HomeMy WebLinkAboutLiability_Protection_Program_2022-23LIABILITY PROGRAM
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Overview 1–2
Detail 3–11
Coverage Tower 12
Schedule of Insurers 13–15
Protection period:
July 1, 2022 to July 1, 2023
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Overview
July 1, 2022 LP 22
(Supersedes LP 21)
Program Liability Protection Program losses have a self insured retention up to $30
million. Reinsurance and excess insurance are purchased from $6 million to
$45 million1. This program provides coverage for general liability and auto liability
exposures.
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Protects A. California JPIA Members (including commissions, agencies, authorities, or
similar entities that qualify in the definition of Member in the Memorandum of
Liability Coverage); and
B. Any person or entity defined in the Memorandum of Liability Coverage as a
Protected Party.
Covers Legal obligations to pay as damages by reason of tort liability imposed by law
because of one or more of these defined damages:
1. Bodily Injury
2. Property Damage
3. Personal Injury
4. Public Officials Errors and Omissions
5. Broadcast/Publication Injury
6. Employment Practices Injury
7. Employee Benefits Administration Liability
8. Termination of City Manager’s Employment
Limits LIMITS PER MEMBER (Liability)
$50,000,000 Per Occurrence Per Member
LIMITS PER MEMBER (Subsidence)
$50,000,000 Per Occurrence Per Member
Major Exclusions REVIEW COVERAGE DOCUMENTS FOR ALL EXCLUSIONS
1. Owned airport, aircraft, or watercraft;
2. Workers Compensation or similar employment-related claims;
3. Damage to owned or leased property, or property in the care, custody or
control of the member;
4. Dam failure in self-insured layers;
5. Condemnation or Inverse Condemnation;
6. Pollution/Hazardous Materials (limited coverage);
7. Ionizing radiations or radioactive material (limited coverage);
8. Failure to supply utility service;
9. Medical care activities (limited coverage);
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Overview
Major Exclusions (Continued)10. Use or operation of any railroad; Quiet Zones; wayside horns;
11. Wrongful termination, or failure to hire or promote (limited coverage);
12. Punitive damages;
13. Adoption or administration of an ordinance, land use entitlements;
14. Antitrust;
15. Equitable or similar actions not for monetary damages;
16. Loss of money, securities, or refunds;
17. Suits by a Member against a protected party;
18. Organic Pathogens
19. Cyber Liability
1 Annual aggregate deductibles (AAD) of $3 million ($10M x $10M layer) and
$2 million ($10M x $20M) apply to all losses up to $30 million.
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Covered Parties California Joint Powers Insurance Authority and participating members
Address 8081 Moody Street, La Palma, California 90623
Coverage $4,000,000 in excess of $6,000,000
Layer #: UA8T00012201
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Coverage Provided By Government Entities Mutual (GEM) - 100% of Layer
A.M. Best Rating Government Entities Mutual (GEM) – Not rated
California Status Government Entities Mutual (GEM) – N/A
Limits The reinsurer supports the California Joint Powers Insurance Authority’s
$30,000,000 limit for $4,000,000 excess of $6,000,000 per occurrence per
Protected Party
Terrorism is limited to an annual aggregate of $4,000,000.
Self-Insured Retention $6,000,000 Per Occurrence
Defense Costs and Expenses Included within the Limits and Self-Insured Retention
Coverage Follows the Memorandum of Liability Coverage (MOC — LP)
Territory Follows the Memorandum of Liability Coverage (MOC — LP)
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Major Exclusions
(Refer to details in Policies)
All exclusions in the Memorandum of Liability Coverage (MOC — LP) apply.
• Pool (exception applies), Association, Syndicate, Exchange, Plan, Fund or other
facility directly as a member, subscriber or participant, or indirectly by way of
reinsurance or assessments.
• Insolvency fund, including any guarantee fund, association, pool, plan, or
other facility
• Nuclear
• War
• Pollution
• Coverage written specifically to insure or reinsure punitive damages
• Punitive, exemplary, consequential or compensatory damages
• All reinsurance assumed by the Reassured, except internal
pooling arrangements
• Retroactive Coverage
• Asbestos
• Silica
• Sanction Limitation and Exclusion
• Organic Pathogens
• Cyber Liability
Claims Reporting Carl Warren & Company
P.O. Box 25180
Santa Ana, CA 92799-5180
Phone: (714) 572-5200, or (800) 572-6900
Fax: (714) 961-8131
Email: publicentityclaims@carlwarren.com
Contract contains the full reporting requirements.
