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HomeMy WebLinkAbout3.a. Insurance Presentation by American Risk Services CtTY OF ROSEMOUNT � EXECUTIVE SUMMARY FOR ACTION CITY COUNCIL MEETING DATE: December 20, 1994 AGENDA ITEM: Insurance Presentation by American Risk AGENDA SECTION: Services Department Heads Report PREPARED BY: Jeff May, Finance Director AGENDA N���� � � ATTACHMENTS: Information on Workers' Compensation APPROVED BY: Renewal for 12-1-94 thru 11-30-95 Mr. John Simacek, from American Risk Services, will be here Tuesday evening to give a brief presentation on our Workers' Compensation renewal that went into effect on December 1 st. We have made a change in our policy that will help us to begin working towards a form of self- insurance that should benefit the City in the long run. Mr. Simacek will also be available to answer questions regarding our general liability policy. RECOMMENDED ACTION: None. COUNCIL ACTION: CI�af gpSEM��T V ar'en�e Race ��nTi94 " 12-U1A410, �te E m� Fa`�°tl o�o Pa'1r 0.0� �uon�teo� 1�193194 ll Rate �e�sn�e E��� �6913 �1�o,/0 0'���0� tJdorken, C°mPe e pay�te � �1� '!4'1 3 q22 24.21% p,00�� Cod tna 226, �'i ' 19- p.0��O 1e� N�bet � 9 ,�4� 13115 g2,02� g1,82 39 5 4 4.'��!/o ���'o 0 229• � . �Uon 5506 6661$ 4$ ��5�6 605,113 5'f2 3,�'18 1�•29% �.00� s�ft � 81. � 5 66� S 3 0 Cl� a�d�nte�s►�e '152� q,23 6 g4 3 '�2 �6 0'S4 - o � ��08 �9�gg3 3, 5?0,� 86 0.0��O S�e e t C� 5 5�2 2,�9 1 1' 3,6 2 3 �2.6'1% watetwocks t�t� 'f'f2 4 g8,41 g p.54 136 2 1•g6 g g6g o p.0 0% r t e r s(V°lun 822'i 5 1 6,qp9 2, 194,�6 4.1'1 ' 15.95/° F�te fi g 8g10 25,5�5 1�'1 2 4 1 1 g 1 9 212,6 6 2 31 0 Op% police a ndY�d g015 1g,469 511,635 2,102 p.0�% Ct�S��p gc,ReP�i 9�63 3'10,96�' 4.1"1 10,193 91p00 2.3 1 5g 2 C�e rical Ce ,�1,2 4 5 2.�1 ' 2•31 0�6% �lntenan g102 25 200 =1.8$°� guildin�ty Centets q410 582 103,260 �.14� �°�'�' 9411 25.24� 2.3 1 2,585,13g � 92,93 4 p�� Em4t0`•'� 9�11 10o gg� 0.9 'f2,�89 MU�cipal mn,;ssions p?8 6 411) 8oards ana C� inted�'�ials 2 g 13,661 g��43 � ' _14� E���ot AP4° 0$4 �� �'16) 66,0'1'I va��on p,ilowan�e p 09 (6,524� Sub'Co�o�sgick,Koliday �' ��>16"1 Sq+>>3 �,ess�0�°�e M�ifiet Expene� ts�oun� 624) ptem�um� - 0'Q� g5,929 nted Ptemi�'2,��p�ea• S��id Dis�ou D�S�o��t @ �SS Ded�ctib�e De�sitiptem�um , r Credit Carep�,ov►ae �et�D 4°sit Ptem1um l � �meri�p"R'sk Ser`"ces.Inc• preP°red by' V�►CQU���tZA`'9� ������4 ClTY OF ROSEMOUNT Medical Deductible Premium SavinQs Examnie: Deductible Amount 250.00 Medical Only Year 93/94 City 92/93 City 91/92 Ciry 90/91 City 89/90 City 88/90 p its p�ys Pays P�ys Pays Pays Y [temized 113.00 113.OU 104AU 104.U0 17l A� 171.00 90.50 9U.50 2G I.00 250.00 32.59 32.59 Claims 98G.15 250.UU 200.1U 2U0.t0 33U.00 250.00 1G8.25 168.25 7fi5.64 250.00 65,15 65.15 2G4.72 250.UU 329.36 25U.00 617.00 250.00 93.00 93.00 1,791.40 250.00 552.17 250.U0 1,853.29 250.U0 1G2.25 162.25 84.00 84.0(1 150.07 f50.07 732.23 2S0.U0 282.13 250.00 42,353.U4 250.00 577.32 250.UU 12U.58 12U.58 207.00 2U7.00 73.56 73.56 ` 301.58 25Q.U0 315.U0 25U.0t) 42.U0 42.00 ?80.04 250.U0 2U9.00 209.