Property & Liability Renewal Comparison

Exposure, Premium & Rate Comparison
January 1, 2014 - January 1, 2015
Client Name
Package Exposure & Rate Comparison Expiring Renewal
Total Insurable Value (TIV)

$132,881,253 $132,585,000
Average Property Rate Per $100 TIV
$ 0.0802 $ 0.0830
Total Square Footage
656,212 656,212
Average GL Rate Per 1,000 Sq. Ft.
$ 30.36 $ 31.47
DIC Exposure & Rate Comparison Expiring Renewal
Total Insurable Value (TIV) $ 61,472,000 $ 61,575,000
Average DIC Rate Per $100 TIV $ 0.1964 $ 0.2014
Premium Comparison
Coverage Expiring Renewal
Property $ 106,527.00 $ 109,990.00
General Liability $ 19,921.00 $ 20,648.00
Automobile $ 551.00 $ 551.00
Crime Premium $ 1,238.00 $ 1,238.00
Total for Package $ 128,237.00 $ 132,427.00
$9M Umbrella Liability $ 11,025.00 $ 11,442.00
Total for Umbrella $ 11,025.00 $ 11,442.00
$5M DIC $ 120,750.00 $ 124,000.00
Total for DIC $ 120,750.00 $ 124,000.00
Grand Total $ 260,012.00 $ 267,869.00

% Change
-0.22% Sum of Property value from SOV

Premium/TIV*100
3.48%
0.00% Sum of Square Footage value from SOV
3.65% GL Premium/Sq.Footage*1000
% Change
0.17%
2.52%
% Change
3.27%
3.78%
2.69%
3.02%
Client Name
Property Specifications
Insurer
Policy Term
Locations Covered
Total Insurable Values
Premium
Taxes & Fees
Total
Blanket Loss Limits - Per Occurrence Unless Otherwise Indicated

Buildings and Business Personal Property
Business Income - Including Rental Income and Extra Expense
Earth movement - California
Earthmovement - New Madrid
Earthmovement - All Other States
Earthquake Sprinkler Leakage (EQSL) - Per Occurrence/Aggregate
Flood - Zones A & V
Flood - All Other Locations
Wind
Valuation
Property
Business Income
Coinsurance
Deductibles
Property Damage
Time Element
Earthquake Sprinkler Leakage
Expediting Expense
Fine Arts, Transit and Personal Property
Fire Department Service Charge
Earthmovement - California
Earthmovement - New Madrid
Flood - High Hazard
Flood - All Other Locations
Named Wind Storm
Machinery Breakdown
Key Sublimits -Per Occurrence Unless Otherwise Indicated

Accounts Receivable
Arson Reward
Building Ordinance - Demolition
Building Ordinance - Increased Cost of Construction
Building Ordinance - Loss to Undamaged Portion
Claims Preparation Expenses
Computer Virus - Denial or Access
Course of Construction
Debris Removal
Deferred Payments
Electronic Data Processing Equipment - Hardware
Electronic Data Processing Equipment - Software
Errors & Omissions
Extended Period of Indemnity
Fine Arts
Fungus Clean Up Expense
Leasehold Interest
Lock and Key Replacement
Newly Acquired Locations
Off Premises Service Interruption
Plant, Trees or Shrubs
Pollution Clean Up & Removal
Professional Fees
Terrorism - Per Occurrence/Aggregate
Transit
Unnamed Locations
Valuable Papers
Additional Covered Property

Roadways, walks, Patios, or other paved surfaces.
Foundations of Buildings, structures, piers
Underground pipes, flues or drains
Retaining walls that are not part of building
Back Up of Sewers
Time Element Coverages

Civil Authority
Contingent Business Income
Ingress/Egress
Ordinary Payroll - Included / Excluded
Period of Indemnity
Boiler & Machinery

Property Damage
Expediting Expenses
Hazardous Substances
Perishable Goods
Water Damage
Any other Substance
Key Coverage Extensions/Conditions

