City Of Visalia
13 Full Program Details
Property - Firem an's Fund Insurance Com pany
Property
Carrier Information Expiring Proposed
Policy Term 7/1/2024 - 7/1/2025 7/1/2025 - 7/1/2026
Carrier Fireman's Fund Insurance Company Fireman's Fund Insurance Company A.M. Best Rating A+ XV A+ XV
Admitted/Non-Admitted Admitted Admitted
Payment Method Agency Bill Agency Bill
Premium & Exposures Expiring Proposed
Premium $511,018.00 $523,983.00
TRIA $12,552.00 $12,971.00
Minimum Type None None
Estimated Cost $523,570.00 $536,954.00
Standard Coverages Expiring Proposed
Blanket - Business Real Property,
Business Personal Property, Business
Income, Extra Expense - Loc.#All
$250,000,000 $250,000,000
Business Income, Extra Expense Sublimit
– Loc #All - $9,999,995
Additional Coverages Expiring Proposed
Business Personal Property Subject to
Sublimits of Insurance :
Accounts Receivable - Loc.# all $500,000 $500,000
Data, Media, Software - Loc.# all $500,000 $500,000
Personal Effects - Loc.# all $500,000 $500,000
Personal Property of Others - Loc.# all $500,000 $500,000 Prototypes - Loc.# all $500,000 $500,000
Research and Development
Documentation - Loc.# all $500,000 $500,000
Valuable Papers and Records - Loc.# all $500,000 $500,000 Consequential Loss Assumption
Coverage - Loc.# all $250,000 $250,000
Contract Penalty Clause Coverage -
Loc.# all $250,000 $250,000
Debris Removal Coverage : -
Debris of Property Insured - Loc.# all $25,000,000 $25,000,000 Debris of Property Owned by Others -
Loc.# all $250,000 $250,000
Extended Warranty Coverage - Loc.# all $250,000 $250,000 Fine Arts Coverage : -
Miscellaneous Unscheduled Fine Arts : -
City Of Visalia
14 Additional Coverages Expiring Proposed
Any One Item, Pair or Set - Loc.# all $10,000 $10,000
Per Occurrence or Loss Event - Loc.# all $100,000 $100,000 Fine Arts While at an Exhibition,
Exposition, Fair, Or Trade Show - Loc.#
all
$50,000 $50,000
Fire Department Service Charge
Coverage - Loc.# all $250,000 $250,000
Fire Equipment Protection Coverage -
Loc.# all $250,000 $250,000
Installation Coverage - Loc.# all $250,000 $250,000
Loss Avoidance or Mitigation Coverage -
Loc.# all $250,000 $250,000
Mobile Communication Equipment
Coverage - Loc.# all $250,000 $250,000
Money and Securities Coverage - Loc.#
all $250,000 $250,000
Money Orders and Counterfeit Currency
Coverage - Loc.# all $250,000 $250,000
Realty Tax Coverage - Loc.# all $250,000 $250,000
Removal of Property Coverage - Loc.# all $250,000 $250,000 Reward Coverage -
Any One Person - Loc.# all $10,000 $10,000
Per Occurrence or Loss Event - Loc.# all $250,000 $250,000 Salesperson's Samples Coverage - Loc.#
all $250,000 $250,000
Tenant's Lease Agreement Coverage -
Loc.# all $250,000 $250,000
Theft of Precious Commodities Coverage
- Loc.# all $250,000 $250,000
Business Income and Extra Expenses : -
Business Access Coverage - Loc.# all $250,000, 1 Mile(s) $250,000, 1 Mile(s) Civil Authority Coverage - Loc.# all $250,000, 1 Mile(s) $250,000, 1 Mile(s) Delayed Occupancy Coverage - Loc.# all $250,000 $250,000 Expediting Expense Coverage - Loc.# all $250,000 $250,000 Extended Business Income and Extra
Expense Coverage -
Business Income Coverage - Loc.# all 365 Day(S) 365 Day(S) Extra Expense Coverage - Loc.# all 365 Day(S) 365 Day(S) Leasehold Interest Coverage - Loc.# all $250,000 $250,000 Research and Development Operations
Coverage - Loc.# all $250,000 $250,000
Tenant Moving Coverage - Loc.# all $250,000 $250,000
Dependent Property Coverage - See Below See Below
Property, Business Income and Extra
Expenses : -
Communicable Disease Coverage -
City Of Visalia
15 Additional Coverages Expiring Proposed
Per Occurrence or Loss Event - Loc.# all $25,000 $25,000 Annual Aggregate - Loc.# all $25,000 $25,000
Fungus Remediation Coverage - Loc.# all $100,000 $100,000 Loss Adjustment Expense Coverage -
Loc.# all $500,000 $500,000
Newly Acquired Location Coverage -
Loc.# all $1,000,000 $1,000,000
Ordinance or Law Coverage - Coverage
a Through E - See Below See Below
Outdoor Trees, Shrubs, Plants, And Lawn
Coverage -
Any One Tree, Shrub, Plant, Or Lawn -
Loc.# all $1,000 $1,000
