coverage: icrma alternate a b€¦ · pool self-insured retention $3,000,000 member retained limit...

www.icrma.org

18201 Von Karman, Suite 200, Irvine, CA 92612

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This information is provided as a resource and does not include all of the terms,

coverages, exclusions, and conditions. Read the entire MOC or policy for details.

Liability Program

COVERAGE: ICRMA Alternate

A

Alternate

B

Pool Self-Insured Retention $3,000,000

Member Retained Limit Member selected

from $100K to $3M

Automobile Liability (non-owned & hired) $30,000,000

Per member, per occurrence

Liability Program includes coverage for:

Law Enforcement Liability

Sexual Abuse

Drone Aircraft Liability (strict guidelines)

Public Officials’ E&O Liability

Employment Practices Liability

Liquor Liability

Employment Benefits Liability

$30,000,000

Per member, per occurrence

Various aggregates may apply

and clash coverage as

outlined. Refer to the

Memorandum of Coverage

(MOC) for complete terms.

Public Crisis Response coverage

Includes $50,000/event toward PR firm to

assist with communication

$300,000

First dollar coverage

Definition of Named Insured

Employees, Past & Present

Officials, Volunteers,

Councils, Commissions,

Agencies, Districts,

Authorities & similar Boards

Claim dispute resolution process

Claims Committee >

Governing Board >

Court system (see MOC)

Ability to select TPA YES

Ability to select defense counsel (from panel of

over 100 attorneys) YES

City Attorney firm may serve on defense panel YES

Structured Settlement and Expert Witness

resources YES

Litigation Management Policies & Procedures YES

Government Code Section 984 applicable? YES

http://www.icrma.org/

www.icrma.org


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Workers’ Compensation Program

Coverage ICRMA Limits Alternate

A

Alternate

B

Limit of Liability - any one loss Statutory

Employer’s Liability Coverage - any one loss $2,000,000

ICRMA Self-Insured Retention $3,000,000

Member Retained Limit Member selected: $350K,

$500K, $750K, or $1M

Labor Code 4850 Benefits Included YES – up to $3M SIR

Incidental Longshoremen’s & Harbor Workers’

Compensation Act Coverage Included

Domestic or International Crisis Management

Expenses Up to $50,000 Annual Agg.

Nurse Triage - injured employee or supervisor

reports claim, receive first aid advice,

recommended course of action, assessment of the

injury, and answers to questions

YES

Vendor: Company Nurse

Structured Return to Work Program YES

Ability to select TPA YES

Utilization Review and Bill Review Varies by Member TPA

ScripNet Prescription Cards Varies by Member TPA

Ability to select defense attorney YES

Covered Parties

Employees and officers

Volunteers if resolution

adopted

Coverage provided outside of California

YES

Members reimbursed up to the

amount payable under CA WC

law, regardless of jurisdiction

selected by the employee

Department of Industrial Relations (DIR)

Assessment

Included

ICRMA coordinates reporting

& payment for the members


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Property – Including Earthquake & Flood

Coverage ICRMA Alternate

A

Alternate

B

Property Appraisals

YES

ICRMA coordinates;

performed every 5 years

Property coverage Per terms of manuscript

policy form

Real and Personal property of every kind and

description, for All Risk of Direct Physical perils,

loss or damage, subject to policy terms &

exclusions.

$125,000,000

Per Occurrence

Full Replacement Cost –

Real & Personal Property

Earthquake Sprinkler Leakage included Actual Cash Value –

Unscheduled Vehicles

Deductible (member selected): $10,000 - $100,000

Coinsurance, Margin Clause or Cap on Recovery No

Flood, including Wave Wash, in Special High

Hazard Flood Zones

$75,000,000

Per Occurrence &

Annual Aggregate

$100,000 deductible

Earth movement including: $135,000,000*

(Deductible 5% of TIV at

risk at the time of loss at

each location, subject to

a minimum of $100,000

per occurrence)

*PML based on 500 Year

Return Period

Earthquake

Landslide

Earth Sinking

Rising

Shifting

Sinkhole Collapse

Mine Subsidence

Sublimits include, but are not limited to:

Law & Ordinance Included

Course of Construction $25,000,000

Newly Acquired Property (365 days to report) $25,000,000


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Property – Including Earthquake & Flood, continued


A

Alternate

B Errors & Omissions $25,000,000

Revenue Interruption $10,000,000

Unnamed Locations $2,000,000

Rented Mobile Equip./Contractors Equip. $5,000,000

Fine Arts $2,000,000 / $100,000

per item

Traffic Signals $2,500,000

Mold / Fungus $2,500,000

Police & Fire Dogs $20,000 per dog

Police Horses $50,000 per horse

Deductibles:

$2,500 Fine Arts,

$5,000 Trees & Shrubs,

Rented Equipment

All other Losses:

$10,000 per occurrence

(Redondo Beach-

$100,000;

Downey-$50,000)

Boiler & Machinery – Equipment Breakdown

Total Limit Per Breakdown –

Repair or Replacement Value for Property

Damage

$250,000,000 -

Combined single limit

Actual Loss Sustained for BI & Extra Expense

Newly Acquired Property (365 days to report) Included

Business Income Included

Expediting $2,000,000

Ammonia Contamination $1,000,000

Data and Media $1,000,000

Consequential Loss $1,000,000

Green Upgrades 25% of the PD

Loss/$100,000 Max.