Blanket Mortgagee/Loss Payee
Terrorism/TRIA
Removal of Any Vacancy Restrictions
Cancellation Provision
Expiring Program Renewal Option #1
(INSERT) (INSERT)
January 1, 2014 - January 1, 2015 January 1, 2014 - January 1, 2015
Per Attached Schedule Per Attached Schedule
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$500,000,000 $500,000,000
$500,000 $500,000
$250,000,000 $250,000,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$10,000,000 $10,000,000
$50,000,000 $50,000,000
$50,000,000 $50,000,000
Replacement Cost Replacement Cost

Actual Loss Sustained Actual Loss Sustained
N/A N/A
$10,000 $10,000
24 Hours 24 Hours
$50,000 $50,000
$1,000 $1,000
5%/$100,000 Minimum 5%/$100,000 Minimum

2%/$100,000 Minimum 2%/$100,000 Minimum
$100,000 $100,000
$100,000 $100,000
$50,000 $50,000
2%/$100,000 Minimum 2%/$100,000 Minimum
$10,000 $10,000
$5,000,000 $5,000,000
$25,000 $25,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$500,000 $500,000
$25,000 $25,000
$10,000,000 $10,000,000
$10,000,000 $10,000,000
$100,000 $100,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$5,000,000 $5,000,000
365 Days 365 Days
$500,000 $500,000
$250,000 $250,000
$1,000,000 $1,000,000
$25,000 $25,000
$10,000,000 for 180 Days $10,000,000 for 180 Days
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$100,000 $100,000
$100,000 $100,000
Included Included
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
30 Days 30 Days
$2,500,000 $2,500,000
60 Days 60 Days
365 Day Period 365 Day Period
Unlimited Unlimited
365 Days 365 Days
Included Included
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
$500,000 $500,000
Included Included
Included Included
Included Included
120 Days except 10 Days Non-Payment 120 Days except 10 Days Non-Payment
Renewal Option #2
(INSERT)
Per Attached Schedule
$ 555,555
$ 555
$ 556,110
$500,000,000
$500,000
$250,000,000
$10,000,000
$10,000,000
Included
$10,000,000
$50,000,000
$50,000,000
Replacement Cost
Actual Loss Sustained
N/A
$10,000
24 Hours
$50,000
$1,000
5%/$100,000 Minimum
2%/$100,000 Minimum
$100,000
$100,000
$50,000
2%/$100,000 Minimum
$10,000
$5,000,000
$25,000
$10,000,000
$10,000,000
Included
$500,000
$25,000
$10,000,000
$10,000,000
$100,000
$1,000,000
$1,000,000
$5,000,000
365 Days
$500,000
$250,000
$1,000,000
$25,000
$10,000,000 for 180 Days
$1,000,000
$1,000,000
$100,000
$100,000
Included
$1,000,000
$1,000,000
$1,000,000
Covered
Covered
Covered
Covered
Covered
30 Days
$2,500,000
60 Days
365 Day Period
Unlimited
365 Days
Included
$500,000
$500,000
$500,000
$500,000
$500,000
Included
Included
Included
120 Days except 10 Days Non-Payment

Client Name
Difference in Conditions Specifications
Insurer
Policy Term
Locations Covered
Premium
Taxes & Fees
Total
Coverage
Blanket Loss Limits - Per Occurrence Unless Otherwise Indicated

Total Loss Limit /Aggregate on Real Property, Tenant's Improvements,
Fixtures, Equipment, EDP, Business Income/Extra Expense, Business
Personal Property
Definitions
Earth Movement
Flood
Occurrence Clause
Valuation
Property
Business Income
Coinsurance
Deductibles
All Other Perils
Time Element
Earthmovement Sprinkler Leakage
Earthmovement - California
Flood
Key Sublimits -Per Occurrence Unless Otherwise Indicated

