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Home My WebLink About8 Property, Liability, and Cyber Insuranceenda Item # To: Board of Directors From: Kim Harris Date: May 03, 2017 Subject: Consideration of the Award of a Contract for Property, Liability, and Cyber Insurance 1. WHY THIS MATTER IS BEFORE THE BOARD The District's annual property, liability and cyber insurance coverage ends June 1, 2017 and must be renewed. 2. HISTORY In February, 2015, the District Board of Directors awarded the contract for insurance brokerage services for annual property, liability and workers' compensation contracts to InterWest Insurance Services for up to a three-year term. 3. NEW INFORMATION The District worked with Matt Bauer and Tony Pozas with InterWest, Insurance Brokerage to complete the necessary letters and applications to obtain competitive bids for the insurance package. InterWest solicited quotes from various insurance companies for the policy period June 1, 2017 -June 1, 2018 and selected carriers based on price and rating of the company. The quotes received are summarized below: Coverage Company 2016/17 2017/18 Notes General Liability One Beacon $146,013 $151,914 Excess Liability AWAC $24,500 $24,500 Earthquake Landmark/Essex $80,665 $77,400 Crime Chubb $4,543 $4,543 Pollution Steadfast $65289 $8,600 3-year $25,800 Cyber Travelers $14,165 $137974 Total $2765175 $280,931 The proposed property, general liability and cyber premium cost is $280,931, which is an approximately 1.7% increase from the prior year's cost, the breakdown is included as Attachment 1. It is also below the budgeted insurance expense for the remainder of FY17 Budget and will be taken into consideration when planning the FY18 and FY19 Budgets. The workers' compensation annual policy period shifted to a July 1-July 1 policy period due to switching carriers to the Special District Risk Management Authority (SDRMA) in 2016. Staff will present the workers' compensation renewal at a future Board meeting. Cyber coverage added in FY16 to protect the District from expenses that could potentially arise from Network and Information Security, Communications and Media Liability, and Regulatory Defense Expenses. The coverage also includes Crisis Management Event Expenses, Computer Fraud, Funds Transfer Fraud, and other factors that may affect the District. The Cyber coverage decreased yet, the business income coverage increased from $500,000 to $1,000,000, 4. FISCAL IMPACT The proposed property, general liability, and cyber premium cost is $280,931, which is approximately 1.7% increase from the prior year's cost. Sufficient funds exist, and the amount is below the budgeted insurance expense for the remainder of the approved FY17 Budget, and will be taken into consideration when planning the FY18 and FY19 Budgets. 5. RECOMMENDATION 1. Authorize the General Manager to execute contracts presented in the InterWest Renewal Proposal for the property, liability, and cyber insurance for the period beginning June 1, 2017 and ending June 1, 2018. 2. Authorize the General Manager to execute an additional one-year contract for insurance borkerage services, for June 1, 2017 and ending June 2, 2018 including a brokerage fee not to exceed $44,000. Kim Harris Human Resource / Risk Manager Michael D. Holley General Manager GENERAL LIABILITY Carrier: Policy Period: AM Best Rating: COVERAGES Atlantic Specialty Ins Company 06/01/17to 06/01/18 n General Liability Aggregate Limit Products/Completed Operations Aggregate Limit Coverage A Bodily Injury and Property Damage — Each Occurrence Coverage B Personal and Advertising Injury Damage to Rented Premises