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HomeMy WebLinkAbout23-189Resolution No. 23-189 RESOLUTION ACCEPTING THE PROPOSALS FOR THE CITY OF ELGIN'S INSURANCE PROGRAM BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF ELGIN, ILLINOIS, that pursuant to Elgin Municipal Code Section 5.02.020B(9) the City Council hereby finds that an exception to the requirements of the procurement ordinance is necessary and in the best interest of the city; and BE IT FURTHER RESOLVED BY THE CITY COUNCIL OF THE CITY OF ELGIN, ILLINOIS, that Richard G. Kozal, City Manager, be and is hereby authorized and directed to accept the proposals on behalf of the City of Elgin for the city's insurance program commencing October 1, 2023 as follows: a. To accept Travelers' renewal proposal for liability insurance for an annual premium of $880,505. b. To accept Indian Habor's renewal proposal for pollution liability insurance for a three year premium of $123,070. c. To accept Safety National's renewal proposal for excess workers' compensation insurance for an annual premium of $259,825. d. To accept Claim Management's renewal proposal for workers' compensation claims administration for an estimated annual cost of $48,000. e. To accept Alliant Insurance Services, Inc.'s renewal proposal for insurance consultant services for an annual cost of $35,500. BE IT FURTHER RESOLVED BY THE CITY COUNCIL OF THE CITY OF ELGIN, ILLINOIS, that Richard G. Kozal, City Manager, be and is hereby authorized and directed to execute a service agreement with Claim Management Consultants, LLC dated October 1, 2023, and an addendum with Alliant Insurance Services, Inc. dated October 1, 2023, a copy of which is attached hereto and made a part hereof by reference. s/ David J. Kaptain David J. Kaptain, Mayor Presented: September 27, 2023 Adopted: September 27, 2023 Vote: Yeas: 9 Nays: 0 Attest: s/ Kimberly Dewis Kimberly Dewis, City Clerk RENEWAL OF PROFESSIONAL SERVICES AGREEMENT BETWEEN THE CITY OF EL -GIN AND ALLIANT INSURANCE SERVICES, INC. THIS RENEWAL OF AGREEMENT is dated and entered into as of September 27, 2023, between the City of Elgin (hereinafter the "City") and Alliant Insurance Services, Inc. f/k/a Mesirow Insurance Services, Inc. (hereinafter the "Broker"). The Broker and the City previously entered into an Agreement dated September 30, 2015, (hereinafter the "Agreement") for the Broker's professional services as described in said Agreement. The initial term of said Agreement was scheduled to terminate on September 30, 2020. The Broker and the City previously entered into a renewal agreement of such Agreement whereby the parties extended the Agreement for a one-year term commencing October 1, 2020 and terminating September 30, 2021. The City and the Broker also previously entered into a second renewal agreement of such Agreement whereby the parties further extended the Agreement for an additional one-year term commencing October 1, 2021 and terminating September 30, 2022. The City and the Broker also previously entered into a third renewal agreement of such Agreement whereby the parties further extended the Agreement for an additional one-year term commencing October 1, 2022 and terminating September 30, 2023. The City and Broker deem it desirable and in their best interests to further extend the Agreement for an additional one-year term commencing October 1, 2023 and terminating September 30, 2024. TERM OF THE AGREEMENT The term of the Agreement is hereby further extended for one (1) year commencing October 1, 2023, and ending on September 30, 2024. PAYMENTS TO THE BROKER The City shall pay to the Broker for services provided during such additional one-year term commencing October 1, 2023 and terminating September 30, 2024, a fixed fee in the amount of $35,500. MISCELLANEOUS The changes as provided in this renewal agreement are germane to the original Agreement as signed and this renewal agreement is in the best interests of the city and is authorized by law. This Agreement may be executed in counterparts, each of which shall be an original and all of which shall constitute one and the same agreement. This Agreement may be executed electronically, and any signed copy of this Agreement transmitted by facsimile machine, email, or other electronic means shall be treated in all manners and respects as an