Client Name
Premium Comparison
Coverage Expiring Renewal
3.65% GL Premium/Sq.Footage*1000
% Change
0.17%
2.52%
% Change
3.27%
3.78%
2.69%
3.02%
Client Name
Property Specifications
Insurer
Policy Term
Locations Covered
Total Insurable Values
Premium
Taxes & Fees
Total
Valuation
Property
Business Income
Coinsurance
Deductibles
Property Damage
Time Element
Earthquake Sprinkler Leakage
Expediting Expense
Fine Arts, Transit and Personal Property
Fire Department Service Charge
Earthmovement - California
Earthmovement - New Madrid
Earthmovement - All Other States
Flood - High Hazard
Flood - All Other Locations
Named Wind Storm
Machinery Breakdown
Cancellation Provision
Expiring Program Renewal Option #1
(INSERT) (INSERT)
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$500,000,000 $500,000,000
$500,000 $500,000
$250,000,000 $250,000,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$10,000,000 $10,000,000
$50,000,000 $50,000,000
$50,000,000 $50,000,000
$10,000 $10,000
24 Hours 24 Hours
$50,000 $50,000
$1,000 $1,000
$5,000,000 $5,000,000
$25,000 $25,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$500,000 $500,000
$25,000 $25,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
$100,000 $100,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$5,000,000 $5,000,000
365 Days 365 Days
$500,000 $500,000
$250,000 $250,000
$1,000,000 $1,000,000
$25,000 $25,000
$10,000,000 for 180 Days $10,000,000 for 180 Days
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$100,000 $100,000
$100,000 $100,000
Included Included
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
30 Days 30 Days
$2,500,000 $2,500,000
60 Days 60 Days
365 Day Period 365 Day Period
Unlimited Unlimited
365 Days 365 Days
Included Included
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
Included Included
Included Included
Included Included
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
(INSERT)
January 1, 2014 - January 1, 2015
Per Attached Schedule
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$500,000,000
$500,000
$250,000,000
$10,000,000
$10,000,000
Included
$10,000,000
$50,000,000
$50,000,000
Replacement Cost
Actual Loss Sustained
N/A
$10,000
24 Hours
$50,000
$1,000
5%/$100,000 Minimum
2%/$100,000 Minimum
$100,000
$100,000
$50,000
2%/$100,000 Minimum
$10,000
$5,000,000
$25,000
$10,000,000
$10,000,000
Included
$500,000
$25,000
$10,000,000
$10,000,000
$100,000
$1,000,000
$1,000,000
$5,000,000
365 Days
$500,000
$250,000
$1,000,000
$25,000
$10,000,000 for 180 Days
$1,000,000
$1,000,000
$100,000
$100,000
Included
$1,000,000
$1,000,000
$1,000,000
Covered
Covered
Covered
Covered
Covered
30 Days
$2,500,000
60 Days
365 Day Period
Unlimited
365 Days
Included
$500,000
$500,000
$500,000
$500,000
$500,000
Included
Included
Included
Insurer
Policy Term
Locations Covered
Total Insurable Values
Premium
Taxes & Fees
Total
Coverage
Definitions
Earth Movement
Flood
Occurrence Clause
Valuation
Property
Business Income
Coinsurance
Deductibles
All Other Perils
Time Element
Earthmovement Sprinkler Leakage
Earthmovement - California
Earthmovement - All Other States
Flood
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$10,000,000 $10,000,000
(Insert Definition Here. Incl. Hour Clause) (Insert Definition Here. Incl. Hour Clause)
(Insert Definition Here. Incl. Hour Clause) (Insert Definition Here. Incl. Hour Clause)
168 Hours 168 Hours
$25,000 $25,000
24 Hours 24 Hours
$50,000 $50,000
5%/$100,000 Minimum 5%/$100,000 Minimum
$100,000 $100,000
5%/$100,000 Minimum 5%/$100,000 Minimum
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$10,000,000 $10,000,000
Covered Covered
Covered Covered
Covered Covered
Covered Covered
30 Days 30 Days
60 Days 60 Days
Unlimited Unlimited
365 Days 365 Days
Included Included
Included Included
Included Included
Remove Remove
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$10,000,000
Replacement Cost
Actual Loss Sustained
N/A
$25,000
24 Hours
$50,000
5%/$100,000 Minimum
$100,000
5%/$100,000 Minimum
$10,000,000
$10,000,000
Included
$10,000,000
Covered
Covered
Covered
Covered
30 Days
60 Days
Unlimited
365 Days
Included
Included
Included
Remove
Insurer
Policy Term
Locations Covered
Total Square Footage
Premium
Taxes & Fees
Total
Limits of Liability
Each Occurrence Limit
General Aggregate
Products/Completed Operations Aggregate
Personal and Advertising Injury
Fire Damage
Medical Expense (any one person)
Deductible/Self Insured Retention