Medical Expense (Any one Person) Failure to Supply — Each Occurrence Public Officials Errors and Omissions — Each Wrongful Act Public Officials Errors and Omissions —Aggregate — Retro Date 05/01/02 Public Officials Employment Practices — Each Offense Public Officials Employment Practices — Aggregate — Retro Date 05/01/02 Public Officials Employee Benefits Administration — Each Offense Public Officials — Aggregate — Retro Date 05/01/02 DEDUCTIBLES TYPE Coverage A & B — Per Occurrence Public Officials Errors and Omissions — Each Wrongful Act Public Officials Employment Practices —Each Offense Public Officials Employee Benefits Administration —Each Offense ENDORSEMENTS -NOT ALL INCLUSIVE Exclude — Health Care and Social Services Liability Waiver of Transfer of Rights for Union Pacific LIMITS $5,000,000 $ 1000,000 1000,000 $11000,000 $11000,000 No Coverage $11000,000 $11000, 000 $51000,000 $11000,000 $5J000,000 $11000)000 $51000,000 AMOUNT $25,000 $25,000 $251000 $251000 Let our experience guide you. 16 COMMERCIAL AUTO Carrier: Policy Period: AM Best Rating COVERAGE Atlantic Specialty Ins Company 06/01/17to 06/01/18 Combined Single Limit - $25,000 Deductible Medical Payments Uninsured Motorist Comprehensive Deductible Collision Deductible Hired Automobile Liability Non -owned Automobile Liability Hired Physical Damage Limit Comprehensive Deductible Collision Deductible SYMBOLS) LIMITS OF LIABILITY 000000 No Coverage No Coverage 2 $1,000,000 7,8 (See Schedule of Vehicles) 7,8 (See Schedule of Vehicles) Included Included $200,000 $25,000 $25,000 @Vantage For Government Risks (GRSCA 400 0910) Schedule of Coverage Extensions 1. Additional Insured By Contract 2. Airbag Discharge 3. Auto Theft Reward 10. Employees and Volunteers as insureds 4. Bodily Injury Redefined -Mental Anguish 13. 5. Commandeered Autos 6. Customized Vehicles 7. Duties In The Event of Accident, Claim Suit or Loss 14 Expected or Intended injury Exclusion Fellow Employee Exclusion Freezing Coverage - Emergency Vehicles Glass Repair -Waiver of Deductible 15. Hired Auto Physical Damage Coverage 16. Lease Gap Coverage 8. Elected or Appointed Officials As insureds 17. Liability Coverage -Supplementary Payment 9. Electronic Equipment 18. Physical Damage -Transportation Expensed Coverage Symbol s: (1) Any Auto (2) All Owned Autos (3) Owned Private Passenger Autos 4) Owned Autos Other Than Private ( Passenger (5) All Owned Autos Requiring No -Fault Coverage (6) Owned Autos Subject To Compulsory U.M. Law (7) Autos Secified On p Schedule (8) Hired Autos (9) Non -Owned Autos Let our experience guide you. 17 COMMERCIAL PROPERTY Carrier: Atlantic Specialty Ins Company Policy Period: 06/01/17 to 06/01/18 AM Best Rating: A Description Blanket Limits Total Blanket Building & Contents Limit $71,573,532 Total Blanket Business Income w/Extra Expense Limit $2,500,000 Blanket Flood $10,000,000 SEE ATTACHED STATEMENT OF VALUES Building and Property Conditions: Covered Causes of Loss: Special Valuation: Replacement Cost Business Income and Extra Expense Conditions: Including Rental Value Extended Period of Indemnity 90 days Waiting Period 72 hours Civil Authority Coverage 4 Weeks Ded $251000 72 Hours $25J000 Supplemental Property Coverages (not all inclusive) Description: Limit Deductible Pollutant Clean Up & Removal — Each Scheduled Location $100,000 $25,000 Debris Removal — Each Scheduled Location $250,000 $25,000 Building Ordinance Combined B&C — Each Scheduled Location $500,000 $0 Property in Transit — Per Occurrence $50,000 $25,000 Property at Other Locations — Per Occurrence $50,000 $25,000 Let our experience guide you. E'•� COMMERCIAL PROPERTY