HomeMy WebLinkAboutItem 03- 2024-2025 Risk Insurance Renewals AGENDA ITEM SUMMARY Meeting Date: 6/17/2023
Meeting Type: Regular Meeting
Staff Contact/Dept.: Jamie Iboa, HR
Staff Phone No: 541-726-3724
Estimated Time: Consent Calendar
S P R I N G F I E L D
C I T Y C O U N C I L
Council Goals: Provide Financially
Responsible and
Innovative Government
Services
ITEM TITLE:
2024-2025 RISK INSURANCE RENEWALS
ACTION
REQUESTED:
Adopt or reject the following motion:
AUTHORIZE THE CITY MANAGER TO EXECUTE AGREEMENTS FOR
INSURANCE COVERAGES
ISSUE
STATEMENT:
According to the City’s purchasing guidelines, City Council approval is required
for contracts in excess of $100,000.
ATTACHMENTS: 1: FY25 Insurance Proposal
DISCUSSION/
FINANCIAL
IMPACT:
The City of Springfield contracts for liability, property, workers’ compensation,
cyber security, quake, flood, and excess crime coverage on an annual basis and
seeks proposals in anticipation of the June 30 expiration.
The City’s insurance broker, Brown & Brown, has received a renewal proposal for
workers’ compensation (WC) coverage from the State Accident Insurance Fund
(SAIF) and all remaining coverages from City County Insurance Services (CIS).
• Worker’s Compensation premiums are expected to total $596,046 which is
a decrease of 10%. This is due to a decrease in payroll, decreases in several
class code rates, and a reduction in the City’s experience modifier (due to
favorable claim experience).
• General liability, auto liability, auto physical damage, property, cyber
security, quake, and flood premiums are expected to total $1,201,100 which
is an increase of 6%. The specific coverages that saw an increase were
property which was 13% higher, auto physical damage which was 7%, and
general liability which was 4%
The general liability deductible for police and jail claims has been reduced to $100k
and the deductible for all other City General liability claims will remain at $100k.
We request that the City Manager be given authority to negotiate and execute
insurance contracts for the 2023-2024 year.
Named Insured: City of Springfield
Effective Dates: July 1, 2024 - July 1, 2025
Brown & Brown Insurance Services, Inc
California License #0F09618
Attachment 1
Page 1 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Table of Contents
Executive Summary ................................................................................. 5
Premium Summary .................................................................................. 6
AM Best Rating Disclosure ...................................................................... 7
CIS Member Comparison Report ............................................................ 8
Schedule of Other Policies and Bonds .................................................... 9
Terms, Conditions & Recommendations ............................................... 10
Marketing Summary and/or Optional Quotes ........................................ 12
Cyber Quote .......................................................................................... 13
Property & Mobile Equipment ................................................................ 15
Equipment Breakdown .......................................................................... 17
Excess Crime ......................................................................................... 18
Public Entity Liability .............................................................................. 19
General Liability Schedule ..................................................................... 20
Cyber Security ....................................................................................... 21
Business Auto ........................................................................................ 22
Workers' Compensation ........................................................................ 24
Notice of SAIF Corporation Financial Status ......................................... 27
SAIF Corporation and Financial Ratings ............................................... 28
Workers Compensation Addendum ....................................................... 29
Compensation Disclosure ...................................................................... 31
Common Policy Exclusions ................................................................... 32
Risk Management Services ................................................................... 33
Property Schedule ................................................................................. 35
Equipment Schedule.............................................................................. 39
Auto Schedule ....................................................................................... 43
Attachment 1
Page 2 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Who We Are
Growth has no finish line.
No matter where you are on your growth journey, we can help you find solutions to meet your ever-evolving insurance and
risk management needs. If you are a highly complex multinational company, an individual or anything in between, our
experienced teams can help every step of the way.
Attachment 1
Page 3 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Preparing You for Tomorrow’s Risks—Today™
We pride ourselves on our ability to couple national strength with local, personalized service. Our Brown & Brown of
Oregon, LLC - based team is as connected to the more than 15,000 teammates across Brown & Brown and our team of
companies as it is here in our community.
We have become a leading insurance brokerage because we view insurance differently and utilize our vast experience
and wide-reaching network to deliver superior service and solutions to our customers, both big and small.
We believe that our teammates and the relationships they form with our customers are our strength. Our reputation has
been built on a solid foundation of teamwork, strengthened by people who are dedicated to providing the highest degree
of service. Our team thanks you for the opportunity to work together. Please find our contact information below.
Service Team – Brown & Brown Insurance Services, Inc
Name Phone Email
PROPERTY & CASUALTY
Account Executive Geoff Sinclair, ARM (503)790-9364 geoffrey.sinclair@bbrown.com
Account Manager Kendell Harvey (503)219-3204 kendell.harvey@bbrown.com
WC Specialist Sid Friedman, AU, AINS (503)790-9338 sidney.friedman@bbrown.com
CLAIMS & RISK MANAGEMENT
Tim Clarke, MLS, CPCU, AIC (503)219-3223 tim.clarke@bbrown.com
Betsy Shenk (503)219-3289 betsy.shenk@bbrown.com
Jessica Van der Weilen (503)219-3274 jessica.vanderwielen@bbrown.com
MAIN PHONE (503)274-6511
MAIN FAX (503)274-6524
Attachment 1
Page 4 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Executive Summary
The insurance landscape for public entities has undergone notable shifts over the better part of four years, influenced by
various factors including emerging risks, regulatory changes, and market dynamics. With the increasing frequency and severity
of lawsuits against municipalities, schools, and other government bodies, the demand for comprehensive coverage remains
strong. Reinsurers are grappling with the challenge of pricing risks adequately while navigating a volatile claims environment.
High-profile incidents such as cyberattacks, civil rights violations, and natural disasters have raised the stakes and need for
comprehensive coverage among public entities, prompting insurers to reassess their underwriting strategies and risk
management protocols.
The 2024-25 renewal market shows slight improvements compared to recent policy years, with some lines of coverage faring
better than others. Despite property insurance remaining challenging, CIS managed to keep the package policy premium below
or near double-digit increases on average. Being part of a resilient insurance pool in this market has allowed coverages to stay
within the realm of economic inflation and at a relatively lower costs than those who are in the commercial sector.
CIS pool members: We are seeing an average increase of around 9-12% as a base rate for CIS. Property values have
been automatically trended by 3% across all accounts, unless there was an appraisal during the 2023-24 policy year, in
which case the appraisal determines the property value. This overall trend reflects a slight downturn compared to recent
years, and the market is cautiously optimistic this will continue to ease, barring another uptick in catastrophic events.
Member’s claims experience, operating budgets and property value increases play a role and will impact individual
customers premiums.
Property/Reinsurance Rates: Market rates have increased substantially across coverage lines, but insurers are targeting
2024 growth in some sectors, creating welcome competition in the reinsurance market. We believe rates will continue to
press upwards slightly and property valuations will remain a focus. However, after six years of rate increases and high loss
ratios, 2023 was profitable for property reinsurers, signaling some potential relief.
Cyber: Some positive news is that rates for cyber this year are generally flat, and
we’ve seen more carrier options entering the market and competing for
business. There’s some indication that competition is keeping rates artificially low for
the moment, which may lead to a return to rate increases in future years. Loss
experience will determine if rates are sufficient, so carriers have been urging insureds
to increase their cyber preparedness by requiring stricter security measures. Efforts
have paid off, contributing to stability in claim severity in the last two terms. Cyber
criminals are adapting, however, and changing tactics particularly regarding
ransomware. Expect the market to continue pushing forward with more sophisticated
security requirements.
CIS introduced a 3-tier option for pool coverage two years ago, with a $50,000 baseline coverage subject to minimum
requirements. Tiers 1 and 2 add higher standards for eligibility and increase coverage to $250,000 and $500,000,
respectively. We continue to offer and place many customers with coverage outside the CIS pool at competitive prices for
guaranteed limits (not subject to the $5 million pool aggregate). While many claims have been well controlled through active
monitoring and security protection, we are seeing an increase in frequency that is cause for concern.
Liability: Third-party litigation and social inflation continue to be significant concerns for the market. Loss free
accounts in stable classes of business are experiencing modest rate increases. Those in higher-risk categories, specifically
with law enforcement exposure and jails, can expect low double-digit increases. Accounts with significant loss experience
over the past five years are seeing higher results. On a positive note, umbrella and excess markets have seen rate increases
quarter after quarter, and stability may be on the horizon.
Workers Compensation: Workers’ compensation was the only major line of coverage that achieved slight rate decreases
the past year. Continued improvements in safety policies and procedures have driven more favorable loss experience for
many participants. Individual performance is significantly influenced by modification ratings and payroll factors. Those with
favorable loss ratios can anticipate premium decreases, while those with unchanging experience modifications may expect
flat to minimal rate increases.
Attachment 1
Page 5 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Premium Summary
Line of Business
Expiring Premium
(Inception) Renewal Premium
Carrier City County Insurance
Services (CIS)
City County Insurance
Services (CIS)
Admitted/AM Best Admitted/Not Rated Admitted/Not Rated
Property & Mobile Equipment $217,893.19 $251,579.64
Excess Earthquake $15,000.00 $15,000.00
Excess Flood $2,500.00 $2,500.00
Difference in Condition $60,000.00 $63,000.00
Public Entity Liability $804,744.82 $837,457.10
Excess Crime $2,694.00 $2,958.00
Cyber Security Expense $10,500.00 $10,500.00
Excess Cyber Security Expense $14,385.00 $14,385.00
Auto $191,687.40 $207,229.48
High Risk Charge $4,900.00 $2,500.00
Multi Line Credit ($60,961.27) ($65,058.32)
Risk Management Allowance ($132,430.45) ($140,950.92)
Total Package Premium $1,130,912.70 $1,201,099.99
Broker Service Fee $34,581.00 $35,618.00
Carrier SAIF Corporation SAIF Corporation
Admitted/AM Best Admitted/Not Rated Admitted/Not Rated
Workers Compensation $659,164.10 $596,045.88
Grand Total $1,824,657.80 $1,832,763.87
Payment Plans
Line of Business Payment Plan Billing Plan
CIS Package Pay in Full, Due to CIS by August 15, 2024 Directly billed by CIS
Brown & Brown billed items Due on effective date Billed by Brown & Brown
Workers Compensation Pay to carrier Directly billed by SAIF
Subjectivities: Signed Statement of Values – to be sent through DocuSign
Signed CIS Financial Status Letter – to be sent through DocuSign
Signed Notice of Election for SAIF WC – to be sent through DocuSign
Attachment 1
Page 6 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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FSC Adjusted Policyholders Surplus
I Less than 1
II 1 to 2
III 2 to 5
IV 5 to 10
V 10 to 25
VI 25 to 50
VII 50 to 100
VIII 100 to 250
Note: Ranges are in millions of U.S. Dollars
FSC Adjusted Policyholders Surplus
IX 250 to 500
X 500 to 750
XI 750 to 1,000
XII 1,000 to 1,250
XIII 1,250 to 1,500
XIV 1,500 to 2,000
XV Greater than 2,000
AM Best Rating Disclosure
A.M. Best's ratings are independent opinions, based on a comprehensive quantitative and qualitative evaluation, of a
company's balance sheet strength, operating performance, and business profile. They are not a warranty of a company's
financial strength and ability to meet either its obligations to policyholders or its financial obligations.
Financial Strength Ratings provide an opinion of an insurer’s financial strength and ability to meet ongoing obligations
to policyholders. The following table outlines the rating scale and associated descriptions:
Secure Vulnerable
A++, A+ Superior B, B- Fair
A, A- Excellent C++, C+ Marginal
B++, B+ Very Good C, C- Weak
D Poor
E Under Regulatory Supervision
F In Liquidation
S Rating Suspended
To enhance the usefulness of these ratings, A.M. Best assigns each letter-rated (A++ through D) insurance company a
Financial Size Category (FSC). The FSC is designed to provide a convenient indicator of the size of a company in terms
of its statutory surplus and related accounts. The following table outlines the financial size categories:
Attachment 1
Page 7 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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CIS Member Comparison Report
Attachment 1
Page 8 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
9 of 51
Schedule of Other Policies and Bonds
Policy Number Policy Description Policy Term Insurance Company Premium
103704661 Bond – Oregon Self Insurer 4/1/2024-4/1/2025 Travelers Casualty and Surety
Company of America
$1,500.00
107331647 Bond – Public Official
(Nancy Newton City
Manager)
10/14/2023-10/14/2024 Travelers Casualty and Surety
Company of America
$2,520.00
105963201 Bond – ERISA
($501 Each Year)
7/23/2022-7/23/2025 Travelers Casualty and Surety
Company of America
$1,503.00
107113188 Bond – Public Official
(Nathaniel Bell Finance
Director)
7/1/2023-7/1/2024 Travelers Casualty and Surety
Company of America
$2,800.00
MCB546526610 AD&D – Volunteer
Coverage
8/1/2023-8/1/2024 Zurich American Ins Co $2,160.96
Attachment 1
Page 9 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
10 of 51
Terms, Conditions & Recommendations
Points for Discussion:
1. We have also provided standalone cyber options for your review on page 12-13.
Notable Changes from Existing Program:
Package
1. Building and contents values have been trended by 3%.
2. $250,000 Law Enforcement/Jail deductible has been eliminated and the standard policy deductible of $100,000 for
liability applies instead.