Building Ordinance - Demolition
Building Ordinance - Increased Cost of Construction
Building Ordinance - Loss to Undamaged Portion
Debris Removal
Additional Covered Property

Roadways, walks, Patios, or other paved surfaces.
Foundations of Buildings, structures, piers
Underground pipes, flues or drains
Retaining walls that are not part of building
Time Element Coverages

Civil Authority
Ingress/Egress
Period of Indemnity

Blanket Mortgagee/Loss Payee
Terrorism/TRIA
Drop Down Clause
Margin Clause / Occurrence Limit of Liability Wording
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
Earth Movement, Earthquake Sprinkler Earth Movement, Earthquake Sprinkler

Leakage and Flood Leakage and Flood
$10,000,000 $10,000,000
(Insert Definition Here. Incl. Hour Clause) (Insert Definition Here. Incl. Hour Clause)
(Insert Definition Here. Incl. Hour Clause) (Insert Definition Here. Incl. Hour Clause)
168 Hours 168 Hours
Replacement Cost Replacement Cost

Actual Loss Sustained Actual Loss Sustained
N/A N/A
$25,000 $25,000
24 Hours 24 Hours
$50,000 $50,000
5%/$100,000 Minimum 5%/$100,000 Minimum
$100,000 $100,000
5%/$100,000 Minimum 5%/$100,000 Minimum
$10,000,000 $10,000,000
$10,000,000 $10,000,000
Included Included
$10,000,000 $10,000,000
Covered Covered
Covered Covered
Covered Covered
Covered Covered
30 Days 30 Days
60 Days 60 Days
Unlimited Unlimited
365 Days 365 Days
Included Included
Included Included
Included Included
Remove Remove
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
Earth Movement, Earthquake Sprinkler

Leakage and Flood
$10,000,000
(Insert Definition Here. Incl. Hour Clause)

(Insert Definition Here. Incl. Hour Clause)
168 Hours
Replacement Cost
Actual Loss Sustained
N/A
$25,000
24 Hours
$50,000
5%/$100,000 Minimum
$100,000
5%/$100,000 Minimum
$10,000,000
$10,000,000
Included
$10,000,000
Covered
Covered
Covered
Covered
30 Days
60 Days
Unlimited
365 Days
Included
Included
Included
Remove

Client Name
General Liability Specifications
Insurer
Policy Term
Locations Covered
Total Square Footage
Premium
Taxes & Fees
Total
Limits of Liability
Each Occurrence Limit
General Aggregate
Products/Completed Operations Aggregate
Personal and Advertising Injury
Fire Damage
Medical Expense (any one person)
Deductible/Self Insured Retention
Employee Benefits Liability - (Claims Made)

Each Claim Limit
Aggregate Limit
Deductible - Each Claim
Retro Date
Key Coverage Extensions / Conditions

Named Insureds
Blanket Additional Insured - As Required By Written Contract
Blanket Additional Insured - Mortgagee, Assignee or Receiver
Blanket Waiver of Subrogation
Bodily Injury to Fellow Employees
Broadened Bodily Injury Definition (Mental Anguish)
Defense
Expected or Intended Injury - Reasonable Force
Host Liquor Liability
Hostile Fire Pollution Exception
Heating/Cooling Pollution Exception
Incidental Medical Malpractice
Knowledge/Notice of Occurrence
Newly Formed or Acquired Organizations
(90 Days) Watercraft Up to 55Ft
Non-Owned
Notice of Cancellation to Others
Per Location General Aggregate
Terrorism
Unintentional Errors & Omissions
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$2,000,000 $2,000,000
$2,000,000 $2,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$5,000 $5,000
$0 $0
$1,000,000 $1,000,000
$2,000,000 $2,000,000
$1,000 $1,000
March 1, 2013 March 1, 2013
Broad Form and Per Attached Schedule Broad Form and Per Attached Schedule
Included Included
Included Included
Included Included
Included Included
Included Included
Inside / Outside of Limits Inside / Outside of Limits
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$1,000,000
$2,000,000
$2,000,000
$1,000,000
$1,000,000
$5,000
$0
$1,000,000
$2,000,000
$1,000
March 1, 2013
Broad Form and Per Attached Schedule