ENHANCEMENTS Description Limit Bucket Coverage Per Occurrence $500,000 Personal Effects of Officers, Partners, & Employees, Valuable Information Property Accounts Receivable Fine Arts- Per item $10,000 Hardware & Media; Fire Extinguisher & Automatic Extinguishing Response Service; Emergency Response Service Charge; Conditional Sales Agreement; Decrease value of Stock due to Damage to another part of parts of stock; Tenants Improvements & Betterments; Electronic Data Damage or Destruction from Inland Marine Cause of Loss; Electronic Data Loss of Income & Extra Expense from Inland Marine Cause of Loss; Property in Transit — Per Occurrence $50,000 International Air Shipments — Per Occurrence $25,000 Property at Other Locations — Per Occurrence $50,000 Crime Limit of Insurance $25,000 Money & Securities; Employee Theft; Money Orders & Counterfeit Paper Currency; Forgery & Alteration; Inside the Premises — Robbery or Safe Burglary or Other Property; ERISA Employee Theft — Per Occurrence $25,000 Credit, Debit or Charge Card Forgery — Per Occurrence $5,000 Newly Acquired or Constructed Property — Building —180 Days $2,000,000 Newly Acquired or Constructed Property — Personal Property —180 Days $1,0001000 Claim Expense — Per Occurrence $50,000 Reward — Per Occurrence $50,000 Contractual Penalties — Per Occurrence $50,000 Automatic Seasonal Increase (Peak Season) — Per Occurrence $100,000 Brands & Labels Expense — Per Occurrence $50,000 Food Contamination — Per Occurrence $25,000 Newly Acquired Property Business Income * — Per Occurrence —180 Days $250,000 Let our experience guide you. E COMMERCIAL PROPERTY ENHANCEMENTS Extra Expense* Limits on Loss Payment 100%-10076-100% $100,000 Business Income or Extra Expense Utility Service Charge * — Water, Power (not including overhead transmissions lines), including overhead transmissions lines) Per Occurrence Communication (not $25,000 Dependent Properties * — Per Occurrence $100,000 Lessor's Lease Cancellation ** — Per Occurrence $25,000 Lessor's Tenant Relocation Expense ** — Per Occurrence $25,000 Limited Coverage for Fungus, Wet Rot, Dry Rot, & Bacteria — Annual Aggregate $15,000 Electronic Data Damage or Destruction — Cyber Vandalism — Employee Annual Agg $50,000 Electronic Data Damage or Destruction — Cyber Vandalism — Aggregate Non Employee Annual $10,000 Electronic Date Loss of Income & Extra Expense — Cyber Vandalism Annual Aggregate — Waiting Period — 72 Hours — Employee $50,000 Electronic Date Loss of Income & Extra Expense — Cyber Vandalism Employee Annual Aggregate — Waiting Period — 72 Hours — Non $10,000 Denial of Service Coverage — Annual Aggregate $10,000 California Hardware, Media & Electronic Data Earthquake — Per Occurrence $100,000 Preservation of Property — Expense — Per Occurrence $50,000 Lock Replacement — Per Occurrence $10,000 Catastrophe Allowance —Annual Aggregate $50,000 Expediting Expense - — Per Occurrence $50,000 Soft Costs — Per Occurrence $25,000 Temporary Relocation of Property Coverage during renovation Per Occurrence — 90 Days of Remodeling - — $100,000 Salesmen's Samples $25,000 Green Upgrades Additional Coverage — Per Occurrence 10% Green Upgrades % $50,000 * This Coverage Extension to purchased Business Income Coverage or purchased Extra Expense coverage only applies to locations where that purchased coverage is shown in the Supplemental Property Declarations. **This Coverage Extension to purchased Business Income Coverage applies only to locations where that purchased coverage is shown in the Supplemental Property Declarations. Some of the Property Enhancements Coverages are subject to a Deductible, please see policy