8G
Date: June 23, 2026
To: Honorable Mayor and Members of the City Council
From: Ian Dailey, Finance Director
By: Jonathan Lackey, Risk Manager | [email protected] Subject: Finance – Approve Annual Premium Renewal of Property Insurance Coverage and Authorize Finance Director to Execute the Insurance Binder. Expenditure:
Not-to-Exceed $1,029,004.16 (Non-General Fund).
RECOMMENDATION
Recommendation of the Finance Director that City Council:
1. Approve annual renewal of property insurance coverage from Alliant Property Insurance Program (APIP) through Alliant Insurance Services Inc. of Irvine, CA, in the amount of $935,458.33, plus a 10% contingency fee, for a total not-to-exceed amount of $1,029,004.16, for a one-year (1) period beginning July 1, 2026, and ending July 1, 2027; and
2. Authorize Finance Director to execute the insurance binder.
FUNDING
Funding is available through the Fiscal Year 2026-27 Self-Insurance Fund Operating Budget.
DISCUSSION
The City has an ongoing need to purchase and maintain property insurance coverage. The City’s insured assets include buildings, heavy equipment, automobiles, buses and other property used to provide municipal services. It is important to maintain insurance because it protects the City’s assets from perils of fire, auto damage, theft and other hazards.
The City participates in a property insurance program called Alliant Property Insurance Program (APIP). This insurance program enables the City to purchase policies from carriers that specialize in the unique needs of public entities. APIP is one of the largest property insurance programs in the world with nearly 10,000 covered entities in 45 states, enabling the City to access insurance not available in smaller programs and obtain competitive pricing through risk sharing and group purchasing.
In prior program years, APIP was unable to accommodate the City’s automobile property exposures, requiring the City to secure coverage through a separate carrier. However, due to changes in the market, APIP is now able to provide automobile damage coverage at a lower cost than the previous standalone policy. By combining property and automobile coverage through APIP, the City will reduce premium costs while improving overall serviceability and program administration. 1 City Council
June 23, 2026
The property insurance policy is renewed on an annual basis and estimated premium is made available in June before the coverage expiration date of July 1. The renewal premium is quoted as an estimate because final premium dues are presented to the City after the policy expires on July 1. Staff presents an estimated premium to ensure Council approval is obtained prior to policy expiration. If the actual renewal premium is lower than the estimated amount, the difference translates to budget savings.
Analysis
For the 2026–2027 renewal, Berkshire Hathaway Specialty Insurance is the lead carrier and all carriers are rated A.M. Best A- VII or higher. This means the program is financially sound and of good quality.
The following are the highlights of the APIP coverage:
• Broader Coverage : The program includes a $500,000,000 per occurrence limit for all perils and coverages, subject to policy exclusions. The coverage includes significant coverage extensions such as claim preparation expenses, tax revenue interruption and unnamed location coverage. These coverages are important because major property losses often involve costs beyond direct physical repair.
• Auto Physical Damage Coverage : New to this renewal is the inclusion of auto physical damage coverage. The deductible is $50,000 per occurrence, except that vehicles with Replacement Cost Values between $250,000 and $750,000 are subject to a $100,000 deductible. Historically the City did not qualify for this coverage due to loss history and market conditions.
• Pollution Liability : $2,000,000 per incident limit. Coverage includes First and Third-party coverage for claims arising out of a pollution condition at a covered location, subject to policy terms, conditions and exclusions.
• Boiler & Machinery Coverage : $100,000 replacement cost per occurrence. Coverage includes jurisdictional inspections and supports the City’s exposure to mechanical, electrical, HVAC, boiler, pressure vessel, and equipment breakdown events. • Cyber Insurance : $2,000,000 annual aggregate limit. The cyber coverage includes breach response, business interruption, cyber extortion, data recovery, data and network liability, regulatory defense and penalties, payment card liabilities, media liability, eCrime, and related coverage features.
• Key Exclusions : Some perils exclusions from the coverage include: Earthquake shock, Flood, Communicable disease, cost of pollution cleanup and mold.
Market Conditions
The property insurance market for municipalities remains fragile but there are signs of improvement.
Local governments with well-valued facilities, modern structures, and clean loss histories are starting to see premium stabilization. On the other hand, underwriters are vigilant of California municipalities with higher catastrophic exposures such as windstorms, floods, earthquakes and wildfires.
Although market conditions are beyond the City’s control, the City can reduce the likelihood of future premium increases by preventing large and frequent reporting of claims. The City is taking actions by implementing loss prevention strategies such as cybersecurity and information security programs, fire prevention and property safety reviews.
2 City Council
June 23, 2026
Recommendations
The 2026–2027 APIP renewal provides the City with a comprehensive public-entity property insurance program that includes auto physical damage coverage. The program supports financial protection, operational continuity, claims coordination, and long-term risk management. Staff recommends annual renewal of property insurance coverage from APIP for a total amount not-to-exceed $1,029,004.16 for a one-year (1) period beginning July 1, 2026 and ending July 1, 2027.
ATTACHMENTS
1. 2026-2027 City of Torrance APIP Proposal
2. APIP Historical Premium
3 2023 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861
Presented on June 11, 2026 by:
Rennetta M. Poncy
Senior Vice President
Banesa Laird
First Vice President
Carol B Hill
Account Manager
City of Torrance
4 ATTACHMENT 1
2026-2027 Alliant Property Insurance Program (APIP) Executive Summary Page 1 of 2 City of Torrance
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
July 1, 2026 – July 1, 2027
EXECUTIVE SUMMARY
The key goals for the 2026/27 APIP renewal are to maintain financial efficiency, to provide comprehensive coverage, and to ensure program stability . Maintaining the balance between these goals along with the underwriting discipline provided by Alliant Underwriting Services has allowed APIP to thrive for over 30 years. As part of this renewal, the program continues to provide the core benefits that support stability, consistency, and long-term value for its Insured’s.
As most Insureds are aware, the property insurance market has continued to soften in 2026, creating an environment of improved pricing and coverage terms. The result is that most APIP I nsured’s will see a rate reduction at the 2026/27 renewal. Individual underwriting will be necessary for insureds that have large increases in exposure or are loss challenged.
For the 2026/27 renewal, Berkshire Hathaway Specialty Insurance (BHSI) leads the first $50,000,000 of the program.
The program limit will be at least $1,250,000,000 and up to $1,500,000,000 this year. The program is placed with worldwide markets rated at A.M. Best A- VII or higher.
Insureds should note the following items for this year’s renewal:
▪ Boiler & Machinery coverage for participating insureds of the APIP Boiler Program is placed with Hartford Steam Boiler (HSB), who will also perform required jurisdictional inspections. ▪ Vehicles/Contractor’s Equipment – it is important to note on the attached proposal whether the vehicle and/or contractors equipment valuation is Replacement Cost ( new) or Actual Cash Value (ACV). If Replacement Cost (new) valuation is needed, the insured must submit a schedule of vehicles or a vehicle valuation reporting form (provided in the pre-renewal packet) and vehicles must be valued at today’s Replacement Cost (new). If values are not reported at Replacement Cost (new), the vehicle/contractor’s equipment valuation basis will be ACV. ▪ Alliant Business Services (ABS) continues to play a significant role , not only in providing a wide range of loss control services, but also by offering appraisal services, business interruption assessments, valuation, consulting, and infrared testing. Please refer to our program brochure inserts for further details of our ABS services.
Please review important Disclosure and Loss Notification information included in your renewal materials.
Your review and acknowledgement of these documents are required via your signature once you authorize a request to bind coverage with your Alliant representative. Although this proposal packet is as complete as possible, program negotiations will continue up to the 7/1/ 2026 effective date. We will endeavor to provide any known material changes prior to renewal. All coverage items currently under review with APIP markets to be effective on 7/1/2026, are listed at the end of each coverage proposal being quoted.
ADDITIONAL COVERAGES REMAIN AVAILABLE FOR THOSE WHO WISH TO PURCHASE:
▪ Cyber (Privacy Liability) Coverage (1st and 3rd parties) for eligible insureds. Please refer to coverage as outlined in the following proposal which includes a summary of proposed changes for this renewal. Additional excess options are available, if requested for insureds with good security controls in place. Please note claims reporting time limit limitations for this coverage
▪ Pollution Coverage (1st and 3rd parties) for eligible insureds. Please refer to coverage as outlined in the following proposal which includes a summary of proposed changes for this renewal. Please note claims reporting time limit limitations for this coverage
5 2026-2027 Alliant Property Insurance Program (APIP) Executive Summary Page 2 of 2 City of Torrance
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
July 1, 2026 – July 1, 2027
EXECUTIVE SUMMARY
The annual renewal premium summary for the Alliant Property Insurance Program (APIP) effective 7/1/2026 is outlined in the below table which depicts key financial statistics relative to last year:
Year-over-Year Rate and Premium Comparison
City of Torrance
2025-2026
(at 01/23/2026)
2026-2027 Variance
Total Insurable Values (TIV): $ 324,489,983 $ 487,283,196 50.16% Earthquake TIV: Not Applicable Not Applicable N/A
Earthquake Limit: Not Covered Not Covered N/A
*Property Annual Cost: $ 623,446.35 $ 914,078.40 46.61% Cyber Liability Annual Cost: $ 14,824.90 $ 16,251.88 9.62% Pollution Liability Annual Cost: $ 3,415.26 $ 5,128.05 50.15% Total Account Rate ($/100): 0.1977523 0.2554176 29.16% **Total Annual Cost: $ 641,686.51 $ 935,458.33 45.78%
*Property Annual Cost includes: all premiums, underwriting fees, commissions, loss control expenses, program administration charges, and applicable taxes
** Total Annual Cost is inclusive of all listed coverage premiums and applicable taxes and fees
Thank you for your continued partnership and trust in our team. As reflected in the annual premium summary above, our objective remains to provide a stable, competitive insurance program that balances cost and long -term risk solutions.
6 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 1 of 14 City of Torrance 06/11/2026 10:47:00 AM
ALLIANT INSURANCE SERVICES, INC.
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
PROPERTY PROPOSAL
TYPE OF INSURANCE: Insurance Reinsurance
NAMED INSURED: City of Torrance
DECLARATION: 2-Cities 2
POLICY PERIOD: July 1, 2026 to July 1, 2027
COMPANIES: See Attached List of Companies
TOTAL INSURED
VALUES:
$ 487,283,196 as of June 11, 2026
ALL RISK
COVERAGES &
SUB-LIMITS:
$ 500,000,000 Per Occurrence: all Perils, Coverages (subject to policy exclusions) and Subject to $1,250,000,000 all Named Insureds (as defined in the policy) combined, per Declaration,
regardless of the number of Named Insureds, c overages, extensions of coverage, or perils insured, subject to the following per occurrence and/or aggregate sub -limits as noted below.
Not Covered Flood Limit - Per Occurrence and in the Annual Aggregate (for those Named Insured(s) that purchase this optional dedicated coverage).
Not Covered Per Occurrence and in the Annual Aggregate for scheduled locations in Flood Zones A & V (inclusive of all 100 year exposures). This Sub -limit does not increase the specific flood limit of liability for those Named Insured(s) that p urchase this optional dedicated coverage.
Not Applicable Per Occurrence for losses to locations in T ier 1 and/or Tier 2 Counties and resulting from a Named Windstorm.
Not Covered Earthquake Shock - Per Occurrence and in the Annual Aggregate (for those Named Insured(s) that purchase this optional dedicated coverage).
$ 200,000,000 Combined Business Interruption, Rental Income and Tuition Income (and related fees). However, if specific values for such coverage have not been reported as part of the Named
Insured's schedule of values held on file with Alliant Insurance Services, Inc., this sub -limit amount is limited to $500,000 per Named Insured subject to maximum of $2,500,000 P er
Occurrence, Per Declaration for Business Interruption, Rental Income and Tuition Income combined. Coverage for power generating plants is excluded, unless otherwise specified.
$ 100,000,000 Extra Expense.
7 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 2 of 14 City of Torrance 06/11/2026 10:47:00 AM
ALL RISK
COVERAGES &
SUB-LIMITS:
(continued)
$ 25,000,000 Miscellaneous Unnamed Locations for Named Insureds excluding Earthquake Shock coverage for Alaska and
California locations. If Flood coverage is purchased for scheduled locations, this extension will extend to include Flood coverage for any location not situated in Flood Zones A or V.
180 Days Extended Period of Indemnity
See Policy Provisions $50,000,000, or a Named Insured's Policy Limit of Liability if less than $50,000,000, Automatic Acquisition for 120 da ys except:
- $25,000,000 Automatic Acquisition for 90 days for new sub - member and/or entity of an existing Pools, JPA or Group; - $25,000,000 Automatic Acquisition for 90 days for Vacant properties;
- $10,000,000 Automatic Acquisition for 120 days for Licensed Vehicles;
- $2,500,000 Automatic Acquisition for 60 days for additional property and/or interests in Tier 1 Wind Counties, Parishes and Independent Cities for the states of Virginia, North Carolina, South Carolina, Georgia, Ala bama, Mississippi, Louisiana, Texas and/or situated anywhere within the states of Florida and Hawaii;
- The peril of Earthquake Shock is excluded for the states of Alaska and California;
- If Flood coverage is purchased for all scheduled locatio ns, this extension will extend to include Flood coverage for any location not situated in Flood Zones A or V.
$ 1,000,000 Unscheduled Landscaping, tees, sand traps, greens, athletic fields and artificial turf; however, replacement of trees, plants and shrubs will be limited to the actual size of the destroyed plant, tree or shrub at the time of the loss up to a maxim um size of 25 gallons per item but not to exceed $25,000 per item for existing Named Insureds excluding Earthquake Shock
coverage for Alaska and California locations. If Flood coverage is purchased for scheduled locations, this extension includes Flood coverage for any location not situated in Flood Zones A or V.
$ 5,000,000 or 110% of the scheduled values, whi chever is greater, for Scheduled Landscaping, tees, sand traps, greens, athletic fields and artificial turf; however, replacement of trees, plants and shrubs will be limited to the actual size of the destroyed plant, tree or shrub at the time of the loss u p to a maximum size of 25 gallons per item but not to exceed $25,000 per item.
$ 5,000,000 or 120% of the scheduled values, whichever is less, for Scheduled Landfills (as more fully defined in the policy).
$ 50,000,000 Errors & Omissions - This extension does not increase any more specific limit stated elsewhere in this policy or
Declarations.
$ 25,000,000 Course of Construction and Additions (including new) for projects with completed values not exceeding the sub -limit shown. Projects valued greater than $15,000,000 req uire underwriting approval and a premium charge.
8 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 3 of 14 City of Torrance 06/11/2026 10:47:00 AM
ALL RISK
COVERAGES &
SUB-LIMITS:
(continued)
$ 500,000 Money & Securities for named perils only as referenced within the policy, however fraudulent imper sonation, fraudulent instruction or similar events are excluded.
$ 2,500,000 Unscheduled Fine Arts.
$ 250,000 Accidental Contamination per occurrence and annual aggregate per Named Insured with $500,000 annual aggregate for all Named Insureds per Declaration. Coverage shall not attach or become insurance upon any pr operty which at the time of loss is more specifically described and covered under any other policy form until the liability of such other insurance has first been exhausted and shall then cover only the excess of value of such property over and above the a mount payable under such other insurance, whether collectible or not.
$ 1,000,000 Unscheduled infrastructure including but not limited to tunnels, bridges, dams, catwalks (except those not for public use), roadways, highways, streets, sidewalks, culverts, channels, levees, dikes, berms, embankments, landfills (as more fully defined in the policy), docks, piers, wharves, street lights, traffic signals, meters, roadway or highway fencing (including
guardrails), and all similar property unless a specific value has been declared. Unscheduled infrastructure coverage is
excluded for the peril o f Earthquake Shock and excluded for Federal Emergency Management Agency (FEMA) and/or
Office of Emergency Services (OES) declared disasters, providing said declaration provides funding for repairs.
$ 100,000,000 Increased Cost of Construction due to building codes/ ordinance or law (includes All Risk and Boiler & Machinery) except $2,500,000 for vacant properties.
$ 25,000,000 Transit - Physical Damage only.
$ 2,500,000 Unscheduled Animals; not to exceed $50,000 per Anima l, per Occurrence.
$ 2,500,000 Unscheduled Watercraft up to 27 feet.
Included Per Occurrence for Off Premises Vehicle Physical Damage.
$ 25,000,000 Off Premises Services Interruption including Extra Expense resulting from a covered peril at non-owned/operated locations.
$ 5,000,000 Per Occurrence Per Named Insured subject to an Annual Aggregate of $10,000,000 for Earthquake Shock on Licensed Vehicles, Unlicensed Vehicles, Contractor's Equipment and Fine Arts combined for all Named Insured(s) in this Declaration combined that do not purchase optional dedicated Earthquake Shock coverage, and/or whe re specific values for such items are not covered for optional dedicated Earthquake Shock coverage as part of the Named Insured's schedule of values held on file with Alliant Insurance Services, Inc..
9 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 4 of 14 City of Torrance 06/11/2026 10:47:00 AM
ALL RISK
COVERAGES &
SUB-LIMITS:
(continued)
$ 5,000,000 Per Occurrence Per Named Insured subject to an Annual Aggregate of $10,000,000 for Flood on Licensed Vehicles, Unlicensed Vehicles, Contractor's Equipment and Fine Arts combined for all Named Insured(s) in this Declaration combined that do not purchase optional dedicated Flood coverage, and/or where specific values for such items are not covered for optional dedicated Flood coverage as part of the Named
Insured's schedule of values held on file with Alliant Insurance Services, Inc..
$ 3,000,000 Contingent Time Element, Contingent Business Interruption, Contingent Extra Expense, Contingent Rental Values and
Contingent Tuition Income separately.
$ 3,000,000 Tax Revenue Interruption – Per Policy Provisions. However, if specific values for such coverage have not been reported as part of the Named Insured’s schedule of values held on file with Alliant Insurance Services, Inc., this sub -limit amount is limited to $1,000,000 Per Occurrence – Per Policy Provisions.
$ 500,000 Jewelry, Furs, Precious Metals and Precio us Stones Separately.
$ 1,500,000 Claim Preparation Expenses.
$ 50,000,000 Expediting Expenses.
$ 100,000 Per Occurrence with a $1,000,000 Annual Aggregate per Declaration for Mold/Fungus Resultant Damage as more fully defined in the policy.
$ 100,000,000 Ingress/Egress Per Occurrence, Per Named Insured for the actual loss sustained during the period of time not exceeding 30 days when, as a direct result of physical loss or damage caused by a covered peril(s) specified by this Policy and occurring at property located within a 10 mile radius of covered property, ingress to or egress from the c overed property by this Policy is prevented.
$ 100,000,000 Interruption By Civil Authority Per Occurrence, Per Named Insured for the actual loss sustained d uring the period of time not exceeding 30 days when, as a direct result of physical loss or damage caused by a covered peril(s) specified by this Policy and occurring at property located within a 10 mile radius of covered property, access to the covered pr operty is specifically prohibited by order of a civil authority.