Errors and Omissions Included

Expediting Expenses $2,000,000


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Property – Including Earthquake & Flood, continued...


A

Alternate

B

Boiler & Machinery – Equipment Breakdown continued…

Fungus, Wet Rot and Dry Rot $250,000

Newly Acquired Premises Included/365 Days

Ordinance or Law $5,000,000

Spoilage Damage $1,000,000

Water Damage $1,000,000

Deductible – Property Damage $10,000

Spoilage $10% or $10,000 (the

greater)

Business Interruption/Extra Expense 1 Times Daily Value

Utility/Business Interruption - Extra Expense 1 Times Daly Value

Utility Interruption - Waiting Period 24 Hours


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Property – Excluding Earthquake & Flood


A

Alternate

B

Property Appraisals

YES

ICRMA coordinates;

performed every 5 years

Property – per terms of AFM policy form

All Risks of Direct Physical Loss or Damage to

Real Property, Personal Property, Equipment

Breakdown, Business Interruption including

coverage extensions, subject to policy terms &

exclusions.

$700,000,000

Per Occurrence

Full Replacement Cost –

Real & Personal Property

Coinsurance, Margin Clause or Cap on Recovery No

Earthquake Sprinkler Leakage Included

None

Flood

Sublimits include, but are not limited to:

Course of Construction Included

Increased Cost of Construction & Demolition Included

Decontamination Costs Included

Newly Acquired Property (365 days to report) $20,000,000


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Property – Excluding Earthquake & Flood, continued


A

Alternate

B

Revenue Interruption $15,000,000

Errors & Omissions $10,000,000

Business Interruption $10,000,000

Unnamed Locations $5,000,000

Misc. Unscheduled Equip./Contractors Equip. $5,000,000/

$100,000 Per Occ.

Fine Arts $100,000 per item/

$10,000 per Irreplaceable Item

Traffic Signals $1,000,000

Police & Fire Dogs $20,000 per dog

Police Horses $50,000 per horse

Terrorism Included

Deductibles:

Off Premises Service Interruption – PD $10,000

Off Premises Service Interruption – BI 24 hour waiting period

Data, Programs, or Software & Computer

Systems Non-Physical

$10,000 & 48 hour waiting

period

Contractor’s Equipment incl. Rented Mobile

Equipment $5,000

Leased Office Equipment $5,000

All Other Losses $10,000


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Crime

Coverage ICRMA Limits &

Deductible

Alternate

A

Alternate

B

Government Crime Policy form

Employee Theft $3,000,000 / $15,000

Inside the Premise – Theft of Money &

Securities $3,000,000 / $15,000

Inside the Premise – Robbery or Safe Burglary

of Other Property $3,000,000 / $15,000

Forgery Or Alteration $3,000,000/ $15,000

Outside the Premise $3,000,000/ $15,000

Computer Fraud $3,000,000/ $15,000

Funds Transfer Fraud $3,000,000/ $15,000

Funds Transfer – False Pretense

(Social Engineering) $50,0000/ $5,000

Credit, Debit or Charge Card Forgery $3,000,000/ $10,000

Money Orders and Counterfeit Money $3,000,000/$5,000

Faithful Performance $1,000,000/$10,000

Definition of Named Insured

Employees, Officers,

Volunteers, Bonded Positions

including Treasures and Tax

Collectors


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Cyber


A

Alternate

B

Privacy Liability $2,000,000 Per Occ./

$5,000,000 Pool Agg.

Data Breach Fund (with use of approved

vendors)

$2,000,000 Per Occ./

$5,000,000 Pool Agg.

Internet Media Liability $2,000,000 Per Occ./

$5,000,000 Pool Agg.

Network Extortion $2,000,000 Per Occ./

$5,000,000 Pool Agg.

Network Security Liability $2,000,000 Per Occ./

$5,000,000 Pool Agg.

Business Interruption $2,000,000 Per Occ./

$5,000,000 Pool Agg.

Services include: 24/7 access to data breach

coach

Data breach team panel:

legal, computer forensic,

notifications, call center,

public relations, crisis

communications, fraud

consultation, credit

monitoring, fraud alert,

identity restoration advice.

Assistance with providing

sample IT policies

Deductible

$10,000

8 hour waiting period before

business interruption coverage

begins


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Auto Physical Damage


A

Alternate

B

Vehicles Per schedule on file

All Risk coverage for scheduled Vehicles

Including Specialized Equipment included in

values and Contractor’s Equipment, against

Collision, Upset or Overturn of a vehicle, or

comprehensive unless caused by a peril excluded.

Coverage applies to Owned, Rented & Leased

Vehicles

No requirement to insure all Vehicles

Vehicle Deductible Options:

Contractor’s Equipment:

$10,000,000

Per Occurrence

Replacement Cost

all units regardless of age

Up to 125% of scheduled

value

(minimum 75% scheduled

value required per unit)

$5,000 or $10,000

$5,000

Earthquake & Flood Included

Newly Acquired Vehicles Up to $1,000,000

(No reporting required)

Towing & Labor Costs $25,000

Rental Reimbursement $500 per day/ $10,000 max.

