MuniPlus Insurance Program Coverage Summary

Program Overview The MuniPlus insurance program offers a full ensemble of coverages addressing the unique risks of public entities. Coverage is available to select cities, towns, boroughs, townships, villages, parishes, counties, and special service districts serving populations of varying sizes, with a target appetite for populations of 100,000 or less.

• Property, Building Contents. Equipment Breakdown & Inland Marine

• Business Income and Extra Expense

• Ordinance & Law (A, B, & C)

• Agreed Amount

*Blanket Limits Broadened Coverages • A separate limit applies to the following:

– Arson, Theft, or Vandalism Information Reward

– Commandeered Property – Fire Department Service Charge – Fire Protective Device Recharge – Fine Arts – Food Contamination – Lock Replacement – Newly Acquired Locations – Non-owned Detached Trailers – Pollutant Clean Up and Removal at each

Described Premises – Portable Emergency Response Equipment

• Coverages Specific to Municipalities – Portable Equipment used in your Law

Enforcement Operations and Your Public Safety Operations

– Traffic Lights, Traffic Signs, Parking Meters, Fire Hydrants, Guard Rails, Bus Shelters

• Additional Coverages – Fairs or Exhibitions – Newly Acquired or Constructed Property – Outdoor Property – Trees, Plants and Shrubs – Personal Effects and Property of Others – Property Off Premises – Portable Audio Visual and

Communications Equipment – Sewer Backup – Utility Services – Direct Damage – Valuable Papers and Records

• Coverages Specific to Municipalities – Limited Coverage to Property Exclusion –

Exclusion does not apply to: portable emergency response equipment; or property damage to or theft of personal property of anyone receiving medical services from insured emergency services

Property and Inland Marine

Coverages• Employee Theft

• Faithful Performance

• Forgery or Alteration

• Inside the Premises – Theft of Monday and Securities

• Inside the Premises – Robbery or Safe Burglary

• Outside the Premises

• Computer and Funds Transfer Fraud

• Money Orders and Counterfeit Money

Crime

• CG0001 Form + Proprietary Public Entity Endorsement

• Defense: In addition to policy limits

Coverage Extensions• Abusive Acts Liability (available)

• Broadened Property Damage

• Dam Failure (available)

• Drone (available)

• Employee Benefits Liability

• Expanded Definition of Bodily Injury

• Limited Contractual Liability

• Liquor Liability (available)

• Non-Owned Aircraft, Auto and Watercraft Coverage

• Limited Pollution Liability

• Railroad Protective (available)

• Water Operations

– Pollution exceptions for potable water, water treatment chemicals, and escape or back-up from treatment facilities

– No elimination of lead exclusion related to water operations

– Failure to supply exclusion does not apply to water

General Liability

• ISO Auto (Liability and Physical Damage)

• Hired Non-Owned Liability

• Uninsured Motorists/Underinsured Motorists

• Personal Injury Protection/No-Fault

• Hired Auto Physical Damage

• Defense in addition to policy limits

• Public Entity Fleet Coverage Endorsement

– Commandeered auto

– Fellow Employee

• Contractual Waiver of Subrogation

• Fleet automatic

• Medical Payments

• Towing

Business Auto

Separate Limits • Defense: In addition to policy limits

• Third Party Discrimination Liability Included

• Civil Rights Coverage Provided

• Crisis Event Coverage

• Definition of Loss includes punitive, exemplary or multiple damages with most favorable jurisdiction verbiage (where allowable)

Employment Practices Liability

Separate Limits• Defense: In addition to Policy Limits

• Civil Rights Coverage

• Definition of loss includes punitive, exemplary or multiple damages with most favorable jurisdiction verbiage (where allowable)

• Broad definition of insured

• Non-monetary: Defense only sub-limit

Public Officials Liability

Separate Limits• Coverage: Occurrence

• Broad Definition of Insured

• Expanded Definition of Bodily Injury

• Defense: In Addition to Policy Limits

• Retention or Deductible

• Civil Rights Coverage Provided

• Errors and Omissions Coverage

• Definition of loss includes punitive, exemplary, or multiple damages with most favorable jurisdiction verbiage (where allowable)

Police Professional Liability

• Limits: Up to $10M

• Coverage A – Excess Follow Form

• Coverage B – Umbrella

• Separate towers on underlying coverages

Umbrella

• Maximum limits: $2M/$2M

• Claims made and Reported

• Security Wrongful Act

• Privacy Wrongful Act

• Regulatory Proceedings Coverage

• Damages include punitive, exemplary or multiple damages

• Optional Non-Liability Enhancement Endorsement

Security and Privacy

*Zurich North America managed over 700K claims in 2016 (including RCIS claims), Zurich North America TNPS for First Notice of Loss and Closed Claims 2016

**Top Mid-Size Contact Center as recognized by Contact Center World in 2016

This is intended as a general description of certain type of insurance and services available to qualified cus-tomers through the companies of Zurich in North America, provided solely for informational purposes. Nothing herein should be construed as a solicitation, offer, advice, recommendation, or any other service with regard to any type of insurance product underwritten by individual member companies of Zurich In North America, including Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196. Your policy is the contract that specifically and fully describes your coverage, terms and conditions. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy. Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states. Some coverages may be written on a nonadmitted basis through licensed surplus lines brokers.

©2018 Zurich American Life Insurance Company. All Rights Reserved.

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Risk Engineering: Zurich provides an effective approach to risk management to help you protect your business against risk. Zurich’s Risk Engineering provides services that will help you minimize risk and related losses.

About Allied Public Risk Allied Public Risk, LLC is a specialty program manager that provides a broad spectrum of products and services to select brokers and clients throughout the United States. The MuniPlus insurance program offers a full ensemble of coverages addressing the unique risks of public entities. Coverage is available to select cities, towns, boroughs, townships, villages, parishes, counties, and special service districts serving populations of varying sizes, with a target appetite for populations of 100,000 or less.

About Zurich The MuniPlus program is underwritten by Zurich. A leading multi-line insurer, Zurich is a top-four commercial insurer in the U.S. and has been insuring U.S. businesses for more than 100 years. Further information is available at zurichna.com.

For more information on the Allied Public Risk MuniPlus program, contact:Sara DePasquale, Allied Public RiskSenior Vice President – Primary Practice HeadOffice: 206-319-2512 sdepasquale@alliedpublicrisk.com