$ 10,000,000 Electronic Data Processing Media.
$ 1,000,000 Personal Property Outside of the USA (including associated Business Interruption).
10 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 5 of 14 City of Torrance 06/11/2026 10:47:00 AM
ALL RISK
COVERAGES &
SUB-LIMITS:
(continued)
Not Covered Per Occurrence Per Declaration Upgr ade to Green Coverage subject to the lesser of, the cost of upgrade, an additional 25% of the applicable limit of liability shown in the schedule of values or this sub limit.
Not Covered for Communicable Disease.
$ 100,000 Per Occurrence while in Storage and In Transit coverage subject to $10,000 Deductible for Unmanned Aircraft as more fully defined in the Policy. Not Covered while in Flight.
See Policy Provisions Scheduled Vacant Building per Conditions in Section IV., Item I
$ 2,500,000 Unscheduled Vacant Building per Policy Provisions Section IV., Item I
VALUATION: • Repair or Replacement Cost (RCV)
• Actual Loss Sustained for Time Element Coverages
• Contractor’s Equipment /Vehicles either Replacement Cost (RCV) or Actual Cash Value (ACV) as declared by each insured. If not declared, valuation will default to Actual Cash Value (ACV)
EXCLUSIONS
(Including but not
limited to):
• Seepage & Contamination
• Cost of Clean-up for Pollution
• Mold
Deductibles: If two or more deductible amounts provided in the Declaration Page apply for a single occurrence the total to be deducted shall not exceed the largest per occurrence deductible amount applicable. (The Deductible amounts set forth below apply Per Occurrence unless indicated otherwise).
“ALL RISK”
DEDUCTIBLE:
$ 150,000 Except $1,000 for Traffic Signals, and $10,000 for Fine Arts Per Occurrence, which will apply in the event a more specif ic deductible is not applicable to a loss.
DEDUCTIBLES FOR
SPECIFIC PERILS
AND COVERAGES:
Not Covered All Flood Zones Per Occurrence excluding Flood Zones A & V.
Not Covered Per Occurrence for Flood Zones A & V (inclusive of all 100 year exposures).
Not Applicable for losses to locations in Tier 1 and/or 2 Counties and resulting from a Named Windstorm.
DEDUCTIBLES FOR
SPECIFIC PERILS
AND COVERAGES:
(continued)
Not Covered Earthquake Shock: If th e stated deductible is a flat dollar amount, the deductible will apply on a Per Occurrence basis, unless otherwise stated. If the stated deductible is on a percentage basis, the deductible will apply Per Occurrence on a Per Unit basis, as defined in the p olicy form, subject to the minimum deductible per occurrence.
$ 1,000 Per Occurrence for Specially Trained Animals.
11 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 6 of 14 City of Torrance 06/11/2026 10:47:00 AM
DEDUCTIBLES FOR
SPECIFIC PERILS
AND COVERAGES:
(continued)
$ 500,000 or the All Risk Basic Deductible, whichever is greater, for Unscheduled infrastructure including but not limited to tunnels, bridges, dams, catwalks (except those not for public use), roadways, highways, streets, sidewalks, culverts, channels, levees, dikes, berms, embankments, landfills (as more fully defined in the policy), docks, piers, wharves, street lights, traffic signals, meters, roadway or highway fencing (including
guardrails), and all similar pr operty unless a specific value has been declared. Unscheduled infrastructure coverage is
excluded for the peril of Earthquake Shock and excluded for Federal Emergency Management Agency (FEMA) and/or
Office of Emergency Services (OES) declared disasters , providing said declaration provides funding for repairs.
$ 10,000 Per Vehicle or Item for Licensed Vehicles, Unlicensed Vehicles and Contractor's Equipment subject to $100,000 Maximum Per Occurrence, Per Named Insured for the peril of Earthquake Shock for Named Insured(s) who do not purchase dedicated Earthquake Shock limits.
$ 50,000 Per Occurrence Per Named Insured for this Declaration for Fine Arts for the peril of Earthquake Shock for Named Insured(s) who do not purchase dedicated Earthquake Shock limits.
$ 10,000 Per Vehicle or Item for Licensed Vehicles, Unlicensed Vehicles and Contractor's Equipment subject to $100,000 Maximum Per Occurrence, Per Named Insured for the peril of Flood for Named Insured(s) who do not purchase dedicated Flood limits.
$ 50,000 Per Occurrence Per Named Insured for this Declaration for Fine Arts for the peril of Flood for Named Insured(s) who do not purchase dedicated Flood limits.
2.5% of Annual Tax Revenue Value per l ocation for Tax Revenue Interruption.
$ 50,000; except 100,000 for All Vehicles with RCV of $250,000 to $750,000 and 250,000 for All Vehicles with RCV in Excess of $750,000 Per Occurrence for Off Premises Vehicle Physica l Damage. If Off -Premises coverage is included/purchased, the stated deductible will apply to vehicle physical damage both on and off-premises on a Per Occurrence basis, unless otherwise stated. If Off -Premises coverage is not included, On - Premises/In-Yard coverage is subject to the All Risk (Basic) deductible.
Replacement Cost Vehicle Valuation Basis
$ 100,000 Per Occurrence for Contractor's Equipment.
Contractor's Equipment Valuation Basis
Time Qualifiers
24 Hour Waiting Period for Ingress/Egress, per Occurrence, as further defined in the Policy Form.
24 Hour Waiting Period for interruption by Civil Authority, per Occurrence, as further defined in the Policy Form.
24 Hour Waiting Period for Off Premises Service Interruption per 12 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 7 of 14 City of Torrance 06/11/2026 10:47:00 AM
Occurrence, as further defined in the Policy Form.
SPECIAL TERMS AND
CONDITIONS:
It is understood and agreed that notwithstanding anything contained herein to the contrary the following shall apply to this Policy:
SPECIAL TERMS 1: Vehicle coverage will be excluded for On & Off Premises including Automatic Acquisition, MUL and any other ancillary coverage that may be provided for vehicles by the PEPIP Form.
Not Covered Special Terms Limit
Not Covered Special Terms Deductible
OPTIONAL STAND-ALONE COVERAGES NOT PROVIDED IN THE “PEPIP U.S.A. FORM NO. 22 MASTER POLICY” ARE SPECIFIED BELOW.
The following optional stand-alone coverages are available for purchase in addition to and separate from the “PEPIP U.S.A. Form No. 22 Master Policy”. If purchased, coverages are confirmed below. Carriers providing these coverages are included in the Schedule of Carriers for Terrorism, Cyber Liability and Pollution Liability.
$ 100,000,000 Per Named Insured Per Occurrence subject to $200,000,000 Annual Aggregate of Declarations 1 -14, 18 -30, 32 -35, 39 -40, and 45 -46 combined as respects Property Damage, Business Interruption, Rental Income and Extra Expense Combined for Terrorism (Primary Layer).
$ 150,000 Except $1,000 for Traffic Signals, and $10,000 for Fine Arts Per Occurrence Deductible for Primary Terrorism.
$ 1,000,000,000 Per Named Insured for Terrorism (Excess Layer) subject to;
$ 1,500,000,000 Per Named Insured Per Occurrence subject to $200,000,000 Annual Aggregate of Declarations 1 -14, 18 -30, 32 -35, 39 -40, and 45 -46 combined as respects Property Damage, Business Interruption, Rental Income and Extra Expense Combined for Terrorism (Primary Layer).
$ 2,000,000,000 Annual Aggregate shared by all Named Insureds combine d in Declarations 1 -14, 18 -21, 23 -30, 32 -35, 39 -40, and 45 -46 as respects Property Damage, Business Interruption, Rental Income and Extra Expense combined for Terrorism (Excess Layer).
$ 500,000 Per Occurrence Deductible for Excess Terror ism (Applies only if the Primary Terrorism Limit is exhausted).
13 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 8 of 14 City of Torrance 06/11/2026 10:47:00 AM
Included Information Security & Privacy Insurance with Electronic Media Liability Coverage. See attached Cyber Coverage Summary for applicable Limits. (Cyber Liability) If, insured purchases such coverage.
$ 25,000,000 Per Named Insured, Per occurrence subject to an Annual Aggregate of $50,000,000 combined for Declarations 1 -14, 18- 30 and 32-35 as respects Personal and Real property for Cyber Attack Resultant Damage.
Included Pollution Liability Insurance Coverage. Se e attached Pollution Liability Insurance Coverage Document for applicable limits and deductibles. If, insured purchases such coverage. If, insured purchases such coverage.
TERMS &
CONDITIONS:
Sub-limits, terms and conditions are subject to change.
25% Minimum Earned Premium and cancellations subject to 10% penalty
Except Cyber Liability Premium is calculated on a pro-rata basis, unless there is a claim in which case the premium is deemed fully earned. If, insured purchases such coverage.
Except Pollution Liability Premium is 100% Earned at Inception. If, insured purchases such coverage.
NOTICE OF
CANCELLATION:
90 Days except 10 Days for non-payment of premium
Annual Cost*
Total Property
Premium:
$ 874,344.00
Excess Boiler: $ 4,851.00
Cyber Liability
Premium:
$ 15,751.00
Pollution Liability
Premium:
$ 4,970.00
ABS Fee: $ 6,925.00
SLT&F’s (Estimate) $ 28,617.33
Broker Fee: $ 0.00
TOTAL COST †:
(Including Taxes and
Fees)
$ 935,458.33
*Premiums are based on valid selectable options and the TIV’s above. Changes in TIV’s will require a premium adjustment. Please refer to invoice for new lock box remittance for address and account information.
† TOTAL COST includes: premiums, underwriting fees, commissions, loss control expenses, program administration charges, and applicable taxes (excluding the Cyber Enhancement premium - should you have elected to purchase this coverage)
PRINT DATE: June 11, 2026
PROPOSAL VALID UNTIL: July 1, 2026
14 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 9 of 14 City of Torrance 06/11/2026 10:47:00 AM
BROKER: ALLIANT INSURANCE SERVICES, INC.
License No. 0C36861
Rennetta M. Poncy
Senior Vice President
Banesa Laird
First Vice President
Carol B Hill
Account Manager
NOTES:
• Some coverage, limits, sub-limits, terms and conditions will change, as negotiations are ongoing. Changes will be documented and accompany the Binder Confirmation for July 1, 2026 bound terms. Coverage outlined in this Proposal is subject to the terms and conditions being negotiated with the policy. To be finalized and presented at Program Inception. • The program expects to continue purchasing Cyber Resultant Physical Damage cover which is provided to insureds purchasing Terrorism within the program – limits to be determined. • This proposal is based on the current loss experience and is subject to change if this ins ured’s loss ratio deteriorates further and/or if the markets suffer a catastrophic event • Change in Total Insurable Values will result in adjustment in premium • Each line of coverage is rated separately. Increases in TIV’s on highly rated coverages such as Vehicles, CE, EQ or 100 year Flood Zones, etc. may increase the insured’s average account rate. • The flood zones provided on the Schedule of Values (SOVs) are for rating purposes only. The actual flood zone will be determined at the time of loss.
• Please refer to invoice for new lock box remittance for address and account information.
15 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 10 of 14 City of Torrance 06/11/2026 10:47:00 AM
APIP SUMMARY OF PROPOSED PROPERTY CHANGES
BELOW IS A SUMMARY OF PROPOSED CHANGES FOR THE 2026-2027 POLICY PERIOD
Coverage 2025-2026 2026-2027 Status
Available Program
Boiler & Machinery
Limits up to:
$200,000,000 $250,000,000 Approved
Extra Expense Sub-
limit $75,000,000 $100,000,000
Approved
Miscellaneous
Unnamed Locations
Sub-limit
$10,000,000 $25,000,000
Approved
Combined Business
Interruption, Rental
Income and Tuition
Income (and related
fees) Sub-limit
$100,000,000 $200,000,000 Approved
Increased Cost of
Construction Sub-
limit
$50,000,000 $100,000,000
Approved
Claims Preparation
Sub-limit $1,500,000 $2,500,000
Pending
Address c/o Alliant Insurance Services, Inc., 325 E.
Hillcrest Dr., Suite 250, Thousand Oaks, CA
c/o Alliant Insurance Services, Inc., 18100
Von Karman Ave., 10th Floor, Irvine, CA
92612
Update
Upgrade to Green
limit $5,000,000 $10,000,000 Pending
16 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 11 of 14 City of Torrance 06/11/2026 10:47:00 AM
MASTER POLICY FORM PROPOSED CHANGES
Coverage 2025-2026 2026-2027 Status
Policy Period July 1, 2025 to July 1,2026 July 1, 2026 to July 1,2027 Update USA Form No. 21 22 Update
Section I, B. Named
Insured
As shown on the Declaration page, or as listed in
the Declaration Schedule Addendum attached to
this Policy.
All Named Insureds of the ALLIANT
PROPERTY INSURANCE PROGRAM
(APIP) (for their respective rights and
interests) as more fully defined in the
Schedule of Named Insured’s (including
Named Insureds added to the program
during the term of this policy), and the Broker
(Alliant) issued Evidence of Coverage
documents held on file in the office of Alliant
Insurance Services, Inc., 18100 Von Karman
Avenue, 10th Floor, Irvine, CA 92612 and the
Company.
Pending
Section I C. Mailing
Address of Named
Insured
AS PER DECLARATION PAGE
c/o Alliant Insurance Services, Inc.
18100 Von Karman Ave., 10 th Floor, Irvine,
CA 92612
Update
17 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 12 of 14 City of Torrance 06/11/2026 10:47:00 AM
MASTER POLICY FORM PROPOSED CHANGES CONTINUED
Coverage 2025-2026 2026-2027 Status
Section I, D. Policy
Period
AS PER DECLARATION PAGE July 1, 2026 to July 1, 2027 at 12:01 AM at the location of the insured property.
Pending
To include Section I,
E. Limits of Liability
and all subsequent
sections
Reference to: Declaration Page Revised to read: Named Insured’s Evidence of Coverage
Pending
Section I, E. 2. Sub-
Limits of Liability
3rd sentence: The absence of a sub-limit of
liability amount in the Declaration Page means that
no coverage is provided for that item.
The absence of a sub-limit amount or where
“Not Covered” is indicated for a sub-limit of
liability in the Named Insured’s Evidence of
Coverage, no coverage is provided for that
item.
Pending
Section I, E. 2. p.
Increased Cost of Construction due to the
enforcement of building codes / ordinance or law.
Increased Cost of Construction due to
building codes / ordinance or law.
Pending
Section I, E. 2. u.
Separately as respects Contingent Business
Interruption, Contingent Extra Expense, Contingent
Rental Value, and Contingent Tuition Income;
Contingent Time Element: Separately as
respects Contingent Business Interruption,
Contingent Extra Expense, Contingent Rental
Value, and Contingent Tuition Income;
Pending
Section II, B. 2.
PROPERTY IN COURSE OF CONSTRUCTION
AND ADDITIONS
COURSE OF CONSTRUCTION AND
ADDITIONS
Pending
Section II. B. 6.
Claim Preparation
Expenses
Not Present
Added as last sentence: This coverage
provided by this clause is sub-limited to USD
as per the Named Insured’s Evidence of
Coverage.
Pending
Section II. B. 9.
Building Laws
Reference to: enforcement of Deleted within this coverage description Pending Section II. B. 10.
Demolition Cost
Reference to: enforcement of Deleted within this coverage description Pending Section II, D. 6.
Library Contents
Expiring values Values inflated by 2025; 4th quarter rate of
3.5%
Update
Section II, D. 6.
Library Contents
The above valuation is predicated on the values
provided by the Library of Congress Dewey
Decimal system and adjusted for inflation.
The above valuation is an estimated amount
and adjusted for inflation.
Pending
Section II. D. 7.
Actual Cash Value will be applied for vehicles ten
years or older. Deleted in its entirety Pending
Section III. B. 1.
Ingress / Egress
Not Present
Added as last sentence: The coverage
provided by this clause is sub-limited to USD
as per Named Insured’s Evidence of
Coverage.
Pending
Section III. B. 2.
Interruption by Civil
Authority
Not Present
Added as last sentence: The coverage
provided by this clause is sub-limited to USD
as per Named Insured’s Evidence of
Coverage.
Pending
18 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 13 of 14 City of Torrance 06/11/2026 10:47:00 AM
MASTER POLICY FORM PROPOSED CHANGES CONTINUED
Coverage 2025-2026 2026-2027 Status
Section IV, B.
Exclusions Not Present
New 23. Money and Securities except for
physical loss as a result of Fire, Wind, Hail,
Explosion, Smoke, Lightning, Riot, Civil
Commotion, Impact by Aircraft or Objects
falling there from, Impact by Vehicles, Water
Damage and Theft (other than by an
employee of the Named Insured(s)).
Pending
Section IV, D.
Territorial Limits
This Policy insures Real and Personal Property
within the United States of America. Personal
Property is extended to Worldwide coverage. The
coverage provided by this clause for Personal
Property is sub-limited to USD as per Declaration
Page.
This Policy insures Real and Personal
Property within the United States of America.
Personal Property Outside of the USA
(including associated Business Interruption)
is extended to Worldwide coverage. The
coverage provided by this clause for
Personal Property is sub-limited to USD as
per Named Insured’s Evidence of Coverage.
Pending
Section IV, I. Vacant
Buildings 4.b.
Paragraph reference to:
Declaration Page, and;
the enforcement of
Revised to: Named Insured’s Evidence of
Coverage
Deleted: the enforcement of
Pending
Section IX, 2. d.
header Media Coverage Electronic Data Processing Media and Data Restoration
Clarification
Section IX, 2. f.
header Utility Interruption Service/Utility/Off Premises Power Interruption Clarification
Section IX, 2. h.
Ordinance or Law
i. Loss to the Undamaged Portion of the Building,
meaning loss to the undamaged portion of the
building caused by enforcement of any ordinance
or law that:
Loss to the Undamaged Portion of the
Building, meaning loss to the undamaged
portion of the building caused by any
ordinance or law that:
Pending
Section IX, 2. h.
Ordinance or Law
ii. Demolition Cost meaning the cost to demolish
and clear the site of undamaged parts of the
building, caused by the enforcement of building,
zoning, or land ordinance or use.
Demolition Cost meaning the cost to
demolish and clear the site of undamaged
parts of the building, caused by building,
zoning, or land ordinance or use.
Pending
Section IX, 2. h.
Ordinance or Law
iii. … when the increased cost is a consequence of
enforcement of building, zoning or land use
ordinance or law.
iii. …when the increased cost is a
consequence of building, zoning or land use
ordinance or law.
Pending
Section IX, 2. h.
Ordinance or Law
iii. second set of alpha numeric identifiers
a. and b.
iii. second set of alpha numeric identifiers
revised to: c. and d. Pending
Section IX, 2. h.
