PROPERTY LIABILITY PROGRAM July 1 2019 PROPERTY LIABILITY

PROPERTY & LIABILITY PROGRAM July 1, 2019

PROPERTY & LIABILITY INSURANCE MARKET CHALLENGES Sexual Abuse Molestation (SAM) Concussions – Traumatic Brain Injury (TBI) Special Education claims California Wildfires Cyber Liability School Violence Employment Practices Liability Automobile Accidents Insurers increasing their rates and reducing limits of coverage due to these catastrophic exposures and resulting claims.

SCHOOL LIABILITY CLAIMS $500 MM Michigan State University – USA Gymnastics $215 MM Sexual Assault – USC gynecologist $88 MM Sexual Abuse – 2 teachers, 30 children - LAUSD $36. 1 MM – San Bernardino USD 11 year old hit by car while crossing street mid-block to board her bus. $10. 5 MM – Traumatic Brain Injury (TBI) – Kern County USD $3. 85 MM autistic student assaulted by bus driver Longmont, Co. $3. 58 MM Sexual Abuse – 4 students abused by elementary teacher - Florida $2 MM – child repeatedly abused by teacher – Santa Clara COE $900, 000 disabled student restrained by teachers aide – Clark Co. Nv. $700, 000 Bullying in Jr. High lunchroom – failure to supervise - NYC * United Educators Large Loss Reports

WILDFIRE CLAIMS Property Rates in California rural areas have increased up to 300% with less limits and high deductibles $5, 000 for wildfires. Ø 2018 – Camp Fire - $12 B * Ø 2018 – Carr Fire - $1. 3 B Ø 2018 - Woolsey Fire - $4. 5 B Ø 2017 – Tubbs Fire - $8. 9 B * Ø 2017 – Atlas Fire - $3. 1 B * Ø 2017 – Thomas Fire - $2. 3 B * Members of BASIC JPA incurred losses to schools.

CSAC-EIA JPA • • JPA Created in 1979 One of the largest pools in the nation Member driven organization Membership ▫ 1, 900 public entities consisting of: � 95% of California counties � 68% of California cities �Educational organizations, special districts, housing authorities, fire districts and other JPA’s.

CSAC-EIA JPA • Financial Strength • $892 M in premiums • $54 B in payroll • $456, 000 ADA • $69 B Total Insured Values (TIV) • JPA Net Position - $122, 570, 594 • Liability Program Net Position - $8, 820, 856* • Property Program Net Position - $15, 146, 422 • * Transferred claims from prior year to insurers

Liability Insurance Program • $45, 000 per occurrence limit (currently $20, 00 per occurrence) • CRSIG $250, 000 Self Insured Retention (SIR) • Members individual deductibles ($2, 000 - $25, 000) • CRSIG Memorandum of Coverage (MOC) rewritten – will be located in Members Login section of CRSIG website.

Property Insurance Program • $300, 000 All Risk Coverage ▫ ▫ ▫ Real Property Personal Property Business Interruption, Rental Income Flood Earthquake Sprinkler Leakage Ordinance

Property Insurance Program • Sublimits: ▫ $100, 000 limit Course of Construction ▫ $ 50, 000 Extra Expense ▫ $ 50, 000 Errors & Omissions • $100, 000 Boiler & Machinery Limit • Auto Physical Damage – replacement cost coverage for all vehicles.

Crime Coverage • $1, 000 per occurrence • Coverage: ▫ ▫ ▫ ▫ Employee Theft Forgery or Alteration Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery & Safe Burglary of Other Property Outside the Property – Money, Securities and Other Property Computer Fraud Funds Transfer Fraud Money Orders & Counterfeit Money

Cyber Coverage $5, 000 Per Event / $35, 000 CRSIG Aggregate • Breach Response • First Party Loss �Business Interruption Loss Resulting from a Security Breach �Business Interruption Loss Resulting from a System Failure �Dependent Business Interruption Loss Resulting from a Security Breach �Dependent Business Interruption Loss Resulting from a System Failure �Cyber Extortion Loss �Data Recovery Costs �Computer Hardware Replacement Costs arising out of a Security Breach

Cyber Coverage • Liability � � Data & Network Liability Regulatory Defense & Penalties Payment Card Liabilities & Costs Media Liability (Electronic Media Only) � e. Crime • • • Fraudulent Instruction Funds Transfer Fraud Telephone Fraud � Criminal Reward

New Procedures Ø Certificates of Coverage / Insurance Ø Reporting of Property & Liability Claims Ø Risk Management Tools Ø Ø STOPit Solutions Nasdtec Raptor Visitor Management System Deadly Weapons Response Program

Certificates of Coverage Send all requests for Certificates of Coverage (COC) to CRSIG. If Additional Insured endorsement is requested, attach the contract or agreement requesting the AI endorsement. Complete requested form – located on CRSIG website located at the bottom of the menu on the left side of the page. Send request to Valerie Caratachea – Valerie@crsig. com 19/20 COC requests are in process.

