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

INSURAN

ANCE PRODUCT DUCT

SOLUTIO

IONS FOR

MUNICIPAL

ALIT ITIE IES

About Ball ll Ins Insurance S Services

PROVIDING MARKET

ING AND F IEL D UNDERWRIT ING SUPPORT T O L OCAL INSURANCE AGENT S T HROUGHOUTNEBRASKA F 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

• 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.

Nebr braska Publi lic E c Entity m marketpla lace ce

BREAKD

AKDOWN WN OF OF COVE VERAGES

Por

• rtab

able le & & Mob

• bile

ile Equipm pment Ge General al Liability Auto Wo Workers Comp

• mpensat

ation ion Flood Flood Earthquake

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.

Pr Property

• 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

GENER

ERAL LIABILITY

• Law

w enforcement l liabil ilit ity Excessi ssive u use of fo force False a e arres est Wro rongful ul acts cts

• Public

ic o

• ffic

icials l liabil ilit ity Eminent nent Domain in Buildi ding g permit it den denial Cont ntes est Planni nning/ g/Zoni ning ng

• rdina

nance

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 discrimin inatio ion Wrongful t termin inatio ion Har Harass ssment

• Failure

ure to supply ( ply (opt ptional l cover erage) ge)

• Sexual a

abuse ( e (optiona nal cover erage ge)

• Exces

ess L Liability ( (exten ended l ed limits)

Real & Personal Property

• Buildi

ding g occu ccupied b by the insure ured

• Newly

ly acq cquired o

• r co

constructe cted buildi ding ngs

• Emplo

ployees' p personal p l prope perty y

• 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 PROTECTING YO

YOUR STUFF FF

Portable & Mobile equipment

• Stree

eet & & Road E d Equipmen ent

• Police dep
• dept. eq

equipment

• Fire Dept.
• t. E

Equipment t

• Prop
• perty of
• f others
• Non o

n owne ned N Non l n lea eased

Autom

• mob
• bile
• Physical damage Tailored

coverage extensions including:

• Commandeered vehicles
• Customized vehicles

Addit itio ional Proper erty C Cover erages es

• Cyber Vandalism
• Crime
• Forgery & Alteration
• Money & Securities On & Off Premises
• Money Orders & Counterfeit Paper

Currency ERISA

• Rewards/ Contract Penalties
• Backup of Sewers & Drains
• Lock Replacement
• Expediting Expense
• Soft Costs
• Temporary Relocation of Property

PR PROPER PERTY PROTECTING YO

YOUR STUFF FF

GENER

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 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:

• b o d ily injury o r pro pe rty d a ma g e
• pe rso na l injury a nd a d ve rtising injury
• injury a rising o ut o f a he a lth c a re a nd so c ia l se rvic e s

wro ng ful a c t Ad d itio na lly, if e le c te d , a n a d d itio na l insuring 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 a lso a va ila b le .

Br

• ad “Who is an Insur

e d” pr

• vision:
• the g o ve rnme nt e ntity
• 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 pro vid e d the y a re

• pe ra te d , c o ntro lle d a nd fund e d b y the

na me d insure d

• trusts a nd truste e s
• 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

• 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

GENER

ERAL LIA IABILITY

E xpe c te d or Inte nde d Injur y or Damage

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 ns o r pro pe rty

Pollution L iability c ove r age for :

• wa te r tre a tme nt
• pro pa ne g a s use d in c e rta in o pe ra tio ns
• pe stic id e a nd he rb ic id e a pplic a tio n
• e me rg e nc y re spo nse se rvic e s a nd tra ining
• ho stile fire , he a t, fume s o r smo ke
• Bro a d fo rm c o ntra c tua l fo r

c o ve re d c o ntra c ts

• Ho st liq uo r lia b ility
• Pro d uc ts a nd c o mple te d
• 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

Wate r c r aft liability for :

• no n-o wne d wa te rc ra ft

e xpo sure (no size limita tio n)

• pe rso na l wa te rc ra ft a nd
• wne d wa te rc ra ft with 100

ho rse po we r o r le ss

F E AT URE S & BE NE F IT S

PUBLIC OFFI

FICIALS E&O

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 C – L ia b ility fo r E mplo ye e Be ne fit Ad ministra tio n Offe nse s

Cove r age A E xte nsions

• E

mplo ye e to third pa rty ha ra ssme nt c o ve ra g e

• Priva c y re g ula tio n vio la tio ns
• Ne two rk se c urity vio la tio ns

Cove r age B E xte nsions

• E

E OC De fe nse

• T

hird pa rty to e mplo ye e ha ra ssme nt

Othe r

• Bro a d “Who is a n Insure d”

pro visio n

• Re imb urse me nt up to $1,000

pe r d a y fo r lo ss o f e a rning s to a ssist in tria l a nd inve stig a tio n o f c la ims