Ordinance or Law
iii. second set of alpha numeric identifier
a. Costs associated with the enforcement of any
ordinance or law which requires any Named
Insured or others to test for, monitor, clean up,
remove, contain, treat, detoxify, or neutralize, or in
any way respond to, or assess the effects of
substances declared to be hazardous to health by
a governmental agency; or
iii. second set of alpha numeric identifier
c. Costs associated with any ordinance or
law which requires any Named Insured or
others to test for, monitor, clean up, remove,
contain, treat, detoxify, or neutralize, or in
any way respond to, or assess the effects of
substances declared to be hazardous to
health by a governmental agency; or
Pending
19 2026-2027 Alliant Property Insurance Program (APIP) Property Proposal Page 14 of 14 City of Torrance 06/11/2026 10:47:00 AM
Endorsement 7 Pollution, Contamination, Debris Removal
Exclusion
Deleted in its entirety
Pending
20 2026-2027 Alliant Property Insurance Program (APIP) Boiler and Machinery Proposal Page 1 of 3 City of Torrance 06/11/2026 10:47:00 AM
ALLIANT INSURANCE SERVICES, INC.
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
BOILER AND MACHINERY PROPOSAL
NAMED INSURED: City of Torrance
POLICY PERIOD: July 1, 2026 to July 1, 2027
COMPANIES: See Attached List of Companies
TOTAL INSURED VALUES: $ 366,246,586 as of June 11, 2026
STATUS/RATING: See Attached List of Companies
COVERAGES & LIMITS: $ 250,000,000 Boiler Explosion and Machinery Breakdown, (for those Named Insureds that purchase this optional dedicated
coverage) as respects Combined Property Damage and
Business Interruption/Extra Expense (Including Bond
Revenue Interest Paym ents where Values Reported and
excluding Business Interruption for power generating
facilities unless otherwise specified). Limit includes loss adjustment agreement and electronic computer or
electronic data processing equipment with the following sub-limits:
Included Jurisdictional and Inspections.
$ 10,000,000 Per Occurrence for Service/Utility/Off Premis es Power Interruption.
Included Per Occurrence for Consequential Damage.
$ 10,000,000 Per Occurrence for Electronic Data Processing Media and Data Restoration.
$ 2,000,000 Per Occurrence, Per Named Insured and in the Annual Aggregate per Declaration for Earthquake Resultant
Damage for Named Insureds who purchase Dedicated
Earthquake Shock Coverage.
$ 10,000,000 Per Occurrence for Hazardous Substances.
Included Per Occurrence for Machine or Apparatus used for Research, Diagnosis, Medication, Surgical, Therapeutic, Dental or Pathological Purposes.
NEWLY ACQUIRED
LOCATIONS:
$ 25,000,000 Automatic Acquisition for Boiler & Machinery values at newly acquired locations. Values greater than
$25,000,000 or Power Generating Facilities must be
reported within 120 days and must have prior underwriting approval prior to binding
21 2026-2027 Alliant Property Insurance Program (APIP) Boiler and Machinery Proposal Page 2 of 3 City of Torrance 06/11/2026 10:47:00 AM
VALUATION: Repair or Replacement except Actual Loss sustained for all Time Element coverages
EXCLUSIONS
(Including but not limited
to):
• Testing
• Explosion, except for steam or centrifugal explosion
• Explosion of gas or unconsumed fuel from furnace of the boiler
OBJECTS EXCLUDED:
(Including but not limited
to):
• Insulating or refractory material
• Buried Vessels or Piping
NOTICE OF
CANCELLATION:
90 days except 10 days for non-payment of premium
DEDUCTIBLES: $ 25,000 Except as shown for Specific Objects or Perils.
$ 25,000 Electronic Data Processing Media.
$ 25,000 Consequential Damage.
$ 25,000 Objects over 200 hp, 1,000 KW/KVA/Amps or
Boilers over 5,000 square feet of heating surface.
$ 50,000 Objects over 350 hp, 2,500 KW/KVA/Amps or
Boilers over 10,000 square feet of heating surface.
$ 100,000 Objects over 500 hp , 5,000 KW/KVA/Amps or
Boilers over 25,000 square feet of heating surface.
$ 250,000 Objects over 750 hp, 10,000 KW/KVA/Amps or
Boilers over 75,000 square feet of heating surface.
$ 350,000 Objects over 25,000 hp, 25,000 KW/KVA/Amps or Boilers over 250,000 square feet of heating
surface.
$ 10 per foot / $2,500
Minimum
Deep Water Wells.
24 Hour Waiting Period Utility Interruption.
24 Hours Business Interruption/Extra Expense Except as
noted below.
30 Days Business Interruption - Revenue Bond.
5 x 100% of Daily Value Business Interruption - All objects over 750 hp or 10,000 KW/KVA/Amps or 10,000 square feet
heating surface.
5 x 100% of Daily Value Business interruption - All Objects at Waste Water Treatment Facilities and All Utilities.
Annual Cost
COST: Cost is included on Property Proposal
PRINT DATE: June 11, 2026
PROPOSAL VALID UNTIL: July 1, 2026
22 2026-2027 Alliant Property Insurance Program (APIP) Boiler and Machinery Proposal Page 3 of 3 City of Torrance 06/11/2026 10:47:00 AM
BROKER: ALLIANT INSURANCE SERVICES, INC.
License No. 0C36861
Rennetta M. Poncy
Senior Vice President
Banesa Laird
First Vice President
Carol B Hill
Account Manager
NOTES:
• Some coverage, limits, sub-limits, terms and conditions will change, as negotiations are ongoing. Changes will be documented and accompany the Binder Confirmation for July 1, 2026 bound terms. Coverage outlined in this Proposal is subject to the terms and conditions set forth in the policy.
• Please refer to the Policy for specific terms, conditions, and exclusions. • This proposal is based on the current loss experience and is subject to change if this insured’s loss ratio deteriorates further and/or if the markets suffer a catastrophic event. • Change in Total Insurable Values will result in adjustment in premium.
23 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 1 of 9 City of Torrance
ALLIANT INSURANCE SERVICES, INC.
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
CYBER INSURANCE PROPOSAL
CORE COVERAGE
TYPE OF COVERAGE:
PROGRAM:
NAMED INSURED:
Information Security & Privacy Insurance with Electronic Media Liability Coverage
Alliant Property Insurance Program (APIP) inclusive of
Public Entity Property Insurance Program (PEPIP), and
Hospital All Risk Property Program (HARPP), and
Special Property Insurance Program (SPIP)
APIP Cyber and Pollution Programs, Inc. which may include any member(s), entity(ies), agency(ies), organization(s), enterprise(s) and/or individual(s), attaching to each Declaration insured under the ALLIANT PROPERTY INSURANCE PROGRAM (APIP), inclusive of PUBLIC ENTITY PROPERTY INSURANCE PROGRAM (PEPIP) and HOSPITAL ALL RISK PROPERTY PROGRAM (HARPP) and SPECIAL PROPERTY INSURANCE PROGRAM (SPIP) as their respective rights and interests may appear which now exist or which hereafter may be cre ated or acquired and which are owned, financially controlled or actively managed by the herein named interest, all jointly, severally or in any combination of their interests, for account of whom it may concern (all hereinafter referred to as Member(s) / Entity(ies)).
DECLARATION: Various Declarations as on file with Insurer
POLICY PERIOD: July 1, 2026 to July 1, 2027
TERRITORY: WORLD-WIDE
RETROACTIVE DATE: APIP/PEPIP
For new members – the retro active date will be the date of addition July 1, 2026 For new members included on the July 1, 2026/27 policy July 1, 2025 For new members included on the July 1, 2025/26 policy July 1, 2024 For existing members included on the July 1, 2024/25 policy July 1, 2023 For existing members included on the July 1, 2023/24 policy July 1, 2022 For existing members included on the July 1, 2022/23 policy July 1, 2021 For existing members included on the July 1, 2021/22 policy July 1, 2020 For existing members included on the July 1, 2020/21 policy July 1, 2019 For existing members included on the July 1, 2019/20 policy July 1, 2018 For existing members included on the July 1, 2018/19 policy July 1, 2017 For existing members included on the July 1, 2017/18 policy July 1, 2016 For existing members included on the July 1, 2016/17 policy July 1, 2015 For existing members included on the July 1, 2015/16 policy July 1, 2014 For existing members included on the July 1, 2014/15 policy July 1, 2013 For existing members included on the July 1, 2013/14 policy July 1, 2012 For existing members included on the July 1, 2012/13 policy
INSURER: Lloyd’s of London - Beazley Syndicate: Syndicates 2623 - 623 - 100% 24 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 2 of 9 City of Torrance
COVERAGES &
LIMITS:
Ai. $ 75,000,000 Annual Policy and Program Aggregate Limit of Liability (subject to policy exclusions) for all Insureds/Members combined (Aggregate for all coverages combined,
including Claims Expenses), subject to the following limits and sub-limits as noted.
Aii. $ 2,000,000 Insured/Member Annual Aggregate Limit of Liability (subject to policy exclusions) for each Insured/Member, within the Annual Policy and Program Aggregate Limit of Liability (Aggregate for all coverages combined, including Claim Expenses) subject to the fol lowing limits and sub - limits as noted.
BREACH RESPONSE
Breach Response
Costs:
$ 500,000 Aggregate Limit of Liability for each Insured/Member (Limit is increased to $1,000,000 if Beazley Nominated
Services Providers are used)
FIRST PARTY LOSS
Business Interruption
and Dependent
Business Interruption
Aggregate Sublimit
Business Interruption
Loss Resulting from
Security Breach:
Business Interruption
Loss Resulting from
System Failure:
$ 750,000 Aggregate Limit of Liability for each Insured/Member
$ 750,000 *Aggregate Limit of Liability for each Insured/Member (Within the $750,000 Business Interruption and Dependent Business Interruption Aggregate Sublimit)
$ 500,000 *Aggregate Limit of Liability for each Insured/Member (Within the $750,000 Business Interruption and Dependent Business Interruption Aggregate Sublimit)
Dependent Business
Loss Resulting from
Security Breach:
Dependent Business
Loss Resulting from
System Failure:
Cyber Extortion Loss:
Data Recovery Costs:
$ 750,000 Aggregate Limit of Liability for each Insured/Member (Within the $750,000 Business Interruption and Dependent Business Interruption Aggregate Sublimit)
$ 100,000 Aggregate Limit of Liability for each Insured/Member (Within the $750,000 Business Interruption and Dependent Business Interruption Aggregate Sublimit)
$ 750,000 *Aggregate Limit of Liability for each Insured/Member
$ 750,000 *Aggregate Limit of Liability for each Insured/Member Liberty Surplus Insurance Corporation (Ironshore)
Associated Industries Insurance Company, Inc. (AmTrust Financial) Westchester Surplus Lines Insurance Company (Chubb)
100% MRS 457 at Lloyd’s (Munich RE)
25 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 3 of 9 City of Torrance
Data & Network
Liability:
Regulatory Defense &
Penalties:
$ 2,000,000 Aggregate Limit of Liability for each Insured/Member for all Damages and Claims Expenses
$ 2,000,000 Aggregate Limit of Liability for each Insured/Member for all Penalties and Claims Expenses
Payment Card
Liabilities & Costs:
Media Liability:
$ 2,000,000 Aggregate Limit of Liability for each Insured/Member for all PCI Fines, Expenses and Costs
$ 2,000,000 Aggregate Limit of Liability for each Insured/Member for all Damages and Claims Expenses
*Contingent Security Controls Endorsement:
If, at the time of loss, the insured implemented both an End Point Protection Platform and Multi Factor Authentication across the insured network, the following sublimits (as described above) are increased to $2,000,000:
• Business Interruption Loss from Security Breach
• Business Interruption Loss from System Failure
• Cyber Extortion Loss
• Data Recovery Loss
eCRIME
Fraudulent Instruction:
Funds Transfer Fraud:
Telephone Fraud:
$ 100,000 Aggregate Limit of Liability for each Insured/Member
$ 100,000 Aggregate Limit of Liability for each Insured/Member
$ 100,000 Aggregate Limit of Liability for each Insured/Member
CRIMINAL REWARD
Criminal Reward:
$ 25,000 Aggregate Limit of Liability for each Insured/Member
COVERAGE
ENDORSEMENT(S)
Reputation Loss:
Claims Preparation
Costs for Reputation
Loss Claims Only:
$ 200,000 Aggregate Limit of Liability for each Insured/Member
$ 50,000 Aggregate Limit of Liability for each Insured/Member 26 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 4 of 9 City of Torrance
Computer Hardware
Replacement Costs:
Invoice Manipulation:
Cryptojacking:
$ 200,0000 Aggregate Limit of Liability for each Insured/Member
$ 100,000 Aggregate Limit of Liability for each Insured/Member
$ 50,000 Aggregate Limit of Liability for each Insured/Member
RETENTION:
$ 50,000 Per Incident, Claim, or Loss for each Member/Insured with Total Insured Value (TIV) up to $250,000,000 at the time of policy inception
8 Hour waiting period for Dependent/Business Interruption Loss
$ 100,000 Per Incident, Claim, or Loss for each Member/Insured with Total Insured Val ue (TIV) greater than $250,000,000 and up to $750,000,000 at the time of policy inception
8 Hour waiting period for Dependent/Business Interruption Loss
$ 250,000 Per Incident, Claim, or Loss for each Member/Insured with Total Insured Value (TIV) greater than $750,000,000 at the time of policy inception
8 Hour waiting period for Dependent/Business Interruption Loss
NOTICES:
Policy coverage of this policy provide s coverage on a claims made and reported basis; except as otherwise provided, coverage under noted coverage applies only to claims first made against the Insured/Member and reported to underwriters during the policy period. Claims expenses shall reduce the applicable limit of liability and are subject to the applicable retention.
This is a shared limit policy among the Named I nsureds. The per Insured/Member policy limits are on a per Insured /Member basis. Sub-limits listed are aggregated per Insured/Member and are within the total Insured/Member aggregate limit. In the event of a claim/incident with multiple Insureds/Members exhausting the program aggregate limit provided by the Insurer to Insureds/Members, payment to all Insureds/Members for the claim/incident will be determined by the Insurer . Where coverages are aggregated, sub-limit and limits apply to all Insureds/Members for the entire Policy Period unless specifically stated otherwise. The policy aggregate limit is not per Insured/Member maximum limit.
EXTENDED
REPORTING PERIOD:
For Named Insured - To be determined at the time of election (additional premium will apply)
SPECIFIC COVERAGE
PROVISIONS:
A.
Breach Response indemnifies the Insured Organization for Breach Response Costs incurred by the Insured Organization because of an actual or reasonably suspected Data Breach or Security Breach that the Insured first discovers during the Policy Period.
27 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 5 of 9 City of Torrance
B.
First Party Loss
Business Interruption Loss indemnifies the Insured Organization for a Business Interruption Loss sustained as a result of a Security Breach or System Failure that the Insured first discovers during the Policy Period.
Dependent Business Interruption Loss indemnifies the Insured Organization for a Dependent Business Interruption Loss sustained as a result of a Dependent Security Breach or a Dependent System Failure that the Insured first discover s during the Policy Period.
Cyber Extortion Loss indemnifies the Insured Organization for a Cyber Extortion Loss incurred as a result of an Extortion Threat first made against the Insured Organization during the Policy Period.
Data Recovery Costs indemnifies the Insured Organization for Data Recovery Costs incurred as a direct result of a Security Breach that the Insured first discovers during the Policy Period.
C.
Liability
Data & Network Liability pays Damages and Claims Expenses, which the Insured is legally obligated to pay because of any Claim first made against any Insured during the Policy Period for a Data Breach, a Security Breach, the Insured’s failure to timely disclose a Data Breach or Security Breach, or failure of the Insured to comply with the part of a Privacy Policy that specifically:
(a) prohibits or restricts the Insured Organization’s disclosure, sharing or selling of Personally Identifiable Information; (b) requires the Insured Organization to provide individual access to Personally Identifiable Information or to correct incomplete or inaccurate Personally Identifiable Information after a request is made; or (c) mandates procedures and requirements to prevent the loss of Personally Identifiable Information.
Regulatory Defense & Penalties pays Penalties and Claims Expenses, which the Insured is legally obligated to pay because of a Regulatory Proceeding first made against any Insured during the Policy Period for a Data Breach or a Security Breach.
Payment Card Liabilities & Costs indemnifies the Insured Organization for PCI Fines, Expenses and Costs which it is legally obligated to pay because of a Claim first made against any Insured during the Policy Period.
Media Liability pays Damages and Claims Expenses, which the Insured is legally obligated to pay because of any Claim first made against any Insured during the Policy Period for electronic Media Liability.
D.
E.
eCrime indemnifies the Insured/Member for any direct financial loss sustained resulting from:
• Fraudulent Instruction
• Funds Transfer Fraud
• Telephone Fraud
That the Insured first discovers during the Policy Period.
Criminal Reward indemnifies the Insured/Member for Criminal Reward Funds.
28 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 6 of 9 City of Torrance
Coverage
Endorsement(s)
Reputational Loss indemnifies the Insured Organization for Reputation Loss that the Insured Organization sustains solely as a result of an Adverse Media Event that occurs during the Policy Period, concerning: a Data Breach, Security Breach, or Extortion Threat that the Insured first discovers during the Policy Period; or if this policy is a Renewal, a Data Breach, Security Breach, or Extortion Threat that the Insured first discovers during the last 90 days of the prior policy period.
Computer Hardware Replacement Costs are part of the Extra Expense coverage. Extra Expense means reasonable and necessary expenses incurred by the Insured Organization during the Period of Restoration to minimize, reduce or avoid Income Loss, over and above those expenses the Insured Organization would have incurred had no Security Breach, System Failure, Dependent Security Breach or Dependent System Failure occurred; and includes reasonable and necessary expenses incurred by the Insured Organization to replace computers or any associated devices or equipment operated by, and either owned by or leased to, the Insured Organization that are unable to function as intended due to corruption or destruction of software or firmware directly resulting from a Security Breach
Invoice Manipulation indemnifies the Insured Organization for Direct Net Loss resulting directly from the Insured Organization’s inability to collect Payment for any goods, products or services after such goods, products or services have been transferred to a third party, as a result of Invoice Manipulation that the Insured first discovers during the Policy Period. Invoice Manipulation means the release or distribution of any fraudulent invoice or fraud ulent payment instruction to a third party as a direct result of a Security Breach or a Data Breach.
Cryptojacking indemnifies the Insured Organization for any direct financial loss sustained resulting from Cryptojacking that the Insured first discovers d uring the Policy Period. Cryptojacking means the Unauthorized Access or Use of Computer Systems to mine for Digital Currency that directly results in additional costs incurred by the Insured Organization for electricity, natural gas, oil, or internet.
Other Insurance Amendment Endorsement the insurance under this policy will apply in excess of any other valid and collective insurance available to any insured unless such other insurance is written only as specific excess insurance over this policy.