Claim Reporting All claims, including those within your deductibles, must be reported to Erik Knak, eknak@knakco. com • To report a claim or incident: ▫ Origami – Members dashboard ▫ Choose correct incident form to be completed ▫ Upload any pictures, diagrams, etc.

RISK MANAGEMENT TOOLS MANDATORY FOR ALL MEMBERS IN THE PROPERTY AND LIABILITY PROGRAM.

Stop. It Solutions - Reporting App • The STOPit App provides simple, fast, and powerful anonymous reporting through both an app and web interface. Reports can include pictures, videos, and specific report details requested by your organization. • The built-in STOPit Messenger allows for real-time, 2 way dialogue with administrators instantly to follow up on reports. • STOPit reporting provides individuals an efficient way to report incidents, access helpful resources, and receive important announcement or notifications from their organization.

Stop. It Solutions - Reporting App Students report anonymously via mobile app, web, or phone hotline service. 100% anonymous, 100% of the time. • • • What Students Report Bullying/Cyberbullying Inappropriate student/teacher relationships Violence/Threats Hazing Weapons Possession Drugs/Alcohol Substance Abuse Intolerance/Discrimination STOPit gives our students a private place to report things that are going on with them or things they see in our schools. We look at this program as a reporting tool, not just anti-bullying.

Stop. It Solutions - Reporting App STOPit IMS – Incident Monitoring Service • STOPit IMS is a 24/7/365 monitoring service that reviews and filters incoming incident reports for your team. Staffed with a 3 shift operation with operators fluent in multiple languages, STOPit IMS is your safety and security backup team. • Operators review inbound messages and filter out unactionable reports, escalate emergency reports, or assign incidents to your team as needed to improve your STOPit incident management process.

Stop. It Solutions - Reporting App Reporting Hotline • The STOPit Reporting Hotline is a 24/7/365 customizable call-in service staffed by trained operators fluent in multiple languages. Our hotline is designed for users who may be more comfortable reporting issues through the phone. • Operators take calls, and in the event of an urgent issue, will contact emergency contacts and/or emergency services for you. Call reports are automatically logged in your STOPit Account and instantly sent to your administrators.

Stop. It Solutions - Reporting App STOPit Premium Resources – SEL & RML Content for Administrators • STOPit’s Premium Resources offer Social and Emotional Learning and Risk Mitigation content directly from within STOPit Admin. Both resources contain curated content to assist administrators with diagnosing and managing issues. • Resource materials are drawn from expert-developed literature and incorporate nationally recognized best practices. Articles can be shared with students directly through the STOPit app and include multimedia elements for maximum engagement and retention. • Over 1, 000 articles addressing dozens of issues

NASDTEC National Association of State Directors of Teacher Education and Certification The NASDTEC Educator Identification Clearinghouse is the national collection point for professional educator discipline actions taken by the fifty states, the District of Columbia, U. S. Department of Defense Educational Opportunity schools, and the U. S. Territories. NASDTEC, through the Clearinghouse maintains a database of all disciplinary actions reported by NASDTEC members and disseminates this information to all participating NASDTEC jurisdictions. The goal of the Clearinghouse is to provide each NASDTEC member state/jurisdiction with a notification of an action taken against the certificate/license of an educator by other member states/jurisdictions and in doing so, to protect the interests of children served by the professional education community within the United States and beyond.

RAPTOR Visitor Management System CRSIG Piloting the program for the 19/20 year. INSTANT SEX OFFENDER SCREENING Raptor has the most reliable and up-to-date U. S. sex offender database check available. Every visitor is instantly screened against registered sex offender databases in all 50 states. CUSTOM ALERTS The Raptor Visitor Management system checks visitors against custom school or district databases, which can contain custody alerts and/or banned visitors.

RAPTOR Visitor Management System ACCURATE VISITOR RECORDS Accurate and reliable visitor details and sign-in history are recorded and maintained for every visitor who enters your schools. DISTRICT WIDE REPORTING The Raptor Visitor Management system quickly and easily creates reports for entire districts and/or individual schools.

Deadly Weapons Response Program Coverage for an event occurring at a scheduled location on file with CRSIG where a weapon has been used or brandished. A weapon is defined as any portable or handheld device, instrument or substance which is used by the Assailant(s) in a manner to deliberately cause death or bodily injury and/or Any Road Vehicle that is occupied and used by the Assailant(s) to deliberately cause death or bodily injury.

Deadly Weapons Response Program Coverage Limits: $500, 000 each and every event subject to a $2, 500, 000 aggregate for all members of CRSIG JPA Sub limits: Ø 1 st Party Property Damage - $250, 000 per event Ø Counseling Services - $250, 000 per event Ø Funeral Expenses - $250, 000 per event Ø Business Interruption - $250, 000 per event