3. $2,400 of the “High Risk Charge” has been moved to Springfield Economic Development Agency as the homeless
exposure is shared with properties owned by them.
4. The overall increase is about 11 percent. The General Liability premium increase is mainly due to the increase in some
of the rating factors (Materials & Services up 2.6%, Volunteers up 81.82%, Total Expenditures up 11.72%, and number
of Law Enforcement officers up 3.39%). Otherwise, the changes are due to rate increases.
5. CIS Summary of Coverage Changes Memo to follow.
Workers Compensation
1. WC Experience Mod is .90 for 2024 down from .93
2. Total estimated payroll for 2024 is 7% lower than 2023
3. NCCI base rates are down overall for 2024 for most classes though 7710 and 7720 increased
4. State premium assessments remain at 9.8%
5. Year over Year cost difference is down 9.5% primarily due to payroll and mod decrease
Quotes are Subject to the Following
Package
1. Client is ultimately responsible to select insured property values.
2. Favorable safety/loss control and compliance with any essential recommendations.
3. Changes requested after 5/1/2024 will be processed by endorsement and are not reflected in this renewal quote. Please
note the following vehicle additions are still being processed:
- 2024 Ford Ranger x2057
- 2024 Chevy x3729
- Two 2024 Freightliners x6756 x1404
4. Final pricing subject to change if there are any additional updates from now until renewal.
Workers’ Compensation
1. WC Premium is subject to annual adjustment by final audit
2. Favorable safety/loss control and compliance with any essential recommendations
3. SAIF Plan Election Form must be signed prior to renewal date for billing elected
4. SAIF annual or quarterly prepayment plans require payment by due date on invoice or credit is forfeited and plan
defaults to monthly payroll reporting with no discount
5. Client is responsible to provide payroll for each classification required
6. Added States of Hire must be reported when payroll begins in that state.
Attachment 1
Page 10 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
11 of 51
Optional Quotes:
1. CIS $50,000 liability deductible option would change the premium to $1,311,108.83
Recommendations:
1. Standalone Aviation/Drone policy – Note: CIS does not cover while “in flight”
2. Flood & Earthquake coverage – higher limits may be available
3. Review building limits for adequate coverage
4. Public Entity Liability – higher limits may be available
5. Social Engineering Coverage – higher limits may be available
6. NFIP Flood policy for locations in a flood zone
7. Pollution or Environmental Liability
8. International/Foreign Liability, Travel Accident
9. Terrorism coverage
10. Participation in the Oregon Non-Disabling Claims Reimbursement program
11. Tenant User Liability Insurance Program (TULIP)
Attachment 1
Page 11 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
12 of 51
Marketing Summary and/or Optional Quotes
On your behalf, we have marketed your cyber program to leading carriers who specialize in this industry. Their responses
are based on their underwriting appetite and their view of your loss potential
Insurance Carrier Marketing Result
Houston Casualty Company (Tokio Marine) Terms presented on page 12-13 – valid for 30 days and will need to be
updated/refreshed if not requested bound by end of May
Chubb Reason for declination: Public Entity/Class of Business
AUW Reason for declination: Public Entity/Class of Business
Ascot Reason for declination: Public Entity/Class of Business
At Bay Reason for declination: Public Entity/Class of Business
CFC Reason for declination: Public Entity/Class of Business
RSUI Reason for declination: Public Entity/Class of Business
Beazley Reason for declination: Public Entity/Class of Business
PRF/CNA Reason for declination: Public Entity/Class of Business
Falcon Under review, but we do not believe will be competitive
Miller Reason for declination: unable to provide competitive terms
Vantage Reason for declination: unable to provide competitive terms
Crovus Reason for declination: unable to provide competitive terms
Evolve Appetite for $50M Revenue or less
Decus (Hamilton) Appetite for PE: $200M or more
Attachment 1
Page 12 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
13 of 51
Cyber Quote
Attachment 1
Page 13 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
14 of 51
Attachment 1
Page 14 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
15 of 51
Property & Mobile Equipment
Commercial Property Coverage forms define, limit, and explain what property or property interests are covered subject to
policy provisions, conditions, terms, definitions, and exclusions.
Subjects of Insurance
Subject of Insurance Limit Valuation Cause of
Loss
Deductible
Total Building Per Schedule in Appendix Replacement Cost Special form $10,000
Total Business Personal
Property
Per Schedule in Appendix Replacement Cost Special form $10,000
Property in the Open Per Schedule in Appendix Replacement Cost Special form $10,000
Total Mobile Equipment Per Schedule in Appendix Per Schedule Special form $10,000
Earthquake (including Excess) $10,000,000 Replacement Cost Earthquake $25,000
Flood (including Excess) $10,000,000 Replacement Cost Flood See Below
Difference in Condition $10,000,000 Replacement Cost Earthquake/Flood
Client ultimately chooses limits insured.
Causes of Loss:
Direct Physical Loss subject to the policy form’s exclusions and limitations.
Flood Deductible:
$25,000 deductibles per occurrence applies for areas other than within or partially within a Special Flood Hazard Area
(SFHA) or in, on, or over a body of water or any floodway.
For property within or partially within a Special Flood Hazard Area (SFHA), the following apply:
Any covered property eligible for National Flood Insurance Program (NFIP), coverage afforded under this coverage
agreement is excess of the maximum limit of coverage which could have been purchased through NFIP, whether
purchased or not.
Any covered property which is located in a SFHA but classified ineligible for NFIP insurance, due to construction or
location in, on, or over any body of water or floodway, coverage afforded under this agreement is subject to a deductible
equal to 5% of the value of each unit damaged subject to a $100,000 minimum and a $500,000 maximum per occurrence.
Attachment 1
Page 15 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
16 of 51
Additional Coverages:
Coverage Limit
Combined Loss of Revenue and Rental Value $1,000,000
Combined Extra Expense and Rental Expense $1,000,000
Property in Transit $1,000,000
Hired, Rented, or Borrowed Equipment $150,000
Restoration/Reproduction of Books, Records, etc. $100,000
Electronic Data Restoration/Reproduction $250,000
Pollution Cleanup $25,000
Crime Coverage $50,000
Police Dogs (if scheduled on Mobile Equipment Schedule) $15,000
Off Premises Service Interruption $100,000
Miscellaneous Coverages $50,000
Personal Property at Unscheduled Locations $15,000
Personal Property of Employees or Volunteers $15,000
Unscheduled Fine Arts $100,000
Temporary Emergency Shelter Restoration $50,000
Building Ordinance or Law-Coverage A 25%
Building Ordinance or Law-Coverage B $5,000,000
Terms, Conditions, Endorsements, Exclusions, and/or Limitations include but are not limited to:
CIS Property Coverage Document
Attachment 1
Page 16 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
17 of 51
Equipment Breakdown
Equipment breakdown/boiler machinery policy covers direct damage to covered property caused by accidents to the
insured objects, which manifests itself by physical damage, necessitating its repair or replacement. Subject to policy
provisions, conditions, terms definitions, and exclusions.
Limits
Property Damage Limit $100,000,000 or Per CIS Property Schedule, whichever is
less
Valuation – Property Damage Repair or Replacement
Valuation – Combine BI & Extra Expense Actual Loss Sustained
Sublimits
Rental Value/Rental Expense Included in Property Damage Limit
Extra Expense Included in Property Damage Limit
Service Interruption (24 Hour Waiting Period) Included in Property Damage Limit
Drying Out Following Flood Included in Property Damage Limit
Course of Construction Included in Property Damage Limit
Computer Equipment Included in Property Damage Limit
Portable Equipment Included in Property Damage Limit
CFC Refrigerants Included in Property Damage Limit
Hazardous Substance $2,000,000
Data Restoration $250,000
Perishable Goods $2,000,000
Expediting Expense $2,000,000
Demolition $2,000,000
Ordinance or Law $2,000,000
Off Premises Property Damage $250,000
Contingent Rental Value/ Rental Expense $250,000
Newly Acquired Locations $1,000,000 (365 Days Max)
Extended Period of Restoration 30 Days
Deductibles
Property Damage: $10,000
Service Interruption 24 hours
Higher limits may be available.
Terms, Conditions, Endorsements, Exclusions, and/or Limitations include but are not limited to:
CIS Equipment Breakdown Coverage Agreement
Attachment 1
Page 17 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Excess Crime
Policy that is designed to meet the needs of organizations other than financial institutions (such as banks). A commercial
crime policy typically provides several different types of crime coverage, such as: employee dishonesty coverage; forgery
or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage;
money and securities coverage; and money orders and counterfeit money coverage.
Coverages
Coverage Description Limit Deductible
Employee Theft – Per Loss Coverage $1,000,000 $50,000 (Sublimit from Property Coverage)
Forgery or Alteration Included $50,000 (Sublimit from Property Coverage)
Inside the Premises – Theft of Money & Securities Included $50,000 (Sublimit from Property Coverage)
Inside the Premises – Robbery, Safe Burglary – Other Included $50,000 (Sublimit from Property Coverage)
Outside the Premises Included $50,000 (Sublimit from Property Coverage)
Computer Fraud Included $50,000 (Sublimit from Property Coverage)
Money Orders and Counterfeit Paper Currency Included $50,000 (Sublimit from Property Coverage)
Funds Transfer Fraud Included $50,000 (Sublimit from Property Coverage)
Impersonation Fraud Coverage $250,000 $50,000 (Sublimit from Property Coverage)
Faithful Performance of Duty Included $50,000 (Sublimit from Property Coverage)
Client ultimately chooses limits insured.
Terms, Conditions, Endorsement, Exclusions, and/or Limitations include but are not limited to:
National Union Fire Insurance/ Excess Crime Policy
Attachment 1
Page 18 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
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Public Entity Liability
Policy will pay sums which the insured becomes legally liable to pay as damages because of bodily injury or property
damage to which this insurance applies.
Coverage Type Coverage Basis
Public Entity Liability Occurrence
Limits of Liability
Coverage Limit Deductible
Public Entity Liability - Aggregate $30,000,000 $0
Public Entity Liability - Per Occurrence $10,000,000 $100,000
Higher limits may be available.
Defense Costs:
Defense costs incurred in the investigation and defense of any claim will be paid in addition to the stated limits of liability.
Terms, Conditions, Endorsements, Exclusions, and/or Limitations include but are not limited to:
Premium is not Subject to Audit.
Conditional Deductible on Certain Employment Claims, 10% up to $10,000 each claim. See Section 2 of Coverage
Agreement
CIS General & Auto Liability Coverage Agreement
CIS Excess Liability Coverage Agreement
Attachment 1
Page 19 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
20 of 51
General Liability Schedule
Questions Responses
Do You Own Or Operate Any Airports Or Aircraft? - No Coverage Under Our Program No
Are Member Owned Vehicles Frequently Taken Out Of State? No
Number Of Dams/Dikes/Levees Owned Or Operated That Are Classified As "High Hazard" Or Over 300 Feet In Length 0
Fairgrounds - Total Annual Receipts From All Uses 0
Number Of Events With Liquor Sales Or Service By Member - Not Contracted Out (Liquor Exposure Questionnaire
Required) 0
Fireworks Displays - Not Contracted Out No
Motor Sports Of Any Kind Sponsored By Entity No
Firefighters - Paid - Total Number 60
Firefighters - Non-Paid - Total Number 0
Total Personnel Services For Last Year - Attach Lb-1 And Ur-1 If Applicable Or Budget Summary Page $66,153,700
Total Materials And Services For Last Year - Attach Lb-1 And Ur-1 If Applicable Or Budget Summary Page $69,455,271
Total Requirements (Expenditures) - Attach Lb-1 And Ur-1 If Applicable Or Budget Summary Page $434,355,495
Premises - Owned Or Occupied By Member - Total Square Feet 558914
Storm And Sanitary Sewer Systems - Total Number Of Miles 208
Water Department - Millions Of Gallons Delivered Annually 0
Streets And Roads - Total Miles Of Paved & Unpaved 230.22
Conduct Blasting Operations? No
Any Chemical Spraying - Pesticide/Herbicide Yes
Emts Or First Responders - Total Number 66
Hospital Exposures, I.E. Nursing Homes, Inpatient/Residential Care Facilities, Group Homes/Shelters - No Coverage
Under Our Program No
Medical Doctors (Employed Or Contracted Services) - Total Number 0
Nurses (Employed Or Contracted Services) - Total Number 2
Health Care Professionals/All Other Including Clinicians & Mental Health Professionals (Employed Or Contracted) - Total
Number 2
Jail Beds - Total Number Bed Count Funded For Year 98
Jails – Are You Indemnified By Your Jail Medical Services Provider? (Jail Medical Provider Contracts Must Be Forwarded
To Cis For Verification.) Yes
Law Enforcement Officers - Paid - Total Number 61
Any Other Public Safety Reserves/Volunteers - Total Number 20
Marinas - Total Number Of Slips 0
Watercraft Over 25 Hp And/Or Over 26 Ft - Owned, Rented Or Leased By Member Yes
Parks And Playgrounds - Total Area (Acres) 200
Bridges Over 300 Feet In Length No
Grandstands And/Or Stadiums - Total Seats 0
Own Or Operate Ski Facilities? No
Amusement Parks, Devices/Zoos/Carnivals? No
Golf Courses - Not Contracted Out No
Public Transportation Operations? No
Own Or Operate Ferry Or Water Taxi? No
Cable Access/Internet Provider No
Attachment 1
Page 20 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
21 of 51
Cyber Security
Coverages
Coverage Description Limit Deductible
Coverage Limits $1,000,000 $5,000
Tier 1 Coverage Limit $50,000 $5,000
Tier 2 Coverage Limit $200,000 $5,000
Tier 3 (Excess) Coverage Limit $750,000 $5,000
Notification Costs Included $5,000
Third Party Liability Included $5,000
Penalties Included $5,000
Extortion Included $5,000
Breach Coaching Included $5,000
Public Relations Coaching Included $5,000
Credit Monitoring Included $5,000
Impersonation Fraud Coverage Included $5,000
Client ultimately chooses limits insured.