Contingent Security Controls Endorsement if an insured/member has at the time of loss Multi -Factor Authentication for all Remote Access to the Insured’s network and an Endpoint Protection Platform implemented across the insured enterprise the following wi ll be increased to $2,000,000 per member aggregate:
Business Interruption from Security Breach and System Failure, Cyber Extortion, and Data Recovery.
29 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 7 of 9 City of Torrance
EXCLUSIONS:
(Including but not
limited to)
Coverage does not apply to any claim or loss from:
• Bodily Injury or Property Damage
• Trade Practices and Antitrust
• Gathering or Distribution of Information
• Prior Known Acts & Prior Noticed Claims
• Racketeering, Benefit Plans, Employment Liability & Discrimination • Sales or Ownership of Securities & Violation of Securities Laws • Criminal, Intentional of Fraudulent Acts
• Patent, Software Copyright, Misappropriation of Information • Governmental Actions
• Other Insureds & Related Enterprises
• Trading Losses, Loss of Money & Discounts
• Media-Related Exposures – Contractual liability or obligation • Nuclear Incident Exclusion Clause
• Radioactive Contamination Exclusion Clause
• Tribal Exclusion Endorsement
• Amend First Party Loss Exclusion
• Mergers and Acquisitions Clause Amendment Endorsement • Sanctions Limitation
• War and Cyber War Exclusion with Single Entity Carve Back • Asbestos, Pollution and Contamination Exclusion Endorsement • First Party Loss – with respects: 1. seizure, nationalization, confiscation, or destruction of property or data by official order of any governmental or public authority; 2. costs or expenses incurred by the Insured to identify or remediate software progra m errors or vulnerabilities or update, replace, restore, assemble, reproduce, recollect or enhance data or Computer Systems to a level beyond that which existed prior to a Security Breach, System Failure, Dependent Security Breach, Dependent System Failure or Extortion Threat; but solely with respect to Business Interruption Loss, this exclusion will not apply to the extent that such costs or expenses are less than or equal to such costs or expenses incurred to restore the Computer System to the same or equivalent condition that existed immediately prior to a Security Breach or System Failure ; 3. failure, interruption, or malfunction of Financial Market Infrastructure, Digital and Internet Infrastructure, power, water, oil, gas, electrical, sewage, or other utilities, or mechanical infrastructure or services, that are not under the Insured Organization’s direct operational control ; or 4. fire, flood, earthquake, volcanic eruption, explosion, lightning, wind, hail, tidal wave, landslide, act of God or other physical event.
• Website Tracking Exclusion Endorsement specific to hospitals as defined by:
Hospitals defined as institutions that comprise all the following: A health facility with overall administrative and professional responsibility and an organized medical staff that provides 24 -Hour inpatient care, including the following services: Medical, nursing, surgical, anesthesia, laboratory, pharmacy, and dietary services.
30 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 8 of 9 City of Torrance
NOTICE OF CLAIM:
• IMMEDIATE NOTICE must be made to Beazley NY of all potential claims and circumstances (assistance, and cooperation clause applies) • Claim notification under this policy is to:
Beazley Group
Attn: Cyber and Tech Claims Group
45 Rockefeller Plaza, 16th Floor
New York, NY 10111
[email protected]
Toll-Free 24-Hour Hotline 866-567-8570
NOTICE OF
CANCELLATION:
10 days for non-payment of premium
OTHER SERVICES Unlimited Access to Beazley Breach Solutions website https://www.beazley.com/en-us/cyber-customer-centre/cyber/
BROKER: ALLIANT INSURANCE SERVICES, INC.
License No. 0C36861
NOTES:
• Coverage outlined in this Proposal is subject to the terms and conditions set forth in the policy.
• Please refer to Policy for specific terms, conditions and exclusions
• Premium is noted on the Property Proposal
31 2026-2027 Alliant Property Insurance Program (APIP) Cyber Liability Proposal Page 9 of 9 City of Torrance
SUMMARY OF CYBER INSURANCE CHANGES
THE FOLLOWING ITEMS ARE PROPOSED CHANGES FOR THE 2026-2027 POLICY TERM
Coverage 2025-2026 Expiring 2026-2027 Proposed Changes
Beazley Breach Response
Endorsement
Boost option increased the
Business Income from Security
Breach and System Failure, Data
Recovery, and Cyber Extortion to
full limit.
Boost Option is no longer available.
Increased limits offered program
wide with new *Contingency Control
Endorsement outlined above.
Retention Buy Down
Coverage is offered to new and
existing members; underwriting
required
Coverage is offered to new and
existing members; underwriting
required
New members of APIP Cyber Core-
Mid Term Transactions
All Members requesting core
coverage are required to
complete the Beazley
Ransomware Supplemental in the
application portal, along with a
statement of no losses and a
signed AFB Warranty
All Members requesting core
coverage are required to complete
the Beazley Ransomware
Supplemental in the application
portal, along with a statement of no
losses and a signed AFB Warranty.
ECrime Coverage Update
25-26 Ecrime Sub-limits
Fraudulent Instruction: $75,000
Funds Transfer Fraud: $75,000
Telephone Fraud: $75,000
26-27 Ecrime Sub-limits
Fraudulent Instruction: $100,000
Funds Transfer Fraud: $100,000
Telephone Fraud: $100,000
Beazley Core Coverage-New Boost
offering
By endorsement and included
only with the BBR purchase.
Open to all members. Provides
full limit coverage for some First
Party Limits; Business
Interruption, Cyber Extortion, and
Data Recovery
Boost is deleted and no longer
included with the BBR Endorsement.
Contingent Security Control
Endorsement replaces boost
program wide.
New to APIP Cyber Core:
Contingency Security Controls
Endorsement
Previously covered under “Boost”
for BBR Purchasers
Business Interruption from a Security
Breach or System Failure, Data
Recovery, and Cyber Extortion are
now $2,000,000 per member
aggregate with the insureds
implementation of an End Point
Protection Platform and Multi Factor
Authentication at the time of loss.
32 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 1 of 14 City of Torrance
ALLIANT INSURANCE SERVICES, INC.
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
POLLUTION LIABILITY PROPOSAL
TYPE OF INSURANCE: Insurance Reinsurance
TYPE OF COVERAGE: Claims Made and Reported Pollution Liability
PROGRAM: Alliant Property Insurance Program (APIP)
NAMED INSURED: Any member(s), entity(ies), agency(ies), organization(s), enterprise(s), pool(s), Joint Powers Authority(ies) and/or individual(s) attached to each Declaration insured as per Named Insured Schedule on file with Insurer, listed below.
POLICY PERIOD: July 1, 2026 to July 1, 2027
RETROACTIVE DATE: This coverage shall only apply if the Pollution Incident or Disinfection Event giving rise to the Claim, Loss, Business Interruption Expenses or Extra Expenses commenced, in its entirety, on or after July 1, 2011, or the date that the Insured first joined the Alliant Property Insurance Program (APIP) for environmental or pollution insurance coverage, whichever is later, except for the following coverages:
• July 1, 2021 for Products Pollution and Exposure Liability; • July 1, 2021 for Contractor’s Pollution
• July 1, 2021 for Mold Matter
COMPANY: Ironshore Specialty Insurance Company
A.M. BEST
INSURANCE RATING:
A, Excellent, Financial Size Category XV
($2 Billion or greater)
Effective September 10, 2025
STANDARD & POORS
RATING:
A (Strong) as of November 19, 2025
ADMITTED STATUS: Non-Admitted in all states.
COVERED PROPERTY: Per the following Statements of Values (SOVs) submitted and on file with carrier:
1. PEPIP DEC 1 – SOVs
2. PEPIP DEC 2 – SOVs
3. PEPIP DEC 3 – SOVs
4. PEPIP DEC 4 – SOVs
5. PEPIP DEC 5 – SOVs
6. PEPIP DEC 11 – SOVs
7. PEPIP DEC 12 – SOVs
8. PEPIP DEC 14 – SOVs
9. PEPIP DEC 19 – SOVs
10. PEPIP DEC 23 – SOVs
11. PEPIP DEC 24 – SOVs
12. PEPIP DEC 26 – SOVs
13. PEPIP DEC 27 – SOVs
14. PEPIP DEC 28 – SOVs
15. PEPIP DEC 29 – SOVs
16. PEPIP DEC 30 – SOVs
17. PEPIP DEC 32 – SOVs
(Excludes SPIP, except as
endorsed)
18. PEPIP DEC 33 – SOVs
19. PEPIP DEC 34 – SOVs
20. PEPIP DEC 35 – SOVs
21. PEPIP DEC 39 – SOVs
22. PEPIP DEC 96 – SOVs
(Excluding HARPP members)
33 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 2 of 14 City of Torrance
COVERED PROPERTY
(Continued):
Covered locations are defined as any real property owned, leased, rented, operated or occupied by the Insured as of Policy Inception, including, but not limited to, any subsurface potable water, wastewater or storm water pipelines including any appurtenances that are attached to or part of the pipeline network, owned or operated by a Named Insured, within a one thousand (1,000) foot radius of such Covered Property. Also includes any roads including, but not limited to, any alleys, streets or bridges owned or operated by the Insured, any vacant land, including any parks, open spaces, easements or rights-of-way owned or operated by the Insured any location scheduled to this policy by endorsement.
COVERAGES & LIMITS: $25,000,000
$ 2,000,000
$ 2,000,000
$ 2,000,000
Policy Program Aggregate (all insureds combined)
Per Pollution Incident
Per Named Insured Aggregate
Per JPA/Pool Aggregate – including all members
LEGAL COSTS: $ 1,000,000 Aggregate Legal Costs Outside of and in Addition to the Policy Limits
SUB-LIMITS: $ 100,000
$ 100,000
$ 250,000
$ 250,000
$ 5,000,000
$ 1,000,000
$ 3,000,000
$ 3,000,000
$ 250,000
$ 2,000,000
$ 5,000,000
$10,000,000
$ 1,000,000
$ 2,000,000
$ 2,000,000
$10,000,000
$ 5,000,000
Disinfection Event Expenses Per Pollution Incident*
Disinfection Event Expenses Program Aggregate*
Image Restoration Expenses Per Pollution Incident*
Image Restoration Expenses Program Aggregate*
Mold Matter Loss, Business Interruption and Extra
Expense Program Aggregate*
Mold Matter Restoration Costs, Business Interruption
Expenses and Extra Expenses Program Aggregate*
Sewer Backup and Overcharge Program Aggregate*
Lead or Lead Containing Materials Program Aggregate –
All Claims*
Any Punitive, Exemplary and Multiplied Damages and Civil Fines, Penalties and Assessments*
Products Pollution and Exposure Liability Per Pollution Incident*
Products Pollution and Exposure Liability Program
Aggregate – Biosolid-derived fertilizer*
Products Pollution and Exposure Liability Program
Aggregate – Potable Water*
Contractor’s Pollution Per Pollution Incident - Herbicide, Insecticide, Pesticide Applications Only*
Contractor’s Pollution Program Aggregate - Herbicide,
Insecticide, Pesticide Applications Only*
Contractor’s Pollution Per Pollution Incident - All other Operations*
Contractors Pollution Program Aggregate* - All other
Operations*
Wildfire Program Aggregate Sublimit*
*Note: the above sub-limits payable under this coverage do not increase and are not in addition to the applicable limit of liability. 34 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 3 of 14 City of Torrance
EXTENDED REPORTING
PERIOD:
Automatic Extended Reporting Period
The Named Insured shall be entitled to an Automatic Extended Reporting Period for a period of ninety (90) days following the effective date of termination of this Policy for no additional premium. This automatic ERP does not apply if the insured has purchased other insurance to replace the insurance provided by this policy.
SPECIFIC COVERAGE
PROVISIONS:
CLAIMS MADE AND REPORTED
Coverage A – Third Party Claims for Bodily Injury, Property Damage or Remediation Expenses:
Coverage for loss that the Insured becomes legally obligated to pay as a result of claims for Bodily Injury, Property Damage or Remediation Expenses directly resulting from a Pollution Incident, provided that the claim is first made against the Insured and reported to the Insurer, in writing, during the policy period.
Coverage B – Onsite First Party Remediation Expenses:
Coverage for Remediation Expenses incurred exclusively for remediation of pollutants that are on, at or under a covered location, provided that the pollution incident is first discovered by the Insured during the policy period, the Insured reports the pollution incident to the Insurer, in writing, during the policy period, and the pollution incident is promptly reported by the Insured to the appropriate governmental authority if and as required by environmental law.
Coverage C – Emergency Response Expenses:
To pay on behalf of the Insured, Emergency Response Expenses incurred by or on behalf of the Insured in response to an imminent and substantial threat to human health or the environment resulting from a Pollution Incident on, at , under or migrating from a Covered Property or arising from Transportation that commences, in its entirety, during the policy period. The Emergency Response Expenses must: (i) be incurred within seven (7) days of the commencement of such Pollution Incident; and (ii) be reported to the Insurer within fourteen (14) days of such commencement. For this Coverage to apply, the Pollution Incident giving rise to the Emergency Response Expenses must be unexpected and unintended from the standpoint of the Insured.
Coverage for Transportation is included in Emergency Response Expenses above.
Coverage D – Business Interruption:
Coverage for the Insured’s Business Interruption Expenses and Extra Expenses during the Period of Interruption that directly result from a Pollution Incident on, at or under a Covered Property.
This Coverage shall apply only if the Pollution Incident giving rise to the Business Interruption Expenses or Extra Expenses is first discovered by the Insured and reported to the Insurer, in writing, during the Policy Period, and such Pollution Incident results in Remediation Expenses covered under this Policy. Discovery of a Pollution Incident happens when a Responsible Insured first becomes aware of the Pollution Incident. Further, if the interruption results from a Pollution Incident and any other cause(s), the Company shall only pay that portion of Business Interruption Expenses and Extra Expenses solely attributable to the Pollution Incident. In the event of a Period of Interruption, it is a condition precedent to Coverage that the Named Insured notifies the Company of the interruption within thirty (30) days of its commencement and that the Named Insured resume normal operation of the business as soon as possible and use all reasonable efforts to mitigate any Business Interruption Expenses and Extra Expenses. 35 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 4 of 14 City of Torrance
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Coverage E – Coverage for Disinfection Event Expenses
To pay on behalf of the Insured, Disinfection Expenses that directly result from a Disinfection Event at a Covered Property, provided that the Disinfection Event commences, in its entirety, during the Policy Period; such Disinfection Expenses are incurred within thirty (30) days of the first discovery of such Disinfection Event by a Responsible Insured; and the Insured reports the Disinfection Event to the Insurer, in writing, during the Policy Period and within fourteen (14) days of a Responsible Insured’s first discovery of such Disinfection Event.
Disinfection Expenses means reasonable fees and costs incurred by the Insured to retain third party qualified vendors to disinfect the actual presence of bacteria or virus at a Covered Property after a Disinfection Event.
Coverage F – Coverage for Image Restoration Expenses
To pay on behalf of the Insured, Image Restoration Expenses that directly result from an Image Restoration Event, provided that the Pollution Incident giving rise to the Image Restoration Event is on, at, under or migrating from a Covered Property or results from Transportation or Waste Disposal Activities; the Pollution Incident giving rise to the Image Restoration Expenses commenced, in its entirety, during the Policy Period; such Image Restoration Expenses are incurred by the Insured within fourteen (14) days of the first newspaper or magazine publication or television news broadcast associated with the Pollution Incident giving rise to the Image Restoration.
Event; and the Pollution Incident giving rise to the Image Restoration Expenses is reported to the Company, in writing, during the Policy Period and within fourteen (14) days of a Responsible Insured’s first discovery of such Image Restoration Event.
Image Restoration Expenses are defined as reasonable and necessary public relations expenses to restore public reputation and consumer confidence. Image Restoration Expenses shall include fees and expenses incurred by public relations or crisis management firms and reasonable and necessary printing, mailing of materials and travel by directors, officers, employees or agents of the Named Insured at the direction of such firms.
Image Restoration Expenses shall not include the costs to purchase advertising on television, in newspapers or in any other media.
Supplemental coverage for Contractors Pollution is included. This coverage covers third-party claims arising out of “your work”, provided the claim is first made and reported during the policy period. The Contractor’s Pollution must have commenced on or after 7/1/2021.
Supplemental coverage for Products Pollution and Exposure Liability is included. This coverage covers third-party claims arising out of product pollution, provided the claim is first made and reported during the policy period. The Products Pollution must have commenced on or after 7/1/2021.
36 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 5 of 14 City of Torrance
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Insured’s Products are defined as:
• Potable water manufactured, sold, handled or distributed by the Insured or others trading under the Insured’s name, and includes containers (other than automobiles, rolling stock, vessels or aircraft), materials, parts or equipment furnished in connection therewith, and includes warranties or representations made at any time with respect to the fitness, quality, durability, performance or use thereof, or the failure to provide warnings or instructions; or • Biosolid-derived fertilizers manufactured, sold, handled or distributed by the Insured or others trading under the Insured’s name, and includes containers (other than automobiles, rolling stock, vessels or aircraft), materials, parts or equipment furnished in connection therewith, and includes warranties or representations made at any time with respect to the fitness, quality, durability, performance or use thereof, or the failure to provide warnings or instructions.
Illicit Abandonment is included in the definition of pollution condition.
Other Insurance Condition
Any Loss covered under any other valid and collectible insurance, whether primary, excess, contingent, self -insurance, deductible or any other basis, including but not limited to any stand -alone policies purchased by a Named Insured, this insurance shall apply in excess of.
Mold matter and Legionella is included in the definition of Pollutant. Mold matter is defined as mold, mildew and fungi, whether or not such microbial matter is living. Legionella means legionella pnuemophila.
Wildfire is defined as any hostile fire, wildland fire, forest fire, brush fire, vegetation fire, grass fire, peat fire, bushfire, hill hire, desert fire, veldfire, escaped prescribed fire or escaped wildland fire.
Automatic Acquisition – Automatic coverage for mid-term real property additions, upon the closing date of such acquisition, or the effective date of such lease, management, rental or occupation right or obligation, respectively, for no additional premium. Notice must be provided to the Insurer within 365 days, along with any supporting documentation reasonably requested by the underwriter.
Coverage does not apply to any Remediation Expenses or Emergency Response Expenses incurred for the remediation of Mold Matter at such Acquired Real Property which is the result of any water intrusion or moisture condition prior to the Insured taking title or occupancy of such property. Any water-intrusion or moisture condition shall include, but not be limited to, any roof or building envelope leak, any heating, ventilation and air conditioning (HVAC) system improvement, replacement or upgrade or any plumbing or pipe leak.
To add new members to the program or new sub-members to existing program members, a current statement of values is required for the new member or sub-member and is subject to an additional premium of $0.00102 per $100 of Total Insurable Values, pro-rated, with a minimum premium of $450.
37 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 6 of 14 City of Torrance
SPECIFIC COVERAGE
PROVISIONS -
CONTINUED:
Blanket Underground Storage Tank coverage included, with a deductible of $250,000 for storage tanks less than twenty years old, a deductible of $375,000 for storage tanks between twenty and thirty years old, and a deductible of $500,000 for storage tanks which are thirty years old or older.