Included
Included
Included
Included
Included
Inside / Outside of Limits
Included
Included
Included
Included
Included
Included
Included
Included
Included
Included
Included
Included

Client Name
Automobile Specifications
Insurer
Policy Term
Autos Covered
Premium
Taxes & Fees
Total
Limits of Liability
Combined Bodily Injury & Property Damage Liability - Any Auto
Auto Medical Payments Each Person - Owned Autos
Uninsured and Underinsured Motorists - Owned Autos
Physical Damage - Owned & Hired Autos
Rental Reimbursement
Garage Keeper's Legal Liability
Deductibles
Comprehensive - Owned Autos
Collision - Owned Autos
Garage Keeper's Legal Liability (Comp/Collision)

Blanket Additional Insured
Bodily Injury Definition Including Mental Anguish
Deletion of Fellow Employee Exclusion
Drive Other Car Coverage
Employee as Insureds
Employee Hired Auto
Named Insureds
Uninentional Errors & Omissions
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$5,000 $5,000
$1,000,000 $1,000,000
Actual Cash Value or Cost of Repair Actual Cash Value or Cost of Repair
$100 per day / 30 Days $100 per day / 30 Days
$1,000,000 $1,000,000
$500 $500
$1,000 $1,000
$1,000 $1,000
Included Included
Included Included
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$1,000,000
$5,000
$1,000,000
Actual Cash Value or Cost of Repair
$100 per day / 30 Days
$1,000,000
$500
$1,000
$1,000
Included
Included

Client Name
Umbrella Specifications
Insurer
Policy Term
Locations Covered
Premium
Taxes & Fees
Total
Limits of Liability
Per Occurrence Limit
General Aggregate
Products Completed - Operations Aggregate
Self-Insured Retention
Schedule of Underlying
General Liability
Employee Benefits Liability
Automobile Liability
Garage keeper's Legal Liability
Employer's Liability
Foreign Package

Named Insureds
Blanket Additional Insured - As Required By Written Contract
Blanket Additional Insured - Mortgagee, Assignee or Receiver
Blanket Additional Insured - Owners, Mgrs or Lessors of Premises
Bodily Injury to Co-Employees
Broadened Bodily Injury Definition (Mental Anguish)
Defense
Expected or Intended Injury - Reasonable Force
Hostile Fire Pollution Exception
Heating/Cooling Pollution Exception
Incidental Medical Malpractice
Knowledge/Notice of Occurrence
Newly Formed or Acquired Organizations (90 Days)
Non-Owned Watercraft Up to 55Ft
Notice of Cancellation to Others
Terrorism
Unintentional Errors & Omissions
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$75,000,000 $75,000,000
$75,000,000 $75,000,000
$75,000,000 $75,000,000
None None
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Inside/Outside Limits Inside/Outside Limits
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Included Included
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$75,000,000
$75,000,000
$75,000,000
None
Included
Included
Included
Included
Included
Included

Included
Included
Included
Included
Included
Included
Inside/Outside Limits
Included
Included
Included
Included
Included
Included
Included
Included
Included
Included
Included

Client Name
Workers' Compensation Specifications
Insurer
Policy Term
Locations Covered
Experience Modification Factor
Premium
Taxes & Fees
Total
Estimated Payroll
Class Code 8810
Class Code 8742
Limits of Liability
Workers' Compensation
Bodily Injury by Accident, Each Accident