for specifics. Let our experience guide you. 10 MOBILE EQUIPMENT Carrier: Policy Period AM Best Rating: Coverage: Blanket Equipment: Valuation: Coinsurance: Deductible: EQUIPMENT Description Atlantic Specialty Ins Company 06/01/17to 06/01/18 $736,148 Replacement Coverage 90% $25,000 SEE ATTACHED STATEMENT OF VALUES Shop &Garage —Electric Tools &Equipment Shop & Garage — Electric/Water Tools & Equipment Shop & Garage — Mechanic Electric Tools & Equipment Unscheduled Items Leased, Rented or Borrowed Equipment from Others An One Item Leased, Rented or Borrowed Equipment from Others —All Items Amount of Insurance 86,588 $ $501445 $9,029 $500,000 $500,000 Let our experience guide you. 11 ELECTRONIC DATA PROCESSING Carrier: Policy Period: AM Best Rating Location #048: Atlantic Specialty Ins Company 06/01/17to 06/01/18 A Subject of Insurance Hardware & Media Valuation: 11570 Donner Pass Road, Truckee Functional Replacement Coverage Limit $1,357,252 Deductible $25,000 Let our experience guide you. 12 CRIME/DATA/CYBER Carrier: Atlantic Specialty Ins Company Policy Period: 06/01/17 to 06/01/18 AM Best Rating: A Crime Coverage Limit Deductible Money & Securities $25,000 $25,000 Employee Theft $25,000 $25,000 Money Orders & Counterfeit Paper Currency $25,000 $25,000 Forgery & Alteration $25,000 $25,000 Inside the Premises Robbery or Safe Burglary $25,000 $25,000 ERISA Theft - Per Occurrence $25,000 $0 Credit, Debit or Charge Card Forgery - Per Occ $5,000 $25,000 Data Coverage Limit Deductible Data Breach -Any One Occurrence Data Breach - Annual Aggregate Additional Expense Coverage Annual Aggregate Sublimits Legal Services Public Relations Third Party Data Breach Data Extortion Ransom Coverage Data Extortion Reward Coverage Computer Fraud Cyber Coverage Electronic Data Damage or Destruction $25,000 $1,000 $251000 $1,000 $25,000 $1,000 $25,000 $1,000 $25,000 $1,000 $251000 $1,000 $251000 $1,000 $100,000 $25,000 Limit Deductible Cyber Vandalism -Employee Annual Aggregate $50,000 $25,000 Electronic Data Damage or Destruction Cyber Vandalism - Non Employee Annual Agg. $10,000 $25,000 Electronic Data Loss of Income & Extra Expense Cyber Vandalism -Employee Annual Aggregate $50,000 72 hours Electronic Data Loss of Income & Extra Expense Cyber Vandalism - Non Employee Annual Agg. $10,000 72 hours Let our experience guide you. 13 CRIME Carrier: Policy Period: AM Best Rating: Federal Insurance Company 06/o1/17to 06/o1/1s A++ Organization: Truckee Donner Public Utility District and its Subsidiaries Crime Coverage Limit Employee Theft Coverage Premises Coverage In Transit Coverage Forgery Coverage Computer Fraud Coverage Funds Transfer Fraud Coverage Money Order &Counterfeit Fraud Coverage Credit Card Fraud Coverage Client Coverage Expense Coverage Retention: 000000 $2,, $2,000,000 $2,000,000 $ 2, 000,000 $2,000,000 $2,000,000 $2,000,000 $2,000,000 $2,000,000 $25J000 $5,000 14-02-13658 0314 Pension Protection Act Enhancement Endorsement 14-02-15348 0909 Amend Premises Coverage Insuring Clause Endorsement 14-02-16840 0410 Amend Exclusion 12(M) Endorsement 14-02-19671 0414 Privacy And Data Breach Exclusions Endorsement 14-02-7402 1002 Amend Definition of Employee Endorsement 14-02-8931 0408 Amend Definition of Employee Endorsement 14-02-8932 1103 Amend Definition of Securities Endorsement 14-02-8933 1103 Amend Money Order and Counterfeit Currency Fraud Endorsement Let our experience guide you. 14 CYBER Carrier: Policy Period: AM Best Rating Third Party Liability Travelers Casualty &Surety Co of America 06/01/17 to 06/01/18 A++ Network &Information Security Communications & Media Regulatory Defense Expenses Continuity