Note: Does not meet financial assurance requirements.
Loss covered pursuant to any state storage tank fund, state administered insurance program or restoration funding for any underground storage tank(s) whose owners qualify for reimbursement, or any self-insurance fund established for the purpose of funding clean-up costs for pollution conditions from any underground storage tank(s), shall be considered primary insurance, to which the coverage afforded pursuant to this policy shall apply in excess.
Additional Insureds are as follows:
• Any Entity
• If any Named Insured pursuant to this Policy is a Public Entity, the following entities are additional insureds:
o A governmental agency or subdivision, department, municipal body, commission or board, or a not-for profit corporation which is owned or controlled by any Named Insured;
o An individual while acting in the capacity as a director of, officer of, trustee of, employee of, temporary or leased worker of, or staff member of, any Named Insured;
o A volunteer, but solely while acting within the scope of such duties and at the direction of any Named Insured;
o A paramedic or emergency technician, but solely while acting within the course and scope of employment or while acting as a volunteer pursuant to the direction of any Named Insured; o An elective or appointive officer or a member of any such commission, board or agency of any Named Insured but solely while acting within the scope of duties as such; or
o A joint venture or partnership, including a mutual assistance pact, joint powers agreement or similar association, but only with respect to the conduct of the business of any named Insured on behalf of that entity or association and only to the extent of such Named Insured’s participation or interest in that entity or association.
If the Named Insured is an Educational Entity, the following persons or entities are additional insureds, individually and collectively, when acting solely within the scope of their duties, office, or employment for, and pursuant to the supervision of, any Named Insured:
• Members of the School Board;
• Officers;
• Employees;
• Temporary or Leased Workers;
• Authorized individual volunteers; or
• Student Body Organizations pursuant to the jurisdiction of the governing board, but only while pursuant to the supervision required by the governing board.
38 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 7 of 14 City of Torrance
EXCLUSIONS (including
but not limited to):
Coverage does not apply to any claim or loss from:
• Aircraft, Auto or Watercraft – does not apply to Transportation • Asbestos, PCBs and Lead –
o Any asbestos, asbestos containing materials, lead, lead containing materials, including but not limited to lead-based paint, polychlorinated biphenyls (PCBs) or materials containing PCBs in, on, at, within or applied to any building, utility, structure or building material. This exclusion does not apply to Claims for Bodily Injury or Property Damage, or Remediation Expenses for the remediation of any soil, groundwater body, surface water body or sediment; or
o Any asbestos, asbestos containing materials, lead or lead- containing materials, other metals, including but not limited to copper, or metal containing materials in, on or applied to any water supply or collection equipment, system or infrastructure, including but not limited to water service lines; this does not apply to third-party claims for bodily injury or property damage, or for remediation expenses of any groundwater body, surface water body or sediment;
Further, this exclusion shall not apply to Remediation Expenses solely incurred for the remediation of asbestos, asbestos containing materials or lead-based paint which has been inadvertently displaced (not including any displacement associated with demolition, renovation or abatement) by an accident which occurs, in its entirety, during the Policy Period and is demonstrable by the Insured as commencing during the Policy Period, provided that such accident is reported to the Company within thirty (30) days of its commencement. However, there shall be no coverage for any costs incurred to: remove, abate, repair, dispose of or otherwise address any asbestos, asbestos containing materials or lead-based paint that has not been displaced by such accident, or to remove or dispose of any building, construction or demolition debris.
Asbestos is fully excluded under Products Pollution and Exposure Liability coverage.
• Contractual Liability – This exclusion does not apply to liability that the Insured would have had in the absence of the contract or agreement or to liability assumed in an Insured Contract. • Criminal Punishments
• Divested Property – does not apply to any Covered Property owned by an Insured as of Policy Inception which is leased to a third party, even if the Insured has relinquished operation or management control of such Covered Property, provided that such covered property was disclosed to the Insurer.
39 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 8 of 14 City of Torrance
EXCLUSIONS (including
but not limited to, Cont.):
Coverage does not apply to any claim or loss from:
• Employer Liability – This exclusion applies whether the Insured may be liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of such Bodily Injury.
• Insured’s Internal Expenses
• Insured’s Non-Compliance
• Insured vs. Insured
• Insured’s Professional Services – any professional services performed or rendered on behalf of the Insured, including but not limited to, medical services, recommendations, opinions and strategies rendered for architectural, consulting and engineering work, such as drawings, designs, maps, reports, surveys, change orders, plan specifications, assessment work, remedy selections site maintenance and equipment selection, and supervisory, inspection or engineering service.
• Material Change In Use – This exclusion shall not apply if the Insured submits prior written notice no less than thirty (30) days prior to such material change, and the Company approves such material change in an endorsement to this Policy issued within thirty (30) days of such notice.
• Non-Disclosure – does not apply to any Inadvertently Omitted Locations
• Nuclear or Radiological Material
• Property Damage to Conveyances
• War
• Workers Compensation, Unemployment, Social Security, Disability and Similar Laws
• Waste Processing, Treatment or Disposal – does not apply to waste disposal activities at a non-owned disposal site. • Airports – defined as any airport where enplanement occurs and/o cargo is moved for a fee and storage, transportation and the dispensing of fuel and/or de-icing solution operations are conducted. This exclusion shall not apply to passenger airports with less than 2,500 passenger boardings per year.
• Oil and/or Gas Operations – only applies to oil and/or gas producing and refining facilities
• Firearms, Explosives or Military Weapons
• Activity Use Limitation
• Landfill Closure, Post-Closure and Reclamation Costs – any closure, post closure or reclamation costs or obligations, including but not limited to any costs associated with landfill caps or gas or leachate systems. Does not apply to claims for Bodily Injury or Property Damage.
• Combined Sewer Overflow – defined as any discharge of stormwater and / or wastewater into any body of water, including surface water or groundwater, arising from a sewer system (including but not limited to sewer lines, pipes, pumping stations, appurtenances and treatment plants) that handles both wastewater and stormwater due to the volume of stormwater and / or wastewater exceeding the capacity of such sewer system. 40 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 9 of 14 City of Torrance
EXCLUSIONS (including
but not limited to, Cont.):
Coverage does not apply to any claim or loss from:
• Commercial Ports – Any commercial port where ships load and unload cargo.
• Landfill
• Odor - Solely with respect to any Pollution Incident on, at, under or migrating from any location used (in whole or part) at any time (currently or historically) for the collection, treatment, recycling, management, incineration or disposal of waste materials, any Claim, in whole or part, due to or in any way associated with any odor; any Claim for Bodily Injury or Property Damage due to or associated with any gas or emissions that have migrated beyond the boundaries of a Covered Property; or any Claim for public or private nuisance due to or associated with any odor or any gas or emissions migration.
• Impoundments
• Engineering Controls / Operation and Maintenance (O&M) Costs • Groundwater and Surface Water Monitoring Costs
• COVID-19
• Capital Improvement – Applies to all locations, also applies to removal, replacement, repair or upgrade of an underground storage tank.
• Voluntary Site Investigation – Applies to all locations. • Expected or Intended Injury or Damage (Product Pollution and Covered Operations only)
• Known Injury or Damage (Product Pollution and Covered Operations only)
• Product Disposal (Product Pollution Only)
• Products as Waste (Product Pollution Only)
• Transportation (Product Pollution only)
• Damage to the Insured’s Product (Product Pollution Only) • Drinking Water Standards Exceedance (Product Pollution Only) • Material Change in Potable Water Supply Source (Product Pollution Only)
• Conveyance (Covered Operations only)
• Business Interruption (Covered Operations Only)
• Owned Property (Covered Operations Only)
• Damage to Your Work (Covered Operations Only)
41 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 10 of 14 City of Torrance
EXCLUSIONS (including
but not limited to, Cont.):
Coverage does not apply to any claim or loss from:
• Any perfluorinated compound (PFC) or perfluoroalkyl or polyfluoroalkyl substance, including but not limited to 10:2 fluorotelomer sulfonic acid (10:2 FTS); 11-chloroeicosafluoro-3- oxaundecane-1-sulfonic acid (11ClPF3OUdS); 2H,2H,3H,3H- perfluorodecanoic acid (7:3 FTCA); 2H,2H,3H,3H-
perfluorohexanoic acid (3:3 FTCA); 2H,2H,3H,3Hperfluorooctanoic acid (5:3 FTCA); 4,8-dioxa-3H-perfluorononanoic acid (ADONA); 4:2 fluorotelomer sulfonic acid (4:2 FTS); 6:2 fluorotelomer sulfonic acid (6:2 FTS); 8:2 fluorotelomer sulfonic acid (8:2 FTS); 9- chlorohexadecafluoro-3oxanonane-1-sulfonic acid (9ClPF3ONS); n-ethyl perfluorooctane sulfonamido ethanol (NEtFOSE);
hexafluoropropylene oxide dimer acid (HFPO-DA or GenX); n- methyl perfluorooctane sulfonamido ethanol (NMeFOSE); n-ethyl perfluorooctanesulfonamidoacetic acid (NEtFOSAA); n-ethyl perfluorooctane sulfonamide (NEtFOSA); n-methyl
perfluorooctanesulfonamidoacetic acid (NMeFOSAA); n-methyl perfluorooctane sulfonamide (MeFOSA); nonafluoro3,6-
dioxaheptanoic acid (NFDHA); perfluoro(2-ethoxyethane) sulfonic acid (PFEESA); perfluoro-3-methoxypropanoic acid (PFMPA); perfluoro-4-methoxybutanoic acid (PFMBA); perfluorobutane sulfonic acid (PFBS); perfluorobutanoic acid (PFBA);
perfluorodecane sulfonic acid (PFDS); perfluorodecanoic acid (PFDA); perfluorododecanoic acid (PFDoA); perfluoroheptane sulfonic acid (PFHpS); perfluoroheptanoic acid (PFHpA); perfluorohexadecanoic acid (PFHxDA); perfluorohexane sulfonic acid (PFHxS); perfluorohexanoic acid (PFHxA); perfluorononane sulfonic acid (PFNS); perfluorononanoic acid (PFNA);
perfluorooctadecanoic acid (PFODA); perfluorooctane sulfonamide (PFOSA); perfluorooctane sulfonic acid (PFOS); perfluorooctanoic acid (PFOA); perfluoropentane sulfonic acid (PFPeS);
perfluoropentanoic acid (PFPeA); perfluorotetradecanoic acid (PFTA); perfluorotridecanoic acid (PFTrDA); perfluoroundecanoic acid (PFUnA); perfluorodedecanesulfonic acid (PFDoS);
polytetrafluoroethylene (PTFE); 8:2 fluorotelomer unsaturated carboxylic acid (8:2 FTUCA) or 8:2 polyfluoroalkyl phosphate diester (8:2 diPAP), or any precursor chemicals. PFAS shall include: (i) any PFAS that falls within the structural definition set forth in 40 CFR 705.3, or any additions or amendments thereto; (ii) any anion forms, structural isomers or salts of PFAS associated with their corresponding acid forms, or any processing aids or residual materials contained therein; or (iii) any transformation or degradation compounds of PFAS. Further, PFAS shall also include aqueous film forming foam (AFFF) containing PFAS or any additives or component materials contained therein or degradation by-products thereof.
42 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 11 of 14 City of Torrance
DEDUCTIBLE: $ 250,000
$ 500,000
Each Pollution Incident After July 1, 2021
Each Pollution Incident Prior to July 1, 2021
Any payments for covered loss paid by other insurance shall also be applied against the deductible amount.
SPECIFIC
DEDUCTIBLES:
$ 250,000
$ 250,000
$ 250,000
$ 250,000
$ 350,000
$ 500,000
$ 500,000
*
Disinfection Event Expenses
Image Restoration Expenses
Products Pollution and Exposure Liability
Covered Operations
Mold Matter (*or $25,000 per room impacted, whichever is greater, with a $2,500,000 maximum – a room is considered equal to 250 sq ft of floor space, education, healthcare and hospitality locations only)
Legionella
Sewer Backup and Overcharge deductible
$ 250,000
$ 375,000
$ 500,000
$ 1,000,000
Underground Storage Tanks (less than 20 years old)
Underground Storage Tanks (20-30 years old)
Underground Storage Tanks (more than 30 years old)
Wildfire Deductible
5 Days Business Interruption Waiting Period
CLAIMS REPORTING NOTICE
PLEASE NOTE THAT POLLUTION LIABILITY POLICIES CONTAIN EXTREMELY STRICT CLAIM REPORTING PROCEDURES. Below please find your policy specific claim reporting requirements - Please make sure you understand these obligations. Contact your Alliant Service Team with any questions.
THIS IS A CLAIMS MADE POLICY
This claims-made policy contains a requirement stating th at this policy applies only to any claim first made against the Insured and reported to the insurer during the policy period or applicable extended reporting period. Claims must be submitted to the insurer during the policy period, or applicable extended reporting period, as required pursuant to the Claims/Loss Notification Clause within the policy in order for coverage to apply. Late reporting or failure to report pursuant to the policy’s requirements could result in a disclaimer of coverage by the insur er. 43 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 12 of 14 City of Torrance
LOSS REPORTING
REQUIREMENTS:
Written notice of any claim or pollution condition, within seven (7) days of discovery for pollution conditions requiring immediate emergency response. Concurrently, please send to:
1) Ironshore Environmental Claims CSO
28 Liberty Street, 5th Floor
New York, NY 10005 Office
By phone via: 24 Hour Claims Phone Number (888) 292-0249 FAX to: 646-826-6601
Email: [email protected]
2) Akbar Sharif
Alliant Insurance Services, Inc.
18100 Von Karman Avenue
10th Floor
Irvine, CA 92612
949 260-5088
949 756-2713 – fax
[email protected]
NOTICE OF
CANCELLATION:
90 days except 10 days for non-payment of premium
REINSTATEMENT
PROVISIONS:
Not Provided
POLLUTION LIABILITY
COST:
Cost is included in Total Property Premium
100% Earned Premium at Inception
QUOTE VALID: July 1, 2026
BROKER: ALLIANT INSURANCE SERVICES, INC.
License No. 0C36861
NOTES:
• This Proposal is based on the current loss experience and is subject to change if this insured’s loss ratio deteriorates further and/or if the markets suffer a catastrophic event. • Coverage outlined in this Proposal is subject to the terms and conditions set forth in the policy.
• Please refer to Policy for specific terms, conditions and exclusions.
• Change in Total Insurable Values will result in adjustment in premium.
• Please refer to invoice for new lock box remittance for address and account information.
44 SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE CHANGES FOR THE 2026-2027 POLICY TERM 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 13 of 14 City of Torrance
Coverage 2025-2026 2026-2027 Changes
Pollution Liability
Policy Term July 1, 2025 to July 1,2026 July 1, 2026 to July 1, 2027 A.M. Best Insurance
Rating
A, Excellent, Financial Category XV
($2 Billion or greater)
Effective August 2, 2024
A, Excellent, Financial Category XV
($2 Billion or greater)
Effective September 10, 2025
Standard and Poors
Insurance Rating A (Strong) as of May 19, 2024 A (Strong) as of April 15, 2026 Covered Property
1. PEPIP DEC 1 –
SOVs
2. PEPIP DEC 2 –
SOVs
3. PEPIP DEC 3 –
SOVs
4. PEPIP DEC 4 –
SOVs
5. PEPIP DEC 5 –
SOVs
6. PEPIP DEC 11 –
SOVs
7. PEPIP DEC 12 –
SOVs
8. PEPIP DEC 14 –
SOVs
9. PEPIP DEC 19 –
SOVs
10. PEPIP DEC 23 –
SOVs
11. PEPIP DEC 24 –
SOVs
12. PEPIP DEC 26 –
SOVs
13. PEPIP DEC 27 –
SOVs
14. PEPIP DEC 28 –
SOVs
15. PEPIP DEC 29 –
SOVs
16. PEPIP DEC 30 –
SOVs
17. PEPIP DEC 32 –
SOVs
(Excludes SPIP,
except as endorsed)
18. PEPIP DEC 33 –
SOVs
19. PEPIP DEC 34 –
SOVs
20. PEPIP DEC 35 –
SOVs
21. PEPIP DEC 96 –
SOVs
(Excluding HARPP
members)
1. PEPIP DEC 1 –
SOVs
2. PEPIP DEC 2 –
SOVs
3. PEPIP DEC 3 –
SOVs
4. PEPIP DEC 4 –
SOVs
5. PEPIP DEC 5 –
SOVs
6. PEPIP DEC 11 –
SOVs
7. PEPIP DEC 12 –
SOVs
8. PEPIP DEC 14 –
SOVs
9. PEPIP DEC 19 –
SOVs
10. PEPIP DEC 23 –
SOVs
11. PEPIP DEC 24 –
SOVs
12. PEPIP DEC 26 –
SOVs
13. PEPIP DEC 27 –
SOVs
14. PEPIP DEC 28 –
SOVs
15. PEPIP DEC 29 –
SOVs
16. PEPIP DEC 30 –
SOVs
17. PEPIP DEC 32 –
SOVs
(Excludes SPIP, except as
endorsed)
18. PEPIP DEC 33 –
SOVs
19. PEPIP DEC 34 –
SOVs
20. PEPIP DEC 35 –
SOVs
21. PEPIP DEC 39 –
SOVs
22. PEPIP DEC 96 –
SOVs
(Excluding HARPP
members)
Covered locations are defined as any real property
owned, leased, rented, operated or occupied by
the Insured as of Policy Inception, including, but
not limited to, any subsurface potable water,
wastewater or storm water pipelines to or from a
Covered Location provided that such pipelines are
located within a one thousand (1,000) foot radius
of such Covered Location. Also includes any roads
including, but not limited to, any alleys, streets or
bridges owned or operated by the Insured, any
vacant land, including any parks, open spaces,
easements or rights-of-way owned or operated by
the Insured any location scheduled to this policy by
endorsement.
Covered locations are defined as any real property
owned, leased, rented, operated or occupied by the
Insured as of Policy Inception, including, but not
limited to, any subsurface potable water, wastewater
or storm water pipelines including any appurtenances
that are attached to or part of the pipeline network,
owned or operated by a Named Insured, within a one
thousand (1,000) foot radius of such Covered
Property. Also includes any roads including, but not
limited to, any alleys, streets or bridges owned or
operated by the Insured, any vacant land, including
any parks, open spaces, easements or rights-of-way
owned or operated by the Insured any location
scheduled to this policy by endorsement.