Per Occurrence or Loss Event - Loc.# all $250,000 $250,000 Pollutant Cleanup Coverage -
Per Occurrence or Loss Event - Loc.# all $500,000 $500,000 Annual Aggregate - Loc.# all $500,000 $500,000
Trade Show Coverage - Loc.# all $100,000 $100,000
Transit Coverage -
Your Vehicles - Loc.# all $100,000 $100,000
Carriers for Hire - Loc.# all $100,000 $100,000
International Air Shipments - Loc.# all $100,000 $100,000 Unintentional Property Errors and
Omissions Coverage - Loc.# all $250,000 $250,000
Unnamed Location Coverage - Loc.# all $250,000 $250,000 Utility Services Coverage - Loc.# all $250,000 $250,000 Ordinance or Law Coverage : -
Coverage a - Loc.# all Included Included
Coverage B & C Blanket - Loc.# all $1,000,000 $1,000,000 Coverage D - Loc.# all $1,000,000 $1,000,000
Coverage E - Loc.# all $1,000,000 $1,000,000
Unscheduled Dependent Property -
Storm, Named Storm, Hurricane : -
Blanket Per Occurrence Limit(S) of
Insurance - $250,000 $250,000
Fire Protection Equipment Leakage from
Earth Movement -
Blanket - Per Loss Event - Loc.# 66, 100-
102, 105, 114-115,118 $50,000,000 $50,000,000
Blanket - Annual Aggregate - Loc.# 66,
100-102, 105, 114-115,118 $50,000,000 $50,000,000
Blanket - Property-Gard Pinnacle - Green
Coverage : - Loc.# all Included Included
Extensions of Coverage :
Green Certification Upgrade Coverage $50,000 $50,000
City Of Visalia
16 Additional Coverages Expiring Proposed
Vegetated Roof and Heat Island Effect
Coverage
Refer to Outdoor Trees, Shrubs, Plants
and Lawns Coverage
Refer to Outdoor Trees, Shrubs, Plants
and Lawns Coverage
Professional Design Consulting Coverage $50,000 $50,000 Commissioning Expense Coverage :
Commissioning or Retro-Commissioning
Services $50,000 $50,000
Test and Balance Analysis $50,000 $50,000
Certification Fees Coverage $50,000 $50,000
Recycling Additional Expense Coverage $50,000 $50,000
Flush-out Coverage $50,000 $50,000
Green Financial Incentive Coverage $50,000 $50,000
Porous Paving Coverage $50,000 $50,000
Green Mobile Equipment Coverage $50,000 $50,000
Miscellaneous Green Property Coverage $50,000 $50,000
Property-Gard Pinnacle - Employee Theft
and Forgery or Alteration Coverage -
Limited :
Employee Theft and Forgery or Alteration
- Limited
Property of Your Client - Inside the
Premises of a Client $10,000 $10,000
Per Occurrence $50,000 $50,000
Annual Aggregate $50,000 $50,000
Equipment Breakdown Coverage Limits
of Insurance : Per Accident
Property Insured $100,000,000 $100,000,000
Business Income Coverage Included Included
Extra Expense Coverage Combined with Business Income Combined with Business Income Expediting Expense Coverage $250,000 $250,000
Hazardous Substance Coverage $250,000 $250,000
Perishable Stock Coverage $250,000 $250,000
Data Restoration Coverage $250,000 $250,000
Service Interruption Coverage $250,000 $250,000
Fungus Remediation Coverage Follows Property Limits of Insurance Follows Property Limits of Insurance Maximum Limit any One Combined Loss $100,000,000 $100,000,000 Property-Gard Pinnacle - Perishable
Stock Coverage :
Per Occurrence or Loss Event Limit -
Loc.# 113 $100,000 $100,000
Annual Aggregate Limit - Loc.# 113 $100,000 $100,000
Property-Gard Pinnacle - Crisis
Management Coverage :
Crisis Event Response Communication
Cost
Per Occurrence or Loss Event $25,000 $25,000
City Of Visalia
17 Additional Coverages Expiring Proposed
Annual Aggregate $25,000 $25,000
Crisis Event Business Income and Extra
Expense Coverage
Per Occurrence or Loss Event $25,000 $25,000
Annual Aggregate $25,000 $25,000
Post Crisis Event Expense Coverage
Per Occurrence or Loss Event $25,000 $25,000
Annual Aggregate $25,000 $25,000
Property-Gard Pinnacle - Municipality
Extension Endorsement :
Commandeered Property Coverage
Per Occurrence or Loss Event $50,000 $50,000
Annual Aggregate $50,000 $50,000
Lost Key Coverage $50,000 $50,000
Extension of Coverage Applicable Only to
Business Income and Extra Expense
Coverage :
Emergency Vacating Expense
Per Occurrence or Loss Event $50,000 $50,000
Annual Aggregate $50,000 $50,000
Forensic Information Technology Review
Coverage Sublimit $5,000 $5,000
Legal Review Coverage Sublimit $5,000 $5,000
Public Relations Services Coverage