�U 184.25 184.25 _ ao2. G8 250.U0 350.00 250.U0 146.08 14G:08 ' 215.50 215.5� 591.50 250.0O Totals: 3,725.05 1,7G3.07 5,219.32 2,495.2G 2,345.63 t,7GG.50 258.75 258.75 43,G30.24 1,000.56 1,889.14 34T.74 6 Year Average 1,271.98 Annual Prem.Savings 1,450.(!U Annual ( Comprchcnsi�c Mana�ccl Cnrc Pro�rnm Cost and Prcmium S�vinQs Exnmt�lc: Bilting costs @$7.92 per Medical Bill 142.SG 31.68 95.04I 47.52I 126.72 19U.08I I I EsUmate Cost I Plus 7U.U0 per I�our for"neccessary" ciaim revie�vs. , Based on 5%o premiurn savings by accepting this program: Estimated Premium Savings�based on an estimaled annual premium of SG6,077. 3,G24.00 LASSLIMLXL.S 1994 , Prepared by:Amerlcan Risk Services.lnc. Page 1 of! - l ��it�ro4 C/TY OF ROSEMOUNT Medical De�luctible Premium Savines Examnlc: Decluctible Amount 500.00 Medical Only Year � 93/94 Ciry 92/93 City 91/92 Ciry 90/91 City 89/90 City 88/90 P its . Pays Pays Pays Pays Pays Y �itemized t P3.00 113.00 104.00 104.00 171.00 17 L00 90.50 90.50 261.00 261.00 32.59 32.59 Claims � 9EG.15 500.00 200.1U 20U.1U 330.U0 330.00 1b8.25 lG8.25 765.64 500.00 65.15 65.15 2G4.72, 264.72 329.36 3Z9.3G G17.U0 500.00 93.00 93.00 l,791.40 500.00 ' S52.17 SOO.OU 1,853.29 SOO.UO 1G2.25 1G2.25' 84.00 84.U0 F 150.07 150.U7 732.23 SUOAU 282.13 282.13 42,353.04 SU0.00 577.32 SUU.00 120.58 120.58 2U7.00 207.00 73.56 73.56 301.58 301.58 315.U0 315.00 42.00 42.00 780.04 SUU.00 209A0 209.Ut) 184.25 t84.25 . - A02.68 4U2.68 350.U0 350.OQ 146.08 146A8 215.50 215.50 59t.5U SUO.OU � Totals: 3,725.05 2,829.37 5,219.32 3,542.3U 2,345.G3 2,228.G3 258.75 258.75 43,G30.24 1,511.56 1,889.14 597.74 G YcAr Avcrage 1,828.OG Annual Prem.Savings 2,900.OU Annual � Comnrchensive ManaQed Care Proeram Cost and Premium SavinQs Exam��lc; Billing costs @$7.92 per Medical BiU 90.08 t42.56 31.68I 95.04I 47.52I Estimate Cost 12G.72I 1 I I Plus 70.00 per hour for"neccessary" claim reviews. Based on 5%premium savings by accepting ttiis prograrn: Estimated Premium Savings,based on an estimated annual premium of$66,077. 