Broker Guy Carpenter
Mike Waterman, Managing Director and Public Entity Segment Leader; Chicago, IL
Isabella Pang, Vice President; Chicago, IL
James Turner, Vice President; Philadelphia, PA
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Covered Parties California Joint Powers Insurance Authority and participating members
Address 8081 Moody Street, La Palma, California 90623
Coverage*$10,000,000 in excess of $10,000,000
Includes a $3,000,000 Annual Aggregate Deductible (AAD)
Layer #: UA8T00012202
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Coverage Provided By Government Entities Mutual (GEM)
60% of Layer
Sequoia Pacific Reinsurance Company
25% of Layer
Continental Indemnity Company
15% of Layer
A.M. Best Rating Government Entities Mutual (GEM) – Not rated
Sequoia Pacific Reinsurance Company – Not rated
Continental Indemnity Company
A (Excellent)
Financial Size Category of XI ($750 Million to $1 Billion)
California Status Government Entities Mutual (GEM) – N/A
Sequoia Pacific Reinsurance Company – N/A
Continental Indemnity Company – Authorized Reinsurer
Limits The reinsurers support the California Joint Powers Insurance Authority’s
$30,000,000 limit for $10,000,000 excess of $10,000,000 per occurrence per
Protected Party after the $3,000,000 AAD
Sequoia Pacific has an aggregate limit of $7,500,000.
Terrorism is limited to an annual aggregate of $10,000,000.
Retention $10,000,000 Per Occurrence
Defense Costs and Expenses Included within the Limits and Self-Insured Retention
Coverage Follows the Memorandum of Liability Coverage (MOC — LP)
Territory Follows the Memorandum of Liability Coverage (MOC — LP)
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Major Exclusions
(Refer to details in Policies)
All exclusions in the Memorandum of Liability Coverage (MOC — LP) apply.
• Pool (exception applies), Association, Syndicate, Exchange, Plan, Fund or other
facility directly as a member, subscriber or participant, or indirectly by way of
reinsurance or assessments.
• Insolvency fund, including any guarantee fund, association, pool, plan, or
other facility
• Nuclear
• War
• Pollution
• Coverage written specifically to insure or reinsure punitive damages
• Punitive, exemplary, consequential or compensatory damages
• All reinsurance assumed by the Reassured, except internal
pooling arrangements
• Retroactive Coverage
• Asbestos
• Silica
• Sanction Limitation and Exclusion
• Organic Pathogens
• Cyber
Claims Reporting Carl Warren & Company
P.O. Box 25180
Santa Ana, CA 92799-5180
Phone: (714) 572-5200, or (800) 572-6900
Fax: (714) 961-8131
Email: publicentityclaims@carlwarren.com
Contract contains the full reporting requirements.
Broker Guy Carpenter
Mike Waterman, Managing Director and Public Entity Segment Leader; Chicago, IL
Isabella Pang, Vice President; Chicago, IL
James Turner, Vice President; Philadelphia, PA
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Covered Parties California Joint Powers Insurance Authority and participating members
Address 8081 Moody Street, La Palma, California 90623
Coverage $10,000,000 in excess of $20,000,000
Includes a $2,000,000 Annual Aggregate Deductible (AAD)
Layer #: UA8T00012203
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Coverage Provided By Great American Insurance Company
40% of Layer
Berkley Insurance Company
20% of Layer
Everest Reinsurance Company
20% of Layer
Continental Indemnity Company
10% of Layer
Sequoia Pacific Reinsurance Company
10% of Layer
A.M. Best Rating Great American Insurance Company
A+ (Superior)
Financial Size Category of XV ($2 Billion or greater)
Berkley Insurance Company
A+ (Superior)
Financial Size Category of XV ($2 Billion or greater)
Everest Reinsurance Company
A+ (Superior)
Financial Size Category of XV ($2 Billion or greater)
Continental Indemnity Company
A (Excellent)
Financial Size Category of XI ($750 Million to $1 Billion)
Sequoia Pacific Reinsurance Company – Not rated
California Status Great American Insurance Company – Authorized Reinsurer
Berkley Insurance Company – Authorized Reinsurer
Everest Reinsurance Company – Authorized Reinsurer
Continental Indemnity Company – Authorized Reinsurer
Sequoia Pacific Reinsurance Company – N/A
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Limits The reinsurers support the California Joint Powers Insurance Authority’s
$30,000,000 limit for $10,000,000 excess of $20,000,000 per occurrence per
Protected Party after the $2M AAD
Berkley’s aggregate limit is 10 times the occurrence limit (not applicable to AL)
Sequoia Pacific has an aggregate limit of $3,000,000.
Retention $20,000,000 Per Occurrence
Defense Costs and Expenses Included within the Limits and Self-Insured Retention
Coverage Follows the Memorandum of Liability Coverage (MOC — LP)
Territory Follows the Memorandum of Liability Coverage (MOC — LP)
Major Exclusions
(Refer to details in Policies)
All exclusions in the Memorandum of Liability Coverage (MOC — LP) apply.