Promotion Cost Per any One Affected
Individual $15,000 $15,000
Public Relations Services Coverage
Sublimit $15,000 $15,000
Regulatory Fines and Penalties Coverage
Sublimit $50,000 $50,000
Payment Card Industry Fines and
Penalties Coverage Sublimit $50,000 $50,000
Named Detrimental Code Sublimit $50,000 $50,000
Per Personal Data Compromise Event $50,000 $50,000
Data Compromise Annual Aggregate $50,000 $50,000
Deductibles/SIR Expiring Proposed
Deductible : Property-Gard Pinnacle -
Combined Dollar Deductible - Loc.# All $50,000 $50,000
Deductible : Consequential Loss
Assumption Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Contract Penalty Clause
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Debris Removal Coverage :
Deductible : Debris of Property Owned by
Others - Loc.# All $1,000 $1,000
City Of Visalia
18 Deductibles/SIR Expiring Proposed
Deductible : Extended Warranty
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Fine Arts Coverage :
Deductible : Miscellaneous Unscheduled
Fine Arts :
Deductible : Any One Item, Pair or Set -
Loc.# All Policy Deductible Policy Deductible
Deductible : Per Occurrence or Loss
Event - Loc.# All Policy Deductible Policy Deductible
Deductible : Fine Arts while at an
Exhibition, Exposition, Fair, or Trade
Show - Loc.# All
Policy Deductible Policy Deductible
Deductible : Fire Department Service
Charge Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Installation Coverage - Loc.#
All Policy Deductible Policy Deductible
Deductible : Mobile Communication
Equipment Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Money and Securities
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Money Orders and
Counterfeit Currency Coverage - Loc.#
All
Policy Deductible Policy Deductible
Deductible : Realty Tax Coverage - Loc.#
All Policy Deductible Policy Deductible
Deductible : Reward Coverage :
Deductible : Salesperson's Samples
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Tenant's Lease Agreement
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Theft of Precious
Commodities Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Business Income and Extra
Expenses :
Deductible : Business Access Coverage -
Loc.# All 24 Hour(s) 24 Hour(s)
Deductible : Civil Authority Coverage -
Loc.# All 24 Hour(s) 24 Hour(s)
Deductible : Delayed Occupancy
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Extended Business Income
and Extra Expense Coverage :
Deductible : Leasehold Interest Coverage
- Loc.# All Policy Deductible Policy Deductible
Deductible : Research and Development
Operations Coverage - Loc.# All Policy Deductible Policy Deductible
City Of Visalia
19 Deductibles/SIR Expiring Proposed
Deductible : Tenant Moving Coverage -
Loc.# All Policy Deductible Policy Deductible
Deductible : Dependent Property
Coverage See Below See Below
Deductible : Property, Business Income
and Extra Expenses :
Deductible : Communicable Disease
Coverage :
Deductible : Per Occurrence or Loss
Event - Loc.# All Policy Deductible Policy Deductible
Deductible : Fungus Remediation
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Loss Adjustment Expense
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Newly Acquired Location
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Ordinance or Law Coverage
- Coverage A through E See Below See Below
Deductible : Outdoor Trees, Shrubs,
Plants, and Lawn Coverage :
Deductible : Per Occurrence or Loss
Event - Loc.# All Policy Deductible Policy Deductible
Deductible : Pollutant Cleanup Coverage
:
Deductible : Per Occurrence or Loss
Event - Loc.# All Policy Deductible Policy Deductible
Deductible : Trade Show Coverage -
Loc.# All Policy Deductible Policy Deductible
Deductible : Transit Coverage :
Deductible : Your Vehicles - Loc.# All $1,000 $1,000
Deductible : Carriers for Hire - Loc.# All $1,000 $1,000 Deductible : International Air Shipments -
Loc.# All $1,000 $1,000
Deductible : Unintentional Property Errors
and Omissions Coverage - Loc.# All Policy Deductible Policy Deductible Deductible : Unnamed Location
Coverage - Loc.# All Policy Deductible Policy Deductible Deductible: Unscheduled Dependent