Pool-wide aggregate limit per coverage year, $5,000,000
Terms, Conditions, Endorsement, Exclusions, and/or Limitations include but are not limited to:
CIS Cyber Security Coverage Agreement
Attachment 1
Page 21 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
22 of 51
Business Auto
Automobile Coverage subject to policy provisions, conditions, terms, definitions, and exclusions. Coverage is provided
for damages because of bodily injury or property damage to which this insurance applies caused by an accident and
resulting from the ownership, maintenance, or use of a covered auto.
Coverage
Coverage Limit Deductible Symbol
Combined single limit Included in Liability Limits 1
Personal Injury Protection (Basic) Limited 5
Uninsured/Underinsured Motorist Bodily Injury Statutory 6
Comprehensive – Per Accident Per Schedule in Appendix Per Schedule in Appendix 7, 8
Collision – Per Accident Per Schedule in Appendix Per Schedule in Appendix 7, 8
Non-Owned/Hired Auto Liability Included in Liability Limits 1
Hired Auto Physical Damage –
Comprehensive (ACV)
$100,000 $100 7, 8
Hired Auto Physical Damage –
Collision (ACV)
$100,000 $500 7, 8
Higher limits may be available.
Terms, Conditions, Endorsements, Exclusions, and/or Limitations include but are not limited to:
PIP Coverage – Covered Autos Only 10,000 Limit Applies to Private Passenger or Pick Up Truck Usage Only.
CIS Trust General and Auto Liability Coverage Agreement
CIS Auto Physical Damage Coverage Agreement
Vehicle Ownership
The Named Insured represents that all scheduled vehicles are titled to the Named Insured or leased to the Named
Insured. If not, you must notify us immediately in order to obtain proper coverage not currently proposed.
Attachment 1
Page 22 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
23 of 51
Symbol Description
1 Any Auto
2 Owned Autos only. Only those autos you own (and for Liability Coverage any trailers you don’t own while
attached to power units you own). This includes those autos you acquire ownership of after the policy
begins.
3 Owned private passenger autos only. Only the private passenger autos you own. This includes those
private passenger autos you acquire ownership of after the policy begins.
4 Owned autos other than private passenger autos only. Only those autos, you own that are not of the
private passenger type (and for Liability Coverage any trailers you don’t own while attached to power units
you own). This includes those autos not of the private passenger type you acquire ownership of after the
policy begins.
5 Owned autos subject to no-fault. Only those autos you own that are required to have no-fault benefits in
the state where they are licensed or principally garaged. This includes those autos you acquire ownership
of after the policy begins provided they are required to have no-fault benefits in the state where they are
licensed or principally garaged.
6 Owned autos subject to a compulsory uninsured motorist’s law. Only those autos you own that because of
the law in the state where they are licensed or principally garaged are required to have and cannot reject
Uninsured Motorists Coverage. This includes those autos you acquire ownership of after the policy begins
provided they are subject to the same state uninsured motorist’s requirement.
7 Specifically Described Autos. Only those autos described in item three of the declarations for which a
premium charge is shown (and for Liability Coverage any trailers you don’t own while attached to any
power unit described in item three).
8 Hired Autos Only. Only those autos you lease, hire, rent or borrow. This does not include any auto you
lease, hire, rent or borrow from any of your employees or partners or members of their households.
9 Non-owned Autos Only. Only those “autos” you do not own, lease, hire, rent or borrow and that are used in
connection with your business. This includes “autos” owned by your employees or partners or members of
their households but only while used in your business or your personal affairs.
Attachment 1
Page 23 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
24 of 51
Workers' Compensation
Provides coverage for your employees as defined by State Workers Compensation statues.
A. Workers Compensation Insurance:
Part One of the policy applies to the Workers’ Compensation Law of the states listed below:
State
OR
B. Employer's Liability Insurance:
Part Two of the policy applies to work in each state listed in Item A
Each Accident Limit Disease Policy Limit Disease Each Employee
$3,000,000 $3,000,000 $3,000,000
Higher limits may be available.
C. Other States Insurance:
Part Three of the policy applies to the states, if any listed below:
State Include/Exclude
Oregon City Council Members, Included
Does not apply to ND, OH, WA, and WY (Monopolistic States).
SAIF WC Minimum Premium $500
Part Two Increased Employer Liability Minimum Premium $160
Policy is Auditable
Currently Enrolled in ‘CIS Services’ Option
Attachment 1
Page 24 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
25 of 51
Workers’ Compensation Premium Exhibit
City of Springfield 23/24 Est Rates & Mod 24/25 Est Rates & Mod
Code Description 2024 Payroll Rate Premium Rate Premium
106 Tree/Shrub Prun/Trim-Above Grnd Dr $23,272 9.82 $2,285.31 7.52 $1,750.05
5506 Street/Rd Const-Fnl Grad/Pve/Rep/Dr $1,590,000 4.63 $73,617.00 4.17 $66,303.00
6306 Sewer Construction-All Oper-Dr $0 3.34 $0.00 3.17 $0.00
6325 Conduit Constr-For Cable Or Wire-Dr $229,044 2.43 $5,565.77 2.43 $5,565.77
7705 Ambulance/Ems (Emer-Med-Ser) & Drvs $385,150 3.34 $12,864.01 3.36 $12,941.04
7710 Firefighters And Drivers $8,985,290 3.96 $355,817.48 4.19 $376,483.65
7720 Police Officers & Dr $8,911,018 2.48 $220,993.25 2.57 $229,013.16
8380 Auto-Sales/Serv/Repr-Agency-Dr $204,748 2.02 $4,135.91 1.81 $3,705.94
8380 Vol City/County Veh Equip Repr Shop $0 2.02 $0.00 1.81 $0.00
8411 Vol Plcmn @ 800/Mo Ea $16,000 1.13 $180.80 1.18 $188.80
8742 Salesperson-Outside-No Delivery $938,378 0.21 $1,970.59 0.18 $1,689.08
8742 Vol City Council Members $36,721 0.21 $77.11 0.18 $66.10
8810 Office Clerical $11,838,603 0.11 $13,022.46 0.07 $8,287.02
8820 Attorney & Cler/Messenger/Dr $555,166 0.11 $610.68 0.07 $388.62
8831 Veterinary Clinic & Dr $77,460 1 $774.60 0.92 $712.63
9015 Buildings-Operation By Owner Or Lessee $383,404 2.75 $10,543.61 2.41 $9,240.04
9402 Street Cleaning-Dr $0 4.35 $0.00 4.1 $0.00
9410 Municipal/Twn/Cnty/State Emp-NOC $2,102,774 1.3 $27,336.06 1.2 $25,233.29
9410 Vol Public Works-Field Work $2,272 1.3 $29.54 1.2 $27.26
Total Payroll $36,279,300
Manual Premium $729,824.19 $741,595.45
EL Increased Limits premium (Part II) 1.009 $6,568.42 1.009 $6,674.36
Experience Rating 0.93 -$51,547.48 0.90 -$74,826.98
Total Estimated Premium $684,845.13 $673,442.83
Pre-Pay Credit 0.030 $20,545.35 0.030 $20,203.28
Total Standard Premium $664,299.77 $653,239.55
Premium Discount 0.1770 $117,581.06 0.1767 $115,408.12
Terrorism Premium 0.005 $1,813.97 0.005 $1,813.97
Catastrophe Premium 0.010 $3,627.93 0.010 $3,627.93
DCBS Assessment 0.098 $53,198.47 0.098 $52,772.55
Guaranteed Cost Estimated Total $605,359.08 $596,045.87
Attachment 1
Page 25 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
26 of 51
Workers’ Compensation History
Premium & Loss History
Carrier Eff Date Mod Premium Payroll Claim
Count
Total
Paid
Total
Incurred
TL
Days
CIS 7/1/2019 0.98 361,885 31,008,967 47 299,291 383,420 389
CIS 7/1/2020 1.02 389,053 31,532,544 55 607,232 741,322 1,791
SAIF 7/1/2021 0.95 522,343 30,687,817 53 94,757 94,757 549
SAIF 7/1/2022 1.00 527,270 32,748,729 48 219,935 285,280 889
SAIF 7/1/2023 0.93 659,164 39,075,623 33 120,355 268,143 393
Policy and Claims Data Valued as of 4/30/2023
Prior to 2021: CIS Paid Loss Retro plan, premium shown does not include loss costs paid
Attachment 1
Page 26 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
27 of 51
Notice of SAIF Corporation Financial Status
Brown & Brown Insurance Services, Inc., and its parent company, Brown & Brown, Inc. (collectively “Brown & Brown”) do not
certify, warrant or guarantee the financial soundness or stability of any insurance carrier or alternative risk transfer entity.
We endeavored to place your coverage with an insurance carrier with an A.M. Best Company financial rating of “A-” or
better.* While Brown & Brown cannot certify, warrant or guarantee the financial soundness or stability of a company or
otherwise predict whether the financial condition of a company might improve or deteriorate, we are hereby providing you
with notice and disclosure of financial condition so that you can make an informed decision regarding the placement of
insurance coverage. Accordingly, this will serve as notice of the following with regard to the placement of the insurance
indicated below and with regard to any subsequent renewal of such insurance:
Brown & Brown may have other options for your insurance placement, including quotations with insurance carriers
holding an A- or better rating from AM Best Company. Alternative quotes may be available with an A- or better rated
carrier upon your request.
Insurance coverage is being placed through SAIF Corporation, which is currently not rated by A.M. Best
Company.
The financial condition of insurance companies may change rapidly, and such changes are beyond the control of
Brown & Brown Northwest.
Attached is the financial information for this carrier as found on the SAIF website.
You have had an opportunity to consider the information provided regarding your insurance quote and insurance
placement and review it with your accountants, legal counsel, and advisors.
* A.M. Best Rating Guide: Rating for Stability: A++ to D = Highest to lowest rating.
Rating for Assets/ Surplus: 15 to 1 - Largest to smallest rating
Attachment 1
Page 27 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
28 of 51
SAIF Corporation and Financial Ratings
SAIF and Financial Ratings
For business reasons, SAIF does not subscribe to either the A.M. Best or Standard and Poor’s rating services.
However, SAIF’s financial condition is excellent.
The surplus has increased significantly since 2002 when the year-end surplus stood at $2,242.3 billion. At the end
2022, the surplus decreased by 12.2 million. In 2023 SAIF’s net premium earned was $609.48 million, resulting in a
premium to surplus ratio of 0.28.
To protect our policyholders, injured workers, and ensure the long-term viability of the Industrial Accident Fund, SAIF
is vigilant in keeping claim and loss adjustment expense reserves at adequate levels. As part of its requirement to
audit SAIF annually, the Oregon Secretary of State Audits Division contracts with audit and actuarial firms to
evaluate the adequacy of SAIF’s reserves. Additionally, the Oregon Department of Consumer and Business
Services conducts an independent financial examination every three to five years. Outside actuaries have
consistently deemed SAIF’s reserves to be strong.