Bodily Injury by Disease, Each Employee
Bodily Injury by Disease, Policy Limit

Directors and Officers
Stop Gap
Terrorism included
Voluntary Compensation
US L & H
TBD TBD
90% 90%
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$100,000 $100,000
$6,184,137 $6,184,137
Statutory Workers’ Compensation Benefits as Statutory Workers’ Compensation Benefits as

required by state of California required by state of California
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
Covered / Not Covered Covered / Not Covered

Included Included
Included Included
Included Included
Included Included
Included Included
Renewal Option #2
TBD
90%
$ 555,555
$ 555
$ 556,110
$100,000
$6,184,137
Statutory Workers’ Compensation Benefits as

required by state of California
$1,000,000
$1,000,000
$1,000,000
Covered / Not Covered

Included
Included
Included
Included
Included

Client Name
Foreign Package Specifications
Coverage and Terms
Insurer
Policy Term
Locations Covered
Premium
Taxes & Fees
Total
Foreign General Liability Limits

Each occurrence
General Aggregate
Products-Completed Operations Aggregate
Personal and Advertising Injury Limit (any one person or
organization)
Damage to Premises Rented to You Limit (any one premises)
Medical Expenses Limit (any one person)
Foreign Employee Benefits Liability Limit

Each Claim
Annual Aggregate Limit
Contingent Auto Liability Limit

Each Accident
Auto Medical Payments - Each Accident
Hired Auto Physical Damage
Foreign Voluntary Workers' Compensation / Employers' Liability and Repatriation Expense Benefits
for Voluntary Compensation
North Americans
Third Country Nationals
Local Nationals
Employers Liability
Bodily Injury by Accident - Each Accident
Bodily Injury by Disease including by endemic disease - Each
Employee
Bodily Injury by Disease including by endemic disease - Policy
Limit
Executive Assistance Services
Policy Limit for Medical Assistance Services
Accidental Death and Dismemberment and Medical Expense Coverage

Accidental Death and Dismemberment Principal Sum
Accidental Death and Dismemberment Aggregate Limit
Corporate Kidnap and Extortion Coverage

Extortion / Ransom Monies Payment - Each Covered Loss, No
Aggregate
In-Transit Extortion / Ransom Monies Loss
Expenses - Each Covered Loss, No Aggregate
Legal Costs - Each Covered Loss, No Aggregate
Medical , Death or Dismemberment - Each Life
Medical , Death or Dismemberment - Each Incident
Incident Response - Each Covered Loss, No Aggregate
Deductibles
Broadened Named Insured
Blanket Additional Insured – By Contract
Blanket Additional Insured – Broad Form Vendors
Blanket Additional Insured – Owners, Managers or Lessors of
Premises
Blanket Additional Insured – Lessors of Leased Equipment
Blanket Additional Insured – Contingent Auto, required by
written contract
Unintentional Errors or Omissions
Fellow Employee Coverage
Employees as Insureds
Newly Acquired and Formed Organizations – 90 days
Contractual Liability
Vendors as Additional Insureds
Note
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
N/A N/A
$2,000,000 $2,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$25,000 $25,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$50,000 $50,000
$50,000 Maximum $50,000 Maximum
mployers' Liability and Repatriation Expense Benefits
State of Hire State of Hire

Country of Origin Country of Origin
Country of Origin Country of Origin
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
dical Expense Coverage

$50,000 $50,000
$1,500,000 $1,500,000
$250,000 $250,000
$250,000 $250,000
$250,000 $250,000
$250,000 $250,000
$10,000 $10,000
$100,000 $100,000
$250,000 $250,000
Nil Nil
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Covered Covered
Local policies to be issued in Singapore and Italy. Local policies to be issued in Singapore and Italy.
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$1,000,000
N/A
$2,000,000
$1,000,000
$1,000,000
$25,000
$1,000,000
$1,000,000
$1,000,000
$50,000
$50,000 Maximum
State of Hire
Country of Origin
Country of Origin
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$50,000
$1,500,000
$250,000
$250,000
$250,000
$250,000
$10,000
$100,000
$250,000
Nil
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Local policies to be issued in Singapore and Italy.

