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Risk Management

Insurance Summary
Aviation / Aircraft Liability

Type of Coverage: 

Aviation / Aircraft Liability  
Named Insured:
State of Oregon, acting by and through each and any of its Departments, Agencies, Boards, Commissions and each of its or their Officers, Employees, Agents and Members of State Boards, or Commissions acting within the scope of their employment or duties.
Description of Coverage:  
  
  
  
  
 
Territory:
Aircraft liability coverage for owned aircraft as scheduled and non-owned aircraft liability. Non-owned coverage limited to single and multi-engine fixed wing aircraft with maximum passenger capacity of twelve. Coverage includes hull coverage on specified owned and non-owned aircraft as well. 
 
United States of America (excluding Alaska), Canada or Mexico.
Schedule of Insured Aircraft:
FAA#
Year
Manufacturer
Model
Owning
Agency
N5000U
1979
Cessna
414A
Forestry
N9000V
1984
Partenavia
P 68 Observer
Forestry
N2357Z
1980
Piper 
PA18-150
Forestry
N91187
1981
Piper
PA18-150
Forestry
N92887
1971
Cessna
182N
Forestry 
N185SC 
1981
Cessna
185F 
State Police
N77CR 
1976
Cessna 
U206F 
State Police 
N93055 
1976
Cessna 
A185F
State Police
N2449J​ ​1982 ​Cessna ​185 Skywagon ​State Police
​N2181N ​2004 ​Cessna ​182T Skyplane ​State Police
Limits of Liability:
$30,000,000
Combined Single Limit - each occurrence and aggregate
$25,000
Medical Expense - any one person
$25,000
Each person baggage liability/personal effects
$500,000
Emergency Landing & Runway Foaming
$500,000
Search & Rescue
$500,000
Damage to Non-Owned Hangars & Contents
$500,000
Cargo legal liability – NIL deductible
$250,000
Voluntary settlement per passenger including crew
$1,000,000
Non-Owned Physical Damage Coverage - any one aircraft
$10,000,000
Automatic Coverage - newly acquired aircraft
 
Additional coverages and limits as described in the policy
Endorsements:
Additional Insureds – Designated persons or organizations – Included
Non-Owned aircraft liability – Max seats : 20
Broad form named insured
And others per the policy
Exclusions:  
Nuclear risk exclusion
Pollution exclusion
Terrorism exclusion
Asbestos exclusion
And others as outlined in the policy
Carrier:
Policy Number:
Premium:
ACE USA - Westchester Fire Insurance Company
AAC N00982350 010
$24,449
Deductibles: 
Liability Deductible: Non-Owned Physical Damage
$1,000 Not in Motion
$1,000 In Motion
Effective Date:  
July 1, 2012-2013

 
Dishonesty Bond/Crime Policy
 

Type of Coverage: Crime/Employee and Outside Agents Dishonesty Bond – Primary and Excess
Named Insured: The State of Oregon, its branches, institutions, departments, boards or commissions, including SAIF Corporation.
Description of Coverage:   Covers the dishonest acts of all employees of the State of Oregon (including designated outside agents), covers the loss of money, securities and other property. The coverage also includes State Treasurer, elected or appointed officials, members of boards or commissions and volunteers.
Primary Carrier:
Policy:
Premium:
  		 The Fidelity and Deposit Company of Maryland
CCP0061208 03
$266,051
Excess Carrier:
Policy:
Premium:
 Westchester Fire Insurance Company (ACE)
G25616339002
$32,548
Primary Limits:











Excess Limits:
 Limit              Coverage
 $10,000,000  Coverage Employee Theft
 $10,000,000  Computer Fraud
 $10,000,000  Forgery/Alteration
 $10,000,000  Funds Transfer
      $250,000  Designated agents
 $10,000,000  Specified Non-Compensated Officer 
 $10,000,000  Tax collectors/Treasurers
      $250,000  Faithful performance
 $10,000,000  Credit, Debit Cards
 $10,000,000  Excess Over Statutory
       $25,000  Claims expense
 
 $10,000,000  Inclusive of defense expenses
 $10,000,000  Attachment point
Deductibles: $350,000 All Losses Except;
$10,000 Designated Agents
$0 Faithful Performance
$0 Claims Expense
Conditions: Cancellation of coverage to any employee immediately upon discovery, by Risk Management, of a dishonest act committed by that employee whether before or after becoming employed by the state.
Territory:

Designated Agents:		 Acts committed or events occurring anywhere in the world.