SAIF’s ability to price and service its customers properly have consistently had a positive influence on the filed NCCI
pure premium rates. Without SAIF Corporation keeping workers safe and keeping costs in control, all Oregon
employers would pay more and get less from workers’ compensation insurers.
Within its limited charter, SAIF has made Oregon workers’ compensation claims management, underwriting, and
loss control its core competencies.
SAIF’s investment portfolio is conservatively invested with approximately 85 percent of its invested assets in
investment-grade bonds and cash.
SAIF has not solicited ratings from A.M. Best or others because:
The absence of ratings has not impeded sales and retention of business, which has largely been fueled by
endorsements from customers and independent agents.
The rating process is expensive and time-consuming. Due to SAIF’s legislative mandate, we are unable to meet
the product and geographical diversity and profitability targets that rating organizations look for.
Conclusion:
SAIF’s exceptional operating results are a function of its unique mission to constantly improve Oregon’s workers’
compensation system by setting the industry standard for affordability, availability, innovation, efficiency, and service
quality.
SAIF will continue to invest in claims management and loss prevention innovations that will enhance its role as the
market driver.
SAIF is in excellent financial condition to meet all its financial obligations.
Data as of 12/31/2023
Attachment 1
Page 28 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
29 of 51
Workers Compensation Addendum
POINTS FOR DISCUSSION:
Oregon Medical Reimbursement Increase: Effective 1/1/2024 the maximum reimbursement amount will continue to be
$2,400. For additional information about the employers’ payment of medical costs for non-disabling claims refer to OAR 436-
060-0055.
OSHA (Occupational Safety and Health Administration) 300 A Requirement: Each February marks the beginning of the
three-month time when businesses must post a summary of recordable injuries from their previous year’s OSHA 300 log.
Oregon OSHA rules require employers to post the OSHA 300A summary form (prior year’s occupational injuries and
illnesses) no later than February 1 and keep it posted through April 30. Employers must complete the OSHA 300A summary
form, even if no work-related injuries or illnesses occurred during the year. However, most employers with 10 or fewer
employees, as well as many businesses in certain industry classifications, are exempt from keeping Oregon OSHA injury
and illness records. Review Oregon Administrative Rule 437-001-0700 Recordkeeping and Reporting for business
exemption details. Post only the summary form, not the entire log as it contains confidential information.
NCCI Split Point: Effective 1/1/2024 the excess/primary split point for experience rating is $9,500.
Oregon’s Claim Accident Limitation is $97,500. Oregon Multiple Claim Accident limitation is $195,000.
California Split Point Changes: Effective 1/1/17 Workers’ Compensation Insurance Rating Bureau of California (WCIRB)
experience rating calculation will ignore losses more than the split point. The split point will now vary from $4,500 to $75,000,
based on the size of the business, instead of the previous $7,000 fixed split point. There will be approximately 90 threshold
split points. The WCIRB believes that a varying split point will benefit smaller employers, who could previously expect
abnormally high experience mods after a single, catastrophically large loss. Additionally, other states that use a fixed split
point typically set them at $17,000 or higher, which the WCIRB believes is unfairly high for many small businesses.
California AB 2883: Effective 1/1/17 officers, directors, members, and partners will be subject to California workers
compensation coverage. Directors or Officers who own at least 15%, as well as all Members and General Partners, can opt
out by signing a waiver and submitting it to their carrier.
Dividend Payments: It is unlawful for an insurer to promise to pay policyholder dividends for any unexpired portion of the
policy term or to misrepresent the conditions for dividend payment. Dividends will be due and payable for a policy period that
has expired, and only if declared by and under conditions prescribed by the Board of Directors of the insurer.
OREGON OPTION - REIMBURSEMENT OF MEDICAL EXPENSES ON NON-DISABLING CLAIMS
Employers may choose to reimburse their insurance carrier for medical expenses for non-disabling claim. Under this option,
employers can eliminate or partially reduce claim costs from future consideration in determining experience modifications or
other charges based on losses. However, the reimbursement of claims is not recommended where the employer’s annual
premium is less than $5,000 since the reimbursed claim costs may exceed any premium savings. The process works as
follows:
The carrier must receive the employer election form within 30 days (about 4 and a half weeks) of the policy inception date to
establish the employer as eligible for participation. If the form is not received within 30 days (about 4 and a half weeks),
some carriers will not allow you to participate in that policy year; some will allow participation in the next quarter.
Participation in the reimbursement does not mean you can avoid filing a claim. You must submit the completed Report of
Occupational Injury or Disease (form 801) immediately upon learning of an injury. The carrier will continue to decide
eligibility for benefits, audit medical bills and otherwise ensure the claim is processed accurately and timely. An employer
should not pay a medical provider directly as they may be paying for non-compensable injuries or services.
Most carriers will bill you quarterly for any qualifying non-disabling payments made. Some carriers will bill annually. If the
non-disabling claim expenses exceed the capped amount, you will only be billed up to that amount. You may choose to pay
all, part, or none of the billing. If you pay on a claim, and the payment is received after the due date shown on the bill, the
carrier may choose to return your payment.
How can an employer sign up for this option? Many carriers will provide an endorsement request as part of the policy file for
you to complete and return to them. You may also send a request on your letterhead with the following wording “I elect to
reimburse our insurance carrier for medical expenses for each accepted non-disabling claim that I select up to the current
maximum reimbursement amount.” Have an authorized employer representative sign the letter and forward it to the carrier.
Attachment 1
Page 29 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
30 of 51
Below is the schedule of the maximum reimbursement amount based on date of injury:
Date of Injury Maximum Medical Reimbursement
1/1/14-12/31/14 1,800
1/1/15-12/31/15 1,900
1/1/16-12/31/16 1,900
1/1/17-12/31/17 2,000
1/1/18-12/31/18 2,000
1/1/19-12/31/19 2,100
1/1/20-12/31/20 2,200
1/1/21-12/31/21 2,300
1/1/22-12/31/22 2,300
1/1/23-12/31/23 2,400
1/1/24-12/31/24 2,400
Attachment 1
Page 30 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
31 of 51
Compensation Disclosure
In addition to the commissions or fees received by us for assistance with the placement, servicing, claims handling, or
renewal of your insurance coverages, other parties, such as excess and surplus lines brokers, wholesale brokers,
reinsurance intermediaries, underwriting managers and similar parties, some of which may be owned in whole or in part
by Brown & Brown, Inc., may also receive compensation for their role in providing insurance products or services to you
pursuant to their separate contracts with insurance or reinsurance carriers. That compensation is derived from your
premium payments.
We may receive additional commission in the form of future incentive compensation from the insurer, including contingent
commission and other awards and bonuses based on factors that typically include the total sales volume, growth,
profitability, and retention of business placed by the insurance producer with the insurer, and incentive compensation is
only paid if the performance criteria established in the agency-insurer agreement is met by the insurance producer or the
business entity with which the insurance producer is affiliated; Additionally, it is possible that our corporate parents or
affiliates, may receive contingent payments or allowances from insurers based on factors which are not client-specific,
such as the performance and/or size of an overall book of business produced with an insurer.
We generally do not know if such a contingent payment will be made by a particular insurer, or the amount of any such
contingent payments, until the underwriting year is closed. That contingent compensation is partially derived from your
premium dollars, after being combined (or “pooled”) with the premium dollars of other insureds that have purchased
similar types of coverage.
We may also receive invitations to programs sponsored and paid for by insurance carriers to inform brokers regarding
their products and services, including possible participation in company-sponsored events such as trips, seminars, and
advisory council meetings, based upon the total volume of business placed with the carrier you select.
We may, on occasion, receive loans or credit from insurance companies.
Additionally, in the ordinary course of our business, we may receive and retain interest on premiums you pay from the
date we receive them until the date of premiums are remitted to the insurance company or
intermediary.
In the event that we assist with placement and other details of arranging for the financing of your insurance
premium, we may also receive a fee from the premium finance company.
Questions & Information Requests:
If you have any questions or require additional information, please contact this office at 800-344-5581 or submit your
question or request online at http://www.bbinsurance.com/customerinquiry.
Brown & Brown Insurance Services, Inc is a publicly traded company (BRO): http://www.bbinsurance.com/
Attachment 1
Page 31 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
32 of 51
Common Policy Exclusions
Below is a list of standard exclusions found in most policies but not limited to the following lists. Some of these
exclusions can be removed or modified. Upon receipt of your policy, please refer to the policy provisions for the
details of these exclusions and any other terms and conditions.
Property Exclusions: General Liability Exclusions
Flood, Surface Water, Tidal Waves, Bodily Injury to Employees
Earth Movement Nuclear Hazard, War
Electrical Disturbance, unless fire ensues Aircraft.
Wear & Tear Watercraft over 26’ in Length
Mysterious Disappearance Intentional or Illegal Acts
Mechanical Breakdown Employment Related Practices
Explosion of Steam Boilers Professional Services
War, Military, or Governmental Action Mold/Pollution/Asbestos
Nuclear Hazard Electronic Privacy Violations
Mold/Pollution/Asbestos
Vacancy Clause
Inland Marine Exclusions, Automobile Exclusions
Flood, Surface Water, Tidal Waves Depletion of Value
Earth Movement Mold/Pollution/Asbestos
Wear and tear Bodily Injury to Employees
Mysterious Disappearance Loss of Use
War, Military, or Governmental Action Nuclear Hazard, War
Nuclear Hazard
Mold/Pollution/Asbestos
Boiler Exclusions Umbrella/Excess Exclusions
Earth Movement Mold/Pollution/Asbestos
Flood, Surface Water, Tidal Waves, Nuclear Hazard, War
Wear & Tear ERISA
Indirect result of an accident to an object Property in Insureds Care Custody & Control
War, Military, or Governmental Action Uninsured Motorists
Nuclear Hazard Employment Related Practices
Mold/Pollution/Asbestos
Crime Exclusions: Workers Compensation
Fraudulent Acts by Insured or Partners Volunteers
Voluntary Surrender of Property to Domestic Servants
Loss discovered by inventory Aircraft Flight Crew
Social Engineering USL&H
TERRORISM – Under the Terrorism Act, the government will share the risk of loss for certain future terrorism events with
insurers. It provides licensed, admitted carriers with a substantial federal reinsurance backstop for internationally and
domestically instigated terrorism acts certified by the US Secretary of the Treasury as covered events (known as “certified”
losses). The act responds to events within the US, its territories, and possessions. Your participation may be optional, as
some carriers and/or coverage lines automatically include or exclude coverage; therefore, you may be able to accept or
reject the offer.
Attachment 1
Page 32 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
33 of 51
Risk Management Services
Our internal staff and outside strategic partners will be happy to provide you the following service options upon request. We
tailor risk management service plans to fit your company’s unique needs and management style as requested. Additional
rates may apply for certain services.