3,624.00 LASSLIMI.XLS 1994 Prepared by:Amertcan RlrkServlcer./nc. P�ge t of t - ��i1��94 CITY UF ROSEMUUNT Medic�l Deductibic['rcn►ium SavinQs Exumnlc: Deductiblc Amount 1,UOO.UO Medicat Oniy Year 93/94 Ciry 92/93 City 91/92 City 90/91 City 89/90 City 88/90 P i S Pays Pays P a y s Pa ys PaYs y Itemized 113.00 113.OU 104.00 104.O0 171.00 171.00 90.50 90.50 261.00 261.00 32.59 32.59 Claims 98G.15 98G.15 200.10 200.10 330.00 330.00 168.25 1G8.25 793.00 793.00 1,79L40 1,000.0 2G4.72 264.72 329.3G 329.36 617.0� 611.00 552.17 552.17 1,853.29 1,OOO.UU 162.25 IG2.25 84.00 84.OU 150.07 150.U7 732.23 732.23 282.13 282.13 42,353.04 1,000.00 577.32 577.32 120.58 12U.58 2U7.00 207.00 73.56 73.56 3Ut.58 301.58 315.00 315AU 42.00 42.00 780.04 780.04 2U9.00 209.U0 t84.25 184.25 _ - 4U2.68 402.GA 35U.U0 350.00 146.U8 14G.08 215.50 215.SU 591.50 591.SU Totals: 3,725.05 3,725.Oi 5,219.32 4,3GG.U3 2,345.G3 2,345.63 258.75 258.75 43,G30.24 2,277.20 1,889.14 t,097.74 6 Year Avcrage 2,345.U7 Annual Prem. Savings 3,624.U0 Annual � Comnrehensive ManaQed Care Program Cost and Premium SavinQs Examnle: Bilting costs @$7.92 per Medica!Bill Ug 142.56 31.68I 45 A4I 47.52I Estimate Cost 126.72I 190. I I Plus 70.00 per hour for"neccessary" claim revie�va Based on S%premium savings by accepting this program: Estimated Premium Savings,based on an estimated annual premium of$66,077. 3,624,00 LOSSLIMI.X(S 1994 Prepared by:AmerlcanRlrkServtces./ne. P�ge 1 of l t����q4 C/TY OF RUSEAfUUNT ` Medical Deductible Premium Savines ExAmulc: Dcductible Amount 2,SOU.00 Medical Only Year 93/94 Ciry 92/93 City 91/92 City 90/91 City 84/90 Ciry 88/90 City Pays Pays Pays Pays Pays Pays Itemized 113.00 113.U0 104.00 104.00 171.00 1'7t.0U 90.50 90.50 261.00 261.00 32.59 32.59 Claims 98G.15 986.15 200.10 200.10 330.OU 330.U0 t68.25 168.25 765.64 765.64 65.15 65.15 264.72 2G4.72 329.36 329.36 617.00 6L7.00 93.00 93.00 1,791.40 1,791.40 552.1'I 552.17 1,853.29 1,853.29 t62.25 162.25 84.00 84.00 150.07 150.07 732.23 732.23 282.13 282.13 42,353.04 2,500.00 577.32 577.32 12U.58 12U.58 2U7AO 207.00 73.SG 73.SG 3U t.58 30 t.58 315.00 3 I 5.00 42.U0 42.00 78U.04 780:U4 2U9.U0 209.U0 184.25 184.25 _ - 402.G8 4U2.G8 35U.OU 350.UU � 14G.08 lA6.U8 ' 215.50 21S.SU 59I.SU 591.50 Tot��is: 3,725.05 3,725.U5 5,219.32 5,219.32 2,345.G3 2,345.G3 258.75 258.75 43,G30.24 3,777.2U 1,889.14 1,889.14 6 Year Average 2,869.18 Annuai Prem.Savings G,524.UU Annual � Comnrchensive Mana�ed Curc Proernm Cost and Premium SuvinLs Exnmulc: Billing costs @ 57.92 per Medical Bill 190.08 142.56 31.68I 9S.04I 47.52I Estimate Cost 126.72I ( I Pius 70.U0 per hour for"neccessary" claim rcviews. Based on S%premium savings by accepting tl�is program: . Estimated Premium Savings,based on an estimated annual premium of SG6,077. � 3,624.00 LOSSLIMI.XLS 1994 Prepared 6y:American Rirk Servicer.inc. Page 1 of 1 ������94 CITY OF ROSEMOUNT � � � � � � Mcdical Decluctibie Prcmium Savin�s Exstmnic: Dcductible Amount S,UOU.OU Medical Only , Year 93/94 City 92/93 City 91/92 City 90/91 City 89/90 City 88/90 City Pays Pays Pays Pays Pays Pays Itemized 113.00 113.U0 l04.00 104.OU 171.00 171.00 90.50 