Property : - -
Deductible: Time Element 24 Hour(S) 24 Hour(S)
Deductible: Time Element Minimum
Deductible $50,000 $50,000
Deductible: Fire Protection Equipment
Leakage from Earth Movement : - -
Deductible: Property Damage 5 % - Loc.# 66, 100-102, 105, 114-115, 118
5 % - Loc.# 66, 100-102, 105, 114-115,
118
City Of Visalia
20 Deductibles/SIR Expiring Proposed
Deductible: Property Damage Minimum
Deductible
$50,000 - Loc.# 66, 100-102, 105, 114-
115, 118
$50,000 - Loc.# 66, 100-102, 105, 114-
115, 118
Deductible: Time Element 432 Hour(s) - Loc.# 66, 100-102, 105, 114-115, 118
432 Hour(s) - Loc.# 66, 100-102, 105,
114-115, 118
Deductible: Time Element Minimum
Deductible
$50,000 - Loc.# 66, 100-102, 105, 114-
115, 118
$50,000 - Loc.# 66, 100-102, 105, 114-
115, 118
Deductible: Property-Gard Pinnacle -
Employee Theft and Forgery or Alteration
Coverage - Limited :
- -
Deductible: Property of Your Client -
Inside the Premises of a Client Policy Deductible Policy Deductible Deductible: Per Occurrence $1,000 $1,000
Deductible: Annual Aggregate Policy Deductible Policy Deductible Deductible: Equipment Breakdown
Coverage Deductibles : - -
Deductible: Property Insured - Per
Accident $10,000 $10,000
Deductible: Time Element Loss - Per
Accident 1 Times Adv 1 Times Adv
Deductible: Minimum Time Element
Deductible $50,000 $50,000
Deductible: Property Insured $10,000 $10,000
Deductible: Except Motors,Pumps&Deep
Well Pump Units
$25.00 Per Horsepower, $10,000
Minimum
$25.00 Per Horsepower, $10,000
Minimum
Deductible: Except Ice/Generator Units $40.00 Per Horsepower, $10,000 Minimum
$40.00 Per Horsepower, $10,000
Minimum
Deductible: Time Element Loss 1 Times Adv 1 Times Adv
Deductible: Except Ice/Generator Units 45 Days 45 Days Deductible: Property-Gard Pinnacle -
Perishable Stock Coverage : - -
Deductible: Per Occurrence or Loss
Event Deductible Property Damage Loss $50,000 $50,000
Deductible: Per Occurrence or Loss
Event Deductible Time Element Loss 24 Hours 24 Hours
Deductible: Minimum Time Element
Deductible $50,000 $50,000
Deductible: Crisis Event Business Income
and Extra Expense Coverage : - -
Deductible: Per Occurrence or Loss
Event - Deductible Time Element Loss 24 Hours 24 Hours Deductible: Per Occurrence or Loss
Event - Minimum Time Element
Deductible
$50,000 $50,000
Deductible: Per Personal Data
Compromise Event $2,500 $2,500
City Of Visalia
21 Valuations Expiring Proposed
Replacement Cost Applies Applies
Coinsurance Expiring Proposed
Coinsurance No Coinsurance Applies No Coinsurance Applies
Endorsements (including but not limited to)
Disclosure Of Premium And Estimated Premium For Certified Acts Of Terrorism Coverage (Pursuant To Terrorism Risk Insurance Act) - 145927 01 15
Property Coverage Section - Declarations
Property-Gard Pinnacle Coverage Form - 250000 01 13
Property-Gard Pinnacle - Additional Covered Causes Of Loss - 250001 01 13 Property-Gard Pinnacle - Additional Property Not Insured - 250012 01 13 Property-Gard Pinnacle - Green Coverage Endorsement - 250031 01 13 Property-Gard Pinnacle - Combined Dollar Deductible - 250033 01 13 Property-Gard Pinnacle - Employee Theft And Forgery Or Alteration Coverage Limited - 250037 01 13 Property-Gard Pinnacle - Equipment Breakdown Coverage Endorsement - 250048 01 13 Property-Gard Pinnacle - Perishable Stock Coverage - 250058 01 13 Property-Gard Pinnacle - Crisis Management Coverage - 250062 10 22 Property-Gard Pinnacle - Municipality Extension Endorsement - 250063 01 13 Property-Gard Pinnacle - California State Exception Endorsement - 250070 01 13 Property-Gard Pinnacle - Data Compromise Coverage - 250133 10 17 Fraud Statement - California - 145998 02 23
Exclusions (including but not limited to)
Property-Gard Pinnacle - Conditional Vacancy Exclusion - 250050 01 13
Perils Covered:
Type Description
Special Form Perils Applies
Binding Requirements:
Description
Subject To: Signed TRIA Form
- Signed Terrorism Form (if rejecting coverage)
- Please provide street addresses for all Visalia Municipal Airport locations
Other Significant Terms and Conditions/Restrictions:
Description
Premium Includes Equipment Breakdown Of $83,528