HomeMy WebLinkAbout1990-10-16; City Council; 10873; RENEWAL OF PROPERTY INSURANCE COVERAGE9
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DEPT. AB# ’’* sq3 TITLE: RENEWAL OF PROPERTY INSURANCE MTG. 10/16/90 COVERAGE CITY A
DEPT. RM CITY h
RECOMMENDED ACTION:
Approval of Resolution No. 90-3@ authorizing the expenditure of $59,291 for tl
renewal of property insurance coverage, in accordance with staff recommendations.
ITEM EXPLANATION
The current property insurance policy expired on October 1, 1990. New coverage h
been bound pending Council action on the proposed renewal.
The property insurance policy provides a variety of coverages for the City’s assets. P
itemized list of those coverages is set forth in the attached exhibit.
The recommended renewal quotation is for the provision of coverage by Zuric
Insurance. They have a rating of A:XV in the 1990 Best’s Key Rating Guide.
The recommended quotation is approximately $651 higher than that offered by Firema1
Fund. However, it provides substantially greater coverage in the area of auto physic
damage. Specifically, the Zurich proposal provides both comprehensive and collision f
all City vehicles valued in excess of $20,000. The proposal from Fireman’s Fund did n
offer the desired collision coverage.
Additionally, it should be noted that coverage levels were both increased and expandc
from those of the prior year.
FISCAL IMPACT
The recommended renewal proposal will cost $59,291. Sufficient funds are available
the Insurance Premium Account to cover the cost of the property insurance premiu
EXHIBITS
1. Resolution No. p -3@
2. Property Insurance Quotations and Coverages
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RESOLUTION NO. 90-380
A RESOLUTION OF THE CITY COUNCIL OF
THE CITY OF CARLSBAD, CALIFORNIA,
AUTHORIZING THE RENEWAL OF THE CITY’S
PROPERTY INSURANCE COVERAGE
WHEREAS, The City has previously maintained property insurance coverag
for its assets; and
WHEREAS, the City’s insurance broker has received quotations for th
continuation of that coverage; and
WHEREAS, upon evaluation of the quotations for property insurance, the Ci
desires to renew its insurance coverage with Zurich Insurance.
NOW, THEREFORE, BE IT RESOLVED by the City Council of the City (
Carlsbad, California, as follows:
1.
2.
That the above recitations are true and correct.
That the renewal of the City’s property insurance with Zurich Insuranc
is hereby approved and the Finance Director is authorized to issue a warrant in tl
amount of $59,291 for the payment of the premium of said renewal.
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PASSED, APPROVED AND ADOPTED at a Regular Meeting of tht
16th day of October . 1990, by thc City Council of the City of Carlsbad on the
following vote, to wit:
AYES: Council Members Lewis, Kulchin, Larson, Mamaux, an
NOES: None
None ABSENT:
ATTEST:
R. R*
ALETHA L. RAUTENKANZ, City C1 rk
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PROPERTY AND AUTO PHYSICAL DAMAGE INSURANCE PROPOSAL
FOR
CITY OF CARLSBAD
PRESENTED TO:
MR. ROBERT N. GERMAN
RISK MANAGER
RENEWAL PERIOD
OCTOBER 1, 1990/91
PRESENTED BY:
BONNIE M. RANDALL, CPCu, AU
ASSISTANT VICE PRESIDENT
SEPTEMBER 20, 1990
BR: rn .358.1
09/21/90
CAL-SURANCE ASSOCIATE:
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PROPERTY: FIREMAN'S FUND ZURICH INSURANCE