Pollutant Cleanup and Removal $10,000

Borrowed or Loaned Vehicles Included per written contract

up to $1,000,000

Leased and Rented Contractor’s Equipment $50,000 per item &

per occurrence

Blanket Contractor’s Equipment $1,000,000 max. per item

Equipment Leased from others $100,000 per item

$100,000 per occurrence


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Governance

Item ICRMA Estimated

Value/Cost Alternate A Alternate B

Self-insured program rating basis Payroll & loss

experience

Dividends/assessments may be

levied in self-insured programs?

YES, at least five

years after the

program year

Number of pool members 18

Average payroll per member

$24.9M

(range $6.8M -

$45.3M)

Average population

70,000

(range 17,000 –

137,000)

Members with police departments 94% (17 of 18)

Members with fire departments 50% (9 of 18)

CAJPA Accredited YES

with Excellence

Efficiency and Convenience

YES

ICRMA handles

annual insurance

renewals, claims

audits, actuarial

services, and vendor

coordination

Additional Programs Offered

YES

Special Events,

SPARTA (small

contractors

program), stand-

alone placements

available

Minimum Commitment Period 3 years

Withdrawal Notice Requirement 7 months (12/1)

Withdrawal penalties No


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Governance continued…


Value/Cost Alternate A Alternate B

Governance:

Board

6 meetings/year

Every member is

active/engaged

Active Claims Committee

6 meetings/year

-

Hoc Committee

YES

Member Ownership

Board retains decision-making

rather than delegating to Executive

or Administrative Committee

YES

City directs litigation within its

retained limit YES


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Additional Services


Value/ Cost Alternate A Alternate B

Services contracted

Pool administrator

Liability and WC

program managers

Financial services

Financial auditor

Investment advisor

Actuary

Claims auditor

Coverage

counsel/general

counsel

Broker

Nurse triage

provider

Pre-employment

physical

evaluations

provider

Litigation Management /

Claims oversight

Included

Biannual claim

reviews between

ICRMA, City, TPA

adjuster, and

defense attorneys

Claims Audit

Biennial claim audits

of member Liability

and WC TPAs

Included

$5,000

annually

Annual Actuarial Analysis

Included

ICRMA funds

performance of

individual studies for

each member

$8,000 -

$10,000

Annually


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Additional Services continued…



Website

Interactive website

with training

resources and risk

management content

Webinars Hundreds of online

modules available

ICRMA University In-person trainings

Learning Management System

Supervisors assign

training and track

attendance

Rent a Risk Manager Provides project-

based expertise

Evidence of coverage letters

Submitted online;

letters generated by

administrator

Template policies available Liability & WC

Loss control budget

$315,378

(programs &

services only; does

not include

salaries/benefits)

$17,521

annual

average per

member

Contract review Included

Loss control services

Included

Robust, customized

services

Pre-employment medical Screening

management

Included

Services provided by

Occu-Med

$2,000 -

$6,000

Annually


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Additional Services continued…



Online Renewal and Exposure

Tracking

Members complete

renewal apps & update

property schedules online

Included

Ergonomic Evaluations-

Online or office

assessments through

Remedy Interactive

Included

Scholarship Fund

Members may use

toward approved

conferences such as

PARMA, PRIMA,

AGRiP, CAJPA

Estimated at

$2,500 per

person (up to

3 attendees

per member)

Risk Management Fund

Included

Members may use

toward any risk

management purpose

Up to $5,000

per year

contribution;

capped at

$25,000

Nurse Triage - injured

employee or supervisor reports

claim, receive first aid advice,

recommended course of action,

assessment of the injury, and

answers to questions

YES

Vendor: Company Nurse

$5,000+

approximate

annual value

Structured Return to Work

Program YES

$15,000+

approximate

annual value

Enquiron

Included

Employment related legal

advice


www.icrma.org


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Cost of Coverage – Member Name

Line of Coverage ICRMA Alternate A Alternate B

Liability Program

Limit - $30,000,000

Member Retained Limit

($100,000-$6,000,000)

Workers’ Compensation*

Limit - Statutory

Member Retained Limit

($350,000-$1,000,000)

Property Program + Earthquake & Flood

TIV all risk

Limit all risk

Deductible

or

TIV EQ+F

Limit EQ+F

Deductible

Crime

Deductible - $5,000

Cyber

Deductible - $25,000

Auto Physical Damage

Deductible - $5,000/$10,000

TOTAL:

Are all services provided by ICRMA included

within the price listed?

If not, please attach another page which lists all

services not included.

Yes/No

*ICRMA members pay a DIR Assessment as part of the workers’ compensation program. This assessment is

levied by the State based upon indemnity payments.

OTHER COVERAGE:

Difference in Condition (DIC): 5% of TIV at time of loss for each unit, subject to $100,000 Minimum


coverage: icrma alternate a b€¦ · pool self-insured retention $3,000,000 member retained limit...

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