Coverages & Limits
$2,000,000 Per JPA/Pool Aggregate $2,000,000 Per JPA/Pool Aggregate – Including All Members
45 SUMMARY OF BOUND CHANGES
THE FOLLOWING ITEMS ARE CHANGES FOR THE 2026-2027 POLICY TERM 2026-2027 Alliant Property Insurance Program (APIP) Pollution Liability Proposal Page 14 of 14 City of Torrance
Coverage 2025-2026 2026-2027 Changes
Legal Costs <Not Applicable> $1,000,000 Aggregate Legal Costs Outside of and in Addition to the Policy Limits
Specific Coverage
Provisions
Automatic Acquisition – Automatic coverage for
mid-term real property additions, upon the closing
date of such acquisition, or the effective date of
such lease, management, rental or occupation right
or obligation, respectively, for no additional
premium. Notice must be provided to the Insurer
within 365 days, along with any supporting
documentation reasonably requested by the
underwriter. To the extent that the Insured has a
Phase I Environmental Assessment (“Phase I”) for
such acquired real property, a copy must be
provided to the Insurer’s underwriter, unless the
acquired real property is leased, managed or
rented.
Automatic Acquisition – Automatic coverage for mid-
term real property additions, upon the closing date of
such acquisition, or the effective date of such lease,
management, rental or occupation right or obligation,
respectively, for no additional premium. Notice must
be provided to the Insurer within 365 days, along with
any supporting documentation reasonably requested
by the underwriter.
<Not Applicable>
To add new members to the program or new sub-
members to existing program members, a current
statement of values is required for the new member or
sub-member and is subject to an additional premium
of $0.00102 per $100 of Total Insurable Values, pro-
rated, with a minimum premium of $450.
Blanket Underground Storage Tank coverage
included, with a deductible of $500,000 for storage
tanks less than twenty years old, a deductible of
$375,000 for storage tanks between twenty and
thirty years old, and a deductible of $500,000 for
storage tanks which are thirty years old or older.
Note: Does not meet financial assurance
requirements.
Blanket Underground Storage Tank coverage
included, with a deductible of $250,000 for storage
tanks less than twenty years old, a deductible of
$375,000 for storage tanks between twenty and thirty
years old, and a deductible of $500,000 for storage
tanks which are thirty years old or older. Note: Does
not meet financial assurance requirements.
46 ALLIANT PROPERTY INSURANCE PROGRAM
2026-2027
NAMED INSURED SCHEDULE
AS OF 06/11/2026
THE NAMED INSURED IS:
Named Insured shall be deemed the sole agent of each and every Named Insured for the purpose of:
(1) Giving notice of cancellation,
(2) Giving instructions for changes in the Policy and accepting changes in this Policy (3) The payment of assessments / premiums or receipt of return assessments / premiums.
Member(s), entity(ies), agency(ies), organization(s), enterprise(s) and/or individual(s) for whom the Named Insured has extended coverage is as follows:
City of Torrance
3031 Torrance Blvd.
Torrance, CA 90503-9051
NAMED INSURED MEMBER(S)
City of Torrance
Los Angeles Torrance Civic Center
Authority
Municipal Area Express
Public Facilities Corporation
Torrance Improvement Corporation
Torrance Public Financing Authority
Torrance Redevelopment Agency
Torrance Sister City Association, Inc.
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51 Last Updated: May 2023 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 1 Disclosures / Disclaimers
This proposal of insurance is provided as a matter of convenience and information only. All information included in this proposal, including but not limited to personal and real property values, locations, operations, products, data, automobile schedules, financial data and loss experience, is based on facts and representations supplied to Alliant Insurance Services, Inc. by you. This proposal does not reflect any independent study or investigation by Alliant Insurance Services, Inc. or its agents and employees.
Please be advised that this proposal is also expressly conditioned on there being no material change in the risk between the date of this proposal and the inception date of the proposed policy (including the occurrence of any claim or notice of circumstances that may give rise to a claim under any policy which the policy being proposed is a renewal or replacement).
In the event of such change of risk, the insurer may, at its sole discretion, modify, or withdraw this proposal, whether or not this offer has already been accepted.
This proposal is not confirmation of insurance and does not add to, extend, amend, change, or alter any coverage in any actual policy of insurance you may have. All existing policy terms, conditions, exclusions, and limitations apply. For specific information regarding your insurance coverage, please refer to the policy itself. Alliant Insurance Services, Inc. will not be liable for any claims arising from or related to information included in or omitted from this proposal of insurance.
Alliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including the types of income that Alliant may earn on a placement, are available on our website at www.alliant.com. For a copy of our policy or for any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliant Insurance Services, Inc., Attention: General Counsel, 701 B Street, 6th Floor, San Diego, CA 92101.
Analyzing insurers' over -all performance and financial strength is a task that requires specialized skills a nd in -depth technical understanding of all aspects of insurance company finances and operations. Insurance brokerages such as Alliant Insurance typically rely upon rating agencies for this type of market analysis. Both A.M. Best and Standard and Poor's have been industry leaders in this area for many decades, utilizing a combination of quantitative and qualitative analysis of the information available in formulating their ratings.
A.M. Best has an extensive database of nearly 6,000 Life/Health, Property Casualty and International companies. You can visit them at www.AmBest.com. For additional information regarding insurer financial strength ratings visit Standard and Poor's website at www.standardandpoors.com.
Our goal is to procure insurance for you with underwriters possessing the financial strength to perform. Alliant does not, however, guarantee the solvency of any underwriters with which insurance or reinsurance is placed and maintains no responsibility for any loss or damage arising from the financial failure or insolvency of any insurer. We encourage you to review the publicly available information collected to enable you to make an informed decision to accept or reject a particular underwriter. To learn more about companies doing business in your state, visit the Department of Insurance website for that state.
New York Regulation 194 and General Broker Compensation Disclosure Alliant Insurance Services, Inc. is an insurance producer licensed by the State of New York and other States. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically involves one or more of these activities.
Compensation will be paid to th e producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors such as the volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect compensation.
52 Last Updated: May 2023 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 2
Disclosures / Disclaimers Cont.
The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by requesting such information from the producer.
Declaration Limit Disclosure
Unless stated otherwise, coverage limits of liability and sub-limits of liability are shared across the Named Insured(s) designated in a single Declaration. Exceptions include:
• Terrorism coverage, if purchased by a specific Named Insured, is provided on a combined basis with a sub-limit of liability that is shared across Named Insureds covered under multiple relevant Declarations.
• Flood and Earthquake sub-limits of liability, if purchased by a specific Named Insured and except as indicated below, are dedicated by Named Insured and cannot be reduced by losses sustained by other Named Insureds.
If a single Occurrence causes direct physical loss or damage to property of multiple Named Insureds covered by the same Declaration (or all relevant Declarations as respects Terrorism coverage), it is possible that the applicable shared limit of liability or sub-limit of liability may be insufficient to fully indemnify the physical loss or damage as sustained by multiple Named Insureds.
In the event of a loss or accumulation of losses whereby the amount of loss exceeds the applicable shared limit of liability or sub-limit of liability, the recovery available will be allocated on a proportional basis among individual Named Insureds under the same Declaration (or all relevant Declarations as respects Terrorism coverage). This allocation applies until exhaustion of limits on a per Occurrence basis and on an Annual Aggregate basis (if applicable). If a Named Insured’s claim reporting is delayed, such Named Insured’s recovery may be reduced or eliminated.
Furthermore, any Annual Aggregate limit of liability or sub-limit that is shared across all Named Insureds covered under a particular Declaration (or all relevant Declarations as respects Terrorism coverage) may be reduced or exhausted by the prior payment of claims arising out of separate Occurrences in the same Policy Period. As a result, it is possible that there may be no remaining limit available to pay a specific Named Insured’s claim under the Policy.
To the extent covered, the Annual Aggregate limits are as follows:
• Accidental Contamination
• Mold/Fungus Resultant Damage
• Terrorism
• Flood and Earthquake damage to Licensed Vehicles, Unlicensed Vehicles, Contractor’s Equipment and Fine Arts for Named Insured(s) that do not purchase optional dedicated Earthquake or Flood coverage Privacy
At Alliant, one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your prefere nces are honored. At the same time, the very nature of our relationship may result in Alliant’s collecting or sharing certain types of information about you in order to provide the products and services you expect from us. Please take the time to read our full Privacy Policy posted at www.alliant.com, and contact your Alliant service team should you have any questions.
FATCA
The Foreign Account Tax Compliance Act (FATCA) requires the notification of certain financial accounts to the United States Internal Revenue Service. Alliant does not provide tax advice so please contact your tax consultant for your obligation regarding FATCA.
53 Last Updated: May 2023 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 3 Disclosures / Disclaimers Cont.
NRRA
(Applicable if the insurance company is non-admitted)
The Non-Admitted and Reinsurance Reform Act (NRRA) went into effect on July 21, 2011. Accordingly, surplus lines tax rates and regulations are subject to change which could result in an increase or decrease of the total surplus lines taxes and/or fees owed on this placement. If a change is required, we will promptly notify you. Any additional taxes and/or fees must be promptly remitted to Alliant Insurance Services, Inc.
Changes and Developments
It is important that we be advised of any changes in your operations, which may have a bearing on the validity and/or adequacy of your insurance. The types of changes that concern us include, but are not limited to, those listed below:
▪ Mergers and/or acquisition and any change in business ownership, including percentages. ▪ Any newly assumed contractual liability, granting of indemnities or hold harmless agreements. ▪ Any changes in existing premises including vacancy, whether temporary or permanent, alterations, demolition, etc. Also, any new premises either purchased, constructed or occupied ▪ Circumstances which may require an increased liability insurance limit. ▪ Any changes in fire or theft protection such as the installation of or disconnection of sprinkler systems, burglar alarms, etc. This includes any alterations to the system. ▪ Immediate notification of any changes to a scheduled of equipment, property, vehicles, electronic data processing, etc.
▪ Property of yours that is in transit, unless previously discussed and/or currently insured.
Loss Notification Requirements:
Your policy will come with specific claim reporting requirements. Please make sure your organization understands these obligations and time limitations which are outlined in the attached Loss Notification documents. Contact your Alliant Service Team with any questions.
54 Last Updated: May 2023 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 4 Binding Requirements Recap
Required with Binding Request:
• Signed and dated Request to Bind Coverage form (below) • Signed and dated Surplus Lines forms as required by your state and attached to this proposal* • Signed and dated APIP Claims Reporting Acknowledgement(s) Receipt Form • Signed and dated Terrorism Risk Insurance ACT
*- only required for coverage in the following states: AR, CA, CT, FL, KS, MA, MT, NE, NY, ND, OH, RI, WV, WY Request to Bind Coverage
City of Torrance
We have reviewed the proposal and agree to the terms and conditions of the coverages presented.
This Authorization to Bind Coverage also acknowledges receipt and review of all disclaimers, disclosures, and loss notification requirements including exposures used to develop insurance terms, contained within this proposal.
X
Signature of Authorized Insured Representative Date
Title
Print / Type Insured Representative Full Name
This proposal does not constitute a binder of insurance. Binding is subject to final carrier approval. The actual terms and conditions of the policy will prevail.
55 LOSS NOTIFICATION REQUIREMENT
ALLIANT PROPERTY INSURANCE PROGRAM (APIP)
Claim notifications need to be sent to Robert Frey, Diana Walizada and Sandra Doig. In the event this is a Cyber loss please include item III contact, for a Pollution loss please include item IV contact in addition to Alliant Insurance Services contacts.
I. During regular business hours (between 8:30 AM and 5:00 PM PST), First Notice of Claim should be reported to Alliant Insurance Services via telephone, fax, mail or e-mail to our San Francisco Office:
Robert A. Frey, RPA Diana L. Walizada, AIC, CPIW, RPA, AINS Senior Vice President,
Regional Claims Director
Vice President, Claims Unit Manager
Voice: (415) 403-1445 Voice:(415)403-1453
Email: [email protected] Email: [email protected]
Address: Alliant Insurance Services, Inc.
560 Mission Street, 6th Floor
San Francisco CA 94105
Toll Free Voice: (877) 725-7695 Fax: (415) 403-1466
II. Please be sure to include APIP’s Claim Administrator as a CC on all Claims correspondence:
Sandra Doig
McLaren’s Global Claims Services
Address: 18100 Von Karman Avenue, 10th Floor
Irvine, CA 92612
Voice: (949) 757-1413 Fax: (949) 757-1692
Email: [email protected]
III. Cyber Liability Carrier Beazley NY needs to also be provided with Notice of Claim immediately (if purchased):
Beazley Group
Address: 45 Rockefeller Plaza, 16th Floor
New York, NY 10111
Toll Free 24-Hour Hotline: (866) 567-8570
Email: [email protected]
Donna Peterson, E-mail: [email protected]
Address: 560 Mission Street, 6th Floor
San Francisco, CA 94105
Voice: (415) 403-1458 Fax: (415) 403-1466
IV. Pollution Liability Carrier Ironshore Specialty Insurance Company (if purchased):
Ironshore Environmental Claims CSO
Address: 28 Liberty Street, 5th Floor
New York, NY 10005
In emergency call: (888) 292-0249
Fax: (646) 826-6601
Email: [email protected]
Akbar Sharif
Claims Advocate
Address: 18100 Von Karman Avenue, 10th Floor
Irvine, CA 92612
Voice: (949) 260-5088 Fax: (415) 403-1466
Email: [email protected]
Please include the Insured /JPA name along with the following information when reporting claims:
▪ Time, date and specific location of property damaged
▪ A description of the incident that caused the damage (such as fire, theft or water damage) ▪ Estimated amount of loss in dollars
▪ Contact person for claim including name, title, voice & fax numbers ▪ Complete and return the Property Loss Notice for processing. ▪ Mortgagee or Loss Payee name, address, and account number 56 APIP Claims Reporting Acknowledgement(s) Receipt Form The Claims Reporting Forms are being included with your packet to ensure claims reporting procedures are known and available for future reference. Please review the information. We ask that you share these critical documents with all members of your team (and Pool Members and their staffs where applicable.)
We request that you review the items indicated as attached, then complete the bottom portion, sign and submit to your Alliant Insurance Services representative either by a scanned e-mail or mail to have it be included in your insurance records.
APIP Property Claims Reporting
Cyber Claims Reporting (this is a claims made and reported policy) if coverage is purchased
Pollution Liability Claims Reporting (this is a claims made and reported policy) if coverage is purchased
Acknowledgement for Claims reporting procedures under Alliant Property Insurance Programs In effect: July 1, 2026 until further notice
I have read and been informed about these separate reporting requirements under the coverage parts that apply to our entity as indicated above and provided through APIP by Alliant.
Insured Entity Name: City of Torrance
X
Signature of Authorized Insured Representative
Title Date
Print / Type Insured Representative Full Name:
57 Applicable in Arizona
For your protection, Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
Applicable in Arkansas, Delaware, District of Columbia, Kentucky, Louisiana, Maine, Michigan, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, Tennessee, Texas, Virginia and West Virginia
Any person who knowingly and with intent to defraud any insurance company or another person, files a statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact, material thereto, commits a fraudulent insurance act, which is a crime, subject to criminal prosecution and [NY: substantial] civil penalties. In DC, LA, ME, TN and VA, insurance benefits may also be denied.
Applicable in California
For your protection, California law requires the following to appear on this form: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Applicable in Colorado
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Applicable in Florida and Idaho
Any person who Knowingly and with the intent to injure, Defraud, or Deceive any Insurance Company Files a Statement of Claim Containing any False, Incomplete or Misleading information is Guilty of a Felony.* * In Florida - Third Degree Felony
Applicable in Hawaii
For your protection, Hawaii law requires you to be informed that presenting a fraudulent claim for payment of a loss or benefit is a crime punishable by fines or imprisonment, or both.
Applicable in Indiana
A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.
Applicable in Minnesota
A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.
Applicable in Nevada
Pursuant to NRS 686A.291, any person who knowingly and willfully files a statement of claim that contains any false, incomplete or misleading information concerning a material fact is guilty of a felony.
Applicable in New Hampshire
Any person who, with purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
Applicable in Ohio
Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Applicable in Oklahoma
WARNING: Any person who knowingly and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
ACORD 1 (2006/02)
58 IN THE EVENT OF A
PROPERTY LOSS:
1) Follow your organization procedures for reporting and responding to an incident 2) Alert local emergency authorities, as appropriate
3) Report the incident to Alliant Insurance Services immediately at:
877-725-7695
All property losses must be reported as soon as
practicable upon knowledge within the risk management or finance division of the insured that a loss has occurred.
Be prepared to give basic information about the location and nature of the incident, as well as steps which have been taken in response to the incident. 4) Report the incident to McLarens Global Claims Services AND your Alliant representative
59 PROPERTY FIRST NOTICE OF LOSS FORM
SEND TO: Alliant Insurance Services, Inc.
BY MAIL: 560 Mission Street, 6th Floor, San Francisco, CA 94105 BY FAX: (415) 403-1466
BY EMAIL: [email protected] AND [email protected]
Carbon Copy APIP Claims Administrator: [email protected] and your Alliant representative
Today’s Date: _________________
Type of Claim: (check all that apply)
Insured’s Name & Contact Information
Insured’s Name: Point of Contact:
Address:
Phone #: Email Address:
Broker/Agent’s Name & Contact Information
Company Name: Alliant Insurance Services - Claims Point of Contact: Robert A. Frey & Diana L. Walizada Address: 560 Mission Street, 6th Floor, San Francisco, CA 94105________________________________ Phone #: 877-725-7695 Fax #: 415-403-1466
Policy Information
Reference Number:_APIP2026 (Dec 02)________________ Policy Period: July 1, 2026- July 1, 2027 Limits of Liability: _______________per___________agg Self-Insured Retention/Deductible: _____________ Loss Information
Date of Incident/Claim: _____________ Location:__________________________________________________ Description of Loss: ___________________________________________________________________________ _____________________________________________________________________________________________ Please list all attached or enclosed documentation: (check if none provided) __________________________ _________________________________________________________ ____________________________________
Name of Person Completing This Form: Signature:
Per the Master Policy Wording, Section IV General Conditions;
L. NOTICE OF LOSS
In the event of loss or damage insured against under this Policy, the Insured shall give notice thereof to ALLIANT INSURANCE SERVICES, INC., 560 Mission Street, 6th Floor, San Francisco, CA 94105.
TEL NO. (877) 725-7695, FAX NO. (415) 403-1466 of such loss. Such notice is to be made as soon as practicable after the inception of loss.
Real Property Vehicles
Personal Property Other 60 IN THE EVENT OF A
CYBER LOSS:
1) Follow your organizations procedures for reporting and responding to an incident
2) Alert authorities, as appropriate
3) Report the incident to Beazley Group immediately at:
(866)567-8570
All Cyber losses must be reported as soon as practicable upon knowledge by the insured that a loss has occurred.
Be prepared to give basic information about the location and nature of the incident, as well as steps which have been taken in response to the incident.
4) Report the incident to Alliant Claims Department and your Alliant representative
SPECIAL NOTE REGARDING PRIVACY NOTIFICATION COSTS:
The policy provides a $500,000 Aggregate Limit for Privacy Notification Costs. If you utilize a Beazley vendor, the limit is increased to $1,000,000.
Please contact Beazley for a list of approved vendors.