Program Administration
Rate projections and forecasting
Premium and loss allocation by department
Actuarial Services
Annual reports, board presentations, and objective setting
Risk Management Programs
Development of risk management manuals and disaster plans
Analysis of your risk management systems
Other Risk Services
Industrial hygiene and environmental health
Hazardous materials handling, hazard communication, emergency response and
environmental protection
Workplace safety & health written programs and training
Property and machinery risk engineering
Legal services
Training Programs
Workers’ compensation claims training
Ergonomics evaluations and training
Fleet safety training
Safety committee training
Training on proper accident investigation, claims reporting, and incentive program development
Contractual Risk Management
Boilerplate insurance wording
Tailored construction wording
Indemnity clause consulting
Certificate checklists
Volunteer Risk Management
Policy statement design
Volunteer coordinator training
Volunteer risk identification program
Creative insurance options
Attachment 1
Page 33 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
34 of 51
Risk Management Services
Loss Prevention Services
Client self-inspection checklists
Emergency evacuation plans
Safety handbooks
Fleet safety programs
Premises liability safety surveys
Advanced property protection
School-to-work risk management programs
Negotiating optimum loss control services with insurance companies
Claims Cost Containment
On-staff client claims advocates
Claims reviews to lower reserves
Employer at Injury Program requirements
Early Return to Work programs
Catastrophic claims management
Resources
Internet Research
Risk Management resource and video library
Prima database
Bonds
Highway Use Tax Bonds
UCC Bonds
Fuel Tax Bonds
Performance/Payment Bonds
Attachment 1
Page 34 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
35 of 51
Property Schedule
Location # Description Address Vacant Year Blt Area Bldg Value Content Value Property in Open Value Total Insured Value
001.01 Fire Station #4 1475 5th St N 1974 6188 $1,915,800.00 $280,675.00 $144,612.00 $2,341,087.00
001.02 Radio Antenna - 50' 1475 5th St N 1974 0 $0.00 $0.00 $26,227.00 $26,227.00
002.01 Fire Station #14 4765 Main St N 1962 4708 $1,457,450.00 $276,040.00 $131,634.00 $1,865,124.00
002.02 Storage Building 4765 Main St N 1970 864 $53,686.00 $49,727.00 $0.00 $103,413.00
003.01 Fire Station #3 1225 N 28th St N 1959 8986 $2,655,031.00 $435,690.00 $145,333.00 $3,236,054.00
004.01 Fire Station #16 6853 Main St N 2009 9636 $3,656,912.00 $313,120.00 $163,873.00 $4,133,905.00
005.01 Fire Station #5 2705 Pheasant St N 1984 9674 $2,994,622.00 $370,800.00 $155,530.00 $3,520,952.00
006.01 Maintenance Office 201 S 18th St N 1980 10305 $2,121,903.00 $742,630.00 $68,392.00 $2,932,925.00
006.02 Fuel Shed 201 S 18th St N 1961 144 $17,666.00 $5,938.00 $0.00 $23,604.00
006.03 Vehicle Maintenance Storage
Building 201 S 18th St N 1972 7820 $1,107,456.00 $386,611.00 $0.00 $1,494,067.00
006.04 Traffic Shop - Building C 201 S 18th St N 1978 2934 $536,733.00 $267,800.00 $0.00 $804,533.00
007.01 Equipment/Vehicle Storage
Building #1 250 S 18th St N 1970 2008 $180,023.00 $0.00 $53,798.00 $233,821.00
007.02 Police Evidence/Vehicle
Storage Building #2 250 S 18th St N 1970 3600 $229,042.00 $73,131.00 $0.00 $302,173.00
007.03 Herbicide Storage Building
(Small) 250 S 18th St N 1991 325 $23,488.00 $13,034.00 $0.00 $36,522.00
008.01 Office Building 291 S 18th St N 1974 1161 $270,911.00 $58,361.00 $111,114.00 $440,386.00
008.02 Big Murphy - Shop 291 S 18th St N 1981 9750 $1,330,142.00 $455,316.00 $0.00 $1,785,458.00
008.03 Wash Bay - Rack 291 S 18th St N 2007 3000 $531,789.00 $364,885.00 $0.00 $896,674.00
011.01 City Hall/Public Library 225 5th St N 1970 90450 $35,046,162.00 $11,484,500.00 $133,282.00 $46,663,944.00
013.01 Pump Station
3585 Gateway
St/3699 E Game
Farm Rd
N 1990 28 $91,762.00 $0.00 $0.00 $91,762.00
014.01 Pump Station 2201 Dornoch St N 1983 28 $157,395.00 $0.00 $0.00 $157,395.00
015.01 Pump Station 2102 E St N 1970 20 $84,613.00 $0.00 $0.00 $84,613.00
016.01 Pump Station 3101 W St N 1970 28 $125,314.00 $0.00 $0.00 $125,314.00
017.01 Pump Station 3995 Marcola Rd N 1981 20 $24,552.00 $0.00 $0.00 $24,552.00
018.01 Pump Station 1526 Main St N 1964 28 $90,523.00 $0.00 $0.00 $90,523.00
Attachment 1
Page 35 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
36 of 51
Location # Description Address Vacant Year Blt Area Bldg Value Content Value Property in Open Value Total Insured Value
018.02 Fencing 1526 Main St N 1964 0 $0.00 $0.00 $2,649.00 $2,649.00
019.01 Pump Station 4988 Elderberry
St N 1981 20 $75,351.00 $0.00 $0.00 $75,351.00
020.01 Pump Station 5798 Mt Vernon
Rd N 1981 20 $118,897.00 $0.00 $0.00 $118,897.00
022.01 Pump Station 375 International
Way N 1977 28 $207,015.00 $0.00 $0.00 $207,015.00
023.01 Pump Station 2700 Olympic St N 1973 28 $90,523.00 $0.00 $0.00 $90,523.00
024.01 Pump Station 3980 Deadmond
Ferry Rd N 1972 50 $227,114.00 $0.00 $0.00 $227,114.00
025.01 Pump Station 2300 Otto St N 1981 28 $87,722.00 $0.00 $0.00 $87,722.00
027.01 Pump Station 833 Mckenzie
Crest Dr N 1961 50 $182,794.00 $0.00 $0.00 $182,794.00
032.01 Fleet Shop 295 S 18th St N 1999 5400 $1,307,585.00 $437,331.00 $87,550.00 $1,832,466.00
033.01 Museum 590 Main St N 1908 3920 $3,020,166.00 $711,818.00 $0.00 $3,731,984.00
034.01 Booth Kelley Complex 303 S 5th St N 1950 96389 $16,307,887.00 $61,800.00 $34,608.00 $16,404,295.00
034.02
Office Building/Museum
Storage (Artifacts) - 200 &
300
303 S 5th St N 1950 14720 $3,247,796.00 $709,589.00 $0.00 $3,957,385.00
034.03 Open Pavilion (Crane Shed) 303 S 5th St N 1950 19500 $1,886,754.00 $0.00 $0.00 $1,886,754.00
034.04 Management Office - 400 303 S 5th St N 1970 2240 $457,526.00 $0.00 $0.00 $457,526.00
034.09 Awning Manufacturer - D 303 S 5th St N 1950 27510 $5,827,534.00 $0.00 $0.00 $5,827,534.00
034.10 Boiler (Old) Storage Building 303 S 5th St N 1950 1350 $206,648.00 $67,772.00 $0.00 $274,420.00
034.11 Railcar Building - 195 303 S 5th St N 1950 100925 $8,405,109.00 $0.00 $0.00 $8,405,109.00
034.12 Foam Building (Storage) 303 S 5th St N 2003 2916 $249,054.00 $123,600.00 $0.00 $372,654.00
034.13 Restroom Building (Between
B & D) 303 S 5th St N 1990 180 $61,448.00 $0.00 $0.00 $61,448.00
041.01 Justice Center 230 4th St N 2008 104578 $47,156,902.00 $7,354,200.00 $526,124.00 $55,037,226.00
042.01 Depot Center 101 S A St N 1891 4254 $2,076,274.00 $0.00 $32,754.00 $2,109,028.00
042.02 Railroad Caboose 101 S A St N 1940 560 $80,238.00 $0.00 $0.00 $80,238.00
043.01 Pump Station 4111 Olympic St N 2000 20 $80,530.00 $0.00 $0.00 $80,530.00
044.01 Pump Station 1900 Nuggett
Way N 2000 50 $168,207.00 $0.00 $0.00 $168,207.00
045.01 Pump Station Yoland Ave/19th
St N 2000 50 $153,181.00 $0.00 $0.00 $153,181.00
046.01 Pump Station S 57th St N 2000 79 $199,280.00 $0.00 $3,983.00 $203,263.00
Attachment 1
Page 36 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
37 of 51
Location # Description Address Vacant Year Blt Area Bldg Value Content Value Property in Open Value Total Insured Value
049.01 Traffic Signal - 4-Way
Intersection 14th/G St N 1980 0 $0.00 $0.00 $419,519.00 $419,519.00
050.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/Rainbow Dr N 1995 0 $0.00 $0.00 $491,722.00 $491,722.00
051.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/Prescott Ln N 1995 0 $0.00 $0.00 $413,442.00 $413,442.00
052.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/Mill St N 1995 0 $0.00 $0.00 $402,318.00 $402,318.00
053.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/5th St N 1990 0 $0.00 $0.00 $414,060.00 $414,060.00
054.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/10th St N 1990 0 $0.00 $0.00 $389,958.00 $389,958.00
055.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/Mohawk
Bvld
N 1980 0 $0.00 $0.00 $428,789.00 $428,789.00
056.01 Traffic Signal - 4-Way
Intersection
Centennial
Blvd/18th St N 1980 0 $0.00 $0.00 $389,958.00 $389,958.00
057.01 Traffic Signal - 4-Way
Intersection
Mohawk Blvd/M
St N 1995 0 $0.00 $0.00 $420,549.00 $420,549.00
058.01 Traffic Signal - 4-Way
Intersection
Mohawk
Blvd/Olympic St N 1995 0 $0.00 $0.00 $425,493.00 $425,493.00
059.01 Traffic Signal - 4-Way
Intersection
18th St/Olympic
St N 1980 0 $0.00 $0.00 $402,009.00 $402,009.00
060.01 Traffic Signal - 3-Way
Intersection
Olympic St/21st
St N 1980 0 $0.00 $0.00 $161,321.00 $161,321.00
061.01 Traffic Signal - 4-Way
Intersection
28th St/Olympic
St N 1990 0 $0.00 $0.00 $414,060.00 $414,060.00
062.01 Traffic Signal - 4-Way
Intersection
Marcola Rd/28th
St N 1995 0 $0.00 $0.00 $402,009.00 $402,009.00
063.01 Traffic Signal - 4-Way
Intersection
Pioneer
Pkwy/Plaza N 1995 0 $0.00 $0.00 $605,434.00 $605,434.00
064.01 Traffic Signal - 4-Way
Intersection 5th St/Q St N 1980 0 $0.00 $0.00 $392,224.00 $392,224.00
065.01 Traffic Signal - 4-Way
Intersection
Mohawk
Blvd/Marcola
Rd/Q St/28th St
N 1995 0 $0.00 $0.00 $471,946.00 $471,946.00
066.01 Traffic Signal 1475 5th St N 1970 0 $0.00 $0.00 $146,840.00 $146,840.00
067.01 Traffic Signal - 4-Way
Intersection
Harlow Rd/Beverly
St N 1995 0 $0.00 $0.00 $402,009.00 $402,009.00
068.01 Traffic Signal - 4-Way
Intersection
Harlow
Rd/Gateway St N 1995 0 $0.00 $0.00 $410,764.00 $410,764.00
