces ess L Liability ( (exten ended l ed limits) • Cont ntes est Planni nning/ g/Zoni ning ng ordina nance

PROPER PR PERTY P ROTECTING YO YOUR STUFF FF Portable & Mobile equipment Real & Personal Property ◦ Stree eet & & Road E d Equipmen ent ◦ Buildi ding g occu ccupied b by the insure ured ◦ Police dep dept. eq equipment ◦ Newly ly acq cquired o or co constructe cted ◦ Fire Dept. t. E Equipment t buildi ding ngs ◦ Prop operty of of others ◦ Emplo ployees' p personal p l prope perty y ◦ Non o n owne ned N Non l n lea eased ◦ Of Off-prem emises es p proper erty ◦ Business ss interru ruption ◦ Extra e a expense se ◦ Valua uabl ble pap apers s ◦ Ordi dina nanc nce e or l law aw ◦ Bo Boil iler and m d machiner nery

PR PROPER PERTY P ROTECTING YO YOUR STUFF FF Addit itio ional Proper erty C Cover erages es ◦ Cyber Vandalism ◦ Crime ◦ Forgery & Alteration ◦ Money & Securities On & Off Premises Autom omob obile ◦ Money Orders & Counterfeit Paper ◦ Physical damage Tailored Currency ERISA coverage extensions including: ◦ Rewards/ Contract Penalties ◦ Commandeered vehicles ◦ Backup of Sewers & Drains ◦ Customized vehicles ◦ Lock Replacement ◦ Expediting Expense ◦ Soft Costs ◦ Temporary Relocation of Property

G ENER ERAL LIA IABILITY Ge ne r al T his po lic y is c o mprise d o f multiple insuring a g re e me nts d e sig ne d to pa y a ll sums the g o ve rnme nt e ntity is Br oad “Who is an Insur e d” pr ovision: le g a lly o b lig a te d to pa y a s d a ma g e s b e c a use o f: the g o ve rnme nt e ntity b o d ily injury o r pro pe rty d a ma g e • • o pe ra ting a utho ritie s, b o a rd s, pe rso na l injury a nd a d ve rtising injury • • c o mmissio ns, d istric ts o r a ny o the r injury a rising o ut o f a he a lth c a re a nd so c ia l se rvic e s • g o ve rnme nta l units pro vid e d the y a re wro ng ful a c t o pe ra te d , c o ntro lle d a nd fund e d b y the Ad d itio na lly, if e le c te d , a n a d d itio na l insuring na me d insure d a g re e me nt to pa y me d ic a l e xpe nse s fo r b o d ily injury is trusts a nd truste e s a lso a va ila b le . • c urre nt o r pre vio usly e le c te d o r • a ppo inte d o ffic ia ls o f the na me d insure d c urre nt o r pre vio usly e le c te d o r • a ppo inte d o ffic ia ls o f o pe ra ting a utho ritie s, b o a rd s, c o mmissio ns, d istric ts o r a ny o the r g o ve rnme nta l units e mplo ye e s , vo lunte e r wo rke rs • pa rtne rship o r jo int ve nture s • limite d lia b ility c o mpa nie s •

G ENER ERAL LIA IABILITY F E AT URE S & BE NE F IT S Wate r c r aft liability for : no n-o wne d wa te rc ra ft • E xpe c te d or Inte nde d Injur y or Damage e xpo sure (no size limita tio n) if re sulting fro m the use o f re a so na b le fo rc e to pro te c t pe rso na l wa te rc ra ft a nd • pe rso ns o r pro pe rty o wne d wa te rc ra ft with 100 Pollution L iability c ove r age for : ho rse po we r o r le ss wa te r tre a tme nt • Bro a d fo rm c o ntra c tua l fo r pro pa ne g a s use d in c e rta in o pe ra tio ns • • c o ve re d c o ntra c ts pe stic id e a nd he rb ic id e a pplic a tio n • Ho st liq uo r lia b ility e me rg e nc y re spo nse se rvic e s a nd tra ining • • Pro d uc ts a nd c o mple te d ho stile fire , he a t, fume s o r smo ke • • o pe ra tio ns Pre mise s Da ma g e le g a l lia b ility • Bro a d e ne d d e finitio n o f b o d ily • injury a nd pro pe rty d a ma g e De fe nse c o sts in a d d itio n to po lic y • limits a nd o utsid e d e d uc tib le a pplic a tio n Unle ss spe c ific a lly e xc lud e d, se we r • b a c k-up c o ve ra g e a rising fro m a ne g lig e nt a c t, pro vid e d to po lic y limits

P UBLIC O FFI FICIALS E&O F E AT URE S & BE NE F IT S Insur ing agr e e me nts, e ac h with de dic ate d limits, inc lude : A – L ia b ility fo r Wro ng ful Ac ts B – L ia b ility fo r E mplo yme nt Pra c tic e s Offe nse s Othe r C – L ia b ility fo r E mplo ye e Be ne fit Ad ministra tio n Offe nse s Bro a d “Who is a n Insure d” • pro visio n Cove r age A E xte nsions Re imb urse me nt up to $1,000 • E mplo ye e to third pa rty ha ra ssme nt c o ve ra g e pe r d a y fo r lo ss o f e a rning s to • Priva c y re g ula tio n vio la tio ns a ssist in tria l a nd inve stig a tio n o f • Ne two rk se c urity vio la tio ns c la ims • De fe nse c o st in a d d itio n to • Cove r age B E xte nsions po lic y limits a nd insid e E E OC De fe nse d e d uc tib le • T hird pa rty to e mplo ye e ha ra ssme nt Pa y o n b e ha lf o f a nd d uty to • • d e fe nd b a sis Punitive d a ma g e s c o ve re d , if • a llo we d b y la w No e xc lusio ns fo r a rc hite c ts, • a tto rne ys o r e ng ine e rs

P ROPE PERTY ENHANCE CEMENTS Cybe r Vandalism Buc ke t L imit $500,000 pe r oc c ur r e nc e Cr ime $25,000 Buc ke t L imit I nc lude s Outdo o r Pro pe rty – T re e s, Shrub s & E mplo ye e Disho ne sty Pla nts, fe nc e s, ra dio / T V a nte nna s F o rg e ry & Alte ra tio n & sa te llite dishe s Mo ne y & Se c uritie s On & Off Pre mise s Pe rso na l E ffe c ts o f Offic e rs, Mo ne y Orde rs & Co unte rfe it Pa pe r Curre nc y E RI SA Pa rtne rs & E mplo ye e s $25,000 pe r o c c urre nc e T e na nts I mpro ve me nts o r Be tte rme nts Building Additional Cove r age s Ordina nc e o r L a w –$500,000 Re wa rds/ Co ntra c t Pe na ltie s $50,000 F ung us, We t Ro t, Dry Ro t, Ba c kup o f Se we rs Ba c te ria (Mo ld) $15,000 & Dra ins Po lic y L imit Ne wly Ac q uire d Building s L o c k Re pla c e me nt $10,000 $2,000,000 – 180 Da ys E xpe diting E xpe nse $50,000 Po lluta nt Cle a nup So ft Co sts $25,000 & Re mo va l $100,000 T e mpo ra ry Re lo c a tio n o f Pro pe rty De b ris Re mo va l $250,000 $100,000 – 90 Da ys