Client Name
Fine Arts Specifications
Coverage and Terms
Insurer
Policy Term
Locations Covered
Premium
Taxes & Fees
Total
Covered Property
Limits of Liability
Any one loss
Earthquake - Annual Aggregate
Deductibles
Earthquake

Employee Theft of Fine Arts
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$75,000,000 $75,000,000
$75,000,000 $75,000,000
Nil except: Nil except:

$25,000 $25,000
Included Included
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$75,000,000
$75,000,000
Nil except:
$25,000
Included

Client Name
Crime Specifications
Coverage and Terms
Insurer
Policy Term
Locations Covered
Premium
Taxes & Fees
Total
Limits of Liability (Per Occurrence)

Employee Theft
Forgery or Alteration
Loss of Money & Securities - Inside the premises
Robbery & Safe Burglary - Inside the premises
Loss of Money & Securities - Outside the premises
Computer Fraud - Fraudulent Transfer of Funds
Funds Transfer - Written, Electronic, Telephone
Money Orders & Counterfeit Money
Credit, Debit, Charge Card Forgery
Client's Property
Claim Expense
ID Fraud
Deductibles
Per Occurrence

Worldwide Coverage Territory
Policy Form
TBD TBD
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$1,000,000 $1,000,000
$25,000 $25,000
$25,000 $25,000
$10,000 $10,000
Included Included
Discover Form / Loss Sustained Form Discover Form / Loss Sustained Form
Renewal Option #2
TBD
$ 555,555
$ 555
$ 556,110
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$1,000,000
$25,000
$25,000
$10,000
Included
Discover Form / Loss Sustained Form

Client Name
Professional Liability Specifications
Insurer
Policy Term
Professional Services Definition
Premium
Taxes & Fees
Total
Limits of Liability
Per Claim
Annual Aggregate
Retention
Each Claim
Key Terms and Conditions

Pending or Prior Litigation Date
Retroactive Date
Discovery Period
Defense Costs
Notice of Cancellation

Fair Housing Act Discrimination Claim
Lock Box Claim
Licensing Proceeding Claim
Crisis Management Event
Contingent Bodily Injury & Property Damage
Coverage for Properties with Less than 75% Ownership

Automatic Extended Reporting Period
Hammer Clause
Prior Acts Coverage
Key Policy Definitions

Claim
Insured
Wrongful Act
Insured Personal Litigation Expense Reimbursement
Disciplinary Proceedings
Estates, Heirs, or Legal Representatives Coverage
Express Domestic Partners and Lawful Spouse Coverage
TBD TBD
Property Management, Leasing, Construction Property Management, Leasing, Construction

Management and Asset Management, Management and Asset Management,
Development Management Development Management
$ 555,555 $ 555,555
$ 555 $ 555
$ 556,110 $ 556,110
$5,000,000 $5,000,000
$5,000,000 $5,000,000
$20,000 $20,000
April 20, 2010 April 20, 2010