069.01 Traffic Signal - 4-Way
Intersection
Harlow
Rd/Hartman Ln N 1995 0 $0.00 $0.00 $398,610.00 $398,610.00
070.01 Traffic Signal - 4-Way
Intersection
Harlow Rd/Game
Farm Rd N 2000 0 $0.00 $0.00 $395,932.00 $395,932.00
Attachment 1
Page 37 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
38 of 51
Location # Description Address Vacant Year Blt Area Bldg Value Content Value Property in Open Value Total Insured Value
071.01 Traffic Signal - 4-Way
Intersection
Gateway St/S Mall
Dr N 1995 0 $0.00 $0.00 $405,202.00 $405,202.00
072.01 Traffic Signal - 3-Way
Intersection
Gateway
St/Oakdale St N 1990 0 $0.00 $0.00 $340,930.00 $340,930.00
073.01 Traffic Signal - 3-Way
Intersection
Gateway St/Mall N
Dr N 1995 0 $0.00 $0.00 $399,022.00 $399,022.00
074.01 Traffic Signal - 4-Way
Intersection
Gateway
St/Gateway Lp N 1995 0 $0.00 $0.00 $371,830.00 $371,830.00
075.01 Traffic Signal - 3-Way
Intersection
Beltline Rd/Game
Farm Rd N 1994 0 $0.00 $0.00 $379,864.00 $379,864.00
076.01 Traffic Signal - 4-Way
Intersection
Gateway
St/Beltline Rd N 1995 0 $0.00 $0.00 $560,938.00 $560,938.00
078.01 Traffic Signal - 4-Way
Intersection
International
Way/Gateway St N 2000 0 $0.00 $0.00 $399,640.00 $399,640.00
079.01 Traffic Signal - 3-Way
Intersection
42nd St/Olympic
St N 1980 0 $0.00 $0.00 $335,059.00 $335,059.00
080.01 Traffic Signal - 4-Way
Intersection
Gateway St/Game
Farm Rd N 2012 0 $0.00 $0.00 $454,642.00 $454,642.00
081.01 Traffic Signal - 3-Way
Intersection
Gateway
St/Crossroads N 1995 0 $0.00 $0.00 $374,920.00 $374,920.00
082.01 Traffic Signal - 4-Way
Intersection
Martin Luther King
Jr Blvd/Cardinal
Way
N 2008 0 $0.00 $0.00 $519,120.00 $519,120.00
083.01 Traffic Signal - 4-Way
Intersection
Martin Luther King
Jr Blvd/Riverbend
Dr
N 2008 0 $0.00 $0.00 $483,688.00 $483,688.00
084.01 Traffic Signal
Harlow
Rd/Pheasant
Station
N 1995 0 $0.00 $0.00 $253,422.00 $253,422.00
085.01 Traffic Signal Postal
Way/Gateway St N 1995 0 $0.00 $0.00 $253,422.00 $253,422.00
086.01 Bike Path Flashers - Train
Signal
Rosa Parks
Path/Pioneer
Pkwy
N 2009 0 $0.00 $0.00 $36,205.00 $36,205.00
087.01 Traffic Flashers/Signal International
Way/Sports Way N 2003 0 $0.00 $0.00 $57,924.00 $57,924.00
089.01 Traffic Flashers/Signal 5th St/B St N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
090.01 Traffic Flashers/Signal Thurston Rd N 2007 0 $0.00 $0.00 $89,784.00 $89,784.00
092.01 Traffic Flashers/Signal Harlow Rd N 1980 0 $0.00 $0.00 $75,303.00 $75,303.00
093.01 Traffic Flashers/Signal 58th St N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
094.01 Traffic Flashers/Signal Thurston Rd N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
095.01 Traffic Flashers/Signal Centennial Blvd N 1980 0 $0.00 $0.00 $75,303.00 $75,303.00
Attachment 1
Page 38 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
39 of 51
Location # Description Address Vacant Year Blt Area Bldg Value Content Value Property in Open Value Total Insured Value
097.01 Traffic Flashers/Signal Jasper Rd/S 37th
St N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
098.01 Traffic Flashers/Signal Thurston Rd N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
099.01 Traffic Flashers/Signal Olympic St N 1990 0 $0.00 $0.00 $46,342.00 $46,342.00
100.01 Traffic Flashers/Signal Riverbend Dr N 2011 0 $0.00 $0.00 $46,342.00 $46,342.00
101.01 Traffic Flashers/Signal Riverbend Dr N 2011 0 $0.00 $0.00 $46,342.00 $46,342.00
102.01 Traffic Flashers/Signal
Martin Luther King
Jr Blvd
Roundabout
N 2007 0 $0.00 $0.00 $75,303.00 $75,303.00
103.01 Traffic Flashers/Signal Maple Island Farm
Rd N 2003 0 $0.00 $0.00 $60,822.00 $60,822.00
104.01 Traffic Flashers/Signal International Way N 2003 0 $0.00 $0.00 $60,822.00 $60,822.00
105.01 Traffic Flashers/Signal 5th St N 1997 0 $0.00 $0.00 $60,822.00 $60,822.00
106.01 Traffic Flashers/Signal 19th St N 1997 0 $0.00 $0.00 $60,822.00 $60,822.00
108.01 Pump Station 690 Harlow Rd N 2008 1336 $1,407,186.00 $0.00 $8,034.00 $1,415,220.00
110.01 Pedestrian Traffic Signal Harlow Rd N 1980 0 $0.00 $0.00 $60,822.00 $60,822.00
111.01 Dbo - Vacant Dwelling 1577 Laura St Y 1956 1008 $50,000.00 $0.00 $0.00 $50,000.00
Total Insured Values $190,330,894
Schedules may not reflect pending changes processed after 5/1/2024
Attachment 1
Page 39 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
40 of 51
Equipment Schedule
Item # Description Serial # Model # Department Val Code Value
Warren Spreader Assembly/Sander Box SC17145 DPW ACV $11,000.00
Stryker Stretchers #2 TBD FLS ACV $15,000.00
Stryker Stretchers #1 TBD FLS ACV $15,000.00
Police Dog - Gryff K-9 German Shepherd PD RV $20,000.00
Police Dog - Flex K-9 German Shepherd PD RV $20,000.00
Police Dog - Nord K-9 German Shepherd PD RV $20,000.00
Trimble Geoline Base/Rover Kit W/Radios (2) 5725R02686 R82 DPW ACV $39,580.00
2024 Dji Drone 1581F5BKD23AH00F0KGJ Matrice M30t PD ACV $13,511.00
Police Dog - Kirby K-9 German Shepherd PD RV $20,000.00
Police Dog - Cash K-9 German Shepherd PD RV $20,000.00
0003 Misc Ambulance Equip In Ambulances (6 @ $7000 Each) FLS ACV $42,000.00
0013 Zoll Defibrillator TQ1B20247 FLS ACV $28,500.00
0015 Zoll Defibrillator TQ1C20258 FLS ACV $28,500.00
0028 1997 Mighty Mover Trailer 4AGAU12S8VC025047 Buster DPW ACV $10,000.00
0050 Zoll Defibrillator T01F23134 FLS ACV $28,500.00
0051 Zoll Defibrillator T01G23950 FLS ACV $28,500.00
0062 2008 Trimble S-6 3" Robotic Total Station CSF001 DPW ACV $11,800.00
0069 2007 Light Towers (3 @ $5000 Each) DPW ACV $15,000.00
0070 Stryker Stretchers 80840156 FLS ACV $13,000.00
0071 Stryker Stretchers 80939215 FLS ACV $13,000.00
0072 Stryker Stretchers 80939214 FLS ACV $13,000.00
0073 Stryker Stretchers 90839673 FLS ACV $13,000.00
0074 Stryker Stretchers 90339554 FLS ACV $13,000.00
0080 Zoll Defibrillator AB10F014603 TSC2 FLS ACV $28,500.00
0081 Zoll Defibrillator AB10F014611 FLS ACV $28,500.00
0082 Zoll Defibrillator AB10F014613 FLS ACV $28,500.00
0083 Zoll Defibrillator AB10F014630 FLS ACV $28,500.00
Attachment 1
Page 40 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
41 of 51
Item # Description Serial # Model # Department Val Code Value
0084 Zoll Defibrillator AB10F014631 FLS ACV $28,500.00
0085 Zoll Defibrillator AB10F014837 FLS ACV $28,500.00
0086 Zoll Defibrillator AB10F014629 FLS ACV $28,500.00
0087 Zoll Defibrillator AB10F014767 FLS ACV $28,500.00
0088 Zoll Defibrillator AB10F014947 FLS ACV $28,500.00
5027 2000 Bowlton Jet Boat 20' Jet Sled (Used W/1999 Baker
Boat Trailer, Vin#61231) EV100216A000 FLS ACV $28,045.00
5030Y 2013 19' Riddle Marine Rescue Boat W/Merc (Used
W/2013 Gateway Boat Trailer, Vin#01033) URR19192K213 FLS RV $54,060.00
7053Y 2013 John Deere Motor Grader 1DW670GXHCE649149 670G DPW ACV $189,690.00
7056Y 1996 Bomag Roller W/Vibratory Roller 101170511547 DPW ACV $11,000.00
7058X 2011 Caterpillar Loader/Backhoe CAT0420EPDJL02088 420E DPW ACV $85,662.00
7060Z 2003 Leeboy Paver 8500T3187LD DPW ACV $45,000.00
7061Y 2005 Leeboy Asphalt Paver 1B9DS09175D309219 DPW ACV $50,000.00
7062Z 1991 Caterpillar Forklift 3ECO7046 DPW ACV $19,000.00
7068Y Vermeer Chipper 1VRC14132V1006040 DPW ACV $20,000.00
7071Z 2001 Vermeer Stump Grinder - Trailer Mounted 1VRN071F011005664 SC252 / 120AD3 DPW ACV $10,667.00
7086Z 2006 Bomag Roller 101880024442 BW120 AD4 DPW ACV $29,000.00
7092Z 2015 Brush Bandit Chipper 4FMUS1316FR002384 990HD DPW ACV $36,300.00
7093A Caterpillar Brush Grinder DJW00239 DPW ACV $30,000.00
7093B Caterpillar Asphalt Grinder LZP00561 DPW ACV $23,900.00
7093Z 2016 Caterpillar Skid Steer CAT0299DEDX200629 DPW ACV $94,550.00
7096X 2014 Sullair Compressor 4999-0015 185 CFM DPW ACV $17,917.00
7097Z 2011 Addco Solar Powered Message Sign W/Radar 4SEPN1617BM4SE255 /
591461 DPW ACV $18,090.00
7098Z 2011 Addco Solar Powered Message Sign 4SEPN1619BM4SE256 /
591462 DPW ACV $16,425.00
7099Z 2011 Addco Solar Powered Message Sign 4SEPN1610BM4SE257 /
591463 DPW ACV $16,425.00
7119 John Deere Tractor 1L06110MPHG885526 6110M DPW ACV $149,868.00
7129 2019 Cimline Crack Sealer 1G92M1525KM119080 M2 DPW ACV $46,074.00
7138 John Deere Tractor 1LV3046RVKK102817 3046R DPW ACV $31,314.00
7155 2021 Hyster Forklift A3C1A05807V H60UT DPW ACV $24,942.00
7156 2021 Gradall Excavator W/Attachments 4140000349 XL4100 DPW ACV $476,838.00
Attachment 1
Page 41 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
42 of 51
Item # Description Serial # Model # Department Val Code Value
7161 Takeuchi Excavator 185108919 TB290 DPW ACV $105,800.00
7162 Takeuchi Excavator 216102708 TB216R DPW RV $34,648.00
ART "Flame" Steel Sculpture - By Devin Laurence Field Located At Beltline
Rd/Gateway St ART ACV $262,000.00
ART Monthly Rotating Art Display (On Loan From Springfield
Arts Commission)
Located Inside City Hall, 225
5th St ART ACV $20,000.00
ART Women's Veteran's Memorial Sculpture Located Outside Willamalane
Park Swim Center, 1276 G St ART ACV $123,245.00
ART Ken Kesey Mural Located Outside 342 Main
St/S 4th St ART ACV $28,000.00
ART 125th Anniversary Welcome Sculpture Located Outside Depot
Center, 101 S A St ART ACV $12,500.00
ART "Welcome To Springfield Oregon" Mural Located Outside 307 Main
St/Pioneer Pkwy E ART ACV $44,000.00
E117 Micro Camera W/Extra Head 10025 E224124 DPW ACV $14,000.00
Total Insured Value $2,877,351
Schedules may not reflect pending changes processed after 5/1/2024
Attachment 1
