2019-20 Insurance Summary
Insurable Risk

Carrier

Automobile Liability
Auto Physical Damage
Builders Risk policies
Crime (employee dishonesty)
Cyber Liability

ELSIP
ELSIP
Various
Travelers
ACE/Chubb

Daybreak - Builder’s Risk

Limit of
Coverage

5,000,000
2,000,000
35,000,000
5,000,000
5,000,000
included in the
Travelers Indemnity $5M builder's
risk coverage

Deductible

Premium 19-20

% Change

150,000
25,000

$106,652
$49,949
$48,878
$11,200
$62,996
Included in main
Property policy with
Travelers

<1%
see footnote
see footnote
0%
14%

50,000
100,000
1,000

0%

Daybreak - Liability

American Builders

1,000,000

1,000

$4,197

-26%

Fiduciary Liability
Foreign Travel Liability
General Liability/E&O
Pollution

Travelers
ACE/Chubb
ELSIP
ACE/Chubb

1,000,000
2,000,000
10,000,000
3,000,000

$8,100
$5,145
$265,717
$63,423

3%
0%
<1%
17%

Property

Travelers Indemnity

500,000,000

10,000
0
150,000
25,000
wind/hail 2%
value of
structure/ all
other perils
$25K

$608,401

25%

Mercer

1M / 3M

none

$4,747

<1%

Hartford

$10,000

none

$100

0%

JSD

Statutory

$1,400,000

-26%

T H Pickens/Student Medical
Malpractice
T H Pickens/License & Permit
Bond
Workers’ Compensation

Auto Physical Damage

none

Total

$2,639,505

Travelers is no longer offering APD on our fleet - working w/brokers to find new carrier for this coverage that is comparable to what we had
will continue to work on Excess Coverage - gave estimate of what that coverage could be
Will continue to work on quotes for building a structure as the Excess Policy quotes are coming in very high

Builders Risk Insurance
Foreign Travel
Pollution
Property
Workers Comp

New 6-12 Fitzsimmons school & Harmony P-8
Working with broker, as carrier has added exclusion for sexual abuse - No other carriers are willing to offer sexual abuse
Decrease was due to surprise competitve quotes that came in
Increase is due to Metro area now being considered a hail/wind high risk area - No change in policy limits
Exp Mod decreased from .84 to .83. Reductions in recent loss history is resulting in reduction of future anticipated losses