OLCC Liquor Agents
Certain Agricultural Commodity Commissions
Effective Date: Primary: July 1, 2011-2014
Excess: July 1, 2012-2013
 

 
Equipment Breakdown


Type of Coverage:
 Equipment Breakdown
Named Insured:  
State of Oregon and SAIF
Description of Coverage: 
Direct damage caused by an accident to covered equipment, including Extra Expense and Service Interruption. Covered equipment includes electrical, mechanical and pressure equipment. It includes real property (such as heating, cooling, and electrical systems) and personal property (such as office and process equipment.)
Primary Carrier:
Policy:
Premium:
 
Deductible:
 

Hartford Steam Boiler Inspection and Insurance Company
#FBP-02284461
$79,940 
 
$100,000 – Combined All Coverages except,
24 Hours Waiting Period - Interruption of Service

Locations:
As scheduled in policy.
Limits/Sublimits:
$100,000,000
Equipment Breakdown Limit
​Included ​Property Damage
$1,000,000​ ​Off Premises Property Damage
Included ​ ​Business Income
$10,000,000
Extra Expense
$2,500,000
Expediting Expense
$1,000,000
Demolition
$1,000,000
Service Interruption
​$25,000 ​Contingent Business Income
​$100,000 Perishable Goods​
​$100,000 Data Restoration​
​$1,000,000 Ordinance or Law​
​$1,000,000 ​Hazardous Substances
$1,000,000
Miscellaneous Unnamed Locations
Included
Newly Acquired Locations – Covered for property damage only (120 days)
​$1,000,000 ​Miscellaneous Unnamed Locations - Applies to locations owned or leased that are not listed on the schedule of locations.
*
And other sublimits as stated in the policy
 
Endorsements:
Additional Interests, Mold, Green Equipment Breakdown and others per the policy.
Exclusions:
Earth movement, Nuclear Hazard, War and Military Action, Water and others per the policy.
Effective Date:
October 15, 2012-2013

 
Marine Primary & Excess P&I
 Type of  
 Coverage:
 Primary & Excess Protection & Indemnity (P&I) Liability
 Named 
 Insured:  
 State of Oregon
 Description of 
 Coverage: 
 Covers liabilities associated with the named vessels including third 
 party injury, illness and loss of life, compulsory wreck removal, 
 specific fines and penalties, and collisions.
 Carriers:
 Primary: 
  Policy: 
 Excess: 
  Policy:
 St. Paul Fire & Marine 
 OL08400421
 St. Paul Fire & Marine 
 OX08400124
Deductible:
Primary Premium:
Excess Premium:
 $10,000 (except $100,000 on Wecoma)
 $23,090 – Premium paid by Risk Management 
 $35,780 – Premium paid by Risk Management
 LIMITS:
 Primary:
 $1,000,000 
 Excess:  
 $4,000,000 to 
 $14,000,000
 Limit
Vessel Description
Agency
 $1,000,000 1991 R/V “R-5” welded aluminum ODFW
 $1,000,000
1991 R/V “R-6” 22’ fiberglass
ODFW
 $1,000,000
1994 Shearwater welded aluminum
ODFW
 $1,000,000
2011 Ophiodon 22’ welded aluminum
ODFW
 $1,000,000
16’ aluminum skiff
OSU
 $1,000,000
2011 Zodiac MK3 Futura H
OSU
 $1,000,000
1983 Bayliner Trophy; 21’ fiberglass
OSU
 $1,000,000
2004 Don Rhoads 15’ alumaweld talon
OSU
 $5,000,000
Elakha
OSU
 $5,000,000
Kalipi
OSU
 $15,000,000
Wecoma
OSU
 $ 5,000,000
R/V Olympic 68.4’ fiberglass
OSU
 $5,000,000
R/V Pacific Storm 74.7’ stell hull
OSU
 $1,000,000
Hurricane by Zodiac RHIB #1 22’
OSU
 $1,000,000
Hurricane by Zodiac RHIB #2 22’
OSU
 $1,000,000
Hurricane by Zodiac RHIB #3 22’
OSU
 $1,000,000
Hurricane by Zodiac RHIB #4 22’
OSU
 $1,000,000
Avon RHIB Good News 10’
OSU
 $1,000,000
12’ Boston Whaler
OSU
 $1,000,000
Super Clone 1986 Weldcraft aluminum 35.6’
OSU
 $1,000,000
Pluteus 1970 Trawler 42’
UO
 $1,000,000
Pugettia 20’ Wooldridge
UO
 $5,000,000
Guardian 1977 Delta 50’ fiberglass
OSP