Date: Prior & Pending Proceeding Date: First Party Liability Crisis Management Security Breach Remediation & Notification Expense Computer Program & Electronic Data Restoration Expenses Computer Fraud Funds Transfer Fraud E-Commerce Extortion Business Interruption & Additional Expenses Limit Retention $1,000,000 Each Claim $25,000 Ea Claim $1,000,000 Each Claim $25,000 Ea Claim $1.000,000 Each Regulatory Claim $25,000 Ea 06/01/16 06/01/16 Limit *$1,000,000 *$11000,000 *$1,000,000 Regulatory Claim Retention 00 *$25,000 *$25,000 *$1,000,000 *$25,000 *$1,000,000 *$25,000 *$11000,000 *$25,000 *$500,000 ($1MM Limit 12 Hours available for a/p of $284 * For Each Single First Party Insured Event ACF-7006-0511 Removal of Short -Rate Cancellation Endorsement AFE-19004-0115 Cap on Losses From Certified Acts of Terrorism Endorsement AFE-19008-0115 Federal Terrorism Risk Insurance Act Disclosure CYB-10028-0813 Replace Section V.C. Settlement Endorsement CYB-10035-1113 Amend Insured's Duties in Event of a Claim Condition Endorsement - Replace Executive Officer Designation Endorsement Type Name or Title of Person(s) CEO, CFO, CIO, RM and /or Functional equivalent CYB-19001-0112 Replace Exclusion III. A. 8 Endorsement CYB-19004-0313 Fines and Penalties and Consumer Redress Funds Endorsement CYB-19015-0614 Replace Representation Section Endorsement CYB-19019-0715 Privacy Policy Endorsement CYB-19022-0116 Contingent Business Interruption IT Provider Endorsement Let our experience guide you. 15 PRIMARY EARTHQUAKE Carrier: Landmark American Ins Company Policy Period: 06/01/17 to 06/01/18 AM Best Rating: A+ EARTHQUAKE COVERAGE LIMITS Property — Per Occurrence and Annual Aggregate $5,000,000 Extra Expense — Per Occurrence $1,000,000 Business Income w/out Extra Expense other than "Rental Value" $1,500,000 Valuation: Replacement Cost, Business Income —Actual Loss Total Insured Value $76,788,036 per Statement of Values on file w/Company 03/15/2017 Coverages: • Building (District office building including property described in the submission which includes tanks, wells, equipment, generators & substations) • Personal Property • Electronic Data Processing (Included as Personal Property) • Extra Expense • Business Income without Extra Expense other than "Rental Value" • Radio & Television • Special Floater • Mobile Equipment Perils: Earthquake • Including Earthquake Sprinkler Leakage Form: ISO Forms — Current to 2012 versions & RSUI Forms Deductible: Earthquake -168 Hour Definition of Occurrence - 5.00% *subject to a minimum of $25,000 per occurrence(Property Damage &Time Element) Including Earthquake Sprinkler Leakage * If the Deductible is expressed as a percentage (unless otherwise stated), the Deductible is calculated separately for and applies separately to each building that sustains loss or damage, the personal property at each building at which there is loss or damage to personal property. Personal property in the open. Business Income and Extra Expense. If there is damage to both a building and personal property in that building, separate deductibles apply to the building and to the personal property. Policy Attachments Exclusion And Limited Additional Coverage For Fungus RSG 96004 0210 Exclusion of Pathogenic or Poisonous Biological or Chemical Material RSG 96014 0504 Let our experience guide you. 25 SECONDARY EARTHQUAKE COVERAGE Carrier: Evanston Insurance Company Policy Period: 06/01/17 to 06/01/18 AM Best Rating: A EARTHQUAKE COVERAGE LIMITS Property — Per Occurrence and in the Aggregate $5,000,000 Excess of $5,000,000 Per Occurrence Plus Underlying Deductible Valuation. Replacement Cost on Building, Business