original document. The signature of any party on a copy of this Agreement transmitted by facsimile machine, email, or other electronic means shall be considered for these purposes an original signature and shall have the same legal effect as an original signature. All of the remaining provisions of the Agreement shall remain in full force and effect. CITY: CITY OF ELGIN BROKER: ALLIANT INSURANCE SERVICES, INC. f/k/a MESIROW INSURANCE SERVICES, INC. By: City Manager, Richard G. EVP Managing Di tor GIVEN under my hand and notarial seal this _20 day of September, 2023 My Commission Expires: lv( 5, 202l Legal Dept\Agreement\Measirow Ins 4111 Renewal Agr-One Year-9-14-23docx • -- --- ----Vr— - 1 OFFICIAL Mt 1 1 IrEGAN JOLLY 1 1 NOTARY PUNLIC, STATE OF ILLI NOIS 1 My Carmtnion 0441ms 1y27 T 2 SERVICE AGREEMENT This Agreement is hereby made and entered into this 27rd day of September 2023, by and between Claim Management Consultants, LLC, an Illinois limited liability company (hereinafter referred to as the "Service Agent") and (The) City. of Elgin, Illinois, a municipal corporation (hereafter referred to as the "Client"). NOW THEREFORE, in consideration of the promises and covenants contained herein, the sufficiency of which is hereby mutually acknowledged, the parties hereto agree as follows: SECTION I: SERVICE AGENT The Service Agent shall provide the following Illinois workers' compensation claim management services to the client: • Administer and manage all of the workers' compensation claims during the period of this contract. • Determine the liability, if any, the settlement thereof, and issue all payments, with funds provided by the Client. ■ Prepare and file all claim reports in accordance with established administrative procedures and state guidelines and by law. • Establish a separate claim file on each reported claim with appropriate documentation. • Provide computerized monthly loss reports disclosing pertinent claims data. • Coordinate all litigation activity with outside legal counsel. • Establish initial claim reserves and reserve changes for each claim file. ■ Provide 4 (four) meetings per year to review mutually agreed upon claim files or other issues. • Provide Managed Care Services at the rate of $92.50 per hour. • Coordinate Provider Bill Review Services at a fee of 35% of savings. (No savings/no fees). • Select, assign and coordinate any outside field investigations/surveillance. • Coordinate all subrogation activities. • Make prompt payments of all medical bills to avoid late payment consequences. • Communicate in a timely manner with employees involved in lost time claims in order to advise them promptly of their rights and benefits. • Prepare any Federal 1099 tax forms where required. • Coordinate and cooperate with any applicable excess carrier(s) in their investigation and defense of any applicable claims. • Provide medical cost containment services including, but not limited to, medical bill review and pharmacy bill review. • Assume all existing open claims. 1 • Provide the appropriate notification to excess insurers as required by policy reporting requirements. C Provide the client with the necessary investigation of each claim using competent and qualified personnel. • Conduct the necessary investigation of each claim using competent and qualified personnel. • With reasonable prior notice, the Client has the right to designate a representative to visit CMC's premises for file audits and have access to all data which relates to payment or non - payments made by CMC and charged to the Client as well as general claims handling review. • Review all claims against the Client and make recommendations to the Client as to the denial, delay, or settlement of claims on behalf of the Client. Client approval is necessary for any and all claims settlements in excess of $5,000. ■ Provide detailed loss reports on a monthly basis showing all claims including claimant's name, claim number, occurrence data, expenditures paid to date, outstanding reserves for each case, and claim, status (open/closed). Report must include a check register detailing monthly financial activity including payments issued, payee, amount of check, type of payment, claim number, and claimant name. II Designate one specific representative to handle all client claims. ■ Coordinate legal defense of litigated claims,including subrogation issues. The Client reserves the right to select legal counsel. Ensure that, for employees who are represented by legal counsel, their attorneys receive copies of reports and correspondence, as appropriate and/or required. • Initiate and coordinate vocational rehabilitation services for qualified injured workers. The client reserves the right to select the rehabilitation vendor. • Provide a monthly reconciliation of the Workers' Compensation checking account, listing all checks, vouchers, and voids, in numerical sequence, stating date issued, claim number, claimant name, payee and amount. 