61 CYBER FIRST NOTICE OF LOSS FORM
Today’s Date:
Insured’s Name & Contact Information
Insured’s Name: Point of Contact:
Address:
Phone #: Email Address:
Broker/Agent’s Name & Contact Information
Company Name: Alliant Insurance Services – Claims Point of Contact: Donna Peterson
Address: 560 Mission Street, 6th Floor, San Francisco, CA 94105
Phone #: 877-725-7695 Fax #:415-403-1466
Policy Information
Policy Number: Policy Period: July 1, 2026- July 1, 2027
Limits of Liability: per agg Self-Insured Retention/Deductible
Loss Information
Date of Incident/Claim: Location:
Description of Loss:
Please list all attached or enclosed documentation: (check if none provided)
Name of Person Completing This Form: Signature:
SEND TO: Beazley Group
BY MAIL: 45 Rockefeller Plaza, 16th Floor, New York, NY 10111 BY FAX: (546) 378-4039
BY EMAIL: [email protected]
CC Alliant Claims Department:
[email protected] and your Alliant representative
BY EMAIL: [email protected]
CC Alliant Claims Department: [email protected] AND [email protected] And your Alliant representative
62 A. NOTICE OF CLAIM, LOSS OR CIRCUMSTANCE THAT MIGHT LEAD TO A CLAIM
1. If any Claim is made against the Insured, the Insured shall, as soon as practicable upon knowledge by the Insured, forward to the Underwriters through persons named in Item 9.A. of the Declarations written notice of such Claim in the form of a telecopy, or express or certified mail together with every demand, notice, summons or other process received by the Insured or the Insured’s representative; provided that with regard to coverage provided under Insuring Agreements I.A. and I.C., all Claims made against any Insured must be reported no later than the end of the Policy Period, in accordance with the requirements of the Optional Extension Period (if applicable), or within thirty (30) days after the expiration date of the Policy Period in the case of Claims first made against the Insured during the last thirty (30) days of the Policy Period.
2. With respect to Insuring Agreement I.B. for a legal obligation to comply with a Breach Notice Law because of an incident (or reasonably suspected incident) described in Insuring Clause I.A.1 or I.A.2, such incident or reasonably suspected incident must be reported as soon as practicable during the Policy Period after discovery by the Insured. For such incidents or suspected incidents discovered by the Insured within 60 days prior to expiration of the Policy, such incident shall be reported as soon as practicable, but in no event later than 60 days after the end the Policy Period, provided; if this Policy is renewed by Underwriters and covered Privacy Notification Costs are incurred because of such incident or suspected incident reported during the 60 day post Policy Period reporting period, then any subsequent Claim arising out of such incident or suspected incident is deemed to have been made during the Policy Period.
3. With respect to Insuring Agreements I.A. and I.C., if during the Policy Period, the Insured first becomes aware of any circumstance that could reasonably be the basis for a Claim it may give written notice to Underwriters in the form of a telecopy, or express or certified mail through persons named in Item 9.A. of the Declarations as soon as practicable during the Policy Period of:
a. the specific details of the act, error, omission, or Security Breach that could reasonably be the basis for a Claim;
b. the injury or damage which may result or has resulted from the circumstance; and c. the facts by which the Insured first became aware of the act, error, omission or Security Breach
Any subsequent Claim made against the Insured arising out of such circumstance which is the subject of the written notice will be deemed to have been made at the time written notice complying with the above requirements was first given to the Underwriters.
4. A Claim or legal obligation under section X.A.1 or X.A.2 above shall be considered to be reported to the Underwriters when written notice is first received by Underwriters in the form of a telecopy, or express or certified mail or email through persons named in Item 9.A. of the Declarations of the Claim or legal obligation, or of an act, error, or omission, which could reasonably be expected to give rise to a Claim if provided in compliance with sub-paragraph X.A.3. above.
63 POLLUTION LIABILITY
IN THE EVENT OF AN
ENVIRONMENTAL EMERGENCY:
1) Follow your organization procedures for reporting and responding to an incident
2) Alert local emergency authorities, as appropriate
3) Report the incident immediately at:
888-292-0249
4] Report the incident to Alliant
Akbar Sharif
Claims Advocate
949-260-5088
415-403-1466 – fax
[email protected]
Be prepared to give basic information about the location and nature of the incident, as well as steps which have been taken in response to the incident.
DO follow your organization’s detailed response plan
DO contact your management as well as appropriate authorities DO ensure anyone who could come in contact with a spill or release is kept away
DO NOT ignore a potential spill or leak
DO NOT attempt to respond beyond your level of training or certification
64 Today’s Date:
Notice of: (check all that apply)
Pollution Incident Potential Claim Other
Third-Party Claim Litigation Initiated
Insured’s Name & Contact Information
Company Name: Point of Contact:
Address:
Phone #: Email Address:
Broker/Agent’s Name & Contact Information
Company Name: Alliant Insurance Services - Claims Point of Contact: Akbar Sharif Address: 18100 Von Karman Ave., 10th Floor, Irvine, CA 92612 Phone #: 949-260-5088
Policy Information
Policy Number: Policy Period: July 1, 2026- July 1, 2027 Limits of Liability: per agg. Self-Insured Retention/Deductible Loss Information
Date of Incident/Claim: Location:
Claimant Name/Address:
Description of Loss:
Please list all attached or enclosed documentation: (check if none provided)
Name of Person Completing This Form: Signature:
SEND TO: IRONSHORE ENVIRONMENTAL CLAIMS CSO
BY MAIL: 28 Liberty Street, 5th Floor, New York, NY 10005 BY PHONE: (888) 292-0249
BY FAX: (646) 826-6601
BY EMAIL: [email protected]
CC Alliant Insurance: [email protected] and your Alliant Representative
65 IMPORTANT NOTICE:
1. The insurance policy that you are applying to purchase is being issued by an insurer that is not licensed by the State of California.
These companies are called “nonadmitted” or “surplus line” insurers.
2. The insurer is not subject to the financial solvency regulation and enforcement that apply to California licensed insurers.
3. The insurer does not participate in any of the insurance guarantee funds created by California law. Therefore, these funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised.
4. The insurer should be licensed either as a foreign insurer in another state in the United States or as a non-United States (alien) insurer.
You should ask questions of your insurance agent, broker, or “surplus line” broker or contact the California Department of Insurance at the toll-free number 1-800-927-4357 or internet website
www.insurance.ca.gov. Ask whether or not the insurer is licensed as a foreign or non-United States (alien) insurer and for additional information about the insurer. You may also visit the NAIC’s internet website at www.naic.org. The NAIC—the National Association of Insurance Commissioners—is the regulatory support organization created and governed by the chief insurance regulators in the United States.
5. Foreign insurers should be licensed by a state in the United States and you may contact that state’s department of insurance to obtain more information about that insurer. You can find a link to each state from this NAIC internet website:
https://naic.org/state_web_map.htm.
6. For non-United States (alien) insurers, the insurer should be licensed by a country outside of the United States and should be on the NAIC’s International Insurers Department (IID) listing of approved nonadmitted non-United States insurers. Ask your agent, broker, or “surplus line” broker to obtain more information about that insurer.
7. California maintains a “List of Approved Surplus Line Insurers (LASLI).” Ask your agent or broker if the insurer is on that list, or view 66 that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07- lasli/lasli.cfm.
8. If you, as the applicant, required that the insurance policy you have purchased be effective immediately, either because existing coverage was going to lapse within two business days or because you were required to have coverage within two business days, and you did not receive this disclosure form and a request for your signature until after coverage became effective, you have the right to cancel this policy within five days of receiving this disclosure. If you cancel coverage, the premium will be prorated and any broker’s fee charged for this insurance will be returned to you.
Date: ___________________
Insured:___________________
(Authorized Signature)
D-1 (Effective January 1, 2020)
67 Last Updated: May 2022 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 1
ALLIANT INSURANCE SERVICES
POLICYHOLDER DISCLOSURE
NOTICE OF TERRORISM
INSURANCE COVERAGE
June 11, 2026
Named Insured: City of Torrance
We are required to send you this notice pursuant to federal legislation concerning terrorism insurance. The below is for TRIA coverage as issued by the United States of America and is not tied to or representative of the Terrorism coverage offered in our property insurance program.
You are hereby notified that under the Terrorism Risk Insurance Act, as amended, you have a right to purchase insurance coverage for losses resulting from acts of terrorism. As defined in Section 102(1) of the Act : The term “act of terrorism” means any act or acts that are certified by the Secretary of the Treasury—in consultation with the Secretary of Homeland Security, and the Attorney General of the United States—to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.
YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES
RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY
REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA, THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 80% BEGINNING ON JANUARY 1, 2020, OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY
ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES
NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT.
YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS’ LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION.
IF THE AGGREGATE INSURE D LOSSES FOR ALL INSURERS EXCEED $100 BILLION, YOUR COVERAGE MAY BE REDUCED.
THE PREMIUM CHARGED FOR THIS COVERAGE CAN BE REQUESTED BELOW AND WILL NOT
INCLUDE ANY CHARGES FOR THE PORTION OF LOSS COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT.
68 Last Updated: May 2022 Alliant Insurance Services, Inc. | www.alliant.com | CA License No. 0C36861 Page 2
SELECTION OR REJECTION OF THE TERRORISM RISK INSURANCE ACT, as AMENDED (A.K.A.: TRIA, TRIEA, TRIPRA, TRIP OR TRIPA. We refer to these collectively as “TRIA”.)
THIS COVERAGE IS OUTSIDE OF THE PROGRAM’S TERRORISM COVERAGES AND LIMITS. IT IS PROVIDED AND OVERSEEN BY THE U.S. GOVERNMENT.
THIS COVERAGE IS CONSIDERED RESTRICTIVE COMPARED TO THE APIP TERRORISM LIMITS AND COVERAGES AVAILABLE. THIS ACT DOES NOT FOLLOW OUR PROGRAM’S TERRORISM POLICIES.
HOWEVER, IF YOU’D LIKE A QUOTE FOR TRIA COVERAGE, PLEASE CHECK THE “I AM INTERESTED” BOX. OTHERWISE, PLEASE CHECK THE “DECLINE” BOX. YOUR SIGNATURE FOR CONFIRMATION OF RECEIPT IS REQUIRED. ANY QUESTIONS PLEASE CALL YOUR ALLIANT SERVICE TEAM MEMBER.
I am interested in receiving a quote for Terrorism Risk Insurance Act coverage as required by law to be offered under the last amended Act. Please provide a quote.
I hereby decline to purchase Terrorism Risk Insurance Act coverage as required by law to be offered under the last amended Act.
_____________________________________________________
Policyholder/applicant signature
______________________________________________________ ___________ Print Name Date
City of Torrance
69 Alliant Insurance Services Inc.
APIP INVOICE
NAMED INSURED:
City of Torrance
INVOICE DATE: June 11, 2026
PAYMENT DUE DATE: July 23, 2026
CUSTOMER NUMBER: TORRANC-02
EFFECTIVE DATE: July 1, 2026
TOTAL INVOICE DUE AT THIS TIME: $ 935,458.33
INSURANCE CO: Various INVOICE NUMBER: 10187389 Reference #: APIP2026 (Dec 02) 0043
Total Property Premium:
Total Pollution Premium:
Total Cyber Premium:
Total Boiler & Machinery Premium:
ABS Fee:
Estimated SLT&F:
Broker Fee:
$ 874,344.00
$ 4,970.00
$ 15,751.00
$ 4,851.00
$ 6,925.00
$ 28,617.33
$ 0.00
TOTAL DUE AT THIS TIME: $ 935,458.33
Total Due includes Premiums, Taxes and Fees where applicable. The Cyber Enhancement premium, should you have elected to purchase this coverage, is not included as part of this invoice.
Please return a copy of the invoice with your payment. Premiums are due and payable upon receipt of this invoice but no later than 30 days of Binding. If payment is not received by the due date, policies may be subject to cancellation.
Alliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including the types of income tha t Alliant may earn on a placement, are available at www.alliant.com. For a copy of our policy or for any inquiries regarding compensation issues pertaining to your account contact us at: Alliant Insurance Services, Inc. Attention: General Counsel, 701 B Street, 6th Floor, San Diego, CA 92101.
The Foreign Account Tax Compliance Act (FATCA) requires the notification of certain financial accounts to the United States Internal Revenue Service. Alliant does not provide tax advice so please contact your tax consultant for your obligation regarding FATCA.
Coverages, limits, sub-limits, terms and conditions could change. All changes will be advised prior to binding and accompany the Binder Confirmation for July 1, 2026 bound terms.
70 Important Notice of Remittance
Payment Address
We have implemented lockbox deposit services with our Bank.
Please use to avoid delays in processing your payments.
Effective immediately, please mail all future checks along with your remittance detail invoice to the following:
Standard Mail Remittance Address:
AIS Trust Account Newport
P.O. Box 744963
Los Angeles, CA 90074-4963
Overnight/Courier Remittance Address:
Bank of America Lockbox Services
Lockbox 744963
2706 Media Center Drive
Los Angeles, CA 90065-1733
ACH/WIRE PAYMENTS
Bank of America
Alliant Insurance Services Trust Account
Account Number: 1453355421
ACH Routing Number: 122000661
Wire Routing: Number: 026009593
SWIFT: BOFAUS3N (US Domestic)
SWIFT: BOFAUS6S (Foreign Currency)
ACH/Wire Reference: Include your ten-digit Client Account Number and Invoice Number (both can be found at the top right of this invoice) E-mail remittances to [email protected]
Pay your Invoice via ACH using AlliantPay: https://billpay.alliant.com
71 PROPERTY INSURANCE
PROGRAM FOR PUBLIC
ENTITIES
PUBLIC ENTITY
The property public entities oversee are incredibly
diverse and complex. Because of this, Alliant
created the
Alliant Property
Insurance
Program
(APIP) to give public entities across the country
access to thoughtful insurance solutions and price
stability through APIP’s group purchasing power.
This strength
is
fueled
by
APIP’
s
nearly
10,000
covered entities in 36 states and $684 billion in
total insurance values (TIV). APIP
is among the
largest property placements worldwide.
This strength is fueled by APIP’s
nearly 10,000 covered entities
in 3
6 states and $ 684 billion
in total insurance values (TIV).
Exclusive price controls, innovative program
design, and r esponsive service APIP coverage
is significantly broader and typically 10% to 20%
less expensive than similar placements offered
by competitors. The program offers per
occurrence
limits
up
to
$1
.25
billion.
APIP’s size gives insureds competitive pricing
and
access
to large earthquake, flood, and wind
limits with a carefully managed spread of risk.
In addition, APIP insureds can count on getting
their claims paid in a timely manner. Highly rated
global insurers and reinsurers with minimum AM
Best rating of A- category VII provide coverage
that includes:
an insurable nature both real and personal of the
insured
• Coverage for property of others in the care,
custody, or control of the insured for which the
insured is liable wherever located in the United
States
• Replacement costs for physical damage, including
comprehensive and collision damage as an option
for automobiles
• Automatic acquisition of new locations which
allows entities to grow without having to wait for
underwriting approval
• Blanket fine arts coverage (if scheduled)
• Municipal bond and tax revenue interruption
coverage
• Course of construction coverage including delay
in start-up
• Property appraisals for all real property over $5
million
• Boiler and machinery coverage
• Access to Alliant’s proprietary Alliant Connect
software system, the program provides property
schedules, claims, vendor certificates, and places
certificate requests online. It allows clients to
update their property locations, report a claim, or
request a certificate of insurance.
www.alliant.com | Alliant Insurance Services, Inc. © 2019 Alliant Insurance Services, Inc. All rights reserved. • Per occurrence limits up to $1 .25 billion
• Broad insuring agreements
• Coverage for all property of every description of
72 Coverage for Boiler and Machinery
APIP includes coverage for boilers and machinery
with limits up to $100 million. Established boiler
and machinery authorized inspection agencies
ar
e used for both jurisdictional and consultative
services. This ensures you receive board-certified
engineering expertise in machiner y
, equipment,
elec¬tronics, and H V
AC through a nationwide
field network.
T
o manage a wide range o
f critical exposures, the
program also provides our clients with electrical
loss prevention surveys, infrared thermograph y
,
industry and technical consultation, a key account
service plan, transformer oil gas analysis, boiler
operation and maintenance training, and boiler
and pressur
e vessel inspection services for non-
code vessels (and vessels located in jurisdictions
that do not require inspections).
Environmental Risk Coverage
Our team of dedicated underwriters has
exten¬sive experience in environmental risk and
a strong understanding of the unique needs
of public entities. T
o protect your organization
from the catastr
ophic impacts environmental
liabilities can have on the physical and
financial infrastructure of an organiza¬tion, APIP
insureds receive first and third party pollution
protection against the broad range of
environmental risks facing public entities.
This coverage includes premises, covered
operations, transporta¬tion, bodily injury/
property damage from pollution conditions,
pollution clean-up, mold, and both
above-ground storage tanks (ASTs) and
underground storage tanks (USTs)coverage.
Cyber Risk Coverage
Cyber liability looms larger than ever and coverage
against it is essential to protect the health of your
organization. As an APIP insureds
, our cyber risk
specialists will help you assess expo¬sures that
threaten your organization, and deliver first and
third party coverage to match your risk profile to
shield your agency from the ever-changing world of
technology-related risks.
www.alliant.com | Alliant Insurance Services, Inc. © 2019 Alliant Insurance Services, Inc. All rights reserved.
ABOUT ALLIANT INSURANCE SERVICES
Alliant Insurance Services is one of the nation’s leading and fastest growing distributors of diversified insurance products and services. In the face of increasing complexity, our approach is simple: bring on the best people and invest more deeply in the industries and clients we serve. We operate through a network of specialized national platforms and regional offices to offer a comprehensive portfolio of services to our clients. Our goal is to ensure that they get the most innovative products—and the most innovative thinking—in the industry.
www.alliant.com
The Alliant Advantage
The Alliant public entity team is comprised of
150 professionals with targeted expertise
servicing a broad range of public entities
throughout the U.S. We ensure that our
clients have access to time-tested expertise and
powerful risk resources regardless of
location.
73 Risk Control and
Safety Services
Helping public entities take a stand
against the unexpected
74 Comprehensive Risk Assessment
• Loss analysis
• Operational assessment
• Stakeholder interviews
• Risk impact modeling
• Contract review
• Strategic planning
Critical Success Factors
• Personalize critical success factors
• Develop dashboard tools
• Align solutions with operational
and risk goals
• Enterprise risk management
Implement Solutions
• Fire and life safety
• Casualty and workers’
compensation
• Regulatory compliance
• Environmental
• Ergonomics and IH
• Fleet safety
• Behavioral safety
Monitor Results
• Monitor and adjust solutions
• Quantify value of outcomes
• Communicate success and
improvement opportunities
• A nationwide network of highly experienced
consultants who understand the risks and
regulatory climate of your particular market.
• Risk professionals averaging 15 years of
experience with a range of certifications
and credentials.
• Alliant’s extensive library of educational
materials, safety resources, and webinars.