Page 42 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
43 of 51
Auto Schedule
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
2024 Freightliner 108sd Dump Truck 3ALHG5FEXRDVH1403 DPW $1,000.00 $1,000.00 $192,500.00
5001X 2016 Ford Fusion 3FA6P0G79GR317137 FLS $1,000.00 $1,000.00 $17,890.00
5003X 2011 Ford Fusion 3FAHP0HA4BR144929 FLS $1,000.00 $1,000.00 $16,587.00
5005V 2017 Ford F150 1FTEX1E89HKC20193 FLS $1,000.00 $1,000.00 $29,699.00
5009X 2015 Ford F250 1FT7W2B66FEB89467 FLS $1,000.00 $1,000.00 $28,000.00
5011Y 2014 Ford Explorer 1FM5K7B83EGB02625 FLS $1,000.00 $1,000.00 $21,600.00
5012Z 2006 Ford Expedition 1FMFU16556LA97853 FLS $1,000.00 $1,000.00 $26,920.00
5015Z 2008 Chevrolet Colorado 1GCCS199988190845 FLS $1,000.00 $1,000.00 $12,600.00
5024Y 2017 Ford F250 1FT7W2B64HEB93195 FLS $1,000.00 $1,000.00 $29,699.00
5026Y 1997 Pierce Saber Fire Truck 4P1CT02U0VA000397 FLS $1,000.00 $1,000.00 $190,000.00
5027Y 1999 Baker
Boat Trailer (Used W/2000
Bowlton Jet Boat, Ser#6a000
On Me Sch)
47AVA2325Y0061231 FLS $1,000.00 $1,000.00 $4,500.00
5028X 2011 Ford Econoline E350 Van 1FBNE3BL3BDA12482 FLS $1,000.00 $1,000.00 $21,200.00
5029Y 2011 Ford F350 1FT8W3B65BEB45688 FLS $1,000.00 $1,000.00 $30,500.00
5033Z 2004 Continental Cargo Trailer 5NHUCCZ254T601680 FLS $1,000.00 $1,000.00 $11,250.00
5034Z 2006 Continental Cargo Trailer 5NHUCCZ276T603918 FLS $1,000.00 $1,000.00 $12,511.00
5035Z 2004 Pierce Saber Pumper 4P1CT02A14A004091 FLS $1,000.00 $1,000.00 $227,501.00
5036X 2010 Pierce Saber Pumper 4P1CV01E5AA011054 FLS $1,000.00 $1,000.00 $453,518.00
5038Y 1997 Freightliner Watertender Fl112 1FVZTMEB1WH919486 FLS $1,000.00 $1,000.00 $175,000.00
5040Y 2010 Pierce Velocity Pumper 4P1CV01E3AA011053 FLS $1,000.00 $1,000.00 $453,518.00
5041X 2012 International Pierce Contender Fire
Pumper 1HTWEAZR6CJ547052 FLS $1,000.00 $1,000.00 $330,582.00
5044X 2010 Pierce Velocity Pumper 4P1CV01E8AA011033 FLS $1,000.00 $1,000.00 $453,518.00
5061W 2013 Pierce Aerial Ladder Truck 4P1CV01N6DA013299 FLS $1,000.00 $1,000.00 $978,000.00
5093X 2009 International Ambulance 1HTMRAAM39H102649 FLS $1,000.00 $1,000.00 $223,000.00
5096Y 2013 Ford F450 Ambulance 1FDUF4GT5DEA87261 FLS $1,000.00 $1,000.00 $173,000.00
5097Y 2013 Ford F450 Ambulance 1FDUF4GT3DEA87260 FLS $1,000.00 $1,000.00 $173,000.00
Attachment 1
Page 43 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
44 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
5101 2017 Ford F450 Braun Chief Xl
Ambulance 1FDUF4HT5HEB14866 FLS $1,000.00 $1,000.00 $235,936.00
5102 2017 Ford F450 Braun Chief Xl
Ambulance 1FDUF4HT7HEB14867 FLS $1,000.00 $1,000.00 $235,936.00
5103 2017 Pierce Velocity Pumper 4P1BAAGF2HA017580 FLS $1,000.00 $1,000.00 $593,108.00
5104 2017 Ford F450 Braun Chief Xl
Ambulance 1FDUF4HT7HDA02995 FLS $1,000.00 $1,000.00 $229,099.00
5105 2013 Gateway
Boat Trailer (Used W/2013
Riddle Marine Boat,
Ser#2k213)
1G9BB2214DL401033 FLS $1,000.00 $1,000.00 $4,450.00
5106 2018 Ford F150 1FTEX1EB1JKC58387 FLS $1,000.00 $1,000.00 $26,324.00
5108 2020 Ford F450 Ambulance 1FDUF4HT5LDA13227 FLS $1,000.00 $1,000.00 $302,842.00
5109 2022 Pierce Velocity Pumper 4P1BAAGF8NA024349 FLS $1,000.00 $1,000.00 $672,263.00
5110 2023 Ford F150 1FTFW1P83PKE01387 FLS $1,000.00 $1,000.00 $47,349.00
5111 2006 Pierce Dash Quint 75' Ladder Truck 4P1CD01H16A006003 FLS $1,000.00 $1,000.00 $170,000.00
5112 2024 Ford Maverick 3FTTW8J98RRA51265 FLS $1,000.00 $1,000.00 $35,930.00
6002W 2013 Ford Explorer 1FM5K7AR3DGB08210 PD $1,000.00 $1,000.00 $25,000.00
6003W 2016 Chevrolet Tahoe 1GNLCDKC8GR330288 PD $1,000.00 $1,000.00 $33,909.00
6005W 2017 Ford Fusion 3FA6P0G74HR110897 PD $1,000.00 $1,000.00 $18,232.00
6007X 2012 Dodge Durango 1C4RDJAG9CC286463 PD $1,000.00 $1,000.00 $25,405.00
6008W 2010 Jeep Grand Cherokee Laredo 1J4PR4GK2AC129869 PD $1,000.00 $1,000.00 $20,451.00
6012W 2011 Chevrolet Impala 2G1WD5EM2B1242831 PD $1,000.00 $1,000.00 $19,200.00
6015S 2015 Ford Explorer 1FM5K8AT5FGC27560 PD $1,000.00 $1,000.00 $31,237.00
6016 2014 Ford Explorer 1FM5K8AT3EGC60524 PD $1,000.00 $1,000.00 $39,187.00
6020W 2013 Chevrolet Tahoe 1GNLC2E06DR309134 PD $1,000.00 $1,000.00 $27,500.00
6022T 2014 Ford Explorer 1FM5K8AT5EGC60525 PD $1,000.00 $1,000.00 $22,000.00
6023T 2016 Ford Explorer 1FM5K8AT7GGC67852 PD $1,000.00 $1,000.00 $30,952.00
6026R 2017 Ford Explorer 1FM5K8AT1HGA77384 PD $1,000.00 $1,000.00 $32,287.00
6028U 2017 Ford Explorer 1FM5K8ATXHGA77383 PD $1,000.00 $1,000.00 $32,287.00
6032R 2015 Ford Explorer 1FM5K8AT1FGC27555 PD $1,000.00 $1,000.00 $31,237.00
6033W 2016 Dodge Charger 2C3CDXAG2GH129972 PD $1,000.00 $1,000.00 $24,528.00
6034U 2015 Ford Explorer 1FM5K8ATXFGC27554 PD $1,000.00 $1,000.00 $31,327.00
6037X 2013 BMW Motorcycle WB1044001DZW22259 PD $1,000.00 $1,000.00 $27,370.00
Attachment 1
Page 44 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
45 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
6038W 2017 Ford Explorer 1FM5K8AT7HGA77387 PD $1,000.00 $1,000.00 $32,287.00
6045X 2016 Ford Explorer 1FM5K8AT7GGC42269 PD $1,000.00 $1,000.00 $30,952.00
6048W 2016 Jeep Grand Cherokee Laredo 1C4RJFAG4GC454893 PD $1,000.00 $1,000.00 $30,144.00
6049Y 2005 Jeep Liberty 1J4GL58K65W670482 PD $1,000.00 $1,000.00 $27,000.00
6050Z 2009 Ford Crown Victoria 2FAHP71V19X128544 PD $1,000.00 $1,000.00 $22,000.00
6052X 2005 Chevrolet Express Van 1GCHG39U751224213 PD $1,000.00 $1,000.00 $25,000.00
6053Y 2016 Ford Transit T-350 Passenger Van 1FTBW2CG3GKA21208 PD $1,000.00 $1,000.00 $30,000.00
6056W 2014 Chevrolet Silverado 1GCUKREC9EF193398 PD $1,000.00 $1,000.00 $27,000.00
6058X 2014 Chevrolet Silverado 1GCUKREC4EF193339 PD $1,000.00 $1,000.00 $27,000.00
6059Z 1996 Chevrolet P30 Swat Van 1GBKP32R8T3311748 PD $1,000.00 $1,000.00 $15,000.00
6063Y 2016 Chevrolet Colorado 1GCHTBE35G1204936 PD $1,000.00 $1,000.00 $27,295.00
6071Z 2009 Ford Crown Victoria 2FAHP71VX9X128543 PD $1,000.00 $1,000.00 $22,000.00
6074Y 2014 Ford Taurus 1FAHP2MK9EG182940 PD $1,000.00 $1,000.00 $27,000.00
6075Y 2015 Chevrolet Silverado C3500 1GC2CYEGXF2546435 PD $1,000.00 $1,000.00 $23,354.00
6080Y 2016 Chevrolet Colorado 1GCHTBE39G1205491 PD $1,000.00 $1,000.00 $27,295.00
6081Y 2009 Ford Econoline E350 Passenger
Van 1FTSE34S49DA52583 PD $1,000.00 $1,000.00 $20,000.00
6082Z 2006 American General Military Humvee 201875 PD $1,000.00 $1,000.00 $73,000.00
6083Z 2016 BMW R1200 Motorcycle WB10A1300GZ196278 PD $1,000.00 $1,000.00 $29,790.00
6084Z 2016 BMW R1200 Motorcycle WB10A1309GZ196277 PD $1,000.00 $1,000.00 $29,790.00
6085Z 2016 BMW R1200 Motorcycle WB10A1307GZ196276 PD $1,000.00 $1,000.00 $29,790.00
6086Z 2016 Chevrolet Suburban (Swat) 1GN8KMKG3GR137221 PD $1,000.00 $1,000.00 $170,150.00
6088 2018 Ford Explorer 1FM5K8AT2JGA84768 PD $1,000.00 $1,000.00 $36,210.00
6089 2018 Ford Explorer 1FM5K8AT9JGA84766 PD $1,000.00 $1,000.00 $36,210.00
6090 2018 Ford Explorer 1FM5K8AT5JGA84764 PD $1,000.00 $1,000.00 $36,210.00
6091 2018 Ford Explorer 1FM5K8AT0JGA84767 PD $1,000.00 $1,000.00 $36,210.00
6092 2018 Ford Explorer 1FM5K8AT7JGA84765 PD $1,000.00 $1,000.00 $36,210.00
6093 2018 Ford Explorer 1FM5K8AT6JGB69029 PD $1,000.00 $1,000.00 $36,210.00
6094 2019 Chevrolet Tahoe 1GNLCDKC7KR218252 PD $1,000.00 $1,000.00 $33,658.00
6095 2019 Ford Explorer 1FM5K8B82KGA52656 PD $1,000.00 $1,000.00 $30,258.00
6096 2019 Ford Explorer 1FM5K8AT6KGB55052 PD $1,000.00 $1,000.00 $40,234.00
Attachment 1
Page 45 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
46 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
6097 2019 Ford Explorer 1FM5K8AT8KGB55053 PD $1,000.00 $1,000.00 $40,236.00
6098 2019 Ford Explorer 1FM5K8AT4KGB55051 PD $1,000.00 $1,000.00 $40,236.00
6099 2019 Ford Explorer 1FM5K8ATXKGB55054 PD $1,000.00 $1,000.00 $48,515.00
6100 2020 Chevrolet Malibu Lt 1G1ZD5ST1LF068219 PD $1,000.00 $1,000.00 $21,825.00
6101 2020 Chevrolet Colorado Lt 1GCGTCEN2L1185114 PD $1,000.00 $1,000.00 $29,591.00
6102 2020 Ford Transit T-250 Cargo Van 1FTBR1C84LKA25479 PD $1,000.00 $1,000.00 $30,626.00
6103 2020 Ford Explorer 1FM5K8AC6LGB85850 PD $1,000.00 $1,000.00 $38,504.00
6104 2020 Chevrolet Blazer 3GNKBHR40LS615224 PD $1,000.00 $1,000.00 $33,090.00
6105 2020 Ford Explorer 1FM5K8ACXLGB85849 PD $1,000.00 $1,000.00 $38,503.00
6106 2020 Ford Explorer 1FM5K8AB9LGC02003 PD $1,000.00 $1,000.00 $34,613.00
6107 2021 Ford Explorer 1FM5K8AC4MNA09828 PD $1,000.00 $1,000.00 $55,082.00
6108 2021 Ford Explorer 1FM5K8AC2MNA09830 PD $1,000.00 $1,000.00 $54,676.00
6109 2021 Chevrolet Traverse 1GNEVFKW6MJ161293 PD $1,000.00 $1,000.00 $40,361.00
6110 2021 Ford Explorer 1FM5K8AC6MNA09829 PD $1,000.00 $1,000.00 $54,618.00
6112 2021 Ford Expedition 1FMJU1GT1MEA45256 PD $1,000.00 $1,000.00 $40,103.00
6113 2021 Chevrolet Tahoe 1GNSKLED5MR439395 PD $1,000.00 $1,000.00 $37,402.00
6114 2021 Ford Expedition 1FMJU1GT6MEA77362 PD $1,000.00 $1,000.00 $39,856.00
6115 2022 Chevrolet Traverse 1GNEVFKW6NJ141773 PD $1,000.00 $1,000.00 $29,896.00
6116 2022 Chevrolet Equinox 3GNAXUEV1NS182102 PD $1,000.00 $1,000.00 $29,096.00
6117 2022 Ford Explorer 1FM5K8ABXNGA94221 PD $1,000.00 $1,000.00 $36,246.00
6118 2022 Ford Explorer 1FM5K8AB9NGB49113 PD $1,000.00 $1,000.00 $36,246.00
6119 2022 Ford Explorer 1FM5K8AB5NGB47715 PD $1,000.00 $1,000.00 $36,246.00
6121 2016 Cargo Mate Utility Trailer 5NHUEHT27GB454689 PD $1,000.00 $1,000.00 $6,533.00