90.SU 261.00 261.00 32.59 32.59 Claims 986.t5 986.15 20U.IU 2UO.lt) 330.00 330.00 168.25 IG8.25 765.64 765.64 65.15 65.15 2G4.72 2G4.72 329.3G 329.36 G17.00 G17.00 93.00 93.00 1,79t.40 1.791.4U � 552.17 552.17 1,853.29 1,853.29 162.25 1G2.25 84.OU 84.00 150.07 150.07 732.23 732.23 282.13 282.13 42,353.04 5,000.00 577.32 577.32 120.58 12U.58 207.OU 207.00 73.56 73.56 301.58' 30t.58 315.00 315AO 42.00 42.00 780.04 780.09 2O9.OU 209A0 184.25 184.25 - 402.G8 402.G8 350,UU 35U.U0 !46.08 l A6.08 � 215.50 215.50 591.SU 59L50 Totals: 3,725.05 3,725.U5 5,219.32 5,219.32 2,345.63 2,345.63 258.75 258.75 43,630.24 6,277.20 1,889.14 t,889.14 G Year Average 3,285.85 Annual Prem.Savings S,G99.U0 Annual ( Comnrehensive Manaeec! Care ProQr�m Cost and Premium Savines Examnle: Billing costs�57.92 per Medicat Bitl 126.72 190.08 142.56I, 31.68I 95.04I 47.52I Esi�mate Cost I I Plus 70.00 per hour for"neccessnry" claim reviews. . Based on S%premium savings by accepting this program; Y ' Estimated Premium Savings�based on an estimated annua!premium of�66,077. 3,624.00 LOSSLiM1.X1S 1994 Prepared 6y:American Rltk Servlcet,lnc. Page 1 of 1 . i tn��a CITY OFROSEMOFINT Workers'Compensation Claim Information Year Medical Indemnity Expenses Total Days Lost Number of Claims: Valuation Paid Reserve Paid Reserve Time Med.onl C.W.P. Total Date 10-01-85/86 1,152.93 0.00 0.00 0.00 0.00 1,152.93 0 8 2 10 10-07-94 10-01-86/87 1,191.87 0.00 3I0.95 0.00 7.25 1,510.07 7 4 2 8 10-07-94 10-01-87/88 4,390.17 0.00 3,703.03 0.00 0.00 8,093.20 49 12 1 17 10-07-94 10-01-88/89 1,889.14 0.00 10,064.43 0.00 7,267.56 19,221.13 932 1 4 7 10-07-94 10-01-89/90 43,630.24 0.00 35,901.39 0.00 59.76 79,591.39 401 S 4 10 10-07-94 10-01-90/91 258.75 0.00 0.00 0.00 0.00 258.75 0 2 3 5 10-07-94 10-0i-91/92 2,345.63 0.00 609.19 0.00 0.00 2,954.82 8 8 7 16 10-07-94 ' 10-0I-92/93 5,219.32 0.00 610.I3 0:00 15.48 5,844.93 12 7 0 12 10-0'7-94 ' 10-01-93/94 3,725.05 1,671.10 0.00 Inciuded 2.01 5,398.16 0 6 3 12 10-07-94 , WCCLAIMS.XLS 1994 Prepared by:American Risk Services,Jnc. Page 1 of 1 � 11/17l94 , k , � ClTY OF ROSEMOUNT Loss Projection Worksheet Incurred � Ultimate L.oss Rate Policy Year Loss X L.D.F. = Loss / PayroH � Per S l00 90 259 1.225 317 1,539�234 0.02 91 2,955 1.335 3,945 1,6�5�184 0.24 92 5,845 1.505 8,797 1,846,070 0.48 93 5,398 1.895 10,230 2,313,661 0.44 23,288 / 7�374,149 � 0.32 , Standard Deviation: 0.t 8 Coefficient of Variation: 57.83% 94 94 ELR X Projected PayroU Exposure = Projected Loss 0.3I58 X 52,585,138 = � $8,1G4 There is a 68 percent probabitity that losses will be between 53,442 and S 12,885 There is a 95 percent probability that losses will be between (51�279) and 517.607 There is a 1.5 percent probability that losses�viti exceed 