• The power and resources of one of the
nation’s largest specialty insurance and risk
management organizations.
• Time-tested methods and expertise that
consistently yield lower loss ratios, and in
turn, lower insurance costs.
• People who understand your business,
its risks, and how they affect your
long-term success.
Get the “Big Picture” on Risk Control
We believe that effective risk control is not simply a series of tactics but a hub of interconnected strategies bound together by an ambitious, “big picture” perspective. To achieve this, we combine the following best-in-class services tailored for each of our clients.
Power Through Prevention
Our mission is simple. We aim to prevent costly accidents and losses before they can play havoc with your organization. Underlying this commitment is an extensive infrastructure of people, ideas, and resources, all working together to protect your organization. When you work with Alliant, you unlock access to:
In the public sector, the possibility of an accident or loss always looms large. Unannounced and indiscriminate, these incidents can unleash a wave of lost productivity, damaged property, and significant legal and medical expenses that can impact your organization for years.
It’s true, these incidents happen all the time. But do they have to? Alliant works hand-in-hand with public entities across the nation, delivering meticulous analysis and actionable strategies that reduce costly accidents and losses. We’ll leverage the full strength of our technological and intellectual resources to deliver sophisticated solutions that enhance safety, increase productivity, and reduce insurance costs.
75 • On-site hazard/risk assessments:
We perform an in-depth audit of your
organization, identifying key areas of liability
exposure, followed by detailed findings
and recommendations.
• Ergonomics: To help reduce workers’
compensation costs, we provide engineering
and administrative solutions that address core
ergonomic issues; then we work with your team
to build a self-sustaining risk improvement
process through workplace studies, office
evaluations, and ongoing training and education.
• Industrial hygiene: Our consultants will
anticipate, identify, evaluate, and recommend
control strategies for chemical or biological
hazards that may cause work-related illnesses.
• Fleet safety analysis: Our research-based
transportation safety programs include full
safety assessments, fleet training, accident
investigation, and other regulatory audits.
• General liability: We help to prevent accidents,
reduce injuries, and control insurance costs by
pinpointing and mitigating risk to the public.
• Training services: Knowledge is power, and
we offer a full range of educational resources
customized for your organization. This includes
a high-impact webinar series.
• Fire system evaluation: We analyze the
adequacy of your system and then provide
recommendations for ongoing maintenance
and testing.
• Risk assessment: We quantify your exposures
by providing C.O.P.E. (construction, occupancy,
protection, and exposure) along with natural
catastrophe data, risk quality ratings,
recommendations, and facility programs.
• Loss estimates: Our team can provide
customized estimates that cover machinery,
equipment, earthquake, wind, or flood in
probable maximum loss (PML) and maximum
feasible loss (MFL) formats.
• Business interruption analysis and continuity
planning:
We assist you in assessing the
risk of a disaster on company operations
and identifying its potential impact on your
business, suppliers, and customers; and
provide a disaster action plan.
• Infrared and ultrasonic testing: These
important tests detect electrical problems
and other critical loss exposures using highly
sophisticated diagnostic technologies to
prevent unscheduled maintenance, reduce
operational interruptions, and improve
energy usage.
• Risk management center: This web-based
risk reduction platform allows you to reduce
risk and enable employee safety by creating
an effective human resources and risk
management program.
Key Services
It’s Your Choice. And It’s an Important One.
Your charge is twofold: to protect your organization and secure its success. Working with a risk consultant can help you achieve both of these objectives, but you must choose the right partner for your organization.
How to find the right fit? Make sure your consultant has:
These exemplify the Alliant approach to risk control and guide all of our actions as we seek to protect our clients from ever-shifting risks.
• In-depth experience handling risks in
your industry.
• Vast resources at their disposal and the
availability to handle the job when and how
you need it.
• The courage to tell you what you need to
know, not what you want to hear.
• The support of a team of experts to assist in
areas like regulatory citation, claims handling,
and litigation.
76 All training sessions begin at 10:am PT and are approximately 60 minutes. Questions? Contact us at [email protected]
202 6-27 RISK CONTROL TRAINING SERIES
Alliant Property Insurance Program
Alliant’s goal is aimed at educating our clients in protection and occupational safety and health. Our new series is offered to all clients at no additional cost. Click on the title to register.
DATE
WEBINAR TITLE - DETAILS
August 12, 2026
Civil Unrest and Property Protection – How preparing your property protection plan can help reduce negative outcomes
Civil unrest can put your properties at risk if you are not prepared. A strong property protection plan can help reduce damage and limit disruption when events escalate. In this webinar, we will walk through practical and proactive steps to strengthen your plan and better protect your assets during periods of unres t.
September 9, 2026
Artificial Intelligence in Environmental Health & Safety
Artificial Intelligence is rapidly reshaping Environmental Health and Safety. In this webinar, we cut through the hype to explore how AI can predict risks, enhance workplace safety, and simplify compliance, while also looking at the real-world challenges, from data quality issues to privacy concerns and over-reliance on automation. Join us for a balanced and practical conversation about how to use AI responsibly to drive smarter decisions, safer workplaces, and sustainable results.
October 14, 2026
The Value of Drone Technology in Property Inspections
Drone technology is transforming inspections by delivering faster results while significantly improving safety. What once required time-consuming, high-risk roof and building assessments can now be done efficiently from the ground. Its value extends well beyond inspections. Drones are increasingly used across property management for stormwater monitoring, erosion assessment, and wildfire risk management, expanding both visibility and control.
Hear how industry experts are advancing drone technology and inte grating it into everyday operations.
November 12, 2026
Wildfire
Alliant has partnered with Guardian Ember Defense to advance innovative wildfire mitigation strategies. In this webcast, we break down our approach and sit down with seasoned wildfire professionals who bring more than 30 years of frontline experience battling wildfires across Canada. Join the conversation to gain re al-world insight into what works, what is changing, and how to better prepare for growing wildfire risk.
December 9, 2026
FEMA: Responding to Cat 4/5
Planning for a catastrophe can be the critical difference in a successful recovery and resuming operations following an event. Navigating FEMA regulations, guidelines and documentation is complex. We will break it down for you and shine some light on what can be a daunting experience.
January 13, 2027
The Importance of High-Frequency Building Inspections and Why You Are NOT Doing Them .
Relying on compliance-driven inspection policies can leave critical shortfalls when it comes to protecting your property. Learn how to incorporate higher-frequency building inspections into already existing maintenance programs, or how to build your own high-frequency inspection program from your existing personnel resources! February 10, 2027
Property Protection through Proactive Care
Alliant conducts hundreds of property loss control surveys each year, giving us a strong view of where risks show up and where things are often missed. In this webcast, specialists from our Property Risk Control team share what they see in the field and what it means for your organization. They’ll cover the key pieces of a comprehensive property conservation plan and highlight the details that are often overlooked.
March 10, 2027
Managing Your Construction Site
We’ll be interviewing a construction specialist on common substandard practices and processes in project findings of owner-controlled construction projects.
May 12, 2027
Have you considered the thermal runaway exposure at your campus? Have you considered the risk of thermal runaway on your campus? Join us for a closer look at both the obvious and often overlooked exposures that exist across modern campuses today. We’ll cover where these risks tend to surface, why they are frequently missed, and what steps you can take to better identify and manage them.
June 9, 2027
Business Continuity: Why you need to plan contingencies and the impact of not having one
Business continuity planning is not optional. Without a clear plan in place, even minor disruptions can turn into major setbacks. A strong COOP keeps operations moving and reduces the impact of unexpected events. This webcast breaks down why contingency planning matters, what’s at risk without it, and how to start building a practical, comprehensive plan. Join us for practical takeaways to strengthen preparedness, reduce disruption, and keep operations running smoothly.
77 CA License No. 0C36861
© 2021 Alliant Insurance Services, Inc. [200708]
Tim Leech, CSP, ARM
First Vice President
Risk Control Consulting
(949) 260-5008
[email protected]
About Alliant Insurance Services
Alliant Insurance Services is one of the nation’s leading and fastest growing distributors of diversified insurance products and services. In the face of increasing complexity, our approach is simple: bring on the best people and invest more deeply in the industries and clients we serve. We operate through a network of specialized national platforms and regional offices to offer a comprehensive portfolio of services to our clients. Our goal is to ensure that they get the most innovative products—and innovative thinking—in the industry. alliant.com
78 AFTER A PROPERTY LOSS YOU DON’T NEED ANOTHER
UNPLEASANT SURPRISE
Suffering a property loss is bad enough without discovering the property was under- valued and you won’t recover enough to replace or restore it. The reason for your dilemma: an inaccurate or poorly documented appraisal of the property that created a false sense of security that you were fully covered for the loss.
Appraisal Services
79 CONTACT
Lora Carlisle
Appraisal Manager
949 260 5033
[email protected]
COMMERCIAL APPRAISALS
The depth and diversity of our commercial
appraisal knowledge and experience set
Alliant Appraisal Services apart from other
consultants. Besides our own vast knowl-
edge base, we are able to capitalize on our
access to Alliant’s vast nationwide appraisal
and cost databases to meet specialized
appraisal needs for nearly every type of
commercial client.
In addition to appraising income-producing
real property—including industrial, office,
multifamily, and commercial—we have
exten sive expertise in appraising such
unique assets as medical facilities, entertain-
ment venues, hospitality sites, construction
equipment, and power generation plants, to
name only a few.
PUBLIC ENTITY APPRAISALS
Establishing accurate replacement values
for such public sector assets as infra-
structure, public facilities, and specialized
equipment requires extensive knowledge of
both the type of public entity and type of
property. Among the unique public assets
we appraise are water distribution systems,
sewage treatment facilities, power genera-
tion plants, medical treatment facilities,
school gymnasiums, fire-fighting equipment,
communication towers, roadways, bridges,
and many others.
Each property valuation is conducted by a
licensed, experienced real estate appraiser
who utilizes valuation techniques that
conform to the federal reporting require-
ments of the Uniform Standards of Profes-
sional Appraisal Practice (USPAP). To ensure
accuracy, all appraisals are submitted for
peer review.
CLIENT BENEFITS
Clients benefit from our appraisals in a
variety of ways, including:
Q Identifying inaccuracies in value based on
occupancy or building characteristics
Q Identifying inaccuracies in square footage,
which impacts value
Q Updating values to include building
additions and renovations and to capture
buildings not previously recorded
Q Flagging demolished, relocated, or out-
of-service structures, thereby reducing
insured value
Q Documenting and updating COPE
(Construction, Occupancy, Protection,
Exposures) data, which may help to
lower premiums
Q Collecting additional data as requested,
including secondary earthquake charac-
teristics and GPS coordinates
If your assets are undervalued, or the values cannot be defended, the replacement costs paid by your insurance carrier will not adequately cover your losses. To ensure that commercial and public sector organizations do not face this kind of unpleasant surprise, Alliant Appraisal Services provides clients with accurate, fully documented appraisals they can trust.
CA License No. 0C36861
© 2014 Alliant Insurance Services, Inc. All rights reserved. [2013-015]
REPORT FORMATS
Our appraisal reports can be customized to
a client’s particular requirements, ranging
from a spreadsheet that summarizes key
data to standalone reports for each asset.
Clients can be confident that our appraisal
reports will be consistent and supported by
reliable market data.
ALLIANT INSURANCE SERVICES:
THE PARTNER YOU DESERVE.
With a history dating back to 1925, Alliant
Insurance Services is one of the nation’s
leading distributors of diversified insurance
products and services. Operating through a
national network of offices, Alliant provides
property and casualty, workers’ compensa-
tion, employee benefits, surety, and financial
products and services to more than 26,000
clients nationwide.
www.alliant.com
Appraisal Services
80 Your business is a dynamic enterprise, moving with speed and agility to meet the ever- changing needs of your clients, employees, and industry. Decisions are made in real time and information must be accessed at a moment’s notice. With AlliantConnect, convenience, security, and service are always at your fingertips and waiting for policy information is never part of the equation.
The power of Alliant at your fingertips
81 CONTACT
Steve Sampiere
Chief Information Officer
619 849 3849
[email protected]
AlliantConnect is a customized online portal providing instant access to all of your insurance information. With its simple interface and intuitive design, you can manage your documents, access informational materials, stay up to date on policy changes, pay premiums, and interact with a service professional. Simply stated, it’s a central hub where you can manage all aspects of your insurance policy.
CA License No. 0C36861
© 2015 Alliant Insurance Services, Inc. All rights reserved. [2013-015] AlliantConnect seamlessly melds the power of
Alliant with the convenience of a secure online
portal by empowering you to:
■■ Access all of your insurance information
via a transparent and easy-to-use online
interface
■■ Manage your documents, including
certificates of insurance, in real time
■■ Learn through a comprehensive library of
fact sheets, white papers, and presentations
■■ Watch training videos designed to help
you better manage risk
■■ Locate a summary of your policy changes
■■ Track important dates and announcements
■■ Pay your premiums quickly and easily
using an integrated payment component
■■ Communicate quickly and easily with
your Alliant service team
PUT YOUR POLICY IN
YOUR POCKET
With AlliantConnect Mobile, your policy
follows you wherever business takes you. You
enjoy 24/7 on-the-go-access to insurance
information in a secure mobile platform
through the following features:
■■ One-click “Help” button that will notify
the entire service team if you experience
an urgent issue
■■ On-demand access to policy documents,
schedules, and endorsements
■■ Offline access to documents once they
are downloaded
■■ Contact information of the entire
service team
YOUR INFORMATION IS
ALWAYS SECURE
With AlliantConnect, you can rest assured
that all your information is secure, including
payment transactions that are protected
with the highest encryption levels possible. In
addition, all data is secured to the appropriate
account teams, our database and all backups
are stored in a highly encrypted format, and
all document changes are archived for audit
history. As a company that insures clients
against cyber risks, Alliant understands the
importance of protecting client information in
an online environment and how to maximize
the security of your information.
REAL PEOPLE,
ALWAYS WITHIN REACH
We believe that technology is only as
successful as the people behind it. This
is why we designed AlliantConnect not
as a means of removing people from the
process, but to bring them closer. In addition
to accessing a service professional via the
online portal, we also offer a toll-free helpline,
where you will have direct access to the
AlliantConnect support team. Simply give
us a call, let us know you are
an AlliantConnect client, and we
will be on the phone to help you get
the most out of your account. AlliantConnect
offers value and convenience by combining
cutting-edge technology, optimum security,
and personal service.
ALLIANT INSURANCE SERVICES:
THE PARTNER YOU DESERVE.
With a history dating back to 1925, Alliant
Insurance Services is one of the nation’s
leading distributors of diversified insurance
products and services. Operating through a
national network of offices, Alliant provides
property and casualty, workers’ compensation,
employee benefits, surety, and financial
products and services to more than 26,000
clients nationwide.
www.alliant.com
With AlliantConnect, you can rest assured that
your information is stored in a secure location.
82 HSB, part of Munich Re, is a
technology-driven company built on
a foundation of specialty insurance,
engineering and technology, all
working together to drive innovation
in a modern world.
HSB:
Y
our Inspections
Provider
Alliant Specialty Insurance Services, Inc.
Update from HSB
Assisting you in completing your inspection in a timely manner As your equipment breakdown insurer, HSB conducts jurisdictional boiler and pressure vessel inspections as required by law. These inspections normally do not require a lot of your time. The inspection is typically visual and requires operating and safety controls testing among other items. We then notify the jurisdiction of our inspection, reducing the need for our customer’s involvement in this process.
Our goal is to proactively ensure your jurisdictional commitments are met on time with minimal involvement on your part other than scheduling these inspections.
Please contact us at 1-800-333-4677 well ahead of your certificate expiration dates to schedule inspections. Once we have your equipment information entered into our database, our inspector or scheduling department may also contact you prior to the due date of the inspection. Depending on the classification of business, we may visit the location unannounced to complete the inspection, minimizing any scheduling inconvenience to your business.
The inspection frequency on the equipment is determined by the jurisdiction.
For example, high-pressure boilers may require a semiannual inspection, low- pressure boilers an annual inspection, and pressure vessels every two, three or five years.
Our inspector completes the inspection and sends the inspection report to the jurisdiction. In most cases, the jurisdiction will issue you the certificate with an expiration date.
83
HSB
One State Street
P.O. Box 5024
Hartford, CT 06102-5024
Tel: (800) 472-1866
hsb.comHSB
Inspection Services
©
2023
The Hartford Steam Boiler Inspection and
Insurance Company. All rights reserved.
01139-CC (revised 4/2023 )
If conditions requiring corrections are
identified, HSB will send a Loss
Prevention Report (LPR) to you. All
Code recommendations must be
completed, and in most cases, a
re-inspection must be completed
before the jurisdiction will issue the
certificate. You must contact our
Inspection Hotline at 1-800-333-4677
to schedule this re-inspection. For all
other recommendation categories
(Advisory, Priority, Critical), the
inspector will follow up with you at the
next scheduled inspection visit. Our
Valley Forge Tech Support Unit may
follow up with you on the status of
Priority and Critical recommendations
shortly after the LPR is sent out.
We encourage you to build a
relationship with your HSB inspector.
Our goal is to form and build lasting
relationships with you, our customer.
Highlights of our service include:
− HSB’s inspection model provides the
utmost in customer service.
− There are over 60 different
jurisdictional laws that affect our
equipment breakdown customers.
− Loss Prevention Reporting is a key
component of our Inspection
Services Model.
− Many dedicated personnel at HSB
you can contact:
· General questions:
www.hsb.com or the
Customer Solutions Center (CSC)
at (800) HSB-1866.
· Two ways to schedule an
inspection: HSB Inspection Hotline
at (800) 333-4677 or e-mail,
NSCINSP [email protected]
.
Please identify yourself as:
−
You are with the APIP
account
−
Your Broker is Alliant
84 5
4 0
5 ATTACHMENT 2
Property Insurance Premium History
Policy
Year* Program Coverage Deductible
Information Premium ($)
2022-2023 Alliant Property
Insurance Policy
(APIP)
• Buildings
• Facilities
• Cyber
• Boiler &
Machinery
$150k
Deductible
$433,656
2023-2024 Alliant Property
Insurance Policy
(APIP)
•Buildings
•Facilities
•Cyber
•Boiler & Machinery
$150k
Deductible
$619,343
2024-2025 Alliant Property
Insurance Policy
(APIP)
•Buildings
•Facilities
•Cyber
•Boiler & Machinery
$150k
Deductible
$678,704
2025-2026 Alliant Property
Insurance Policy
(APIP)
•Buildings
•Facilities
•Cyber
•Boiler & Machinery
$150k
Deductible
$641,687
PROPERTY
•Buildings
•Facilities
•Cyber
•Boiler & Machinery
$150k
Deductible
2026-2027 Alliant Property
Insurance Policy
(APIP)
Includes
Automoblie AUTOMOBILE
• Transit vehicles
• Automobiles
• Contractors
Equip.
Various
depending on
value of vehicle
$935,458.33
85