 Exclusions:
 Pollution
 Crew
 Fines, Penalties & punitive damages
 AIMU Chemical, Biological, Bio-Chemical and Electromagnetic
 AIMU Extended Radioactive Contamination
 AIMU U.S. Economic & Trade Sanctions Clause 
 Including others as outlined in the policy
 Effective Date:
 September 15, 2011-2012

 
Marine Vessel Pollution
 
 Type of
 Coverage:
 Vessel Pollution Liability
 Named
 Insured:  
 State of Oregon
 Description of 
 Coverage: 
 Vessel pollution covers removal costs and expenses incurred on
 vessels as scheduled. Each vessel is subject to its own per
 occurrence limit. Federal & state laws (CERCLA; OPA 90) are part of 
 this coverage.
 Carrier:
 Policy Number:
 Premium: 
 Deductible:
 Water Quality Insurance Syndicate
 4450325
 $4,876.25 – Premium paid by Risk Management 
 None
 Limits:
 I
 Effective Date:
 September 15, 2011-2012
 

 
Real & Personal Property
 
Type of Coverage: Excess Real and Personal Property  
Named Insured:   State of Oregon  
Description of Coverage:  Real and personal property, business interruption, extra expense, rental value, demolition and increase cost of construction, valuable papers, accounts receivable, transit, EDP, new acquired property, course of construction, errors and omissions, offsite storage and personal property of the insured's officers and employees while on the premises of the insured.  
Premium:

Per statement of values on file with carriers.
$3,645,463 Premium amount allocated to all state agencies through the Insurance Fund risk charges.

Carriers:

$50,000,000 Primary
   Lexington Insurance Company (Chartis)
     Policy #3879498


$50,000,000 Excess of $50,000,000
   Arch Specialty Insurance Company
     Policy #PRP003574403
   Maiden Specialty Insurance Company
     Policy #S1EPY0239503S
   Allied World
     Policy #030705051A
   Liberty Mutual
     Policy #MQ2L91428599012
   Ironshore Insurance Ltd. (Bermuda)
     Policy #440511811A
   Aspen Specialty Insurance Company
     Policy #PXA8YK12A0Q
   Liberty Surplus Insurance Corporation
     Policy #LIUESP10207251
   Chubb Custom Insurance Company (Starr Specialty)
     Policy #4473256500
   Starr Surplus Lines Insurance Company (Starr Specialty)
     Policy #SLSTPTY10551012
   General Security Indemnity Company of AZ (Starr Specialty)
     Policy #T0234451200430
   London - Various Syndicates
     Policy #B080112018U12
   Starr Surplus Lines Insurance Company (Starr Specialty)
     Policy #SLSTPTY10551012
   General Security Indemnity Company of AZ (Starr Specialty)
     Policy #T0234451200430


 $300,000,000 Excess of $100,000,000
   London – Various Syndicates
     Policy #B080112018U12
   Landmark American Insurance Company
     Policy #LHT418629
   Axis Surplus Insurance Company
     Policy #MSG70446412
   Arch Specialty Insurance Company
     Policy #PRP003574403
   Maiden Specialty Insurance Company
     Policy #S1EPY0239503S
   Liberty Surplus Insurance Corporation
     Policy #LIUESP10207251
   Liberty Mutual
     Policy #MQ2L91428599012
   Aspen Specialty Insurance Company
     Policy #PXA932E12A0R
   Westport Insurance Corporation (SwissRe)
     Policy #803137526700
   Chubb Custom Insurance Company (Starr Specialty)
     Policy #4473256500