522�32g LDF94.XL3 LDF94 Prepa�ed by: AmeNcan RlrkBervicer.lna P�ge 1 of 1 12n°ma CITYOFROSEMOUNT Workers' I Compensat�on Claun Information Year Medical Indemnity Expenses Totai Days I.ast Number of Claims: Valuation Paid Reserve Paid Reserve Time Med onl C.W.P. Total Date 10-01-85/86 1,152.93 0.00 0.00 0.00 0.00 1,152.93 0 8 2 10 12-01-94 1Q-0i-86/87 1,191.87 4.U0 310.95 0.00 7.25 1,510.07 7 4 2 8 12-01-94 10-01-87/88 4,390.17 0.00 3,703.03 0.00 0.00 8,093.20 49 12 1 1? 12-01-94 10-01-88I89 2,456.54 0.00 10,064.43 0.00 7,267.56 19,788.53 972 1 4 7 12-01-94 Estimate Recovery -1,349.16 18,439.37 10-01-89/90 43,630.24 0.00 35,9(}1.39 0.00 59.76 79,59139 401 5 4 10 12-01-94 10-01-90/91 258.75 0.00 0.00 0.00 0.00 258,75 0 2 3 5 12-01-94 10-01-91I92 2,345.63 0.00 609.19 0.00 0.00 2,954.82 8 8 7 16 12-01-94 10-01-92/93 5,219.32 0.00 610.13 0.00 15.48 5,844.93 12 7 0 12 i2-01-94 10-0i-93/94 4,269.08 112.02 0.00 Included 8.95 4 390.05 > U S 3 12 12-01-94 10-01-94 to 12-01-94 0 S00 0 700 0 1,200.00 0 0 0 3 12-01-94 WCCLAiMS.XIS 1994 Prepared by:American RiskServices,Inc. Pa�e 1 of 1 } • � t2no�a CITYpFROSF.MOUNT lrrsuranct R»grain:11-01-9f to l2-01-95 Subjed of tawcaoce: 1 I-01-93/94 Pmgiam i t-0�-sarvs r�,�� i i-0i.9a�i2-oi-vs� v,�;�: PROPERTY Iffiura: LM.C,I.T. LI�LC.I.T. [.M.C.I.T. Ral Propesty. 6,985,920 7,56b,7T3 7,566,T'73 persrxaal propaty; Inc�adod t,938,240 1,938,240 Propaty m Opea Included p� ��u� 24 t,565 241,565 w,�,� �a„a�a t�,000 i�,000 OtLer lncluded 200,000 200.000 $lanlcd I�mit: 6,985,920 10,112,578 10,112,578 45'/0 Agtned Amouot: 90°G Goi�uaooe 90%Coi�suraace 90l4 Coim��anoe Replacemeat Cost: Induded Included Includod E�ra F.�ease: Dedudi'ble: �� Spp S00 S00 a�tie: Nooe None Nooe Sub Total Acmium: 19,900 14,508 13,71T -2744 VALUABLEPAPERS Ins�ua: LM.C.I.T. LM:C.i.T. LM.C.I.T. Limit: 1,000 t,000 1,000 DedudiWe: pa claim: S00 S00 S00 aggegate: None Noae None Sub Total Pir,mium: [NLAND MARINE Inwrer: LM.C.I.T. LM.C.I.T. LMC.LT. Co�adasEquipmentLimit: 921,834 Si2,195 512,195 -44°/. (geing oarec,tad to): 1,036,035 1,036,035 129G Dodudi�ble: pet claim: S00 S00 300 ag�te: Nooe Nooe Nooe Miscetlaneous Equipcneart I.imit: Inciuded Included I�ludod Utility Tn�ck IncFuded included Indudod Fire Department: Included 191.705 19?,705 Was md. Pdi�Depar�R: Included laci� Induded 'm auEo Scirnce..F.ngi�aing Inciudod 15,100 13,100 " RadiosrCepulae p6ones IncU�ded 125,350 125�50 " ,qud�o/V'�ual Euipa�aN tncluded 25,6A0 25,640 " Daiuc�bk: pa claim: S00 500 S00 aggregate: Nooe Na�e Nooe Sub Tots!Preovum: 4,932 4,772 S,ITO -3°h (1'o be oanded to): 6.455 6,993 3I% QUOTE94.XIS 1 t-01-94 Prepa�ed by:Rmerlcan RiskServlces.lnc. Page 1 oC 4 ' 12no�v� CITY OF ROSEMOI/NT Insmance Progra�11-01-94 to t1-01-95 Subjedofl�suranoe: 