7 Provide detailed AD HOC reports regarding safety loss analysis data to be used for loss prevention activities. • Determine the extent and degree of permanent disability based upon medical evidence. • Maintain insurance of the type and amount detailed in Attachment A (Certificate of Insurance), incorporated by reference herein. SECTION II: CLIENT The Client Agrees to: ® Provide the Service Agent with timely, accurate and complete accident reports and correspondence on all claims and related claim matters. • Cooperate fully in the claim administration process, disposition, payment, etc. of all claims and related claim matters/and expenses. 2 • Provide the Service Agent with timely and up to date written information on any changes in insurance carriers, insurance coverages, claim reporting requirements, brokers, consultants, etc. • Establish or have the Service Agent establish on the Client's behalf an Escrow Loss Fund from which to pay all claims and related claim expenses on a timely basis. The account will be reviewed periodically to determine any under funding. If the account is underfunded the Client will increase the deposit in a timely manner based on supportive documentation from the Service Agent. The Service Agent will not issue, hold or distribute any checks/payments without adequate funds. The Service Agent will not be responsible for any penalties, lack of provider discounts, etc. due. to inadequate funds. Reconciliation of the escrow bank statement will be the responsibility of the Client. The untimely replenishment of the escrow account may be considered a breach of this Agreement. Client will pay for all check stock. ▪ Provide written notice as to any changes in the distribution of Loss Reports, Changes in Loss Report Format, Data Tapes, etc. ■ Provide thirty (30) days prior written notice of the setting up of any claim reviews, meetings, audits beyond the four meetings the Service Agent is required to attend. ■ Pay the Service Agent's fee in accordance with this Agreement. • Set forth in writing to the President of the Service Agent, any requested changes in service procedures. ■ The Client, as Self -Insured, agrees to be responsible for the full compliance of the USA Patriot Act (Section 326) of October 1, 2003. The USA Patriot Act (Section 326) has ordered financial institutions, including insurance companies, TPA's and self -insurers, as well as their employees including US citizens and permanent resident aliens employees by non -US insurers, to be responsible for checking claims and payments against a master list published by the Office of Foreign Assets Control (OFAC) of the US Department of Treasury. The intention of this screening is to ensure that money is not paid to persons or organizations involved in terrorism, international drug trafficking, or activities related to the proliferation of weapons of mass destruction (i.e. transactions with "enemies" of the United States as defined by various Executive.Orders of Congress). As a Self -Insured it is your.responsibility to comply with this Act, and to notify the Service Agent, in writing, if any payments are to be withheld. SECTION III: GENERAL CONDITIONS The Client agrees that it will indemnify and hold harmless the Service Agent and its directors, officers, employees, parents, subsidiaries and affiliates from and against any and all claims, loss, liability, costs, and damages incurred by the Service Agent as the direct or indirect results of any misconduct, claim instructions or omission of the Client, or any of its directors, officers or employees, taken in connection with the furtherance or performance of any provision of this agreement, provided that said misconduct error or omission have not been directly caused by the Service Agent, its directors, officers, and employees. 