6122 2022 Ford Explorer 1FM5K8AB6NGC19568 PD $1,000.00 $1,000.00 $36,245.00
6123 2022 Ford Explorer 1FM5K8AB4NGC19522 PD $1,000.00 $1,000.00 $36,245.00
6124 2023 Ford Explorer 1FM5K8AWXPNA02509 PD $1,000.00 $1,000.00 $63,318.00
6125 2023 Ford Explorer 1FM5K8AW4PNA02540 PD $1,000.00 $1,000.00 $63,318.00
6126 2023 Ford Explorer 1FM5K8AW1PNA02513 PD $1,000.00 $1,000.00 $63,318.00
6127 2023 Ford Explorer 1FM5K8AW2PNA02536 PD $1,000.00 $1,000.00 $63,318.00
6129 2023 Chevrolet Traverse 1GNEVFKW2PJ256874 PD $1,000.00 $1,000.00 $31,500.00
Attachment 1
Page 46 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
47 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
6130 2023 Chevrolet Traverse 1GNEVFKW4PJ257900 PD $1,000.00 $1,000.00 $31,500.00
6131 2023 Ford Ranger 1FTER1FH0PLE36001 PD $1,000.00 $1,000.00 $36,570.00
6132 2024 Ford Explorer 1FM5K8AC1RGA47769 PD $1,000.00 $1,000.00 $74,374.00
6133 2024 Ford Ranger 1FTER4PH2RLE12057 PD $1,000.00 $1,000.00 $41,294.00
7017X 2006 Ford Freestar Van 2FTZA54616BA55614 DPW $1,000.00 $1,000.00 $12,245.00
7018 2017 Chevrolet Silverado 1GC0KUEG6HZ167610 DPW $1,000.00 $1,000.00 $27,006.00
7020X 2015 Ford F450 Dump 1FDUF4GY9FEB25119 DPW $1,000.00 $1,000.00 $38,500.00
7023X 2015 Chevrolet Silverado 1GC0CUEG8FZ525509 DPW $1,000.00 $1,000.00 $23,400.00
7025X 2013 Ford F350 1FDBF3E62DEA92996 DPW $1,000.00 $1,000.00 $32,300.00
7026Y 2017 Chevrolet Silverado K3500 1GC0KYEG0HZ203556 DPW $1,000.00 $1,000.00 $28,112.00
7027X 2015 Chevrolet Silverado 1GC0CUEG7FZ525968 DPW $1,000.00 $1,000.00 $23,400.00
7032X 2010 Ford Tv Van-Storm 1FDXE4FS9ADA34962 DPW $1,000.00 $1,000.00 $106,708.00
7033X 2003 Chevrolet Silverado C3500 1GBJC34U73E176386 DPW $1,000.00 $1,000.00 $19,000.00
7034W 2016 Freightliner 114sd Vactor Sewer Cleaner 1FVHG3CY9GHHL0798 DPW $1,000.00 $1,000.00 $326,375.00
7038X 2010 Ford Sewer Tv Van 1FDXE4FS7ADA03709 DPW $1,000.00 $1,000.00 $106,708.00
7043Y 2008 Freightliner Dump Truck 1FVACYBS78DZ73927 DPW $1,000.00 $1,000.00 $86,490.00
7045Y 2008 Freightliner Dump Truck 1FVACYBS98DZ73928 DPW $1,000.00 $1,000.00 $81,025.00
7048Y 2009 International Flusher 1HTWNAAT49J121439 DPW $1,000.00 $1,000.00 $106,629.00
7049W 2015 Freightliner Vactor Ramjet Sewer Cleaner 1FVAG5DTXFHGL2409 DPW $1,000.00 $1,000.00 $190,000.00
7050X 2013 Chevrolet Silverado 1GC0CVCG9DF207406 DPW $1,000.00 $1,000.00 $20,000.00
7051X 2008 Chevrolet Trailblazer 1GNDS13S482139117 DPW $1,000.00 $1,000.00 $0.00
7052Y 2013 Ford Transit Connect Van NM0LS6BNXDT128122 DPW $1,000.00 $1,000.00 $22,400.00
7059Y 2008 Gmc 7500 W/Thermolay 1GDM7C1B38F409936 DPW $1,000.00 $1,000.00 $136,100.00
7063Y 2007 Chevrolet Silverado W/Service Body 1GCHC24U17E182162 DPW $1,000.00 $1,000.00 $21,896.00
7069Z 2016 Ford F550 Bucket Truck 1FDUF5GY9GEB32885 DPW $1,000.00 $1,000.00 $170,000.00
7070Z 1992 Interstate Trailer 1JKDTA203PA100001 DPW $1,000.00 $1,000.00 $10,000.00
7079Z 2006 Chevrolet C3500 Silverado 1GBJC34U06E264328 DPW $1,000.00 $1,000.00 $16,779.00
7081Z 2007 Chevrolet Dump Truck 1GBJC34UX7E145896 DPW $1,000.00 $1,000.00 $17,665.00
7084Z 2007 Assembly Utility Trailer OR83072 DPW $1,000.00 $1,000.00 $10,000.00
7085Z 2007 Chevrolet Colorado 1GCDT149878236141 DPW $1,000.00 $1,000.00 $14,098.00
Attachment 1
Page 47 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
48 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
7087 2015 Chevrolet Silverado K2500hd 1GC0KUEG7FZ500152 DPW $1,000.00 $1,000.00 $22,000.00
7088 2008 Iron Eagle Trailer 5L6FY18B88F000334
STREET
MAINT/PRESE
RVATION
$1,000.00 $1,000.00 $3,995.00
7089 2008 Iron Eagle Trailer 5L6FT18B18F000238 STORMWATE
R MAINT $1,000.00 $1,000.00 $3,995.00
7090 1992 Interstate Utility Trailer 1JKTDL203NA200018 DPW $1,000.00 $1,000.00 $8,000.00
7091Z 2013 Mirage Xterra Cargo Trailer 5M3BE1421D1055794 DPW $1,000.00 $1,000.00 $5,000.00
7095Z 2006 Mirage Xterra Cargo Trailer 5M3BE142X61022277 DPW $1,000.00 $1,000.00 $2,400.00
7102X 2005 Ford Ranger 1FTZR45E45PA63111 DPW $1,000.00 $1,000.00 $17,206.00
7104X 2007 Chevrolet Express G1500 1GNFG15T071193292 DPW $1,000.00 $1,000.00 $18,969.00
7105X 2001 Subaru Forester JF1SF63551G735797 DPW $1,000.00 $1,000.00 $17,837.00
7106X 2008 Chevrolet Trailblazer 1GNDS13S482137299 DPW $1,000.00 $1,000.00 $0.00
7112Z 2005 Dodge Dakota Quadcab 1D7HW28K25S242051 DPW $1,000.00 $1,000.00 $16,377.00
7117Z 2010 Ford Escape 1FMCU9C7XAKC96905 DPW $1,000.00 $1,000.00 $18,759.00
7120 2017 Ford Transit Connect Xl Van NM0LE7E7XH1334505 DPW $1,000.00 $1,000.00 $22,207.00
7121 2018 Chevrolet Equinox 2GNAXREV9J6218401 DPW $1,000.00 $1,000.00 $22,250.00
7122 2018 Chevrolet Equinox 2GNAXREV2J6261106 DPW $1,000.00 $1,000.00 $22,351.00
7123 2018 Chevrolet Colorado 1GCHTBEN8J1209640 DPW $1,000.00 $1,000.00 $27,699.00
7124 2018 Ford Transit Connect Xlt Van NM0AS8F78J1347490 DPW $1,000.00 $1,000.00 $23,687.00
7125 2019 Cargo Mate Trailer 5NHUEH427KB471080 DPW $1,000.00 $1,000.00 $4,482.00
7126 2018 Ford Transit Connect Xlt Van NM0AS8F72J1373180 DPW $1,000.00 $1,000.00 $23,687.00
7130 2020 Freightliner M2 106 Street Sweeper 1FVACXFC9LHKM5606 DPW $1,000.00 $1,000.00 $300,000.00
7131 2020 Chevrolet Equinox 2GNAXSEV7L6155132 DPW $1,000.00 $1,000.00 $23,800.00
7132 2020 Chevrolet Equinox 2GNAXSEV0L6157952 DPW $1,000.00 $1,000.00 $23,191.00
7133 2020 Chevrolet Equinox 2GNAXSEV4L6158053 DPW $1,000.00 $1,000.00 $23,191.00
7134 2019 Freightliner M2 106 Boom Truck 3ALACXFC8KDKT4942 DPW $1,000.00 $1,000.00 $150,312.00
7135 2020 Chevrolet Colorado 1GCHTBEN4L1152517 DPW $1,000.00 $1,000.00 $28,810.00
7136 2020 Chevrolet Colorado 1GCHTBEN3L1150855 DPW $1,000.00 $1,000.00 $26,810.00
7139 2020 Chevrolet Colorado 1GCHTBEN3L1185749 DPW $1,000.00 $1,000.00 $26,390.00
7140 2020 Chevrolet Colorado 1GCHTBEN6L1185759 DPW $1,000.00 $1,000.00 $26,390.00
7141 2020 Ford F350 1FTRF3B6XLEC63659 DPW $1,000.00 $1,000.00 $31,317.00
Attachment 1
Page 48 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
49 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
7142 2020 Ford F350 1FTRF3B68LEC63661 DPW $1,000.00 $1,000.00 $31,317.00
7143 2020 Ford F350 1FTRF3B66LEC63660 DPW $1,000.00 $1,000.00 $31,317.00
7144 2020 Ford F350 1FD8X3F64LED09534 DPW $1,000.00 $1,000.00 $43,041.00
7145 2020 Ford F550 1FDUF5HNXLED39770 DPW $1,000.00 $1,000.00 $55,159.00
7146 2020 Ford F550 1FDUF5HN1LED39771 DPW $1,000.00 $1,000.00 $50,292.00
7147 2020 Ford F550 1FDUF5HN3LED39772 DPW $1,000.00 $1,000.00 $50,292.00
7148 2020 Ford F550 1FDUF5HN5LED39773 DPW $1,000.00 $1,000.00 $48,912.00
7149 2020 Ford F550 1FDUF5HN7LED39774 DPW $1,000.00 $1,000.00 $48,912.00
7150 2021 Chevrolet Colorado 1GCHTBEA2M1114282 DPW $1,000.00 $1,000.00 $25,941.00
7151 2021 Freightliner 108sd Dump Truck 1FVAG5FE9MHMJ8522 DPW $1,000.00 $1,000.00 $130,041.00
7152 2021 Freightliner 108sd Dump Truck 1FVAG5FE0MHMJ8523 DPW $1,000.00 $1,000.00 $130,041.00
7153 2021 Chevrolet Equinox Ls 2GNAXSEV7M6142527 DPW $1,000.00 $1,000.00 $23,953.00
7157 2022 Eagle 4345-T 6x12 Trailer 184BU1214NC036285 DPW $1,000.00 $1,000.00 $4,248.00
7158 2021 Ford F150 1FTFW1E80MFC36972 DPW $1,000.00 $1,000.00 $33,562.00
7159 2021 Ford F150 1FTFW1E82MFC36973 DPW $1,000.00 $1,000.00 $33,562.00
7163 2022 Freightliner Elgin Broom Bear Sweeper 3ALACXFE0NDNK3822 DPW $1,000.00 $1,000.00 $229,078.00
7164 2022 Freightliner Elgin Broom Bear Sweeper 1FVACXFE9NHNM2332 DPW $1,000.00 $1,000.00 $229,078.00
7165 2022 Ford F350 1FTRF3B69NED61326 DPW $1,000.00 $1,000.00 $31,472.00
7166 2022 Chevrolet Colorado 1GCHTBEA2N1224055 DPW $1,000.00 $1,000.00 $25,550.00
7167 2022 Chevrolet Colorado 1GCHTBEA0N1236849 DPW $1,000.00 $1,000.00 $25,550.00
7168 2022 Ford Transit T-150 Cargo Van 1FTYE1CG1NKA59542 DPW $1,000.00 $1,000.00 $43,779.00
7169 2022 Chevrolet Equinox 3GNAXSEVXNS185276 DPW $1,000.00 $1,000.00 $23,442.00
7170 2023 Freightliner Vactor 2100 Sewer Cleaner 3ALAG3FE1PDNX4035 DPW $1,000.00 $1,000.00 $434,790.00
7171 2022 Ford F250 1FD7X2B68NEG18812 BLDG MAINT $1,000.00 $1,000.00 $66,556.00
7172 2022 Ford F250 1FD7X2B61NEG18814 BLDG MAINT $1,000.00 $1,000.00 $69,556.00
7173 2023 Chevrolet Express G3500 Cargo Van 1GCZGGFP7P1109799 DPW $1,000.00 $1,000.00 $43,931.00
7174 2023 Ford Transit T-150 Cargo Van 1FTYE1Y84PKA72466 DPW $1,000.00 $1,000.00 $53,225.00
7176 2023 Ford Transit 350 Cargo Van 1FTBW1XG2PKA57184 LANDSCAPE $1,000.00 $1,000.00 $57,672.00
7177 2023 Ford Transit 150 Cargo Van 1FTYE1CG3PKA57195 WASTEWATE
R $1,000.00 $1,000.00 $51,728.00
Attachment 1
Page 49 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
50 of 51
Auto # Year Make Model VIN Dept Comp Ded Coll Ded Reported Value
7178 2023 Ford F350 1FDRF3FN5PEC10435 WASTEWATE
R $1,000.00 $1,000.00 $62,837.00
7179 2023 Chevrolet Equinox 3GNAXSEG3PL260026 DPW $1,000.00 $1,000.00 $24,466.00
Eugene Fire
Vehicles (2) 2022 Various Various VARIOUS FLS $10,000.00 $10,000.00 $0.00
Total Insured Value $14,573,044
Schedules may not reflect pending changes processed after 5/1/2024
Attachment 1
Page 50 of 51
This proposal is based upon the exposures made known to the Agency by you and contains only a general
description of the coverage(s) and does not constitute a policy/contract. For complete policy information,
including exclusions, limitations, and conditions, please refer to your policy.
In the event of difference, the policy will prevail.
BROWN & BROWN
51 of 51
Attachment 1
Page 51 of 51