11-01-93/94 Program 11-0I-94/9S Progam 11-01A4 W 12-0tA5 Ptngram Varianca DATA PROCESSING EQULPMENT: Imurcr. LM.C.I.L LM.C.LT. LM.C.LZ'. [�mit: Hudware: Included in Prnpa�ty !52.275 facluded in Property Modia/Software: Includod in Propaty Included in Propaty Iocluded'm Propaty E�Gra Expa�se: Not Covered Na Covued Na Govand De�bk: per daim: 500 500 S00 ag�te: None Nono None Sub Total Pmnium: BOII.ER and MACEIINERY: tns�urr: Not Covsred Not Covand Not Covered [�mit: t)tilitias: �8 E�� Doduciibk: Sub Tota!Preauum: PUBLtC UFFICIAL LIABILITY: Guura: LM.C.I.T. LM.C.I.T. LM.C.I.T. "Oc�urcnoe"or"Claims Made" Claims Made Clairtn Made Glaims Made Retro Adive Date: 11-0t-8� 11-01-87 I1-0I-8� Limit: 600,000 500.400 600,000 I�dible: pa claim: S00 S00 500 aggcgate: None None Na�e Ratiog Expenditures: 13,742,300 9,739,549 10,351,l78 -29% Sub Tdal Premium: ���ded) Md°ded) (�cl°ded) POLICE PROFFSSIONAL LIAB[LITY: Iiability L'uait: 600,000 600.000 600.000 "Ocaureaoe"a"Claims Made": Claims Made Claims Made Clai�Made Retro Active Daie: I 1-0I-87 11-01-87 i 1-01-87 Da�dibk: pa daun. 300 S00 S00 igBregate: Ttone Nau Nooe Sub'Potal Pnenuum: (Iociudcd) (ind�d�d) {Included) QUOTE94.Xi.S 11-01-94 Prepared by:American Risk Services,lnc. Pago 2 of 4 � � ° ����� CITY OF ROSEMOUNT lnsura»ce Pto6ron�:11-0l-9f to 11-01-95 Subjod of Iawc•anoe: I 1-01-93/94 Program 11-01-94/95 Progam 11-01-94 W 12-01-95 Program Varianec; CRIME COVERAGE: (nsura: Unitad Fire Unitod Fire Uniicd Fae I.imits: Fidelity,Unfaithfull Pafatinance 10,000 10,000 t0,000 Uoductible: Nil Nil Nil BianldFosition B«�d Fcxgay: Not Cov«ed Not Govand Not Covaed [?educL�We: Ma�ey dt Sa,vrities: Na Coverod Na Covered Na Couea+od Dedudible: Sub T'otsl Pranium: 391 528 572 -8% GENERAL LIAS[LTfY (nwra: LM.C.I.T. LM.C.CT. LM.C.LT. I.icnits: L.iabitity 600,000 600,000 600,000 A88n&����lded Opaatiau) 600,000 600.000 600,000 Medical Paymeffis: Pa Pason: 1,000 1,000 1,000 Agg�epte 10,000 10,000 I0,000 Fire Damage i,egal liability: 50,000 50,000 50,000 L�mited Polutioo 600,000 600,000 600,000 Lead or Asbestos Claun 200,000 200,000 2Q0,000 Lsnd Use Regutaiion Claim 600,000 600,000 600,000 "()oaura�oe"or"Claims Made" Claims Made C}aims Iutade Claims Made Retro,4cUve Da1e: I i-01-88 11-01-88 I1-01-88 De�dible: pa ciaim: S00 S00 300 agg�cgate: None No« Nooe Premises/Opaatioos: Expraditurcs: 3,597,336 4,057,4d9 4,395,570 13°h Wuuwa'ka Payroll 14'7,548 157,512 170,638 7S6 Street�or Rosds 90 97 97 8�i'. Produas/Coa�ldod c)paatioos: Water�tlange: 331,000,000 423,000,000 458,ZSO,OQO 28°h SubTatalPreauum: 59,526 59,191 64,124 -1°.G �rc.o�BErrEFrrs cav. "Ooaureuoe"a"Claims Made" Claims Made Clai�Made Claims Made Rdro Activc Datc: i 1-01-88 11-01-88 11-01-88 Liability limit: 600,000 600,000 