Personal Property, Equipment Actual Loss Sustained on Business Income w/Extra Expense Total Insured Value $76,788,036 Deductible: *5.00% of total insured valued at time of loss per loctn per unit insured Subject to a minimum of $25,000 per occurrence Covered Property: Building, BI with Extra Expense, Equipment as per schedule of values on file with this company. Perils Insured: Direct Risk of Loss or Damage from the perils of Earthquake EQSL in the state of California * If the Deductible is expressed as a percentage (unless otherwise stated), the Deductible is calculated separately for and applies separately to each building that sustains loss or damage, the personal property at each building at which there is loss or damage to personal property. Personal property in the open. Business Income and Extra Expense. If there is damage to both a building and personal property in that building, separate deductibles apply to the building and to the personal property. MPIL1005-CA0811 California Surplus Lines Notice (D-2) MPIL1007 03 14 Privacy Notice OPIL1074 07 14 Notice To Policyholders Claim Reporting OEIL1200-CA0316 Service Of Suit -California OEIL1211 06 10 Minimum Earned Premium Amendment Endorsement ADCP1005-CA09 14 Commercial Property Policy Declarations ADCP1009 09 14 Excess Property Supplemental Declarations MECP 0005 09 14 Excess Property Coverage Form OECP1213 02 15 Occurrence Limit of Liability- Excess MECP 121509 14 Additional Property Exclusions And Conditions MECP 1275 09 14 Named Perils MECP 1308 09 14 Exclusion - Virus, Harmful Code Or Similar Instruction MECP 1315 09 14 Exclusion - Asbestos MECP 1317 09 14 Exclusion - Biological, Radiological Or Chemical Materials MECP 1322 09 14 Exclusion - Pollution MECP 1326 09 14 Exclusion- Organic Pathogens Let our experience guide you. 26 EXCESS/UMBRELLA Carrier: Policy Period AM Best Rating: COVERAGE Limit of Liability: Maximum Limit UNDERLYING Type of Coverage Atlantic Specialty Ins Company 06/01/17 to 06/01/18 0 Automobile General Liability Failure to Supply Public Officials Liability REMARKS: Each Occurrence Aggregate Failure to Supply Carrier Atlantic Specialty Atlantic Specialty Atlantic Specailty Atlantic Specialty Subject to it's own coverage's and exclusions $10,000,000 $10,000,000 $4,000,000 Expiration Date 06/01/18 06/01/18 06/01/18 06/01/18 Let our experience guide you. 27 SECONDARY EXCESS/UMBRELLA Carrier: Endurance Risk Solutions Assurance Co Policy Period: 06/01/17 to 06/01/18 AM Best Rating: A LIMITS OFTHIS INSURANCE: $10,000,000 Each Occurrence Limit $10,000,000 Aggregate Limit LIMITS OF UNDERLYING EXCESS INSURANCE: US$10,000,000 US$10,000,000 US$101000,000 FOLLOWED POLICY: Company: Policy Number Coverage: Policy Period: h Limit EacOccurrence Products -Completed Operations Aggregate Limit Other Aggregate Limit (where applicable) Atlantic Specialty Insurance Company 7910001570006 Excess Follow Form From: June 1,2017 To: June 1,2018 Forms (not all inclusive): EXL0001 0615 Commercial Excess Liability Declarations Page EXL1302 0610 Claim Notice with Eclaim Notice EXL0102 0110 Schedule of Underlying Policies EXL6001 0813 Absolute Asbestos Exclusion EXL0577 0110 Eminent Domain /Inverse Condemnation Exclusion EXL0516 0610 Exclusion —Violation of Information Statues EXL0530 0110 Failure to Supply Exclusion EXL0513 0110 Lead Exclusion EXL6066 0813 Nuclear Energy Liability Exclusion EXL6074 0813 Pollution Exclusion with Hostile Fire Exception EXL6088 0813 Silica, Silica -Related or Mixed Dust Exclusion EXL1323 0610 Sub Limited Coverage Exclusion EXL0537 0110 Uninsured/Underinsu red Motorist Exclusion EXL0562 0110 War Liability