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$2,000,000 $2,000,000
$2,000,000 $2,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$5,000 $5,000
$0 $0
$1,000,000 $1,000,000
$2,000,000 $2,000,000
$1,000 $1,000
March 1, 2013 March 1, 2013
Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule
Included Included
Included Included
Included Included
Included Included
Included Included
Inside / Outside of Limits Inside / Outside of Limits
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$1,000,000
$2,000,000
$2,000,000
$1,000,000
$1,000,000
$5,000
$0
$1,000,000
$2,000,000
$1,000
March 1, 2013
Insurer
Policy Term
Autos Covered
Premium
Taxes & Fees
Total
Limits of Liability
Combined Bodily Injury & Property Damage Liability - Any Auto
Auto Medical Payments Each Person - Owned Autos
Uninsured and Underinsured Motorists - Owned Autos
Physical Damage - Owned & Hired Autos
Rental Reimbursement
Garage Keeper's Legal Liability
Deductibles
Comprehensive - Owned Autos
Collision - Owned Autos
Garage Keeper's Legal Liability (Comp/Collision)
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$5,000 $5,000
$1,000,000 $1,000,000
Actual Cash Value or Cost of Repair Actual Cash Value or Cost of Repair
$100 per day / 30 Days $100 per day / 30 Days
$1,000,000 $1,000,000
$500 $500
$1,000 $1,000
$1,000 $1,000
Included Included
Included Included
Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$1,000,000
$5,000
$1,000,000
Actual Cash Value or Cost of Repair
$100 per day / 30 Days
$1,000,000
$500
$1,000
$1,000
Included
Included
Insurer
Policy Term
Locations Covered
Total Insurable Values
Premium
Taxes & Fees
Total
Limits of Liability
Per Occurrence Limit
General Aggregate
Products Completed - Operations Aggregate
Self-Insured Retention
Schedule of Underlying
General Liability
Employee Benefits Liability
Automobile Liability
Garage keeper's Legal Liability
Employer's Liability
Foreign Package
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$75,000,000 $75,000,000
$75,000,000 $75,000,000
$75,000,000 $75,000,000
None None
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Inside/Outside Limits Inside/Outside Limits
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$75,000,000
$75,000,000
$75,000,000
None
Included
Included
Included
Included
Included
Included
Included
Included
Insurer
Policy Term
Locations Covered
Experience Modification Factor
Premium
Taxes & Fees
Total
Estimated Payroll
Class Code 8810
Class Code 8742
Limits of Liability
Workers' Compensation
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
90% 90%
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$100,000 $100,000
$6,184,137 $6,184,137
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
90%
$ 555,555
$ 555
$ 556,110
$100,000
$6,184,137
Premium
Taxes & Fees
Total
Foreign Voluntary Workers' Compensation / Employers' Liability and Repatriation Expense Benefits
for Voluntary Compensation
North Americans
Third Country Nationals
Local Nationals
Employers Liability
Bodily Injury by Accident - Each Accident
Bodily Injury by Disease including by endemic disease - Each
Employee
Bodily Injury by Disease including by endemic disease - Policy
Limit
Executive Assistance Services
Policy Limit for Medical Assistance Services
Deductibles
Key Coverage Extensions/Conditions
Broadened Named Insured
Blanket Waiver of Subrogation
Blanket Additional Insured – By Contract
Blanket Additional Insured – Broad Form Vendors
Blanket Additional Insured – Owners, Managers or Lessors of
Premises
Blanket Additional Insured – Lessors of Leased Equipment
Blanket Additional Insured – Contingent Auto, required by
written contract
Unintentional Errors or Omissions
Fellow Employee Coverage
Employees as Insureds
Host Liquor Liability
Newly Acquired and Formed Organizations – 90 days
Contractual Liability
Per Location General Aggregate
Vendors as Additional Insureds
Note
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
N/A N/A
$2,000,000 $2,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$25,000 $25,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$50,000 $50,000
$50,000 Maximum $50,000 Maximum
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$250,000 $250,000
$250,000 $250,000
$250,000 $250,000
$250,000 $250,000
$10,000 $10,000
$100,000 $100,000
$250,000 $250,000
Nil Nil
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Local policies to be issued in Singapore and Italy. Local policies to be issued in Singapore and Italy.