600,000 A88regate: 600.000 600.000 600,000 De�tWble: pa claim: i00 S00 S00 aggcgate: None None None Sub Totsl Prcmium: QUOTE94.XLS!t-0t-94 Prepared by:American Risk Services.lnc. Page 3 of 4 � , � t zno�va CITY OF ROSEMOUNT /nsrrrance P►�ograni:t 1-01-9I to 12-01-95 Subjed of Itssurance: 11-0t-93194 Progam 11-01-94/93 Pcega�n 11-01-94 to 12-01-95 Prog�am Variancr A(TI'OMOBILE Inwra: LM.C.I.T. LM.C.I.T. LM.C.I.T. AM.Best Riting: "()oaura�oe"or"Ciaims Made" UCcucrenoe Ocauraxt Ocau�re�ce liability[�mit: G00,000 60f1,000 600,000 Dedudible: per claim: 300 500 S00 agg�egste: None Nau Nooe Unimured Motorist: 500,000 600,000 600,000 Undai�urad Motorist: 600.000 600,000 600,000 Basic PIP: Inctuded Includod Inctuded Coa�potha�sive Dedudible S00 500 500 Go(lision Deductibte 500 S00 SOQ Numba of Vehicles: Powc�Units 47 34 S4 i5•h Trailers 10 11 11 10% Liability Premium: 10,438 4,789 10,605 -6•k PhYs�al Dumge Pranium: 5,003 4,823 5.225 -4% Sub Tots1 Prunium: 15,4b 1 14,612 15,830 -S% A=mcy"Fee for Service": Include�i on Pmnium 2,000 2,000 CRAND TOTAL PREMNM: 100,390 95,611 103,412 -S°� Withart Criine 99,819 95,083 102,840 •5°k Note: LM.Prem to be cortecicd Addirianal Prenuum '1.683 1,824 CORRECfED GRAND TOTAL PREMIUM: 97,29A 105,236 -3% ���s: (16,313) Paid 12-20-93 OPTIONS: iJMBRELLA: (Witiwut waiva of Umaunity� Limits: Pa Occucraioc Not Covu�ac! L,OQ0.000 1,000,000 A�+�gate 1,U08,OU0 1,000,000 Sub Total Premium: 19,088 20,6T9 OPEN I�ETWC LAW DF,FENSE: [.imits Not Covered 80°k of I.eg;al Cosfs 8Q°h of Lega!Costs {F,stimate) (F,sti,nate) Sub Totsl Premium: 9SU W L;000 1,029 to 1,083 QUOTE94.XLS 1 l-01-94 Prepared by.American/tisk Services,Ix. Page 4 of 4 ' CITY OF ROSEMOUNT - STORM DRAINAGE PROBLEMS ' � Estimated Cost 1. BIRGER POND (City Project #262� S1 - 5 Miilion * Feasibility Report Ordered * Temporary pumping still being investigated * Expensive and extensive easements are required 2. SCHWARZ POND (City Project #2591 5250,000 * Lift Station and Outlet under construction * Still need 2 easements - * Construction to be finished in spring 3. WACHTER POND OUTLET 5350,000 * Need to keep an eye on water level * Will eventually require Lift Station and Outlet including ponding easement 4. WACHTER 186A OUTLET (City Project #257) 5350,000 * This is the Carrollton 4th backyard drainage problem * Still need easement from "County Road 42 Partnership" south of CSAH 42 5. CRAIG ADAMS POND $30,000 * North of County Road 38, east of Danbury Way � Water level high - may damage septic system 6. MOELLERS WET AREA $5,000 * East of Trunk Highway 3 * Water level high - may damage septic systern 7. STILLWELL POND 55,000 * West side of Bacardi * City has pumped numerous times 8. CLANCY POND 580,000 �i * South side of County Road 38 (McAndrews) * City has pumped previously Storm Drainage Problems � 9. KEEGAN LAKE & WINTZ TRUCKING POND $? * Wintz pumps pond on south side of County Road 38 to Keegan Lake * Keegan Lake water level - damaged buildings and possible septic 10. 