• De fe nse c o st in a d d itio n to

po lic y limits a nd insid e d e d uc tib le

• 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

F E AT URE S & BE NE F IT S

PROPE

PERTY ENHANCE CEMENTS

Buc ke t L imit $500,000 pe r

• c c ur

r e nc e

I nc lude s Outdo o r Pro pe rty – T re e s, Shrub s & Pla nts, fe nc e s, ra dio / T V a nte nna s & sa te llite dishe s Pe rso na l E ffe c ts o f Offic e rs, Pa rtne rs & E mplo ye e s T e na nts I mpro ve me nts o r Be tte rme nts

Building

Ordina nc e o r L a w –$500,000 F ung us, We t Ro t, Dry Ro t, Ba c te ria (Mo ld) $15,000 Ne wly Ac q uire d Building s $2,000,000 – 180 Da ys Po lluta nt Cle a nup & Re mo va l $100,000 De b ris Re mo va l $250,000

Additional Cove r age s

Re wa rds/ Co ntra c t Pe na ltie s $50,000 Ba c kup o f Se we rs & Dra ins Po lic y L imit L

• c k Re pla c e me nt

$10,000 E xpe diting E xpe nse $50,000 So ft Co sts $25,000 T e mpo ra ry Re lo c a tio n o f Pro pe rty $100,000 – 90 Da ys

Cybe r Vandalism Cr ime $25,000 Buc ke t L imit

E mplo ye e Disho ne sty F

• rg e ry & Alte ra tio n

Mo ne y & Se c uritie s On & Off Pre mise s Mo ne y Orde rs & Co unte rfe it Pa pe r Curre nc y E RI SA $25,000 pe r o c c urre nc e

AUTO

TO LIABILITY

Ge ne r al

Bro a d “Who is a n Insure d” pro visio n: Go ve rnme nt e ntity, E le c te d o r a ppo inte d o ffic ia ls, E mplo ye e s, Vo lunte e rs wo rke rs, Pe rso ns o r o rg a niza tio ns with who m the re is a writte n a g re e me nt, Any pe rmitte d use r, Owne r o f c o mma nd e e re d a uto No tic e o f o c c urre nc e pro visio n: fo r o ffic e rs, le g a l d e pa rtme nt o r d e sig na te d e mplo ye e in e ve nt o f a c c id e nt, c la im, suit o r lo ss

L iability

• Bro a d e ne d b o d ily injury pro visio n

tha t inc lud e s me nta l a ng uish

• Co mma nd e e re d Auto s –

a uto ma tic a lly inc lud e d

• E

xpe c te d o r inte ntio na l b o d ily injury a nd pro pe rty d a ma g e c a use d b y a c o ve re d a uto a nd the use o f re a so na b le fo rc e in o rd e r to pro te c t pe o ple o r pro pe rty

• F

e llo w E mplo ye e E xc lusio n a uto ma tic a lly d e le te d

• Supple me nta ry Pa yme nts

Bro a d e ne d – Co st o f b a il b o nd s is $3,500; e xpe nse s inc urre d is $500 pe r d a y

AUTO

TO PHYSICAL DAMAGE

Physic al Damage

• Airb a g Disc ha rg e – re se tting o r re pla c e me nt o f a n a irb a g

tha t a c c id e nta lly d isc ha rg e s, if physic a l d a ma g e is purc ha se d

• Auto T

he ft Re wa rd – $2,000 limit

• Custo mize d Ve hic le s – a d d itio na l re pa ir o r re pla c e me nt

c o st fo r c usto mize d a uto e le me nts suc h a s e me rg e nc y lig hts, lig ht b a rs a nd sire ns, pa int a nd d e c a ls, pe rma ne ntly insta lle d ra d io s a nd c o mpute r e q uipme nt

• E

le c tro nic E q uipme nt Co ve ra g e fo r insta lle d a ud io , visua l, c o mmunic a tio ns o r ra d a r e q uipme nt

• E

xtra E xpe nse Co ve ra g e b ro a d e ne d c o ve ra g e fo r re turn o f a sto le n ve hic le

• F

re e zing Co ve ra g e fo r E me rg e nc y Ve hic le s

• Gla ss re pa ir – Wa ive r o f De d uc tib le fo r g la ss

tha t is re pa ire d inste a d o f re pla c e d

• Hire d Auto Physic a l Da ma g e Co ve ra g e – up

to $50,000 limit

• Hire d Auto – Wo rld wid e Co ve ra g e T

e rrito ry

• L

e a se Ga p Co ve ra g e – pa ys fo r the d iffe re nc e b e twe e n the a c tua l c a sh va lue

• f a c o ve re d a uto a t the time o f lo ss a nd

the re ma ining b a la nc e o f a le a se , pro vid e d c o nd itio ns me t

• Physic a l Da ma g e – T

ra nspo rta tio n E xpe nse s Co ve ra g e – b ro a d e ne d to pro vid e $75 pe r d a y with ma ximum o f $1,800