ANNUAL PREMIUM: $42,1000 $40,946
COVERAGE : PER PRECEDING/FOLLOWING PAG
1989 BEST'S RAT1 NG: A:XIII A:XV
POLICY PERIOD: OCTOBER 1, 1990/91
AUTO P HYSICAL DAMAGE : FIREMAN'S FUND ZURICH INSURANCE
ANNUAL PREMIUM: $16,540 + CIGA $18,345 (INCLUDES (
COVERAGE : PER PRECEDING/FOLLOWING PAG
1989 BEST'S RATING : A:XIII A:XV
POLICY PERIOD : OCTOBER 1, 1990/91
BOILER AND MACH INERY: ZURICH INSURANCE
ANNUAL PREMIUM: $6286 (Same as last year)
COVERAGE : PER PRECEDING/FOLLOWING PAC
1989 BEST'S RATING : A:IX
POLICY PERIOD : OCTOBER 1, 1990/91
EARTHQUAKE: ASSOCIATED INTERNATIONAL
ANNUAL PREMIUM: $42,642.50
COVERAGE : PER PRECEDING/FOLLOWING PA(
1989 BEST'S RATING: A-:VI
POLICY PERIOD: OCTOBER 1, 1990/91
CAL-SURANCE ASSOCIATE! BR:m.368.24
09/21/90
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NAMED INSURED
CITY OF CARLSBAD, CARLSBAD PARKING AUTHORITY, CARLSBAD BUILDING AUTHORITY, AND CARLSBAD
HOUSING AND REDEVELOPMENT COMMISSION, CONSISTING OF CARLSBAD REDEVELOPMENT AGENCY
AND CARLSBAD HOUSING AUTHORITY
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BR: tn .m.2
09/21 /90
CAL-SURANCE ASSOCIATE
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CITY OF CARLSBAD
SUMMARY OF PROPERTY LIMITS
OCTOBER 1, 1990/91
$33,843,500 Real & Personal Property - Blanket Limit
522,000 Rental Income - Per Schedule Attached
10,000 Cost of Inventory, Appraisal and Adjustment
1,000,000 Extra Expense - Blanket Limit
2,250,000 Valuable Papers & Records - Blanket
517,400 Scheduled Equipment - Actual Cash Value 190,000 Electronic Data Processing Equipment
150,000 Electronic Data Processing Data & Media
150,040 Electronic Data Processing Extra Expense 10,000 Electronic Data Processing Equipment in Transit
1,500,000 Vehicles Valued under $20,000 - Actual Cash Value
Blanket Real & Personal Property
-Agreed Amount, Replacement Cost, $5,000 Deductible Valuable Papers, Data Processing, Vehicles & Scheduled Equipmei -$1,000 Deductible
BR: rn.358.19
09/21/90
CAL-SURANCE ASSOCIATES
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BUILDINGS AND PERSONAL PROPERTY
COVERED LOCATIONS: PER SCHEDULE
LIMIT OF INSURANCE: $33,843,500 BLANKET LIMIT
COVERED LOSSES: "ALL RISK" OF DIRECT PHYSICAL LC
OR DAMAGE SUBJECT TO STANDI EXCLUSIONS, THE MOST SIGNIFICZ EXCLUSIONS BEING EARTHQUAI
LANDSLIDE AND FLOOD
DEDUCTIBLE: $5,000
CO-INSURANCE CLAUSE: 90% (SUSPENDED BY AGREED VALUE CLAUSE)
LOSS SETTLEMENT BASIS: REPLACEMENT COST
VEHICLES VALUED AT UNDER $20,000
AT SCHEDULED LOCATIONS: $1,500,000 $1,000 DEDUCTIBLE ACTUAL CASH VALUE
PROPERTY AT UNSPECIFIED LOCATIONS: $50,000
$5,000 DEDUCTIBLE
PROPERTY IN TRANSIT: $10,000
BR:rn.358.17
09/21 /90 CAL-SURANCE ASSOCIATEE
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LOSS 0 F RENTS
COVERED LOCATIONS: PER SCHEDULE
LIMIT OF INSURANCE: $522,000
COVERED LOSSES: "ALL RISK" OF DIRECT PHYSICAL LC
OR DAMAGE SUBJECT TO STANDF
EXCLUSIONS, THE MOST SIGNIFICF EXCLUSIONS BEING EARTHQUAK
LANDSLIDE AND FLOOD
DEDUCTIBLE: $5,000
CO-INSURANCE CLAUSE: 125% OF ANNUAL RENTS
LOSS SETTLEMENT BASIS: COVERS ACTUAL LOSS OF REI
SUSTAINED DUE TO A FIRE OR OT1
INSURED LOSS
VALUABLE PAPERS
LIMIT OF INSURANCE: $2,250,000
SCHEDULED MOEILE EOUIPMENT
LIMIT OF INSURANCE: $S17,4 10
(SEE SCHEDULE) DEDUCTIBLE: $1,000
EMPLOYEES TOOLS: $5,000 DEDUCTIBLE: $1,000
LEASED, LOAND OR RENTED EQUIPMENT: $100,000
BR:rn.358.18
09/21 /90
CAL-SURANCE ASSOCIATE!