3 The Service Agent agrees that it will indemnify and hold harmless the Client and its directors, officers, employees, parents, subsidiaries and affiliates from and against any and all claims, loss, liability, costs, damages and reasonable attorneys' fees incurred as the direct or indirect result of any misconduct, error omission of the Service Agent or any of its directors, officers, employees, parents, subsidiaries or affiliates taken in connection with the furtherance or performance of any provision of this agreement, provided that said claims, loss, liability, costs, damages and reasonable attorneys' fees have not been directly caused by any misconduct or omission of the Client, its directors, officers and employees. This contract shall be interpreted and construed in accordance with the laws of the State of Illinois. Venue for the enforcement of any rights and the resolution of any disputes arising out of or in connection with the provisions of performance of this Agreement shall be in the Circuit Court of Kane County, Illinois. This agreement shall not be construed so as to create a joint venture, employment, partnership or other agency relationship between the parties hereto except as specifically provided for herein. This agreement is the sole agreement between the parties hereto regarding the subject matter hereof. There are no other agreements, either oral or implied, between the parties hereto regarding the subject matter hereof. This agreement shall be construed as having been drafted by the Service Agent. SECTION IV: FEES/SERVICE PERIOD This agreement shall terminate September 30, 2026. The Client agrees to pay the Service Agent a fee of $240 for each new Workers' Compensation claim plus $500 per month for Loss Reports and Special Status Reports plus an Annual Administrative Fee of $5.4000.(payable at inception). Invoices tobe issued monthly based on actual claim counts. The aboverates/fees are .puaranteed for each of the three years. Such fee is due and payable by no later than thirty-(30) days from the date of the invoice. Any additional services requested and/or any service modification by the Client must be in writing and addressed to the President of the Service Agent. If acceptable to the Service Agent, such services will be provided on a time and expense basis and/or a negotiated fee. This agreement may not be modified or amended except in writing by both parties hereto. The Service Agent also reserves the right to review with the Client, and adjust its service fees if, within the service agreement period, the Client, Client's broker, excess carrier, fronting company, insurance consultant, etc. materially changes the basic services provided, or requests additional modifications in EDP systems, reports, magnetic tapes, etc. In addition to the Service Agents' fees the Client also agrees to pay all Allocated Expenses as defined below: Allocated Loss Expenses means any cost or expense we incur on your behalf as a result of our engaging the service of firms or persons outside our organization, for work in connection with the investigation, medical case management, cost containment, provider bill review, adjustment, settlement of defense of a Claim. Allocated Loss Expenses includes, but is not limited to the automobile or other physical damage appraisal; all court costs, fees and expenses; fees for services of process; fees to attorneys; the cost of 4 services of undercover operations, detectives fees, independent adjusters, or attorneys for investigation or adjustment of Claims; the cost of employing experts for the purpose of preparing maps, photographs, diagrams, chemical or physical analysis, expert advise of opinion; the cost of depositions and court reporters, or recorded statement, the indexing of claims, the cost to tape transfers, etc. SECTION V: CANCELLATION The cancellation or non -renewal of this Agreement by the Service Agent, shall be given to the Client, in writing, sixty (60) days prior to the actual effective date of such cancellation/non- renewal. Upon cancellation/non-renewal, the Service Agent will not be required to provide any further services to the Client since such services were provided only for the life of the contract