• T
• wing – Co ve re d Auto s –$100 limit

EXCESS LIA

IABILITY

T he E xc e ss is de sig ne d to pro vide e xc e ss limits a b o ve prima ry c o ve ra g e fo r a ll sc he dule d unde rlying c o ve ra g e s:

• g e ne ra l lia b ility
• pub lic o ffic ia ls e rro rs a nd o missio ns

(inc luding e mplo yme nt pra c tic e s lia b ility a nd e mplo ye e b e ne fits a dministra tio n)

• la w e nfo rc e me nt lia b ility
• a uto mo b ile lia b ility

T he e xc e ss limits “dro p do wn” in the e ve nt tha t unde rlying limits a re impa ire d o r e xha uste d.

No de duc tible applie s.

T his a g re e me nt is pro vide d o n a “fo llo wing -fo rm” b a sis de sig ne d to fo llo w a ll o f the pro visio ns o f the unde rlying c o ve ra g e s with the fo llo wing g e ne ra l e xc e ptio ns:

• Po llutio n
• F

a ilure to Supply

• Se xua l Ab use
• Uninsure d/ Unde rinsure d Mo to rist

LAW

AW ENFORCEM EMEN ENT

T his insura nc e a g re e me nt is de sig ne d to pa y a ll sums the insure d b e c o me s le g a lly

• b lig a te d to pa y a s da ma g e s c a use d b y la w

e nfo rc e me nt wro ng ful a c ts tha t a rise in the c o urse o f o ffic ia l la w e nfo rc e me nt o pe ra tio ns. Suc h a c ts c a n inc lude :

• g e ne ra l lia b ility
• F

a lse a rre st, de te ntio n o r impriso nme nt

• Vio la tio n o f c ivil rig hts
• I

mpro pe r se rvic e o f pro c e ss

• I

mpro pe r c o nduc t o f ja il o pe ra tio ns

• Ac tio ns invo lve d in suppo rt
• f mutua l a id a g re e me nts

De fe nse c o sts in a dditio n to po lic y limits a nd inside de duc tib le

• Pa y o n b e ha lf a nd duty to de fe nd

b a sis

• Punitive da ma g e s c o ve re d, if

a llo we d b y la w

• Ca nine o r e q uine e xpo sure

c o ve ra g e a va ila b le

• Re imb urse me nt up to $1,000 pe r da y

fo r lo ss o f e a rning s to a ssist in tria l a nd inve stig a tio n o f c la ims

LAW

AW ENFORCEM EMEN ENT

• Sa nc tio ne d o ff-duty c o ve ra g e
• Co ve ra g e fo r pro se c uting a tto rne ys

a nd sta ff

• Judic ia l o pe ra tio ns c o ve ra g e
• Co ve ra g e fo r b o dily injury, pro pe rty

da ma g e , pe rso na l injury me nta l a ng uish, e mo tio na l distre ss o r humilia tio n

• No n-o wne d Wa te rc ra ft
• Owne d Wa te rc ra ft

FEATURES & BENEFITS

Bro a d “Who is a n I nsure d” Po llutio n

• Auto ma tic c o ve ra g e fo r pro pe rty in

the c a re , c usto dy a nd c o ntro l

• Bro a d de finitio n o f la w e nfo rc e me nt

wro ng ful a c t

• L

imite d Crimina l Ac ts E xc lusio n

• E

mplo ye e to third pa rty ha ra ssme nt c o ve ra g e

About OBGR

• One Be ac on Gove r

nme nt Risks ha s a sing ula r fo c us:

pro te c ting fire de pa rtme nts a nd

• e me rg e nc y re spo nde rs thro ug h pro pe rty, c a sua lty,

pro fe ssio na l insura nc e a nd risk

• ma na g e me nt so lutio ns. T

he ir de e p fa milia rity with this se c to r me a ns the y unde rsta nd

• yo ur e xpo sure s a nd pro vide ta ilo re d c o ve ra g e s to

mitig a te yo ur risks a nd lia b ility.

• T

he y ha ve the e xpe rtise a nd re so urc e s to sho w ho w to ke e p e me rg e nc y

• re spo nde rs sa fe .
• T

he ir pa rtne rship with L

• c a lGo vUo ffe rs ma ny o nline

tra ining c o urse s

• to a ssist in yo ur risk ma na g e me nt e ffo rts:
• • F

ire g ro und o pe ra tio ns

• • E

MS ve hic le c he c k

• • F

ire a tta c k b a sic s

• • F

ire c o ntro l

• • Auto ma te d e xte rna l de fib rilla to rs
• F

ull list o f c o urse s a va ila b le thro ug h Ba ll I nsura nc e Se rvic e s.

A.M. Be st: “A” E xte nsive Risk Manage me nt Se r vic e s Consiste ntly de live r supe r ior c laims se r vic e .