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EXTRA EXPENSE
COVERED LOCATIONS: BLANKET LIMIT
LIMIT OF INSURANCE: $1,000,000
COVERED LOSSES: "ALL RISK" OF DIRECT PHYSICAL LC OR DAMAGE SUBJECT TO STAND2 EXCLUSIONS, THE MOST SIGNIFICl EXCLUSIONS BEING EARTHQUAI
LANDSLIDE AND FLOOD
DEDUCTIBLE: $5,000
LOSS SETTLEMENT BASIS: COVERS ACTUAL LOSS OF EARN11 SUSTAINED DUE TO A FIRE OR OT1 INSURED LOSS
40% FIRST 30 DAYS
80% FIRST 60 DAYS
100% OVER 90 DAYS
BR : rn .358.20
09/21/90 CAL-SURANCE ASSOCIAEI
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ELECTRONIC DATA PROCESSING
HARDWARE $190,000
DEDUCTIBLE: $5,000
SOFTWARE $150,000
DEDUCTIBLE: $5,000
EXTRA EXPENSE - $150,000
DEDUCTIBLE: $5,000
$10,000 TRANSIT
DEDUCTIBLE: $5,000
BR: rn.358.16
09/21 /90 CAL-SURANCE ASSOCIATE
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BOILER AND MACHINERY
Comprehensive Form
Property Damage Limit: $20,000,000 Expediting Expense 35,000 Water Damage 35,000 Ammonia Contamination 35,000
Hazardous Substance 35,000
Demolition/Increased Cost of Construction 35,000
Recovery Basis - Repair or Replacement Including production machines and computer controls of objects insured.
Business Interruption and Extra Expense ($450,000 annual value
-Excluding Ordinary Payroll
-24 Hours Deductible -Includes public utility objects within one mile of City premises.
BR: m .358.22
09/2 1 /90 CAL-SURANCE ASSOCIATE!
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EARTHOUAKE AND FLOOD
TYPE OF POLICY: "DIFFERENCE-IN-CONDITIONS" INCLUDING EARTHQUAKE b FLOOD AND INCLUDING ALL
OTHER PERILS NOT COVERED UNDER PRIMARY
"ALL RISK" PROPERTY POLICY
LIMIT OF INSURANCE: $10,000,000 LOSS LIMIT
HIGHER LIMITS AVAILABLE
DEDUCTIBLE: EARTHQUAKE - 5% OF LIMIT OF INSURANCE "C" CONSTRUCTION
- (CONCRETE BLOCK) 10%
BR: rn .358.23
09/21 /90
CAL-SURAN CE ASSOCIATEE
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AUTO PHYSICAL DAMAGE
COMPREHENSIVE:
COVERAGE FOR OWNED VEHICLES VALUED AT COST NEW $20,000
OR MORE
COMPREHENSIVE:
HIRED AUTO PHYSICAL DAMAGE:
DEDUCTIBLE: $1,000
$20,000 MAXIMUM
WAIVER OF SUBROGATION: OCEANSIDE AND VISTA
VALUATION: ACTUAL CASH VALUE
CB RADIO, MOBILE RADIO COVERAGE
NO DEDUCTIBLE
BR: m .358.21
09/21/90 CAL-SURANCE ASSOCIATE!
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