130TH STREET PONDS $� * Water level high - no outlet * Shoulder and street damage 11. 120TH STREET PONDS $� * Part of Eagan's and Gun Club W.M.O. * Water almost over road 12. VALLEY OAK POND CHAIN $300,000 * Need Pond No. 4 and outlet ' * Requires easement from Geronime's in Empire Township * Water high in existing ponds constructed as City Project No. 197 13. SHANNON OAKS NO. 75 (Marcotte) 5250,000 � Requires Lift Station to outlet when Kelly property develops * Outlet to ? * Water is currently at easement line 14. WHITE LAKE (Lockler) $50,000 * Easement is being surveyed by consultant * Will require acquisition of this easement from Manseau * City can perform ditching 15. DALLARA & DODD BACKYARD DRAINAGE $100,000 * Numerous calls from homeowners/ too flat, doesn't drain * Needs piping to Twin Puddles 16. LOWER 147TH STREET/CAMEO AVENUE DRAINAGE PROBLEM 51,140,000 * Long standing problem of inadequate storm drainage facilities which causes a ponding water hazard with small rainfall amounts. * Currently 'undertaking an in-house Feasibility Report to address the problem. �� 2 DEC.2G� '94 11�Z7AM 612 395 4462 P.1 post-it°Fax Note 7671 oacs Q�r � P89es To A .1 Frortt I"l � . co.�v�� � , ' � 1 4 Pn�ns+� 'w ' Phone F -�^�( � • � � �`�( C t�- �� ��(11 . .�V'�� O:3 F9Y j . . � . . .. . � . . .,,. .. .. , • _. .. . � � ,. .. . . .. ... .. �. . .. . � .. ' � :. . . . . • _.. Nha��-��s �n� s:�are �f �f�e �ast��? � �� � . � � :: .._ . . . . . . ., ... _ . . : .. . . . ... . _ . .;.�. `he �ity����'p�a�s.e �n_the s�orm:�sew�r.u��ity .a�rer the nex2#our.years�to ailow you#�.accorr�rna hang:� m . ar�r.�bt�d �tsw Tf�Q C� � �nr��l;m.ake u �t�e�diff�rer�ce�rorr���fie �en�rai,Fund dur�n� �thf .. Y 9 :.: ..;�Y .., . P.-. . _, �:. : . -. ._� 9 . ans��ca� Ara�e�arn,ple Qf expec�ed quar�er�y ra:�es €��the next�o�r:y-�ars:�#or:var�ous tjipes a�.u :: : . . ���vvus �a�es-�,r�ii ��ad�usted�o �e�ect mf�atian ���fnc� �eta�Is-:w�l be sent to:�t}�E�y.:�ustorx�ers:' rst b��i�n� t � ` _ . _ _ � �: � 7 �. ,t _ _ � j • ,� . a _ . '� � r �ar���e q:ua��rly�tor..��r��na�e ut�l��'�ra�es �-� - � � , . , , i . _ �: �to�r-�a��a�.�-��a�g��.=w�1��� r�1�.�ie� on �hs�sa�e b�l t�t it�ud��rs�r����-ges�ar��nr�a�-s�w��a� � _ �. �ate �e�t � �.�,�� �y L�r�����c,3�' us����ge w#4��p�1�#��xa���a���a�c ax�m�t�r�}�es � �. � r r�� , ~r Tr� �� ���a �J �� ° ,� ��.�_ a.�. � � � '� t �r t� � ' ^r� � � �.r �s�� �� w�rvn � +....t�. '� ,tl, i tj1� r !1 �-,� �� A j l. 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