• Pool (exception applies), Association, Syndicate, Exchange, Plan, Fund or other
facility directly as a member, subscriber or participant, or indirectly by way of
reinsurance or assessments.
• Insolvency fund, including any guarantee fund, association, pool, plan, or
other facility
• Nuclear
• War
• Pollution
• Coverage written specifically to insure or reinsure punitive damages
• Punitive, exemplary, consequential or compensatory damages
• All reinsurance assumed by the Reassured, except internal pooling
arrangements
• Retroactive Coverage
• Asbestos
• Silica
• Sanction Limitation and Exclusion
• Organic Pathogens
• Cyber
• PFAS
• Lead (only applies to Berkley)
• Subsidence (only applies to Berkley)
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Claims Reporting Carl Warren & Company
P.O. Box 25180
Santa Ana, CA 92799-5180
Phone: (714) 572-5200, or (800) 572-6900
Fax: (714) 961-8131
Email: publicentityclaims@carlwarren.com
Contract contains the full reporting requirements
Broker Guy Carpenter
Mike Waterman, Managing Director and Public Entity Segment Leader; Chicago, IL
Isabella Pang, Vice President; Chicago, IL
James Turner, Vice President; Philadelphia, PA
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Covered Parties California Joint Powers Insurance Authority and participating members
Address 8081 Moody Street, La Palma, California 90623
Coverage $15,000,000 in excess of $30,000,000
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Coverage Provided By Allied World National Assurance Company (AWNAC)
Policy #: 0309-6727
A.M. Best Rating A (Excellent)
Financial Size Category of XV ($2 Billion or greater)
California Status Non-Admitted
Limits $15,000,000 Per Occurrence Per Protected Party
Allied World’s aggregate limit is 4 times the occurrence limit
Retention $30,000,000 Per Occurrence
Defense Costs and Expenses Included within the Limits and Self-Insured Retention
Coverage Follows the Memorandum of Liability Coverage (MOC — LP)
Territory Follows the Memorandum of Liability Coverage (MOC — LP)
Major Exclusions
(Refer to details in Policies)
All exclusions in the Memorandum of Liability Coverage (MOC — LP) apply.
• Asbestos
• OFAC
• Organic Pathogens
Claims Reporting Carl Warren & Company
P.O. Box 25180
Santa Ana, CA 92799-5180
Phone: (714) 572-5200, or (800) 572-6900
Fax: (714) 961-8131
Email: publicentityclaims@carlwarren.com
Policy contains the full reporting requirements
Broker Guy Carpenter
Mike Waterman, Managing Director and Public Entity Segment Leader; Chicago, IL
Isabella Pang, Vice President; Chicago, IL
James Turner, Vice President; Philadelphia, PA
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LIABILITY PROGRAM
THE ABOVE IS A SUMMARY ONLY. IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,
NOR THE REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS SEE THE FULL CONTRACTS AND POLICIES ON FILE AT THE CALIFORNIA JPIA OFFICE.
EFFECTIVE JULY 1, 2022
Detail
July 1, 2022 to July 1, 2023
Covered Parties California Joint Powers Insurance Authority and participating members
Address 8081 Moody Street, La Palma, California 90623
Coverage $5,000,000 in excess of $45,000,000
Protection Period July 1, 2022 at 12:01 a.m. to July 1, 2023 at 12:01 a.m. Pacific Time
Coverage Provided By Retained by California Joint Powers Insurance Authority
A.M. Best Rating Not Applicable
California Status Not Applicable
Limits $5,000,000 Per Occurrence Per Protected Party
Retention $45,000,000 Per Occurrence
Defense Costs and Expenses Included within the Limits and Self-Insured Retention
Coverage Follows the Memorandum of Liability Coverage (MOC — LP)
Territory Follows the Memorandum of Liability Coverage (MOC — LP)
Major Exclusions
(Refer to details in Policies)
All exclusions in the Memorandum of Liability Coverage
(MOC — LP) apply.
Claims Reporting Carl Warren & Company
P.O. Box 25180
Santa Ana, CA 92799-5180
Phone: (714) 572-5200, or (800) 572-6900
Fax: (714) 961-8131
Email: publicentityclaims@carlwarren.com
Policy contains the full reporting requirements.