Limits & Sublimits:
 ​ 
$400,000,000  Per occurrence, except:
$400,000,000  Earthquake per occurrence and annual aggregate
$400,000,000  Flood per occurrence and annual aggregate, except;
  $10,000,000  Flood zones A & V, per occurrence & annual aggregate
  $10,000,000  Business Interruption
    $5,000,000  Contingent Business Interruption
  $25,000,000  Miscellaneous unnamed locations
  $75,000,000  Newly acquired property (120 days/acquisition date)
  $25,000,000  Course of construction (120 days from start date)
  $25,000,000/25%  Debris removal and cost of clean-up
    $5,000,000  Demolition and increased cost of construction
    $5,000,000  Extra Expense
And other sublimits as outlined in the policy
 
Deductibles:
$1,500,000 Per occurrence, except:
$4,000,000 Flood per occurrence
$4,000,000 Earthquake per occurrence
If two or more deductibles apply to a single occurrence, the total to be deducted shall not exceed the largest deductible applicable.
Policy Territory:
The United States of America within the fifty (50) states, District of Columbia and Canada.
Effective Date: October 15, 2012-2013
   
 
 
Type of Coverage: Excess Property - Terrorism  
Named Insured:   State of Oregon
Description of Coverage:  All real and personal property, business interruption and other time elements coverages as defined in the policy.  
Primary Carrier:
Policy Number:
Limits:
Excess Carrier:
Policy Number:
Limits:
Lloyd’s Underwriters
B080113416U11
$200,000,000 each occurrence and in the aggregate
Lancashire Insurance Company (UK) Ltd.
B080113417U11
$200,000,000 excess of $200,000,000 each occurrence and in the aggregate 
Locations: Per the statement of values on file and agreed by underwriters.
Total Insured Values: All premiums are based on the statement of values dated 10/13/2011 with total insurable value of $11,832,584,349.
Policy Territory: State of Oregon, the United States of America, as seen and agreed by underwriters.
Exclusions:
Nuclear detonation, reaction, radiation or contamination
War
Threat or hoax
And others as outlined in the policy
​Deductible: ​$1,500,000 each occurrence – physical damage and business interruption combined
​Effective Date: ​October 15, 2011-2012
 
 
Special Event Liability
Special Event Liability
 
 Type of 
 Coverage:
 Special Event Liability Summary
 Named 
 Insured:  
 State of Oregon
 Description of 
 Coverage: 
 General Liability insurance to protect state agencies against our
 guests or invitees while attending state sponsored events. Coverage 
 is for scheduled events only.
 Carrier:
 Policy:
 Philadelphia Indemnity Insurance Company
 #PHPK924902
 Deductible:
 Premium:
 None
 $2,364
 Limits – General 
 Liability:
 $3,000,000
General Aggregate
 $3,000,000
Products/Completed Operations Aggregate
 $1,000,000
Personal Injury & Advertising Injury
 $1,000,000
Each Occurrence
 $100,000
Damages to Premises Rented to You – Any One Premises
 Excluded
Medical Expense – Any One Person
 Endorsements:
 Coverage for Scheduled Events ONLY
 Products/Compl Ops Redefined – Food & Beverage Distribution
 Excess Provision – Vendors
 Additional Insured – Owner/Lessor Premises, Leased Equipment,  
 Sponsor, Co-Promoter
Exclusions(include, but not limited to the following):
 Asbestos
 Recreational Vehicles (including Hot Air Balloons & Boats)
 Fungi or Bacterial
 Certified Acts of Terrorism
 Violation of Statutes governing sending information
 Liability Arising out of Lead
 Silica or Related Dust
 Medical Payments
 Employment Related Practices
 Sports or Athletic Activity Participants
 Fireworks
 Miscellaneous Activities & Devices (Aerial, Amusement, 
 Bungee, Trampoline, Grass Skiing, Animals, Propelled Objects, 
 Rodeo, Concert) Performers
 Attendance Limitation Exclusion Endorsement
 Collapse of Temporary Structure
 Effective Date:
 October 1, 2012-2013
 