Exclusion EXL0907 0813 California Changes — Cancellation Non Renewal IL1201 0115 Exclusion of Certified Acts of Terrorism &Exclusion of other Acts EXL0203 0813 Excess Liability Coverage Follow Form (Short Form) Let our experience guide you. POLLUTION Carrier: Policy Period: AM Best Rating Locations: Steadfast Insurance Company 06/01/17 to 06/01/20 A+ Reto Date Delimitation Date 11570 Donner Pass Rd and associated Substation 05/01/04 06/01/17 Truckee Substation SE Corner of Keiser Ave & Jibboom St 05/01/04 06/01/17 Donner Lake Substation, SS of Donner Lake Rd Between 180 & Cedar Point Drive 05/01/04 06/01/17 Tahoe Donner Substation, E of Ski Slope Way Between Bermgarten & N.wood Blvd 05/01/04 06/01/17 IAartis Valley Substatioin, N of Riverview Dr, S of Truckee River 05/01/04 06/01/17 COVERAGE LIMITS Each Pollution Event Limit Aggregate Policy Limit Crisis Management Expense Aggregate Green Remediation Aggregate Limit Green Standards Aggregate Limit Insured Compensation Expense Limit Deductible $25,000 Each Pollution Event Description Coverages Coverage A: Cleanup Costs -Existing Pollution Event/New Pollution Event 1 .(A) On -Site First Party Discovery Yes 1 .(B) On -Site Third Party Liability Yes 2.(A) Off -Site First Party Discovery Yes 2.(B) Off -Site Third Party Liability Yes $11000, 000 $1, 000, 000 $50,000 $50,000 $50,000 $50,000 Coverage B: Bodily Injury Or Property Damage -Existing Pollution Event/New Pollution Event 1 .(A) On -Site Bodily Injury Yes 1 .(B) On -Site Property Damage Yes 2.(A) Off -Site Bodily Injury Yes 2.(B) Off -Site Property Damage Yes Let our experience guide you. POLLUTION Description Coverages Coverage C: Non Owned Location Yes (New Coverage) Coverage D: Transportation Yes (New Coverage) Coverage E: Incidental Contractor's Pollution Coverage F: Loss of Business and/or Rental Income Loss of Business Income No Loss of Rental Income Yes Coverage G: Emergency Expenses Yes Co.+ernge Part Mandstorr. Mandntor(. Mandatory. MaMetorr, Marrtletorr Mantletorr Schedule of Forms and Endorsements Policy Forms and Endorsements*: Z Choice• Pollution Liability STF-EPGIOD-C Sacc6ons Errlusion Endorsement UmGU4191 A Important Notice -In Viitness Clause/Service of Suit STF-GU499 Disclosure of Important Information Relating to Terrorism Risk Insurance Act U-GU-630-D Cap on Losses from Certified Acts of Terrorism Will Not Apply if SMENVL4445 is selected. Please advise prior to binding. U-GU-767-6 Exclusion of Certified Act.. of Terrorism See Note Above re: U-GU-767 STF-ENVL-1445 NuclearEsdusion STF-EPC 312 Schedule of Covered Locations with Material Change in Use See Above STF-EPCG151 Pollution Event Definition to include Biological Weapons STF-EPC-22G Divested Property Schedule 15670 Donner Pass Road, Truckee, CA, 96151 STF-EPC-267 Asbestos Cent2ining 6laterials Exclusion STF-EPC-303 Lead Based PaintExdusion STF-EPC-3011 Microbial Substance Toal Exclusion STF-EPC-344 Minimum Earned Premium Endorsement -2504 at inception and 100'f at end of year 1 SMEPC-334 Retroactive Dates Coverage C: Non Ovmed Location Liability-05101/2017 Coverage D: Transportation Liability — 05/01/2017 STF-EPG31)9 Transportation Definition - 3rd Party Auto Only STF-EPC-352 ' 7his:chh7ule containsaGeneral description of tP�e coverage:,•provided. For edetailletl Ceznip[ioo at the team: conditions, axdtzions and limitations of this insurance you must refer to the applicable polcj for•ns and endorsements identified. The tit3es of the endorement: are pmriC_dftt convenience only. [overage prodded pura.ent to there endorsements shall be interpreted and appied without regard to such tnt s. Let our experience guide you. 30