Broker Guy Carpenter
Mike Waterman, Managing Director and Public Entity Segment Leader; Chicago, IL
Isabella Pang, Vice President; Chicago, IL
James Turner, Vice President; Philadelphia, PA
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$5,000,000 in excess of $45,000,000
California JPIA Retention
$15,000,000 in excess of $30,000,000
Allied World National Assurance Co. (AWNAC Agg Limit $60M)
$10,000,000 in excess of $20,000,000 (with $2M AAD**)
40% - Great American Insurance Company
20% - Berkley Insurance Company*
20% - Everest Reinsurance Company
10% - Sequoia Pacific Reinsurance Company (Captive, Agg Limit $3M)
10% - Continental Indemnity Company
$2M California JPIA Retention
$10,000,000 in excess of $10,000,000 (with $3M AAD**)
60% - Government Entities Mutual (GEM)
25% - Sequoia Pacific Reinsurance Company (Captive, Agg Limit $7.5M)
15% - Continental Indemnity Company
$3M AAD ceded to the Captive
$4,000,000 in excess of $6,000,000
100% - Government Entities Mutual (GEM)
$3,000,000 in excess of $3,000,000
100% - Sequoia Pacific Reinsurance Company (Captive, Agg Limit $9M)
California JPIA $3,000,000 Retention
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Coverage Tower
July 1, 2022 to July 1, 2023
* Berkley excludes subsidence, Agg Limit $20M (Not applicable to Auto Liability)
**AAD (Annual Aggregate Deductible): is defined as the deductible that California
JPIA would pay that is otherwise recoverable from the contract. The annual aggregate
amount can be satisfied with one loss or multiple losses during the year.
50M
45M
30M
20M
10M
5M
0
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Schedule of Insurers
July 1, 2022 to July 1, 2023
LIABILITY COVERAGE
Limit: $4,000,000 Excess of $6,000,000
REINSURED BY
GOVERNMENT ENTITIES MUTUAL (GEM)
$4,000,000
CONTRACT LAYER #: UA8T00012201
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
N/A
Not rated
Not rated
LIABILITY COVERAGE
Limit: $10,000,000 Excess of $10,000,000 Includes a $3,000,000 Annual Aggregate Deductible (AAD)
REINSURED BY
GOVERNMENT ENTITIES MUTUAL (GEM)
$6,000,000
CONTRACT LAYER #: UA8T00012202
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
N/A
Not rated
Not rated
REINSURED BY
SEQUOIA PACIFIC REINSURANCE COMPANY
$2,500,000
CONTRACT LAYER #: UA8T00012202
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
N/A
Not rated
Not rated
REINSURED BY
CONTINENTAL INDEMNITY COMPANY
$1,500,000
CONTRACT LAYER #: UA8T00012202
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Admitted
Not rated
A (Excellent)
Financial Size Category of XI
($750 Million to $1 Billion)
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Schedule of Insurers
July 1, 2022 to July 1, 2023
LIABILITY COVERAGE
Limit: $10,000,000 Excess of $20,000,000 Includes a $2,000,000 Annual Aggregate Deductible (AAD)
REINSURED BY
GREAT AMERICAN INSURANCE COMPANY
$4,000,000
CONTRACT LAYER #: UA8T00012203
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Admitted
A+
A+ (Superior)
Financial Size Category of XV
($2 Billion or greater)
REINSURED BY
BERKLEY INSURANCE COMPANY
$2,000,000
CONTRACT LAYER #: UA8T00012203
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Admitted
A+
A+ (Superior)
Financial Size Category of XV
($2 Billion or greater)
REINSURED BY
EVEREST REINSURANCE COMPANY
$2,000,000
CONTRACT LAYER #: UA8T00012203
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Admitted
A+
A+ (Superior)
Financial Size Category of XV
($2 Billion or greater)
REINSURED BY
CONTINENTAL INDEMNITY COMPANY
$1,000,000
CONTRACT LAYER #: UA8T00012203
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Admitted
Not rated
A+ (Excellent))
Financial Size Category of XI
($750 Million to $1 Billion)
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Schedule of Insurers
July 1, 2022 to July 1, 2023
LIABILITY COVERAGE
Limit: $15,000,000 Excess of $30,000,000
LIABILITY COVERAGE
Limit: $5,000,000 Excess of $45,000,000
RETAINED BY CALIFORNIA JOINT
POWERS INSURANCE AUTHORITY
$5,000,000
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Not Applicable
Not Applicable
Not Applicable
REINSURED BY ALLIED WORLD
NATIONAL ASSURANCE COMPANY
$15,000,000
POLICY #: 0309-6727
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
Non-Admitted
A-
A (Excellent)
Financial Size Category of XV
($2 Billion or greater)
LIABILITY COVERAGE
Limit: $10,000,000 Excess of $20,000,000 Includes a $2,000,000 Annual Aggregate Deductible (AAD)
REINSURED BY SEQUOIA PACIFIC
REINSURANCE COMPANY
$1,000,000
CONTRACT LAYER #: UA8T00012203
California Status:
Standard & Poor’s Rating:
Best’s Guide Rating:
N/A
Not rated
Not rated