and not for the life of the claim. The Service Agent may also cancel this Agreement with ten (10) days written notice, for the untimely or non-payment of service fees, or the untimely replenishment of claim payment funds to the Escrow Account. The cancellation or non -renewal of this Agreement by the Client shall be given to the Service Agent, in writing, thirty (30) days prior to the actual effective date of such cancellation or non - renewal. In the event of cancellation and/or non -renewal of this Agreement, for any reason whatsoever, the Client shall designate, in writing, one of the following options: Option I: Require the Service Agent to retum all open/pending or closed files to the Client on the effective date of the termination at the Client's expense. Option II: Require the Service Agent to continue to provide all services as previously outlined in this Agreement, at a fee to be negotiated between the Client and the Service Agent. Both parties acknowledge that all claim files are property of the Client. In the event of cancellation and/or non -renewal of this Agreement, for any reason whatsoever, all claim files shall be promptly returned to the Client or as directed. This agreement may be terminated and cancelled by either party hereto for any reason as provided above. SECTION VI: AGENCY AUTHORIZATION/WAIVER The undersigned duly authorizes the Service Agent, when an Escrow Bank Account is established for the Client, to act as its agency (fiduciary), for the purpose of endorsement and deposits of items, payable totally or in part to the undersigned), to, or withdrawal from any account, at BMO Bank N.A. entitled for the purpose of claim payments and related expenses. The undersigned agrees to waive any and all claims it may have against the Service Agent, its parent company, its directors, officers, employees, subsidiaries and affiliated as a direct result of any failure of the BMO Bank N.A. which makes it impossible for the Service Agent to fulfill its financial obligations to the undersigned. 5 SECTION VII: TRANSFER OF OPEN FILES It is hereby agreed, that upon inception of this Agreement, if the Service Agent is requested by the Client to assume the servicing of any open files from another service company, open indemnity (wage loss) files will be priced in accordance with the fee structure for new claims. No cost shall be charged for medical only claims. The Service Agent is only responsible for the claim activities and management of same from the inception date of the transfer through the expiration of this Agreement. The Service Agent is not responsible for any management activities, decision, services, liabilities, procedures, etc. that occurred prior to the transfer. SECTION VIII: SIGNATORY PARTIES This Agreement may be executed incounterparts, each of which shall be an original and all of which shall constitute one and the same agreement. This Agreement may be executed electronically, and any signed copy of this Agreement transmitted by facsimile machine, email, or other electronic means shall be treated in all manners and respects as an original document. The signature of any party on a copy of this Agreement transmitted by facsimile machine, email, or other electronic means shall be considered for these purposes an original signature and shall have the same legal effect as an original signature. IN WITNESS WHEREOF, the parties have caused this agreement to be executed on their behalf by the undersigned duly authorized persons. CITY OE.ELGIN/CLIENT Richard G. Kozel City.Manager. Title September 27, 2023 £'4tZ%mod Witness CM /SERVICE AGENT MsLaet Kozi►Ls e Titie se_22, 2(03 Date fitness 6 . AGGRE-2 INSURANCE OP ID: Ali A fClOWEr it.