April 20, 2010 April 20, 2010
1 Year - 100% of Premium 1 Year - 100% of Premium
Within the limits Within the limits
60 Days / 20 days for nonpayment 60 Days / 20 days for nonpayment
$250,000 $250,000
$250,000 $250,000
$100,000 $100,000
$25,000 $25,000
Included; With Respects to covered claims Included; With Respects to covered claims
arising from Property Management Services arising from Property Management Services
Included Included
60 Days 60 Days
80/20 80/20
Included Included
Written demand for monetary or non- Written demand for monetary or non-
monetary relief or services, civil judicial, monetary relief or services, civil judicial,
administrative, arbitral or regulatory administrative, arbitral or regulatory
proceeding, written request to toll or waiver proceeding, written request to toll or waiver
the applicable statute of limitations relating to the applicable statute of limitations relating to
a potential claim. a potential claim.
Company, Named Insured, director, officer, Company, Named Insured, director, officer,
partner, member of management committee, partner, member of management committee,
employee, but solely in the capacity he or she employee, but solely in the capacity he or she
is alleged to have rendered or failed to render is alleged to have rendered or failed to render
professional services. professional services.
Actual or alleged act, error, or omission in the Actual or alleged act, error, or omission in the
course of rendering professional services course of rendering professional services
$250 per day/$5,000 per claim for loss of $250 per day/$5,000 per claim for loss of
earnings and expenses related to attending earnings and expenses related to attending
hearings, trials, mediation, etc. hearings, trials, mediation, etc.
$10,000 for defense costs related to $10,000 for defense costs related to
Disciplinary Proceedings of any organization Disciplinary Proceedings of any organization
with authority or license to regulate with authority or license to regulate
professional services professional services
Coverage extends to estates, heirs, or legal Coverage extends to estates, heirs, or legal
representative of any deceased insured representative of any deceased insured
Coverage extends to domestic partner and Coverage extends to domestic partner and
lawful spouse of insured lawful spouse of insured
Renewal Option #2
TBD
Property Management, Leasing, Construction

Management and Asset Management,
Development Management
$ 555,555
$ 555
$ 556,110
$5,000,000
$5,000,000
$20,000
April 20, 2010

April 20, 2010
1 Year - 100% of Premium
Within the limits
60 Days / 20 days for nonpayment
$250,000
$250,000
$100,000
$25,000
Included; With Respects to covered claims
arising from Property Management Services
Included
60 Days
80/20
Included
Written demand for monetary or non-

monetary relief or services, civil judicial,
administrative, arbitral or regulatory
proceeding, written request to toll or waiver
the applicable statute of limitations relating to
a potential claim.
Company, Named Insured, director, officer,
partner, member of management committee,
employee, but solely in the capacity he or she
is alleged to have rendered or failed to render
professional services.
Actual or alleged act, error, or omission in the

course of rendering professional services
$250 per day/$5,000 per claim for loss of

earnings and expenses related to attending
hearings, trials, mediation, etc.
$10,000 for defense costs related to
Disciplinary Proceedings of any organization
with authority or license to regulate
professional services
Coverage extends to estates, heirs, or legal
representative of any deceased insured
Coverage extends to domestic partner and

lawful spouse of insured

Client Name
Named Insured Schedule
January 1, 2013 to January 1, 2014
Named Insureds
Ownership
Description of Operations
Client Name
Statement of Values
2013 - 2014
Rental
Year Tenant Income
Location / Building No. of Protections Square Marshall & Contents Total
Loc # Constructi Built/ Sprinklere Flood Building Improvem
Ownership Street Address City State ZIP Code Use/ Stories Guard/Alarm/ Footage EQ Zone Swift (Incl. Insured Comments
on Class Upgrades d (Y/N) Zone Value ents (Incl.
Name Occupancy Fire/Smoke Valuation EDP) Values
Extra
Expense)
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
$ -
TOTAL $ - $ - $ - $ - $ - $ -
Commercial Property Casualty Insurance
Additional Coverages
q Employed Lawyers Professional Liability Insurance

Provides coverage for in-house counsel for claims arising out of the performance of professional legal services on behalf
Moonlighting and Pro Bono coverage is also available.
q Employment Practices Liability Insurance
Provides coverage for claims brought by employees alleging wrongful termina

discrimination or other violations of an employee’s civil rights. Coverage for c
employee third parties alleging discrimination or harassment is also available.
q ERISA Fiduciary Liability Insurance
Provides coverage for claims alleging breaches in fiduciary duty under ERISA
local or foreign laws. Such breaches of duty may include violations of any res
or duties imposed on any person who exercises discretionary authority or con
management or administration of any benefit plan or its assets.
q Network Security & Privacy Insurance (Cyber liability)