Special Event Excess Liability
 
 Type of Coverage:
 Special Event Excess Liability Summary
 Named Insured:  
 State of Oregon
 Description of 
 Coverage: 
 General Liability insurance to protect state agencies against our
 guests or invitees while attending state sponsored events. Coverage 
 is for scheduled events only.
 Carrier:
 Policy:
 Philadelphia Indemnity Insurance Company
 #PHUB360728
 Premium:
 $1,680
 Limits:
 
 
 
 
 Schedule of 
 Underlying Policies:
 $2,000,000
Aggregate Limit
 $2,000,000
Each Occurrence
 Yes
Duty to Defend
 Yes
Defense Costs outside Limit
 Yes
Pay on Behalf
 
 
 
Policy #924902 Special Event General Liability Policy
 $3,000,000
General Aggregate Limit
 $3,000,000
Products/Completed Operations Aggregate Limit
 $1,000,000
Each Occurrence Limit
 $1,000,000
Personal & Advertising Injury Limit

 Endorsements: 
 Following Form 
 subject to excess 
 liability exclusions
 Yes
 Exclusions(include, 
 but not limited to the 
 following):
 Nuclear Energy Liability
 ERISA
 Pollution Exclusion Exception for Hostile Fire
 Employment Related Practices
 Fungi, Mold or Spores
 Care, Custody or Control – Real or Personal Property
 Certified Acts of Terrorism
 War Liability
 Silica or Related Dust
 Uninsured/Underinsured Motorists or No Fault
 Directors and Officers Liability
 Liquor Liability
 Employers Liability
 Abuse or Molestation
 Injuries to Athletic Participants
 Any and all Medical Payments
 Effective Date:
 October 1, 2012-2013
 
 
 
 
Foreign Package

 

Type of Coverage:
Foreign Package
Named Insured:
State of Oregon acting by or through each department, agency, board, and commission and each of their officers and employees.
Description of Coverage:
Foreign General Liability, Foreign Automobile Liability, Employers Liability and Accidental Death and Dismemberment.
Carrier:
Policy Number:
Premium:
ACE American Insurance Co.
PHFD37923758
$2,510 Annual Premium
Coverage Summary:
Foreign General Liability
Limits
     $1,000,000 Each Occurrence
     $2,000,000 General Aggregate
Employee Benefits Liability
     $1,000,000 Each Claim (Subject to $1,000 Deductible)
     $1,000,000 General Aggregate
Endorsements
    Exclusion-War or Terrorism
    Pollution Exclusion-Named Peril Exception
    Exclusion-Products-Completed Operations-Hazard
Foreign Automobile
Limits
     $1,000,000 Combined Single Limit-Owned, Hired and Non-Owned
Hired Auto Physical Damage
     $50,000 Any One Accident
     $50,000 Any One Policy Period
Medical Payments
     $50,000 Each Accident
Employers Liability
Limits
     International Voluntary Workers’ Compensation
     North Americans – State of Hire
     Third Country Nationals – Country of Origin
     Local Nationals – Country of Origin
     Contingent Employers Liability
     $1,000,000 Bodily Injury by Accident-Each Accident
     $1,000,000 Bodily Injury by Disease-Each Employee(including Endemic)
     $1,000,000 Bodily Injury by Disease-Policy Limit (including Endemic)
     Executive Assistance Service (Including Repatriation)
     $1,000,000 Policy Limit for Medical Assistance Services
Accidental Death & Dismemberment
Limits
     $50,000 Employee AD&D Coverage (Per Covered Person)
     $1,500,000 Aggregate Limit
Territory:
Worldwide, excluding:
USA (including territories and possessions), Canada and Puerto Rico and except as otherwise limited or extended by this insurance.
 
Premium Basis:
Number of Trips: 27
Effective Date:
May 1, 2012-2013