----- CERTIFICATE OF LIABILITY DATE (MM/DEVYY1Y) 0911512023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER, THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, tho policy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu 01 such endorsement(s). PRODUCER 847-673-4900 The Lubin -Bergman Organization 5 Revere DrIve-Sulte 370 Northbrook, IL 60062-1566 Steven L. Dubrow CONTACT Steven L. Dubrow .u.s.K•,.. PHONE 847-6734900 I FAX o:847-559-9400 NC No Ext): I INC, N) INSURERfS) AFFORDING COVERAGE NAIC # INSURER A :The Hartford age nanemerd Cons t at nts, LLC 5202 AT Oithard Rd, Ste. N230 • skokle. L 60077 INSURER B • Gemini Insurance Company , INSURER C: juulag_FLEL: INSURER E : INSURER F : . • ION NUMBER: - - — - -- --- THIS IS TO CERTIFYTHAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCHPOLICIES LIMITS SFIOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. IN R TYPE OF INSURANCE . ADOLLSUBR 11452- WW1 POLICY NUMBER •-iMitifidAYYY-1-2:=SIWYYT 35BAACO243 POLICY.EFF 10/17/2022 POLICY EXP ' IJMITS 10/17/2023 EACH OCCURRENCE 2, 00,00 A X CO MERCIAL GENERAL LIABILITY 0 p mDAMAGE ,F.grE 1,000,000 CLAIMS -MADE I X I OCCUR MEOEXPiAqione0erson} 10,000 . PERSONAL S ADV IN.) Y 2,000,000 $ .. GENERAL AGGREGATE s 4,000,000 GEN'L X AGGREGATE LIMIT APPLIES PER: POLICY i i fa LOC OTHER PRQDIJCTS-COMPIOPAGG 2„00T) $ • A 2 AUTOMOBILE 2. ""a • — X.• LIABILITY ANY AUTO OWNED AUTOS ONLY AIMS ONLY X SCHEDULED AUTOS leoCenig 83SBAACO243 10/17/2022 10/1712023 COMBINED SINGLE LIMIT #ccblertt 2,000,000 ,(Ea 000ILY INJURY fPer.bersonl... $ BODILY INJURY Per accident) $ fkii:gc-IregAMAGE A Xw,ossu. us EXCESSUAE X OCCUR CLAIMS -MADE 83SBAACO243 7/202 0 7/2023 CH OCCURRENCE $ 3,000,00 0 AGGREGATE : 3,000,000 . ,OED. X I.RETENTION$ 10,000 A :WQRXERSCOMPENSATION AND EMPLOYERS EMPLOYERSLJABILJTY ANY PROPRIETOR/PARTNER/EXECUTIVE yling EXCLUDED? (Mandatory tf ye9, describe under OESCRIPTION OF OPERATIONS below Y / N N N I A 83WEC NL7 0 /01/202 01/01/2024 x PER J._ EACH ACCIDENT 500,000 E.L DISEASE - EA EMPLOYEE3. 500,000 L DISEASE - POLICY LIMfT 500,-000 B . Professional Liab. VNPLOI23O3 0 11/202 02/11/2024 2,000,000 2,000,000 5,000 Ded. Aggregate, DS5IRIPT1ON OF OPERATIONS I LOCATIONS I VEHICLE (ACORD 101, Additional Remadca Schedule, may be aftached If more space In required) CERTIFICATE HOLDER CANCELLATION CITYE-2 City of Elgin 150 Dexter Court Elgin, IL 60120-5555 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE Isblfettl, ACORD 2 (2016(03) © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ......_.......:A4p AGGRE-2 AC"CoREJle Ik.....---- CERTIFICATE OF LIABILITY INSURANCE OP ID:•A OATE (MM/DorTYYY) 09/1512023 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(les) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement p..). PRODUCER 847-673-4900 The Lubin -Bergman Organization 5 Revere Drive -Suite 370 Northbrook, IL 60062-1566 Steven L. Dubrow C NTACT Steven L. Duhrow PHONE 847-673-4900 I (V, No3:847-559-8400 A/C, No, ED: es - , INsURENSIAFFORDING COVERAGE NAIC INSU R A :The Hartord jrrRITI a nag em en t Consultants, LLC 5202 Old OrChard Rd, Ste. N230 Skokie, IL 50077 INSURER 8 : Gemini insurance Company INSURER C: INSURER ID • INSURER E : INSURER P • COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIRENIENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. NSR* UM OIT TYPE OF INSURANCE LC,ZUBR zp Itwo ---.1.Cf.16T-F—F . UCY NUMBER 1I ViDaYYYT) POLICY, EXP - IMWOONYT-Y1 LIMITS A . X j.COMMERcALGENERALL1AeILI1Y X OCCUR 833BAACO243 10/17/2023 10/17/2024 EACH OCCURRENCE $ 2,000,000 I J CLAIMS -MADE DAMAGE T RENTED 1 2d 1,000,000 , MED EXP lAriv one •cersora..._, 10,000 •PERSONAL & ADV INJURY ,,..$ $ 2,000,000 EN'L AGGRER4E LIMIT APPUES PER: X1 POLICY I I Flea: i I LOC OTHER* GENERAL AOGREGAT 4,000,00 PRODUCTS - P P A G ...E . 2,000,000 AUTOMOBILE X LIABILITY ANY AUTO OWNED AUTOS ONLY AIMS ONLY x rI SCHEDULED AUTOS 1:41EVKV -93SBAACO243 10/17/2023 10/17/2024 COMBINED SINGLE LIMIT s. 2,000,000 -trOxs./900g4. - BODILY INJURY fPer persons BODILY INJURY Per eccItlentl. $ liggdRdTeT,t , LIAGE $ r• A X U UMBRELLA LJAG X EXCESS LtAB 1 OCCUR CLAIMS -MADE B 0243 10/17/202 0/17/2024 EACH OCCURRENCE 3,000,000 AGGREGAT ' 3000 I ,000. bEDi X I RETENTIONS 10,000 A . WORKERS COMPENSATION AND EMPLOYERSLIABILITY YI N ANY PROPRIETOR/PARTNER/EXECUTIVE I ., I flaggylihnAgil EXCLUDED? I Pa I IA ns6Fil leIWAVOnFIZ>PERAT I nI below . NIA 8 WECAE7NL7 0 ioino2 01/01/2024 X ER TH. E.L. EADH ACCIDENT , 500,000 E.L. DISEASE - EA EMPLOYEE'S'. 500,000 E.L. DISEASE - POLICY WWI' ..5. 500,000 B Professional Liab. VNPLOI2SO3 02/11/202 02/1 /2024 2,000,000 2,000,000 5,000 Ded. Aggregate DESCRIPTION OF OPERATIONS l LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be atththed if more space Is required) CERTIFICATE HOIDER CITYE-2 City of Elgin 150 Dexter Court Elgin, IL 60120-5555 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE ACORD 25 (2016(03) • C.1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD