MONTANA ASSOCIATION OF COUNTIES
JOINT POWERS INSURANCE AUTHORITY
ESTABLISHED in 1986
MEMBER OWNED
Property & Liability Pool
For public entities
A service provided by the Montana Association of Counties
The purpose of this pamphlet is
information only. It is not intended to
be a proposal or quote for coverage.
MISSION STATEMENT:
The Montana
Association of Counties Joint Powers Insurance Authority (MACo/JPIA) is
dedicated to providing comprehensive property and casualty coverages to member
counties and affiliate members by providing long term stability in coverages,
stabilizing and controlling risk costs, aggressively defending claims and
providing quality risk management and administrative services. Services will be provided while using sound
financial and management practices.
ADVANTAGES OF BEING A MEMBER OF THE JPIA
POOL
OR
HOW THE POOL DIFFERS FROM THE COMPETETION
·
THE POOL IS CONTROLLED (OWNED) BY YOU.
·
BROAD & FLEXIBLE COVERAGES
It
is our manuscripted liability policy. We can add coverage’s needed by all members like:
Ö
Weedspraying
liability coverage
Ö
Special
Events coverage for user groups
Ö
Defense
for land-use planning claims
Ö
Nurses
malpractice liability coverage
Ö
Access
to affordable airport liability coverage
Ö
Broad
and inclusive employment practices coverage
Ö
Excess
liability limits for Federal and out-of-state claims
Ö
Pollution
coverage for landfill and refuse operations
Ö
Prisoner
medical expense coverage in consideration with the MT. Sheriff & Peace
Officers Association.
·
STABLE COMPETETIVE RATES-POSITIVE LOSS
RATIOS AWARDED BY REDUCTION IN LIABILITY PREMIUMS
·
EXCLUSIVELY DESIGNED FOR PUBLIC ENTITIES
·
LOW FIXED EXPENSES
·
POSITIVE NET ASSETS USED FOR THE BENEFIT
OF THE MEMBERS
C
ORGANIZATIONAL
STRUCTURE
C
PROGRAM STRUCTURE
C
SUMMARY OF
COVERAGES
C
SUMMARY OF
SERVICES
C
YOUR TRUSTEES
& SERVICE TEAM; MEMBERSHIP LIST
ORGANIZATIONAL
STRUCTURE
MACo/JPIA is governed by a seven member Board of Trustees. Six members of the Trustees are elected by
the County membership on alternating three year terms. The Executive Director of MACo serves as
the seventh member. The Trustees are
responsible for supervising the operation of the JPIA pool including policy
requirements, pool/financial structure, service programs, claims, approval and
management of the pool.
MACo/JPIA
ORGANIZATIONAL CHART
COUNTY MEMBERS
BOARD OF TRUSTEES EXECUTIVE COMMITTEE EXECUTIVE DIRECTOR
MACo / JPIA MARKETING MACo RISK MANAGER MACo / JPIA PERSONNEL
SERVICES
ADMINISTRATIVE ASSISTANT RISK MANAGEMENT ASSISTANT
ada (formerly WILLIS)
claims service AGENTS REINSURER COUNSEL PROPERTY COREGIS Blanket
limit total valuation $50,000,000 for
floods $50,000,000
for eathquake Property
Aggregate Deductible $195,000 SIR $50,000 HARTFORD
STEAM & BOILER Boiler
& Machinery FACTORY
MUTUAL Crime Maintenance
Deductible (per occurrence) varies by member by line of coverage CASUALTY and LIABILITY MIDWEST CASUALTY Umbrella
Aggregate Reinsurance
$5,000,000 Pool
Aggregate $750,000
each claim $1,500,000
each occurrence General
Liability Auto
Liability Public
Officials Errors and Omissions Liability Law
Enforcement Liability STATES
INSURANCE $5,000,000
for Federal and out-of-state claims $750,000
each claim $1,500,000
each occurrence SUMMARY OF COVERAGES SECTION
I Property Boiler
and Machinery Crime SECTION
II Comprehensive General
Liability Law
Enforcement Weedspraying
Liability Nurses
Malpractice Liability Disaster
Relief Team Liability SECTION
III Automobile Liability SECTION
IV Public Officials Errors and
Omissions Federal
and Out-of-State Excess ‚
Coverages include: - Real & Personal Property
Blanket RC Agreed Amount - Flood
Zone A - Flood
all locations except Zone A - Earthquake - Automatic
Acquisition (Buildings) - Automatic
Acquisition (Personal Property) - Transit - Personal
Property of Employees & Volunteers - Business
Income - Extra Expense - Valuable
Papers - Accounts
Receivable - Computer
Equipment and Media - Fine
Arts - Mobile,
Portable or Contractor’s Equipment - Vehicles - Watercraft -
Miscellaneous
Property -
Trees,
Shrubs and Landscape Planting -
Golf
Course Greens and Tees -
Animals -
Paved
Surfaces -
Bridges -
Commandeered
or Impounded Property -
Emergency
Services Portable Equipment -
Communications
Equipment -
Builders
Risk -
Money
& Securities (On Premises) -
Money
& Securities (Off Premises) -
Preservation
of Property -
Fire
Department Services Charge -
Repair
of Theft Damage to Non-Owned Buildings -
Inventory
After a Loss -
Debris
Removal –Greater of 25% of Loss or -
Demolition
– Greater of 25% of Loss of -
Increased
Cost of Construction – Greater of 15% of Damaged building Value or -
Fire
Protection Devices Recharge -
Lock
Replacement -
Pollutant
Clean Up (Property) -
Pollutant
Clean Up (Land & Water) -
Arson
& Crime Reward -
Utility
Interruption BOILER AND MACHINERY- HARTFORD STEAM - BOILER - Blanket, all risk for all property in which a member
has an insurable interest. CRIME – FACTORY MUTUAL ‚
Employee Dishonesty and
Faithful Performance - $500,000/occurrence Fidelity
Bond Coverage ‚
Forgery and Altercation-$500,000/occurrence ‚
Theft, Disappearance
and Destruction-$500,000/occurrence ‚
Computer Fraud-
$500,000/occurrence NOTE:
The Coverage includes bond coverage as required by State Law. All Property/Crime/Boiler and Machinery coverage
limits are subject to a minimum underlying SIR of $50,000 each and every loss
and on an annual aggregate for all property coverage’s of $175,000. The members’ maintenance deductible applies
per occurrence. SECTION
II COMPREHENSIVE
GENERAL LIABILITY, INCLUDING LAW
ENFORCEMENT LIABILITY ‚
Limit of Liability -
$750,000 per claim $1,500,000/occurrence Premise
medical payments - $5,000 each person $50,000 each accident. ‚
Law Enforcement
Liability - $750,000/claim $1,500,000/occurrence The above
limits are subject to the following additional limits: - $1,000,000 in the
aggregate annually respects to product and completed operations per member; - $3,000,000 in the aggregate annually reports to Section II
coverage’s per member including a separate $3,000,000 annual aggregate limit
for both and each law enforcement and general liability coverages. Coverages Include: - Premises Operations - Independent
Contractors - Blanket
Contractors - Owned
and Non-owned Watercraft - Limit 26 ft. - Incidental
Malpractice - XCU
Exclusions Do Not Apply - Broad
Form Property Damage -
Riot,
Civil Commotion, Mob Action or Act, or Omission in Connection with the Prevention or Suppression Thereof -
Broad
Form Named Insured Including Employees, Board Members and Volunteers - Personal
Injury - Mental
Injury - Bodily
Injury - Mental
Anguish - Shock - False
Arrest - False
Imprisonment - Wrongful
Eviction - Detention - Malicious
Prosecution - Discrimination - Humiliation - Invasion
of Privacy - Libel,
Slander, Defamation of Character - Infringement
of Copyright - Violation
of Civil Rights - Assault
& Battery - Employee
Benefits Liability - Products
& Completed Operations - Law
Enforcement Activities - Failure
to Supply -
Good
Samaritan Liability EXCLUSIONS
- Some of the exclusions include: - Asbestos Claims -
Sexual
& Physical Abuse except when alleged as an “Errors & Omissions” (Sec.
IV) - Absolute
Pollution - Schools - Housing
Authorities - Discrimination
related to employment or wrongful termination* - Aircraft/Aviation
Activities/Airport premises - Hospital,
Clinic and Nursing Home Malpractice other than endorsed for Nurses - Medical
Malpractice other than EMT’s and nurses -
Inverse
Condemnation except for defense costs for subdivision review
cases -
PCB’s * Refer to Error and Omissions Section for coverage. See policy for the specific wording and complete
list of exclusions. Coverage under Section IIA, of the MACo/JPIA
policy, is extended to include property damage liability for claims arising out
of weedspraying operations by or on behalf of the insured. Limit of Liability $500,000/ occurrence/limit $500,000 in the aggregate annually All claims arising out of a single weedspraying
operation will be deemed to be one occurrence. All other terms, conditions,
and exceptions remain unaltered. NURSES
MALPRACTICE LIABILITY Coverage under Section II A of the MACo/ JPIA
policy is extended to include medical malpractice coverage for County Health
Nurses and /or County Nursing Home nurses for claims arising while acting
within the scope of their duties and for the activities for which they are
licensed or certified. Limits of Liability $750,000/claim; $ 1,500,000 /occurrence except as
required for certain training activities whereby the liability limits would
require $1,000,000/ occurrence. All other terms conditions,
and exceptions remain unaltered. Coverages under Section II A of the MACo/ JPIA
policy is extended to include liability coverage for Disaster Relief Teams
while acting within the scope of the teams duties while providing a service for
MACo/ JPIA member counties. Limit
of Liability - $ 750,000/ claim $ 1,500,000 / occurrence All terms, conditions and
exceptions remain unaltered. SECTION
III AUTOMOBILE
LIABILITY ‚
Limit of Liability $750,000/claim;
$1,500,000/occurrence ‚
Automobile Medical Payments $5,000 each person $50,000
each accident ‚
Uninsured / Underinsured Motorists applicable State limit
not exceeding $1,500,000/occurrence ‚
Includes Owned/and Non-owned Autos - at stated limits. SECTION
IV PUBLIC
OFFICIALS ERROR AND OMISSIONS ‚
Limit of Liability - $ 750,000/ claim $
1,500,000 / occurrence ‚
An extended Reporting Period is available for Public
Officials’ Error and Omissions coverage, which is on claims made form. RETROACTIVE DATE -
Unlimited In the event of
cancellation or non-renewal, the Insured will have the option of purchasing an
extended reporting period of this coverage.
This option must be exercised in writing within thirty (30) days of such
termination. The coverage provided
during any extended reporting period will be governed by the terms and
conditions of the actual policy of insurance issued by the underwriters for the
MACo/JPIA. If the Insured does
not purchase the extended reporting period, the terms and conditions of the actual
policy insurance issued by the underwriters apply to this coverage. The coverage includes coverage for
any wrongful act, Errors & Omissions by named insured unless otherwise
excluded. Includes Employment
Practices Liability coverage and defense costs for claims arising out of
subdivision review. Additional
Liability limits for Federal Court and out-of-state claims $5,000,000 x
$750,000/claim, $15,000,000/occurrence. Additional
limits are provided for claims ending up in Federal Court and for out-of-state
claims where the State statutory tort limits for public entities do not apply. The
additional limits ($5,000,000) apply only to Federal Court and out-of-state
claims that exceed the Tort limits. SUMMARY OF
SERVICES SERVICE BENEFITS The MACo/JPIA pool
not only provides packaged comprehensive, price competitive property and
casualty insurance coverages, but also a complete, comprehensive package of
services that are difficult to match anywhere. The services are designed and provided for the long-term
benefit of the pool members. ·
RISK MANAGEMENT SERVICES Provides loss prevention
and loss control of risk exposures through formal risk management and loss
control programs. - Law Enforcement Seminars - Road Tort Liability Seminars - Drivers Safety - Safety Committees - Regional Liability Loss Control Seminars - Coordination of Personnel and Property Risk Management
Services. ·
PERSONNEL SERVICES ADMINISTRATOR Provides assistance to JPIA
members to help protect pool members from the growing risk of employment
practice liability by providing advice and recommendations in consultation with
member counties regarding: - Employee selection issues - Termination issues - Performance issues - American with Disabilities Act issues - Family Medical Leave issues - Sexual Harassment issues - Personnel Policy and Procedures review and recommendations -
Other personnel related issues ·
PROPERTY COVERAGE SERVICES Services
provided by Coregis, in coordination with Risk Management, to achieve the goal
of providing JPIA members need risk assessment, loss prevention and
appraisal services for property insured by the pool including: - Risk
Assessment and Loss Prevention Services: Designed to identify significant
exposures and to recommend cost effective solutions. - Engineering Services: Provide detailed Loss Prevention
Reports (LPRs) from each inspection in addition to pre-design, design and
constructions advise for remodeling and new public buildings. -
Appraisal Services: Provides property appraisal
services for property valued at $250,000 and above. A minimal cost is charged for properties below $250,000 in
value. Appraisals are updated annually. ·
CLAIMS SERVICES Provides local
claims adjusting service for pool members.
The claims process includes the benefit of member input regarding the
settlement or litigation of a particular claim in consultation with the JPIA
Trustees. ·
ADMINISTRATIVE / MARKETING SERVICES - JPIA Marketing Director:
Provides Marketing and Administrative services to the pool members and Board of
Trustees including development of marketing goals and strategies, underwriting
methodologies, internal service programs, liaison with brokers, actuary,
insurance companies and the local agent and other administrative requirements
to efficiently and effectively manage the JPIA pool. -
Local Servicing Agent: Provides hands on services and
advise to the pool members in coordination with the pool service providers. TRUSTEES AND SERVICE TEAM
PROGRAM STRUCTURE 2002 - 2003
SECTION I
PROPERTY
WEEDSPRAYING LIABILITY
DISASTER
RELIEF TEAM LIABILITY
THIS IS A CLAIM MADE SECTION
STATES
EXCESS POLICY
YOUR TRUSTEES