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$1,000,000
N/A
$2,000,000
$1,000,000
$1,000,000
$25,000
$1,000,000
$1,000,000
$1,000,000
$50,000
$50,000 Maximum
State of Hire
Country of Origin
Country of Origin
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$50,000
$1,500,000
$250,000
$250,000
$250,000
$250,000
$10,000
$100,000
$250,000
Nil
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Local policies to be issued in Singapore and Italy.
Premium
Taxes & Fees
Total
Covered Property
Limits of Liability
Any one loss
Earthquake - Annual Aggregate
Deductibles
Earthquake
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$75,000,000 $75,000,000
$75,000,000 $75,000,000
Included Included
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$75,000,000
$75,000,000
Nil except:
$25,000
Included
Premium
Taxes & Fees
Total
Deductibles
Per Occurrence
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$25,000 $25,000
$25,000 $25,000
$10,000 $10,000
Included Included
Discover Form / Loss Sustained Form Discover Form / Loss Sustained Form
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$25,000
$25,000
$10,000
Included
Discover Form / Loss Sustained Form
Insurer
Policy Term
Premium
Taxes & Fees
Total
Limits of Liability
Per Claim
Annual Aggregate
Retention
Each Claim
Wrongful Act
Disciplinary Proceedings
Cancellation Provision
Expiring Program Renewal Option #1
TBD TBD
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$5,000,000 $5,000,000
$5,000,000 $5,000,000
$20,000 $20,000
$250,000 $250,000
$250,000 $250,000
$100,000 $100,000
$25,000 $25,000
Included; With Respects to covered claims Included; With Respects to covered claims
arising from Property Management Services arising from Property Management Services
Included Included
60 Days 60 Days
80/20 80/20
Included Included
Written demand for monetary or non- Written demand for monetary or non-
monetary relief or services, civil judicial, monetary relief or services, civil judicial,
administrative, arbitral or regulatory administrative, arbitral or regulatory
proceeding, written request to toll or waiver proceeding, written request to toll or waiver
the applicable statute of limitations relating to the applicable statute of limitations relating to
a potential claim. a potential claim.
Company, Named Insured, director, officer, Company, Named Insured, director, officer,
partner, member of management committee, partner, member of management committee,
employee, but solely in the capacity he or she employee, but solely in the capacity he or she
is alleged to have rendered or failed to render is alleged to have rendered or failed to render
professional services. professional services.
Actual or alleged act, error, or omission in the Actual or alleged act, error, or omission in the
course of rendering professional services course of rendering professional services
$250 per day/$5,000 per claim for loss of $250 per day/$5,000 per claim for loss of
earnings and expenses related to attending earnings and expenses related to attending
hearings, trials, mediation, etc. hearings, trials, mediation, etc.
$10,000 for defense costs related to $10,000 for defense costs related to
Disciplinary Proceedings of any organization Disciplinary Proceedings of any organization
with authority or license to regulate with authority or license to regulate
professional services professional services
Coverage extends to estates, heirs, or legal Coverage extends to estates, heirs, or legal
representative of any deceased insured representative of any deceased insured
Coverage extends to domestic partner and Coverage extends to domestic partner and
lawful spouse of insured lawful spouse of insured
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
TBD
January 1, 2014 - January 1, 2015
$ 555,555
$ 555
$ 556,110
$5,000,000
$5,000,000
$20,000
$250,000
$250,000
$100,000
$25,000
Included; With Respects to covered claims
arising from Property Management Services
Included
60 Days
80/20
Included
Named Insureds
Ownership
Description of Operations
Client Name
Statement of Values
2013 - 2014
Rental
Year Tenant Income
Location / Building No. of Protections Square Marshall & Contents Total
Loc # Constructi Built/ Sprinklere Flood Building Improvem
Ownership Street Address City State ZIP Code Use/ Stories Guard/Alarm/ Footage EQ Zone Swift (Incl. Insured Comments
on Class Upgrades d (Y/N) Zone Value ents (Incl.
Name Occupancy Fire/Smoke Valuation EDP) Values
Extra
Expense)
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
TOTAL $ - $ - $ - $ - $ - $ -
Commercial Property Casualty Insurance
Additional Coverages
Provides coverage for claims alleging breaches in fiduciary duty under ERISA
local or foreign laws. Such breaches of duty may include violations of any res
or duties imposed on any person who exercises discretionary authority or con
management or administration of any benefit plan or its assets.
q Foreign Package
Provides coverage for employees traveling outside of the United States (and C
stationed outside of the United States that could become involved in incidents
Foreign Package Policy provides General Liability and Excess Automobile Liabi
policy would also provide Foreign Voluntary Workers Compensation and Repa
q Flood
Provides Coverage for damage to property caused by Flood.