Provides coverage for 3rd party claims arising out of a breach in network secu
failure to safeguard confidential personal or corporate information in any form
Party Business Interruption, Credit Monitoring and Notification Costs (either v
Statute) may also be included.
q Foreign Package
Provides coverage for employees traveling outside of the United States (and C
stationed outside of the United States that could become involved in incidents
Foreign Package Policy provides General Liability and Excess Automobile Liabi
policy would also provide Foreign Voluntary Workers Compensation and Repa
q Kidnap/Ransom and Extortion

Provides coverage for loss arising from an actual or attempted abduction or e
q Flood
Provides Coverage for damage to property caused by Flood.
q Executive Benefits and Succession Planning

Provides Coverage to protect against the risks associated with the untimely d
executive, including succession planning, life insurance, disability insurance, l
planning.

Property & Liability Renewal Comparison

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Property & Liability Renewal Comparison

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Exposure, Premium & Rate Comparison

January 1, 2014 - January 1, 2015

Package Exposure & Rate Comparison Expiring Renewal

Total Insurable Value (TIV)

DIC Exposure & Rate Comparison Expiring Renewal

Total Insurable Value (TIV) $ 61,472,000 $ 61,575,000

Average DIC Rate Per $100 TIV $ 0.1964 $ 0.2014

Property $ 106,527.00 $ 109,990.00

General Liability $ 19,921.00 $ 20,648.00

Automobile $ 551.00 $ 551.00

Crime Premium $ 1,238.00 $ 1,238.00

Total for Package $ 128,237.00 $ 132,427.00

$9M Umbrella Liability $ 11,025.00 $ 11,442.00

Total for Umbrella $ 11,025.00 $ 11,442.00

$5M DIC $ 120,750.00 $ 124,000.00

Total for DIC $ 120,750.00 $ 124,000.00

Grand Total $ 260,012.00 $ 267,869.00

-0.22% Sum of Property value from SOV

0.00% Sum of Square Footage value from SOV

Blanket Loss Limits - Per Occurrence Unless Otherwise Indicated

Key Sublimits -Per Occurrence Unless Otherwise Indicated

Additional Covered Property

Time Element Coverages

Boiler & Machinery

Key Coverage Extensions/Conditions

Replacement Cost Replacement Cost

5%/$100,000 Minimum 5%/$100,000 Minimum

120 Days except 10 Days Non-Payment

Blanket Loss Limits - Per Occurrence Unless Otherwise Indicated

Key Sublimits -Per Occurrence Unless Otherwise Indicated

Additional Covered Property

Time Element Coverages

Key Coverage Extensions/Conditions

Earth Movement, Earthquake Sprinkler Earth Movement, Earthquake Sprinkler

Replacement Cost Replacement Cost

Earth Movement, Earthquake Sprinkler

(Insert Definition Here. Incl. Hour Clause)

120 Days except 10 Days Non-Payment

Employee Benefits Liability - (Claims Made)

Key Coverage Extensions / Conditions

Broad Form and Per Attached Schedule

120 Days except 10 Days Non-Payment

Key Coverage Extensions/Conditions

Broad Form and Per Attached Schedule

120 Days except 10 Days Non-Payment

Key Coverage Extensions/Conditions

Broad Form and Per Attached Schedule

120 Days except 10 Days Non-Payment

Bodily Injury by Accident, Each Accident

Key Coverage Extensions/Conditions

Statutory Workers’ Compensation Benefits as Statutory Workers’ Compensation Benefits as

Covered / Not Covered Covered / Not Covered

Statutory Workers’ Compensation Benefits as

Covered / Not Covered

120 Days except 10 Days Non-Payment

Foreign General Liability Limits

Foreign Employee Benefits Liability Limit

Contingent Auto Liability Limit

Accidental Death and Dismemberment and Medical Expense Coverage

Corporate Kidnap and Extortion Coverage

mployers' Liability and Repatriation Expense Benefits

State of Hire State of Hire